What's a good debt management place?

Answer 1

When you start to look at the different companies to handle your situation please do your research. Working in this industry has taught me so many things and I have wised up to the fact nothing is as appears. Don't ever trust the BBB, I worked for a company a number of years ago , in perfect standing with the BBB but under so many lawsuits and yet none were reflect on the BBB. Check your company out on ripoffreport.com Its a great site and you will get a non bias perspective.
Fully Know your options
When I go over the different programs with my clients I make sure that they understand the laws in their state( laws concerning debt vary by state) and I also make sure they understand the worse case scenario.
Don't ever believe that their are NON for profit agency's.
Big fib. Their are not and real non for profit agency's. Consumer Counseling services is funded by your creditors know that going it.
4. Understand the programs. I am not bashing ccs they have helped a lot of people. Each program negations or ccs is suited for a particular clients. There are pros and cons and your situation makes you a better candidate for one or the other. Their are a lot of unscrupulous companies. Here are some guide lines to follow when choosing a negations company
1.The chosen company should not ever touch your money. They need to use a 3rd party and keep the payment bank structure for transfer, always keeping your money no matter what FDIC.
2. Make sure their not on ripoffreport.com or currency being sued
3. They should never charge over 15%
4. everything should be based on 44% and thing less and you may end up having to pay more money in the end.
5 A reputable company will not guarantee the out come. Experience tells us one thing but the FTC does not allow our companies to make promises.
6. Read your cancellation policy
7. Get everything in writing.
8. Make sure they are accredited and licensed.
Last of all even thought their are some good companies in California and Florida these states are know for the fly by night companies because regulation is so lose there
Its great your getting your debt life on track. Just do your home work be committed and know anything you do short of pay your creditors 150% will affect your credit score one way or the other. Credit is not permanent and the money you save could very well be worth it.
Kourtnie Donihoo
Debt Analyst
Enhanced Debt Assistance

Answer 2

it truly is a marginally long debt administration plan, and you have yet another 2-a million/2 years to pass. the subject concerns underlying debt mgmt won't drop off your credit comments for years yet. do not even think of approximately paying for a house till you have achieved the debt mgmt plan, and function a minimum of 20% down, plus remaining expenditures, plus 3-6 months reserves waiting funds. additionally a minimum of three years song checklist on the interest, credit scores of approximately seven hundred or greater efficient, and so on. and by no ability purchase sources with an unrelated celebration besides! in case you & your gf marry, and your debts are all paid, and your credit as much as snuff, then you definately can initiate off questioning approximately paying for a house. because of the fact the RE marketplace isn't predicted to backside till approximately 2013, you have 3 years to get into financial shape, get married and nevertheless be able to stay on the housing bust.

Answer 3

Freedom Point.

Answer 4

http://www.thesecret.tv/

It helps with more than just debt. I love it!