Question by someone: what kind of debt consolidation program do i need?
so a few years ago, i just bought a car and a few other toys and never had a missed payment, than life forced me to move to a different location and than came the job crisis and it took me a while to find a job.
my car got repossesed a while back and according to my credit report i still have a 10,000 balance on it and another 8000 in other debts, a little here and there.
i do however have a good job now and want to fix my credit so i can re-start my life but i do need some kind of help. is there any kind of real companies out there that would pay off all my debt and i would make them monthly payments?
what are my options? i just tried that american debt relief and they would only do 7000 because they dont deal with certian companies.
also, has anyone had any experience in this kind of mess and did it really work?
thanks in advance.
Best answer:
Answer by CountryGirlDeputy I’d just contact the companies yourself that shows the negative repo and see what type of payments or if you can pay in full discount they can provide you and see if they can work with you. It is worth a shot if they were willing to do that to clear up your credit history.
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I was told that in the year I would have a credit consolidation that I should file a #982 form. This will do what for me? I have concerns about with the “forgivness of debt” becoming a taxiable income.
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