How do I pay off my credit cards and loans if the credit company or the the credit cousenling won't help?
437314
Get a debt consolidation loan from Countrywide. As long as you have home ownership, you're approved.
144278
Call your credit card company and dispute the charges. They will send information to the company that charged your credit card. The company only has so many days to respond to the credit card company, and unless you signed or otherwise gave agreement to company to use your credit card the bank will reverse the charges off your card.
58616
How do you get out of DEBT?\n\nFirst - Contact your creditors.  Explain your situation, and see if they'll lower the interest rate on your cards.  \n\nSecond - ALWAYS pay more than the minimum amount due.  If you don't, it's very possible that you'll -never- get out of debt.\n\nThird - If you can possibly live without using your credit cards, do it.  If you can't live without them, try to limit your usage to an amount you -know- you can pay off (INCLUDING those more-than-minimum payments) at the end of the month.
276485
find a reputable credit counseling agency...get an additional job if possible.\n\ncredit counselor company will act as a middle man to your creditors and will negotiate a lower rate for you and also get some of the balance wiped out....you will pay the credit counseling comany the payment for all your creditors along with a small fee...\n\ncheck out the wikipedia entry below regarding credit counseling!
968889
If at all possible, go to your bank. They may be willing to give you a loan which means that you can pay your debt off with one automatic payment a month. I did this and I was amazed that they said 'yes'!\n\nOf course, this doesn't make the debt go away, you've still got to pay it back. The smart thing to do is get a grip on your finances, don't get into any more debt, and aim to pay the bank back quicker than they want you to.\n\nIf the bank isn't an option, then there's a website here with lots of information, pros and cons of debt consolidation. If you go down this route it really does pay you to do your own research and shop around.\n\nGood luck!
392737
If you consolidate your credit with a company that is out there, you get a mark on your credit report similar to that of a bankruptcy. Plus, most of them are so disorganized that they will end up making late payments for you, and your debtors will still blame you for it. \n\nPlus, when you consolidate, it doesn't make the debt go away, it just moves it. \n\nIt is better to set up a "debt snowball." List your debts smallest to largest. Make minimum payments on everything except the smallest. Put as much as you can into that one. When that is paid off, take what you were paying on that one and attack the next one.
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!
527342
Well, to be honest with you your best bet would be to put the money in the bank that you plan on paying the credit cards off with. Each month you can pay over the monthly limit, but make sure you make your payments on time. By just paying off your debt it's not going to really help your credit score. They want to see someone who has really established themselves and has a good reputation. You might be able to get a loan anyway, but I will advise it might not be the best nor the cheapest interest rate. These are definite things to keep in mind.\nIf you do these things it will help your credit score, and you will be building a good reputation for your credit. This will also cause your credit score to go up. Once you have established good credit again, you will be able to get the loan you want and deserve. Hey we all fall into some bad times. So you aren't a bad person!! Just get back up on your feet, and move on. Life throws us curves and sometimes we have to duck, sometimes we have to tread through! \nMy suggestion to you would be to go to the websites I have pasted below. It explains what is a credit score, how do I get my credit score up. \nGood Luck, I hope this helps!
485300
First, try to learn proper grammar.  Second, you can try to call whoever you owe to have the interest reduced, which will reduce the payment amount.  Third, manage your credit so you don't get into this problem again.
722067
When loans are written off they do not disappear. You still have to pay them.\n\nFor example. American Express gives you a 20,000 Pounds Credit Card and you decide to never pay them their money back.\n\nAfter a while they decide to write off your loan. This means your loan was a bad business for them and they are now cutting their losses and sending the problem to a really mean and ruthless company.\n\nThey sell your debt for just 10,000 Pounds or less.\n\nIn their books they have a loan of 20,000 Pounds and they have a loss of 10,000 Pounds and that's it for them.\n\nsometimes businesses are good and you make profits and sometimes businesses are bad and you lose money (Like in your case)\n\nHowever, the company that boughts your debt will get try to get their money back. At first they will try to cut a deal with you and offer your debt (which is 20,000) for just 15,000 (they will still make money with you) if you agree then they move on to the next "customer" but if you don't pay them they will come after you hard. (Take away your car, your house, even your wages from your work)\n\nTrust me you don't want to fool around with those companies.\n\nI suggest you to pay your debts back before your debt is sold.
