http://yedda.com/questions/Credit_card_debt_951980861805308/?src=rss:qb:qbsWith credit card debt mounting, is it better to ...en-ushttp://static1.yeddacdn.com/images/Logo132X46_rmt9c1d22d.jpghttp://yedda.com/questions/Credit_card_debt_951980861805308/?src=rss:qb:qbsWith credit card debt mounting, is it better to ...http://yedda.com/questions/Credit_card_debt_951980861805308/?src=rss:qb:qbi<p>with credit card debt mounting, is it better to file bankruptcy or consider debt consolidation? If Debt con is the lessor of the evils, can you recommend a reputable company. I have tried to call a few companies and I'm not sure they are on the level!!</p>joannejoanne56questionThu, 23 Jul 2009 19:06:15 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/think_depends_debt_bettter_paying_495388837733115?src=rss:qb:qbi<p>I would think it depends on how much debt you have? Sometimes it bettter to keep paying and stick it out and payit off. Also ask for a settlement?</p>ChickenfootChickenfoot57answer3.0Thu, 23 Jul 2009 22:05:27 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/think_depends_debt_bettter_paying_495388837733115?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/joanne_name_Thomas_working_field_627301418373330?src=rss:qb:qbi<p>Hello joanne,</p> <p>My name is Thomas, Ive been working in the field of debt for 10 years.</p> <p>If you would like some counsultation you can call me if you like.</p> <p>714-241-2519..........</p>wrenchitupwrenchitupmale32answer3.0Mon, 27 Jul 2009 15:55:04 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/joanne_name_Thomas_working_field_627301418373330?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/black_white_issue_youre_struggling_735828107631004?src=rss:qb:qbi<p>This is not a black and white issue. If you're struggling with debt, you should first call a credit counseling agency and see if you can realistically afford to pay back your debt under a Debt Management Program (DMP). </p> <p> </p> <p>Check out nfcc.org for a non-profit credit counselor in your area.</p> <p> </p> <p>Debt consolidation is, by far, generally, a better option than bankruptcy.</p> <p> </p> <p>Debt consolidation, short of just paying your debt back yourself,  will have the least impact on your credit scores. </p> <p> </p> <p>It's also the less stressful option, since you make one monthly payment to the agency and they pay each of your creditors. </p> <p> </p> <p>But, if you are contemplating bankruptcy, then your debt may be so high in comparison to your income that you cannot afford the payment under a DMP. </p> <p> </p> <p>If that's the case, your next move is to meet with a bankruptcy attorney to find out whether that's a good option for you. </p> <p> </p> <p>If it's not, or if you really want to try to pay back as much as you can afford, only then should you consider debt negotiation or debt settlement. </p>The DolansThe Dolans50answer3.0Tue, 28 Jul 2009 18:12:10 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/black_white_issue_youre_struggling_735828107631004?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/hey_joanne_nbsp_866-943-5037_let_951872431810386?src=rss:qb:qbi<p>hey joanne,</p> <p>you can call us at <span style="font-weight:bold;">866-943-5037 </span>and let our debt settlement coach guide you.</p>GodmodeGodmode34answer3.0Fri, 07 Aug 2009 21:26:50 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/hey_joanne_nbsp_866-943-5037_let_951872431810386?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/want_check_creditors_directly_273103789012950?src=rss:qb:qbi<p>You may want to check with your creditors directly for their hardship program.  Most creditors offer some type of assistance for their clients and many find that this is a matter they can attend to themselves without a third party. </p>Chris SnowChris Snow41answer3.0Mon, 10 Aug 2009 15:19:33 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/want_check_creditors_directly_273103789012950?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/Bankruptcy_considered_resort_debt_518013683257262?src=rss:qb:qbi<p>Bankruptcy should be considered as a last resort. If any of debt methods were exhausted, this would only be the time that you should resort in filing bankruptcy.</p> <p>I know a certain company that is reliable enough and has a good reputation in handling debt problems. One of the companies that i would suggest is Total Debt Services -- their services involve debt consolidation and debt settlement.. they would give you many options and you can easily choose what method would fit you best. if you're interested with Total Debt Servies, you can visit their site at http://www.totaldebtservices.com/</p>Nicholas KingNicholas King24answer4.0Wed, 30 Sep 2009 07:43:35 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/Bankruptcy_considered_resort_debt_518013683257262?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/agree_Nicholas_King_Bankruptcy_273283778519751?src=rss:qb:qbi<p>I agree with Nicholas King. <em><strong>Bankruptcy</strong> </em> should only be considered as a last resort.</p> <p>One company I can recommend to you is <em><strong>TDS</strong> </em> . They specialized in debt settlement. Visit their site at <a href="http://www.totaldebtservices.com">http://www.totaldebtservices.com</a> for more info..... ;)</p>Jun PyoJun Pyo26answer3.0Thu, 08 Oct 2009 03:46:50 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/agree_Nicholas_King_Bankruptcy_273283778519751?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/lessen_credit_card_debts_try_350713351564948?src=rss:qb:qbi<p>To lessen your credit card debts, try borrowing a debt consolidation loan. Always go to a reputable lender and ask your colleagues and friends to lend you a hand; you can also search on net for online debt consolidation loan providing websites.</p>Thomson JosephThomson Josephmale29answer3.0Wed, 11 Nov 2009 11:09:34 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/lessen_credit_card_debts_try_350713351564948?src=rss:qb:qbihttp://yedda.com/questions/Credit_card_debt_951980861805308/Erase_Debt_Legally_Learn_Secret_504133173077492?src=rss:qb:qbi<p>Erase Debt Legally<br/> Learn the Secret of<br/> how to do this today<br/> <a href="http://www.secretdebteraser.com/index/ye">www.secretdebteraser.com</a></p>ReflexgreenReflexgreen33answer3.0Tue, 09 Feb 2010 23:04:40 GMThttp://yedda.com/questions/Credit_card_debt_951980861805308/Erase_Debt_Legally_Learn_Secret_504133173077492?src=rss:qb:qbi