I am in debt by quite a considerable amount and would like to possibly consolidate my debts so that I can afford to pay them off better and also to be able to just pay one monthly payment.
I dont know much about all this and was wondering if I do this will the company actually pay off my debts so that my credit score will be getting repaired why I am paying the consolidation company monthly?
I dont want to go ahead with it if it is not going to make my credit score get any better or go back to how it should be.
Any advice or help would be appreciated.
Thanks in advance!!

I want to get a debt consolidation loan, WITHOUT using my home equity, but they are telling me my credit score is great, but by ratio is too high. Well, I want to consolidate all the CC debt I have, but it’s running me in circles. What’s the point of trying to get a consolidation loan if they won’t lend it to you because you have too much debt? Does anyone know of ANY bank or anywhere I can turn to that understands and can try and help me? Thank you for your help!

are debt consolidation companys a good idea? i am 23. i have made some big mistakes with credit cards and need to take care of this situation so i can live in peace already. i have roughly 10,000 in credit cards and i want to be able to make just one payment and get my stinking credit up already. anyone have any helpful advice if it is a good idea???

I also need info on what it truely means to get a debt con loan.

Do they really help? Does your monthly payment really drop substantially? Did it work for you?

Does anyone know who the best debt comsolidation company is? Or the best way to clear up credit card debt?

I’m trying to not file for bankruptcy. Overdraft protection is the only thing keeping me from making late or no payments at all on my bills and that’s nearly maxed out. I’m in huge cc debt, apppr 35k, and bankruptcy seems like the easiest way out and to feel like a person again. I want to try and fight my way out of this mess if I can. I would like to see if a service can help me but know there’s a lot of scams out there. Is CCCS a debt consolidation service like Debtco or are they two different things? How do I go about finding a fair and reputable service? What types of questions should I ask? I’m near Portland, OR. Anyone have a suggestion of where to find a good service or lawyer (if bnkrp is in the future)?

Also, is a charge off really that much better or different than filing for bankruptcy? What’s the difference when it comes to your credit report and how it is viewed by potential lenders?

TIA

If you have an adverse credit history, with mortgage arrears, County Court Judgements, etc, DO NOT WORRY, we may still be able to help as we have a specialist department and excellent lenders to deal sympathetically with these types of applications. All applications are handled quickly and easily with no up-front fees. …

Not credit counseling, but debt consolidation loan. Can’t find any good info on the web, so your educated opinion would be helpful. What are credit requirements, home equity requirement, debt service ratio and other factors?

If you know a good resource that would be very helpful as well!!

Thanks.

I have about $7,000 - $8,000 in unsecured debt and I’m in desperate need of help.

Can anyone recommend a Real Company that could help me out of debt?