1101946
Credit counseling services are worse than bankruptcy as far as your credit rating goes.  Simply stated when you use a credit counselor you are telling the world "I can't handle my own finances!"  Would you lend money to someone who made that statement?  Neither would I.  Someone earlier stated it's better to deal with the credit companies yourself.  That's true, but remember while they may offer you the chance to "settle"  your account for less than you owe, it's better to agree to pay the full amount.  Arrange a payment timetable that you can afford and don't miss a single payment. Most companies will freeze your account until you reach a certain level, and while that may sound bad but it IS better than closing it completely.  Bottom line, take control of your spending and debt and work with those you owe and your credit will become better over time.
223712
Most debt consolidators will negotiate with your creditors to lower your interest rate so you can pay them off (which they will do because if you can't pay your bills and file for bankruptcy they don't get any of their money.) \nBut there are some that will consolidate your debt by paying all of those companies off with a large loan from them. They will give you an intrest rate on that loan that will be lower than what you had on your credit cards (or whatever your debt was from.) \nThey do help, even if the company makes money off of you, you save money as well and that is what helps YOU out.
560811
yes.  just agree to a settlement and make sure they understand that u are trying to clean up bad credit.  They will work with you because getting some of the money that you owe them is better than not getting any.
38569
Usually you should try to make a payment schedule.  Tell them you'll pay so much to them every paycheck or once a month.  Tell them the dates you will make payments or call in your payment so they can see that you actually are attempting to pay this off otherwise they think you are just yanking them.  As far as your credit score, I would obtain a credit report from the credit companies.  I think you can get them online.  See if there is anything on your report that is wrong--I've had this happen before where I paid off something and still showed up on my report as owing them--and then attempt to get it cleared off your report.  Either contact the credit company or the company with the misinformation.  If your credit is low because you have alot of credit cards, try getting one card and transferring all balances onto one card instead of having like 5 or 6 cards.  Then close the other accounts.  Having alot of credit cards open even if they aren't being used looks bad.  Try working on paying off your debt, with the littlest one first.  Then reward yourself (don't go overboard) when you do pay one off.  It will take time, comittment, and focus to do this, but once you are out of debt, your credit score will get better.  And the most important thing to do when trying to pay down debt is to quit using credit cards.  Put those dang things in the freezer if you have to.  Or lock them up and give someone the key so you have to ask to use them.  Make it hard to access them.  Credit companies can be a pain in the butt, but try to work out a schedule with them and see if that works.  If they see you are trying, maybe they'll be more willing to work with you.
918640
Get in contact with the debt management charity the 'Consumer Credit Counselling Service.'  \n\nExplain your situation.  Thry maybe able to assist you with your creditors.  \n\nDON'T go to a debt management company which charges.  \n\nGood luck.
30897
First thing you need to do is to find a debt management company for help.  Please stay away from debt consolidation loans or anything similar.  Find a debt management company only.  What they will do is, they will contact every creditors and make a deal, such as lowering your APR.  Then they make promise to pay certain amount every month.  They will take certain amount from your bank account every month and distribute to your creditors.  \n\nIf you go this route, you don't have to worry about getting threathend by the creditors.  Also, this helps with your credit score.\n\nFor a typical company they charge you anywhere between $20-$50 per month for this service, but it's well worth it because they also provide good financial advice for free.\n\nOne of the company I recommend is called Amerix Corporation.  They helped me get out of debt when I was in debt.  Good luck.
714749
i don't think so. i'd seek legal advice, if i were you. you authorized the loan company to make debits, not so and so collection agency. they can sue you, but that's the point, i believe. they would HAVE to sue you to get their money. (if you didn't pay them, of course.) look into that. i also believe you have the right to settle your debt with the original loan company. if you do this, i don't believe you have to deal with the collection agency. they were essentially hired to harrass you and believe me, they will, with a vengeance. they are merciless. when you think about it, it's kind of like a loan shark that has hired a thug to beat you up. but, i would really seek legal advice. i used to work in a credit union and i would see all the time, people that claimed to have paid back loans and were still being debited. be careful.