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I am a person in search of a debt solution program, I am up to my neck in bills, pay day loans, etc? |
Please tell me if anyone knows of a proven program that doesn't cost to join to help someone who cannot manage money well and has dug themself into a hole so deep it doesn't look like there's a way out? Please no jokes only serious inquiries. For Christian money management advice, check out author Mary Hunt's website http://www.debtproofliving.com/.... She was once extremely in debt, so much so that she almost lost her marriage because of it. Also Crown Financial Ministries at http://www.crown.org/. A secular, twelve-step program that you might find helpful is Debtors Anonymous at http://www.debtorsanonymous.org/.... If you have cable t.v. or know some one who does, check out this secular t.v. show, "Til Debt Do Us Part," in which host Gail Vaz-Oxlade helps couples who are mismanaging their finances get back on track. http://www.slice.ca/shows/showspage.aspx... Also check with your local department of job and family services; they may have other suggestions for you regarding programs that can help. Hi, I used "Credit Solution" to settle my debt .They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here: http://301url.com/awh Get yourself on a written budget. It sounds like a small request, but it is important. You be amazed at where your money goes. Once I started a written budget I realized I was wasting hundreds of dollars ever month. Part of that budget should be a deposit into an emergency fund. Start out at $1000.00. Next list your debts smallest to largest. Pay the minimums on everything but the smallest. Pay as much as you can on the smallest. Once that is paid off then roll that money plus the next minimum over to the next smallest. Carry on until all the debt is gone. Sell stuff. I took used cds and dvds to a store that bought used stuff so I would have extra money which also went on the debt. Get to know ebay or one of those services. Consider a second job or a third. Since you're living on your current wage then every cent from the second job can go on debt. Most of those debt consoladation programs are a scam in my opinion. They lure you in with the promise of a lower interest rate. But it takes longer to pay off the debt so you end up paying more money then if you'd paid it off yourself. The only program I've heard of that comes recommended is cccs. Don't borrow debt to get out of debt. That doesn't resolve anything. It only moves the debt. http://www.daveramsey.com You can get a debt consolidation loan at Bank of America. it is easy to sign up and you will be approved in minutes. All you do is pay them and according to their terms.(depends on your budget) |
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