At www.1stdebtconsolidation4u.com you can find some help. If you need credit repair, they offer help. Get free debt consolidation advice, credit counseling, and manage your debt. They recommend the following sites for free debt consolidation information: Debt Guru for debt relief without a loan or bankruptcy. They are at debtGuru.com. Also take a look at adns group at www.adnsgroup.com. They are experienced and work for you, not the creditors. So if you have debt totaling $15,000 or more, check them out. CreditAxis provides guaranteed bad credit loans up to $25,000 for consolidating debt, and they provide expert advice on repairing your credit. Find them at www.creditaxis.com.
Go to www.freshstartamerica.com to avoid having to file for bankruptcy, chapter 7 or chapter 13. Fresh Start America offers long-term debt solutions. Reduce your credit card debt significantly. There’s a debt relief calculator here so that you can estimate how much you might save. You type in your amount of debt and monthly payment. I typed in the example of a debt of $10,000 on six accounts with a monthly payment of $500. A screen popped up comparing this with consolidation and the Fresh Start America way. Here’s what I got: Time to payoff the current way is two years and three months. With consolidation it would be two years and with Fresh Start America, fifteen months.
Total payout with current minimum payments is $13,070.12. With consolidation it is $11,546.30. With Fresh Start America it is $7,146. This seems like a good idea. There are tips here for debt reduction and information of the true cost of credit card debt. So you can find credit repair here and avoid bankruptcy with debt negotiation.
At www.consumercredit.com find credit-counseling professionals for credit repair help. They are a “leading provider of education and debt management.” Their mission is “to financially empower our clients to regain control of the quality of their lives through education and financial management.” They offer a confidential program, which is individually designed to provide unique solutions and to help you discover credit repair. ACCC can help you to: “reduce or eliminate finance charges, eliminate late fees and/or over-limit charges, lower monthly payment, consolidate multiple payments into one simple monthly payment, re-age past due accounts with creditors, fast pay-off time, and eliminate harassing calls at home or at work.” Call them at 1-800-769-3571.
Go to www.moneymanagement.org to find Money Management International. They can help you manage your debt. Call them at 1-866-889-9347. Credit repair is to be found here, too. They have calculators, and a free credit report. Find out about consolidation loans, credit counseling, budgeting advice, and credit scoring. They are the nation’s largest, full service non-profit credit counseling organization. For no cost, they will give you a financial assessment, and an explanation of how they will consolidate your debt, and more information. Counselors are available to you seven days a week, twenty-four hours a day. You can enroll online or call them for your financial assessment. Find relief and move towards a better future with less debt.
By Laura Hogg