William E asked:


I’m going through a credit management company to help me lower my debt. I am about $15K in the hole with various credit cards and department store credit cards. I mailed out cease and desist letters to each of them to quit calling me, because I get calls every day at home, and even a few times at my job. Let me know your experience(s) with this.

Jaleesa B asked:


Well making monthly payments for 2 credit card i never use and now im just tired of it and cant seem to keep up anymore, how can i get rid of all these debt

Sal D asked:


I have three different debts I owe and I am trying to use the best strategy that will work. One method I was going to use was to pay off the debt with the highest interest rate which has 2 years left on it while adding smaller amounts to the other lower cost and interest debts. The other strategy was add a little more to my monthly payment for all debts high and low in order to neutralize them all, but this would take longer I think. Thanks.

Mary Beth T asked:


Ok I was in a car accident and I got behind on my credit cards (which I should have never had in the first place). I probably have close to $5,000 in debt and I am wanting to find the best way to get out of it. I also would rather pay one montly payment. Would a bank give me a loan to pay off the credit card companies? This would be easier for me to just pay one huge amount each month instead of so many individual payments? Also since I have late payment charges will this effect my status?

Any who please help me with any advice you might have…

JR asked:


They say they’ve helped thousands of people, basically what they claim to do is buyout all your debts which lowers the cost, charge you their interest free fee and you pay them off just like that. My personal debt is one $6500 charge off and one $6500 consolidation loan. The guy told me that they can get my total down to anywhere from $4500 to $10000 from $13000. Will these guys actually help me or is there another option?

mike asked:


i am having a very difficult time paying down the balances that I owe on my credit cards. I’ve tried calling them up myself and negotiating the interest rate, but they refuse to lower it. I can barely afford the minimum payments and just want to be done with this. I don’t want to file for bankruptcy, I’m just looking for other methods of helping me eliminate this debt that I carry. Any help would be greatly appreciated!

coco asked:


The company claims that they can completely eliminate your debt for a $4500 dollar fee. I couldnt find any thing negative about them on the internet but they were not even listed in the better business bureau. When I spoke to someone over the phone they seemed believable. Is it too good to be true?

Dave asked:


I know there are laws on the books to eliminate debt but I don’t know them. Does anyone out there know them? In addition, HSBC Bank is constantly calling me. Is there anyone out there who has had or is having trouble with HSBC and its collection practices?

mrsmoultrey asked:


I am currently without a car and am now using a consulting service to improve my credit score as well as eliminate my debt and I would like to know when should I buy a car? Should i wait a couple of months? Four months?

medic911@snet.net asked:


how to eliminate my debt