I am sick of living in debt, and I want to get out fast! I just got a raise at work and I think I’m in a pretty good position to get out of debt with the help of a good settlement program. Does anyone have any suggestions? Has anyone tried this Debt Negotiation Service? They look pretty promising. What about this debt relief program? Any comments on this program? Any help would be much appreciated!
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No program will help you unless you are dedicated to get out of debt. At one point I was 25K in debt and was seriously thinking of filing for bankruptcy, but I got out of it. I also helped a lot of my friends out of the debt situation. The real estate is a very good way to get out of it, trust me.
If you need more help and willing to give me more details about your debt/income, I can try and guide you through and save you all of that money that you would pay those programs who woudl do the same thing.
Yuri
-- TIME IS A TERRIBLE THING TO WASTE, SO STOP WASTING IT --
I,m not in that much debt just cant seem to make ends meet. thanks for the time
what exactly is it that u do & by the way i agree with what u said about the dept issue, i have a credit problem which is why i havent done anything yet, how do u help.
Before I looked into investing - I too had my debt issues...actually learned a lot by trial and error. But in short and just some FYI stuff for you. If you feel you need a debt management program...whichever one you use make sure they are Non-Profit. Also know if they are in collections accounts...every state has statue of limitations, in short if a debt is over x amount of years depending on which state you live. The debt is un-collectable. But collection agencies will try their very best to put fear in you and make you pay. They feed on and expect that the consumer has no clue. Bottom line - you can do whatever those management programs are going to do for you. Really find a book and read...I hate reading, but when it's going to affect my life dramatically. I'll read it. Truthfully it has launched me into what I'm doing now. REI with Dean Graziosi and friends.
Good luck and really look into finding a book. A great movie for all to watch is MAXED OUT - The truth about the lending industry documentary. what's funny about that movie is that the cover has stickers that say parental permission and youth restricted. Think about how we all were never educated about credit.
Oh yeah - debt negotiations collect your money and put into escrow account, while your credit get's thrashed. Most of them aren't even licensed in the state you probably live in.
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It's no bother. I just worked my own program where I took a piece of paper and wrote down all of my debt, my monthly payments, etc and my salary and any other income and just tried to minimize the spendings. I have helped alot of my friends and everyone is an individual since we have different debts.
Yuri
-- TIME IS A TERRIBLE THING TO WASTE, SO STOP WASTING IT --