Comments for debt management programs http://www.forrentorsaleinbelgrade.com Tue, 09 Mar 2010 14:20:59 -0600 http://wordpress.org/?v=2.8.4 hourly 1 Comment on How do get my credit card debt to zero? by Gem http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero/comment-page-1#comment-1374 Gem Tue, 09 Mar 2010 14:20:59 +0000 http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero#comment-1374 Here is an article which would help you: How to Manage Your Credit Card Debt? http://www.askaquery.com/Answers/qn1579.html<br><b>References : </b><br> Here is an article which would help you:

How to Manage Your Credit Card Debt?
http://www.askaquery.com/Answers/qn1579.html
References :

]]> Comment on How do get my credit card debt to zero? by James H http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero/comment-page-1#comment-1373 James H Tue, 09 Mar 2010 13:38:59 +0000 http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero#comment-1373 There is some good info here.<br><b>References : </b><br>http://www.repair-your-credit.jims-info.com/ There is some good info here.
References :
http://www.repair-your-credit.jims-info.com/

]]> Comment on How do get my credit card debt to zero? by echo http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero/comment-page-1#comment-1372 echo Tue, 09 Mar 2010 13:17:59 +0000 http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero#comment-1372 You should check the statute of limitations for your state. And, if you are living in a different state than the one you lived in when you incurred the debt, you should check that state also. If you leave the country while owing a debt, in some states, the time limit for legally collecting the debt will continue to run. In other states, the time limit will stop until you return to the states (basically extending the time limit on legally collecting the debt). I would just suggest that you go to the site that I've listed and do some reading. Also, there are plenty of people on that site that can help you understand the details about your credit report. And help guide you in the steps to cleaning up your credit. It is a "free" do it yourself credit repair site with a very big data base of information and with many people that have been or are in similar situations.<br><b>References : </b><br>http://creditboards.com You should check the statute of limitations for your state. And, if you are living in a different state than the one you lived in when you incurred the debt, you should check that state also.

If you leave the country while owing a debt, in some states, the time limit for legally collecting the debt will continue to run. In other states, the time limit will stop until you return to the states (basically extending the time limit on legally collecting the debt).

I would just suggest that you go to the site that I’ve listed and do some reading.

Also, there are plenty of people on that site that can help you understand the details about your credit report. And help guide you in the steps to cleaning up your credit.

It is a "free" do it yourself credit repair site with a very big data base of information and with many people that have been or are in similar situations.
References :
http://creditboards.com

]]> Comment on How do get my credit card debt to zero? by mackiforyouwedo http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero/comment-page-1#comment-1371 mackiforyouwedo Tue, 09 Mar 2010 12:40:59 +0000 http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero#comment-1371 cut up the cards you da.<br><b>References : </b><br> cut up the cards you da.
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]]> Comment on If I am in a debt management program, can I pay more than normal on my credit cards? by jonathan a http://www.forrentorsaleinbelgrade.com/debt-management-counseling/if-i-am-in-a-debt-management-program-can-i-pay-more-than-normal-on-my-credit-cards/comment-page-1#comment-1385 jonathan a Tue, 09 Mar 2010 12:08:59 +0000 http://www.forrentorsaleinbelgrade.com/debt-management-counseling/if-i-am-in-a-debt-management-program-can-i-pay-more-than-normal-on-my-credit-cards#comment-1385 i work for a debt management company and i always advise my clients to pay more than the payment that was agreed on, it will just cut your term down, the way it works with are company is if you have more to pay on the card, all u do is call us and tell us to draft more out of your account<br><b>References : </b><br> i work for a debt management company and i always advise my clients to pay more than the payment that was agreed on, it will just cut your term down, the way it works with are company is if you have more to pay on the card, all u do is call us and tell us to draft more out of your account
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]]> Comment on How do get my credit card debt to zero? by JC http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero/comment-page-1#comment-1370 JC Tue, 09 Mar 2010 12:01:59 +0000 http://www.forrentorsaleinbelgrade.com/credit-card-debt/how-do-get-my-credit-card-debt-to-zero#comment-1370 This may sound strange, but a cheap way to get started is to simply go apply for a credit card. You will most likely get turned down. Then, when you get your refusal letter they will list the credit bureau's they referenced (usually 3 of them), and you will have 30 days to inquire about the decision to refuse you credit. You need to request a free credit report from them when you do this. In the process, they should send you information regarding your credit history, and from that you can begin again to work on all your past bills. Don't be in no hurry, it's going to take some time.<br><b>References : </b><br> This may sound strange, but a cheap way to get started is to simply go apply for a credit card. You will most likely get turned down.

Then, when you get your refusal letter they will list the credit bureau’s they referenced (usually 3 of them), and you will have 30 days to inquire about the decision to refuse you credit. You need to request a free credit report from them when you do this.

In the process, they should send you information regarding your credit history, and from that you can begin again to work on all your past bills.

