Right now my monthly payments on all my bills total more than what I earn and bring home each month. I make ends meet with my payments usually being late, etc. I have an appointment in a couple weeks to go talk to someone at Consumer Credit Counseling Services about a debt management plan. Does anyone know if they will even be able to help me since my payments are more than my salary? Bankruptcy is not something I’m willing to consider because I work at a bank and would probably lose my job.
You can not be fired for filing Bankruptcy.
It could prove to be more of problem in getting future jobs, if those jobs are related to cash-handling and will require you to submit to a credit check as part of the application process.
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References :
The United States Bankruptcy code prohibits discrimination by an employer just because you filed bankruptcy.
As far as I know there is no limit for CCCS plans….
Stay away from any "debt consolidation" company that promises to cut your debt in half through debt settlement….This is a risky tactic of deliberately ceasing all payments to creditors and forcing your accounts into default to attempt settlements.
References :
http://www.bankruptcylawnetwork.com/2008/03/20/can-i-lose-my-job-if-i-file-for-bankruptcy/
You can not be fired for filing Bankruptcy.
It could prove to be more of problem in getting future jobs, if those jobs are related to cash-handling and will require you to submit to a credit check as part of the application process.
References :
Yes they should be able to help you, but check out other debt consolidation companies as well for differences of opinion on your situation.
Usually consolidation involves putting all your debts together into just one centralised credit on which you enter into new repayment agreement. This is often easier to deal with because instead of being pulled in different directions by a multitude of creditors and receiving endless letters of demand, you only have the single centralised debt to deal with.
For many people in debt, this is probably the best route to take in order to ensure an improvement in your credit score. It will also assist you in getting better financing in the nearest future.
Check out the website below for more information and advice.
References :
http://www.debtflag.com