Question by : credit/debt consolidation?
I have about $ 15,000 in credit card debt. I have tried to get personal/consolidation loans, but have been declined numerous times. I recently contacted Careone Debt Relief Services. They suggested that I enroll in the Debt Management Program, it is different than the Debt Settlement program that many other agencies endorse. Can anyone give me some feedback in regards to Careone and the Debt Management Program? I have not yet enrolled and would like to get some other opinions before I enroll. Thank you!
Best answer:
Answer by Toni
Are you in the US?
There is an agency that is a non-profit that will help you at no cost.
National Foundation for Credit Councelling
NFCC.org
You got to their site and call their 800 number and they make an appointment at a local office.
Positive reviews call them angels from above.
Negative ones say it is embarrassing.
They can put you on a DMP program. Cost is about $ 25 a month (may be a bit more).
This is where they contact all your creditors and try to work things out.
Now… you can do all this yourself with a good book on Credit and Debt Repair.
What these companies do is no secret (at all). It is all in books.
How to negotiate, settle, pay on delete, etc.
Careful with those for profit agencies. Remember they can charge thousands upfront and allow your bills to go unpaid for months on months. They need the profits for their trips to Fiji and their BMW’s. Many people end up destroying their credit even further and end up in court being sued with their wages being garnished anyway….
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