Question by bikerreveal: has anyone had success with credit card debt consolidation?

Best answer:

Answer by Marky
There are many credit card consolidators whom who should get in touch with. They give you loan for bad credit and with low interest. They will calculate all your credit card debt and give you loan at a interest rate lower than your current credit card money.
I hope http://loan-guides.net will help you in getting a cc consolidation loan.

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Question by Brad M: Anyone know of any LEGITAMATE personal loan web sites for debt consolidation? Not counseling, but loans?

Best answer:

Answer by Kayli
Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan allows you to condense your monthlyold loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail.

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Question by kkkkkkBb: Doea anyone know of a company that will give debt consolidation or home quity loans to people with bad credit?
My fiance and I have not great credit, but we make a decent amount money and are looking to consolidate debt so that we can get out of it! We have about $ 40k in equity in our house, and we will need about $ 30k to consolidate. We have a combined income of $ 77,000. we don’t care about the rate because anything will be better than paying 20-30% interests on about 8 different accouts. Help!

Best answer:

Answer by ElaineMT
I would check out Prosper.com or Zopa.com. They are community lenders – meaning that people pool their money together and grant loans to people (I think there is a maximum of $ 25,000 though) and pay interest based on their credit score and income. You have to pay the loan back though, it does appear on your credit bureau (so if you pay on time and pay the loan off, it appears as a good mark). And if you screw up, they will continue to hound you through collections, as they should. The difference is – and I like the idea personally – is that a real PERSON is loaning money to you (actually a whole bunch of real persons), not a faceless bank corporation. The person loaning the money is earning interest on their investment with each and every payment, so if you screw them, they won’t re-invest, and you could wind up screwing the whole idea of community lending.

Do some research on these companies, and look at finance companies as well, like Beneficial Finance. Do not, however, sign up for one of those loans that they “guarantee” you a loan if you send them up to six months payments first. (Generally an email or telephone offer that you “qualify for a loan!!!”) That’s a scam and you’ll never see your money again. Good luck.

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The Essential Credit Repair Handbook: A Quick and Handy Guide for Anyone Who Wants to Get and Stay Out of Debt

“The Essential Credit Repair Handbook gives the reader the tools to use in rebuilding their credit report, staying away from debt, budgeting their money as well as planning for their future, even after a bankruptcy or foreclosure.”
–Chris Viale, CEO, Cambridge Credit Counseling, Inc.

“Deborah brings a wealth of experience to all areas pertaining to credit. This book contains invaluable information.”
–Aaron Carr, bankruptcy/debt-resolution attorney

The majority of debt-ridde

List Price: $ 14.99

Price:

If so, do you recommend it? What should I look out for? How does it work??

I have a personal loan with my bank which is very good. They won’t help me with anything else until I pay my loan down some and I’ve had it for nine months. I’ve got a few debts that I’d like to get paid off and combine into one monthly payment. I don’t know if any other bank will help me or not. My credit is really good and the only thing wrong is I’ve got high balances but the items are in good standing. If anyone knows who I can check with about consolidating my debt and getting those high balances paid off please let me know.

It says Over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required.

Several Little-known Companies offering easy-qualifying Bad Credit Signature loans, Bad Credit Business loans, Bad Credit Student loans, Bad Credit Home Equity loans, Bad Credit Debt Consolidation loans, and Fast-Cash loans. Bad Credit and Bankruptcies welcome.

‘But it wants you to pay a fee of 35$ to recieve the list of lenders, if anyone has used this site please let me know if its legit….thanks

I went to my bank, Kinecta (a credit union) to inquire for a loan. One of the reps informally told me to try Well Fargo Financial. I need a personal loan for debt consolidation, approximately $4000. I hate to do it, but it is really my last option. I have bad credit, which I was repairing, but unexpected things came up once again.

What are the qualification requirements? Any info appreciated.

Please spare me any lectures, I am looking for anyone with experience with Wells Fargo Financial.

15k in credit card debt, 17K in personal student loan debt, 15K in government student loan debt, 15k in car loan debt.

All im trying to do is consolidate my CC debt. The rest i will deal with with later.

Anyone know of a legit company? No marks from credit solutions please!

i know you guys are on the ripoff report and i have called the better business buereau about you and know you are bad business and fradulent.
STOP…READ…. NO MORE CREDIT SOLUTIONS MARKS!!! YOU GUYS ARE FRAUDS. CANT YOU READ WHAT I POSTED ABOVE AND YOU GUYS ARE STILL POSTING ANSWERS. GEEZ!!!

I have been at my job over 5 yrs and i have app 20000-25000 in equity in my home, but my credit score is probably around 450 from where my husband was unemployed for few months now he is a sub contract tuck driver need to be able to breathe little easier scraping everything together not to be late anymore