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help with credit card debt
 

Highest User Reviewed Service

39% of users rated this service #1
credit debt relief CreditAndDebt.com
Users selected this service because they found creditanddebt.com to be quick and easy to use. Price of the service was fair, as reported by most users. Service was said to be quicker than local brick and mortar credit services.

Second Highest User Reviewed Service

31% of users rated this service #1
non profit debt LowerMyBills.com
Users chose this bill consolidation service due to its overall effectiveness. Users declared that the price was reasonable, and service adequate. Many comments concerning LowerMyBills.com include the words "very effective" and "easy".

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Latest Consolidate Your Bills News

Manatee's Money Squeeze: Survival tips (Bradenton Herald)
Some advice for watching what you spend:
VIEWPOINT (Daily Local News)
The holiday season is a time for red and green: Evergreens and berries, wreaths and bows, holiday debt and spending cash.
Towns keep eye on signs (York Daily Record)
Municipalities have been getting complaints about illegal ads spotted on properties. Aug 3, 2007 ? Stop at any major suburban road intersection in York County on a Sunday and you're likely to be bombarded with small roadway signs advertising everything from homes to power washing.
BusinessWise briefs (The Cincinnati Enquirer)
We have all received checks in the mail with letters that say ?congratulations, you have been pre-qualified for a loan where you can consolidate your bills into one payment, etc. But are these types of loans a good idea?
BusinessWise briefs (The Cincinnati Enquirer)
Personal finance tips from local CPAs.
Wipe Out Holiday Debt (Kiplinger.com)
Don\'t be lured into using a home-equity loan or line of credit to consolidate your bills. Consider these options instead.
Managing Credit Card Debt (KAMR NBC4 Amarillo)
01/25/2007 AMARILLO -- Christmas is gone. But those Christmas credit card bills are right on time. If you did a little too much shopping and can`t make the payments, there`s help.

Previous Forum Posts/Comments about consolidate your bills

Posted on: Aug 27, 08 11:41 am by: Kathy McMullin
yahoo personal financeWhat do you all think of this?...

RALs may seem like a fast refund , but "RALs are similar to payday loans - they are very expensive short term loans with high fees that equate to astronomical interest rates," said Dianne Wilkman, President/CEO of Springboard. Despite their low "default" rate, RALs are high cost loans that are repaid by your tax refund from the Internal Revenue Service . For example, with a refund of $2,000, a RAL consumer might pay a $75 loan fee, a $40 electronic filing fee, a $100 tax preparation fee and possibly even a $42 check cashing fee.

Posted on: Aug 27, 08 01:46 am by: Jennifer Johnson
debt management programsLook at what finally happened...

David C. Jones, president of the Association of Independent Consumer Credit Counseling Agencies, said people who find they're short of money to cover taxes as the April 15 filing deadline approaches probably haven't had enough withheld by their employers. Or they haven't set money aside in anticipation of their annual tax bill.

Posted on: Aug 26, 08 06:41 am by: Jennifer Tschannen
credit and debtHeh, look at what I found...

If your debt is small, they can offer good advice, but often result in costing you 110% of your debt. 4. Debt Consolidation Loans This is a secured bank loan or mortgage used to consolidate and pay off other debts.

Posted on: Aug 25, 08 12:22 pm by: Mary Morrey
decisioningI thought that you should all take a look at this...

Frugal folks with less debt than average are "rewarded" for their restraint with a 24-point handicap, according to the company, which uses a scale of 330 to 830. The penny pinchers have an average overall credit score of 671, compared with 695 for their spendthrift peers and 677 for the nationwide average. Before you give your credit cards a workout at the Mall of America to "boost your score" , consider the underlying factor that's responsible for the increase: You have to carry more debt.

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