Don’t be in no hurry, it’s going to take some time.
References :

]]> Comment on Can you refer me to a good debt counseling company? by DONALD J http://www.forrentorsaleinbelgrade.com/debt-counseling/can-you-refer-me-to-a-good-debt-counseling-company-3/comment-page-1#comment-1378 DONALD J Tue, 09 Mar 2010 11:30:59 +0000 http://www.forrentorsaleinbelgrade.com/debt-counseling/can-you-refer-me-to-a-good-debt-counseling-company-3#comment-1378 The answer could vary by person.It is always a good consolidate your outstanding debts.Here http://www.DebtFreetips.info/debt-free.htm is a good one i recommend.<br><b>References : </b><br> The answer could vary by person.It is always a good consolidate your outstanding debts.Here

http://www.DebtFreetips.info/debt-free.htm

is a good one i recommend.
References :

]]> Comment on If I am in a debt management program, can I pay more than normal on my credit cards? by lisa s http://www.forrentorsaleinbelgrade.com/debt-management-counseling/if-i-am-in-a-debt-management-program-can-i-pay-more-than-normal-on-my-credit-cards/comment-page-1#comment-1384 lisa s Tue, 09 Mar 2010 11:27:59 +0000 http://www.forrentorsaleinbelgrade.com/debt-management-counseling/if-i-am-in-a-debt-management-program-can-i-pay-more-than-normal-on-my-credit-cards#comment-1384 CONSIDER THE SOURCE of this information..... If you pay BOA directly you are putting yoru credit counselor out of a job! Please send the money directly to them....Of course this will save you on interest. In fact each time you get an extra 50 bucks, do the same...this will save you an untold 100's of bucks...an agreement is an agreement...I would think that they would abide by it but even if they dont, you are paying them off more quickly Pull your credit report NOW i betcha that you will be shocked to find your 'counselor' has given you alot of bad information.... I believe that debt management screws up your credit as much as filing bankruptcy<br><b>References : </b><br> CONSIDER THE SOURCE of this information…..
If you pay BOA directly you are putting yoru credit counselor out of a job!

Please send the money directly to them….Of course this will save you on interest.
In fact each time you get an extra 50 bucks, do the same…this will save you an untold 100’s of bucks…an agreement is an agreement…I would think that they would abide by it but even if they dont, you are paying them off more quickly
Pull your credit report NOW
i betcha that you will be shocked to find your ‘counselor’ has given you alot of bad information….
I believe that debt management screws up your credit as much as filing bankruptcy
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]]> Comment on Are debt management companies bad? by holaandgoodbye http://www.forrentorsaleinbelgrade.com/debt-management-companies/are-debt-management-companies-bad/comment-page-1#comment-1382 holaandgoodbye Tue, 09 Mar 2010 11:25:59 +0000 http://www.forrentorsaleinbelgrade.com/debt-management-companies/are-debt-management-companies-bad#comment-1382 There are several ways to do this. There are several services that work on your behalf to negotiate the debt down and put you on plan to pay the remaining debt within (for example) 12 months, etc. but this option may only be for those with extreme cases. There will be a short term negative impact on your credit record but will it will improve "if" you successfully complete their program and pay the remaining debt down. www.bills.com is a reputable company that provides this service but do your research and make sure they have good standing with the Better Business Bureau and other consumer organizations. In regards to your question of a place to breakdown monthly income expenses. Start by doing your own math: 1) how much do you make a month 2) list your monthly reoccuring expenses (e.g., rent/home, car, insurance, utilities, est. groceries, list an allowance for misc.) 3) do the simple math of of deducting all items in step #2 from step #1 this gives you an approximate of left over income but usually somewhere we all overlook some expenses 4) list your credit card debt(s) and estimated monthly "minimum payments" (note: never pay only the minimums or you will never get out of debt). 5) Compare the margin of home much income you have remaining from step #3 and that with the credit card debt in step #4. This will give you a general direction on how much you are able to pay. The debt consolidation companies will walk you through this. hope this helps.<br><b>References : </b><br> There are several ways to do this. There are several services that work on your behalf to negotiate the debt down and put you on plan to pay the remaining debt within (for example) 12 months, etc. but this option may only be for those with extreme cases. There will be a short term negative impact on your credit record but will it will improve "if" you successfully complete their program and pay the remaining debt down. http://www.bills.com is a reputable company that provides this service but do your research and make sure they have good standing with the Better Business Bureau and other consumer organizations.

In regards to your question of a place to breakdown monthly income expenses. Start by doing your own math: 1) how much do you make a month 2) list your monthly reoccuring expenses (e.g., rent/home, car, insurance, utilities, est. groceries, list an allowance for misc.) 3) do the simple math of of deducting all items in step #2 from step #1 this gives you an approximate of left over income but usually somewhere we all overlook some expenses 4) list your credit card debt(s) and estimated monthly "minimum payments" (note: never pay only the minimums or you will never get out of debt). 5) Compare the margin of home much income you have remaining from step #3 and that with the credit card debt in step #4. This will give you a general direction on how much you are able to pay. The debt consolidation companies will walk you through this.

hope this helps.
References :

]]> Comment on Can you refer me to a good debt counseling company? by Hector http://www.forrentorsaleinbelgrade.com/debt-counseling/can-you-refer-me-to-a-good-debt-counseling-company-3/comment-page-1#comment-1377 Hector Tue, 09 Mar 2010 11:20:59 +0000 http://www.forrentorsaleinbelgrade.com/debt-counseling/can-you-refer-me-to-a-good-debt-counseling-company-3#comment-1377 Usually those companies offer debt settlement and credit counseling as part of their services, check the resource I have listed.<br><b>References : </b><br>http://www.bestdebtsettlementservices.com Usually those companies offer debt settlement and credit counseling as part of their services, check the resource I have listed.
References :
http://www.bestdebtsettlementservices.com

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