I’m trying to consolidate my debt and was wondering if anyone had used them before and had any advise or comments.
yeah i used “take charge america” they were from out in the mid west? they hooked me up and then i fel into some bad luck{just my kind} and lost their partnership now i have to file bankrupcy on sept 5 not good but i was happy with take C. A. i tried a local consolidation in ny but since i fell from grace once it was hard to get back on a plan and they really sucked,they were as far as i was concered a ripp off call T C AMERICA its a 1 800 # dont have it cause im not home
There is an old saying in the circles of the debt that the benefit of consumer credit counseling no more useful than a doctor for a dying person. What this means is that a nonprofit consumer service credit counseling can actually do something for a person who is covered in debt or "die in debt" where as a doctor can really help bit of a dying person. This demonstrates the effectiveness of nonprofit credit and debt counseling.
The important key concept here is "Non profit ". It makes all the difference in the world to work with a nonprofit entity and one that is trying to make a profit of their work. Particularly in the critical area of a service in very stressful circumstances, such as credit counseling. It is a difficult time in life when you reach the place to be thousands of dollars debts card companies and sees no way out of the box you've put in. That's when you are turning to credit counseling nonprofit consumer. Shell shock or're almost certainly getting closer to being in a daze. You do not know who or where to go use. You need to be where you can be confident that you are working.
profit in the credit and debt counseling gives you a very valid reason to trust them. They are nonprofit and for being non-profit of profit that can align their interests with yours. The net result is that both you and the Credit Counseling Non Profit are both on the same page. You have the same goals and objectives. You see the mission has to perform in the same light. This leads to a better understanding and allows you to negotiate more effectively with its debt holders credit card.
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So if you are at that place where the debt burden is getting to heavy to bear, then start sharing that load with a Non Profit Credit Counseling Organization. You will have turned over a new leaf and it will seem like a new day.
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Is it better to settle with your creditors or go through a credit counselor consumer near me?
I'm about 30k + of debt and they are all criminals (dismissed). Is it better to deal directly with creditors or through an agency? I have funds to pay off most, but I worry with my credit report and how new creditors can look at my credit. In the long run it is better that landed on my credit report or Credit Counseling?
DO NOT use a counselor as they do not always have your best interest at heart …. which only a job and if you make a mistake of not paying their bills (which should be yourself doing) just said 'sorry' and you're SOL. Just get all your debts credit validated by the office of creditors. Once are ready to contact creditors and negotiate a 'pay for delete "in addition to payment or a payment plan. Be sure to get this agreement in writing what is known to have amnesia. Whatever you do make good on their payments and is slowly but surely correct your credit. Any credit card just short, but not close the account as you want the history of the account to work for you.
