loose tooth Posted March 22, 2007 Report Share Posted March 22, 2007 What do you all think about credit counseling agencies for debt consolidation? Which ones do you recommend. Link to comment Share on other sites More sharing options...
shllby1 Posted March 22, 2007 Report Share Posted March 22, 2007 What do you all think about credit counseling agencies for debt consolidation? Which ones do you recommend.Well when I originally came her that is what I was asking too. All the info I ever got was to stay away from them. I chose not to use them and I have been reading here trying to take care of things on my own. I guess each person is different. Link to comment Share on other sites More sharing options...
loose tooth Posted March 22, 2007 Author Report Share Posted March 22, 2007 I have settled some debt on my own. I am 120 days past due w/ citi and cap one. I do not want chargeoff because it seems so complicated and my credit is already ruined enough. Is it better to call them myself and work out a pmt plan w/ them? I have read on another board that it is good for some people. Link to comment Share on other sites More sharing options...
shan2themax Posted March 22, 2007 Report Share Posted March 22, 2007 I have settled some debt on my own. I am 120 days past due w/ citi and cap one. I do not want chargeoff because it seems so complicated and my credit is already ruined enough. Is it better to call them myself and work out a pmt plan w/ them? I have read on another board that it is good for some people.It would be worth a try that is for sure.... You def dont want collections on your report... depending on your score.. it can drop as much as 100 points supposedly Link to comment Share on other sites More sharing options...
loose tooth Posted March 22, 2007 Author Report Share Posted March 22, 2007 It would be worth a try that is for sure.... You def dont want collections on your report... depending on your score.. it can drop as much as 100 points supposedlyEEEKKKS!! My score has already gone down so much!!! At this point, I think it is my only way out. I need to do a search on this subject. Link to comment Share on other sites More sharing options...
shan2themax Posted March 22, 2007 Report Share Posted March 22, 2007 EEEKKKS!! My score has already gone down so much!!! At this point, I think it is my only way out. I need to do a search on this subject.That is the best thing to do... search, search and if need be ask questions! Read all the stickies... it takes alot of time but will be worth it! Link to comment Share on other sites More sharing options...
loose tooth Posted March 22, 2007 Author Report Share Posted March 22, 2007 I did a search and took me all but 2 minutes to realize cccs is not the way to go. I will work with these companies myself. Link to comment Share on other sites More sharing options...
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