hey im back from a long vacation. i just wanted to let you all know that because of debt consolidation i will be debt free in 4 years and only paying $192 monthly. i love you guys. if anyone wants any details about what they did and what i did just reply to this and i will be happy to fill you in. :D :D :D :D :D :D :D :D :D :D

These debt consolidationcomapnies say they can lower interest rates and eliminate late fees. How can i do this myself?

Am I understanding the information exchanged here~ that no matter if the debt has gone to a collection agency and they are the ones contacting me now, that i can still call the creditor and work out a settlement directly?

:) I just recently have been considering debt consolidation but don't know if it's for me. I can't believe how much debt i've racked up in just the past 5 or 6 years (I'm only 27). I've got a job, house (house is what did it i'm afraid, really hurt the wallet), 2 cars, etc. etc. My wife and I were just about breaking even for the past couple of years since buying the house, but she recently went back to college and the burden fell on my lap for the most part.

Two years ago I signed up with a debt settlement company. They agreed to take $200 a month from me to accumulate an account of which they could use to settle with my debtors. I have over $3,000.00 in my account and they have only settled one small account of mine. The debts keep getting referred to new collection companies and my credit score is horrible. Every company that calls me wants to settle with me and says that the Debt Settlement Company never returns their phone calls. Is it too late to sign up for debt management at this point?

I have about $40,000 in credit card debt with no assets. I always make my minimum payments, but I'm making no dent in the balances, and almost all of my income goes to pay these minimum payments. Would it be better for me to file ch. 7 and start all over again, or should I consider consolidation? Please help!

Hello everyone, I would really appreciate some advise. Here's my story. I was an international student studying in Boston in 2002.

I just joined the forum, and I wondered if anyone else had a problem quite like mine. You see, I have been in the process of getting divorced for nearly two eyars now, and i really can't afford a lawyer or anything to expedite the process, thanks to my low income and too high for comfort debt. You see, while we were married, I paid all off the essential bills (housing, utilities, food), while my ex paid the phone bill (including cell and DSL for his computer) and gas for his car.

:?: I am thinking about a debt consolidation loan. I am currently paying jusy over 1200 on 4 credit accounts One card is 25000 at 11 % another is 15000 at 6 % and second mortgage of 11000 at 8%. And a couple smaller items. I was offered a loan of 56,500 at 13.7% for 20 years (690/mo)and I could probably add 100 every month. This would reduce my monthly payments by $600, and I'm still trying to send a couple kids through (community) college. Does this look like a good option or arethere better ones?

Dear Friends, Tintin is back with more news, Joseph Ratzinger is just selected as the new Pope, he will called Benedict the XVI. Tintin