I need a really good and reasonably priced credit relief company to help me get out of serious debt.?
80332
STOP!\n\nBefore you go to a "Non-Profit" Credit Counseling company, you need to know the facts.\n\nFirst though, why do you want to get credit relief this way.  Are you trying to avoid Bankruptcy?\n\nSecond, Why can't you do it yourself? At least try.\nHeres the rub, if you go to those counseling companies, the creditors put on your credit report, "Handled by a credit counselor" (Or something to that effect)  If you go to try and buy a home at some point, and that shows up, it is the EXACT SAME as a Bankruptcy. \n\nWhat I would do, is call your creditors, and try and negotiate with them, if you can.  Tell them you can pay 50 cents on the dollar as long as they will do a payment plan.  It may not work, but only go to those Credit Counseling Companies if you absolutely have to.\n\nBest Wishes.
1159042
TO be real honest with you. CREDIT REPAIR company are not that good.  The money you give them to help you could be use to pay wha you owe. You would be better off doing it your self.  Please go  to daveramsy.com he has alot of information that can help you and show you how to be debt free
117557
try Consumer Credit Counseling Service of North America. It's a United Way program.
317036
Here is a method I used once to get rid of a legitimate debt that I owed. You may be ablet to adapt this and use it for yourself. \n\nI owed a $485 bill to AT&T that I refused to pay until they took down a cell phone tower that had been illegally erected right next to someone's back yard. Of course they ignored me, so I ignored them right back and things went round and round for a few years like that. finally the debt was sold to a collection agency and then to another one and finally to one in Florida. Up to this point none of them had reported it to any of the credit bureaus. Suddenly one day, there it was! A festering puss-filled sore right in the middle of my credit report! I immediately wrote a letter to the collection agency saying that the debt was not mine, that this was an old debt (by now it was over five years) that was being shopped around until they could stick it on somebody. I told them this was very damaging to my credit, that I had no other late payments, and I demanded they remove it immediately. Also, I said, at the time this debt was incurred there had been two other people living in the same county as me with exactly the same name as me, and it must have belonged to one of them. Again I demanded that they remove this thing from my credit report. About two weeks later I got a very apologetic letter from them saying how sorry they were for the mistake and yes it would be removed from my credit report immediately. It was and I never heard from anyone about this again.\n\n"Hell no," said Tom. "I'm not paying this. You can take this bill and shove it!"
1187360
As a former financial counselor, I can let you know of what to look for in a debt management company prior to enrolling. I also am enrolled in debt management, so I know what helps. Make sure you find a company with the following:\n\n1) A company who is genuinely trying to help consumers. A company who is looking for the consumer's best interests will not only counsel you, but they may take you through a budget, analyze your situation, provide free financial material, etc. In other words they don't just try to enroll you. You should never feel pressured.\n2) A company who is non-profit, certified, and has a good track record with the BBB. A company who is non-profit may ask for a donation but it is purely voluntary. All your payments should go to your creditors. Also there are regulation agencies in place to weed out the "shady" companies, so you should make sure they are certified and a responsible member of the BBB.\n3) A company that answers all your questions. You probably have lots of questions, but a counselor who is knowledgable AND certified will be able to walk you through step by step, and explain thoroughly every step of the process. \n\nIf you are interested in the company I worked for, it is http://www.incharge.org . They have a great relationship with the Defense Department as soldiers that are in financial trouble are often referred to them. If you are interested in the company I have an account with, it is http://www.careonecredit.org/ . Both of these companies are registered with the BBB and have outstanding reputations. \n\nThere are plenty out there though, so you should find the one that best suits your needs. I hope that you get to where you want to be and don't ever give up! Patience will heal your credit. There is no quick answer. Good Luck!
730984
In short, they'll hassle you forever and make your life hell until you will want to pay your debt if only  to regain some sort of peace back in your life. \nBy using services from a debt relief organization you will stop receiving phone calls asking you for money. You will pay a fixed rate amount every month which will never go up. You won't be dealing with your creditors any more. The "debt relief people"  will be paying your bills for you, and your credit card company is out.\nYou then pay the debt relief company.\nlots more here:\nhttp://credit-cards.ebookorama.com\nhttp://finance.ebookorama.com \nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com\ngood luck!
247978
depending on how your credit is if its in good shape i would go with a agency they will fight to get you the best rate if you find a good officer. they have more programs they can use
268242
any credit agency...get a credit check..
968176
You've recognized you have a problem and that is always the first step.  There are certain debt management companies who have been cited for fraud.  Be careful who you choose.  Look for any complaints filed with the BBB before paying for the services of debt management company.  Debt management services can be expensive and may not produce the results you need.\n\nTry the suggestions given at www.MoneyExposed.com.  If you are committed to reducing your debt, you don't have to spend thousands of dollars to do it.
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
1116520
Yes!  I consolidated my debt using  a company called Auriton- they have a wonderful customer service team and it was easier than you'd believe.  Less than three years later and I am 100% debt free!
58558
Check out http://www.daveramsey.com or http://www.mytotalmoneymakeover.com for help - these are two of the BEST sites on the web for dealing with credit card and other types of debt.
510092
I'm one of the investing financial advisors who you don't want to talk to yet.  But I've also done some credit work in the past, and I know who you are looking for.  Be very careful, because there are a lot of crooks out there who sell fake credit repair packages.  The best place for you to go is to a non-profit credit counseling organization.  They can help explain all the issues.  Sadly, there truly ISN'T a quick and easy repair that you can make, but there are steps you can take that will gradually improve your credit over time.  If you handle things right, once your bad times are far enough in the past, it will be like you never did anything wrong.
1131773
You are paying off bills with another bill! Did you ever try Consumer Credit Counseling? I believe it's a free service and they help you reduce your payments maybe even lower your interest rate. I would try that first before you get deeper into debt.
559890
I would search on there name on the internet too see if anyone has posted having any problems.  You can also check with your state attorney general to see if there on the up and up.\n\nThe BBB is ok but if they are members of the BBB and pay there dues they let some pretty lousy companies get away with bad practices way longer then they should.\n\nIf you are trying to repair your credit have you gotten a copy of your credit report from one of the 3 reporting agencies?  Alot of times they have programs to help you learn what effects your credit and give advice on clearing it up.
1002174
Try your county Social Services Department.  They probably will be able to refer you to agencies appropriate for your particular need,  whether it be "crisis assistance" or "credit counseling"
1165037
Most are scams.  Credit counselors, on the other hand, if reputable, can be helpful.  Check with your better business bureau or the state attorney general's office before proceeding with either option.