How do credit card debt councilors work with credit card issuers?
January 19, 2009 - I've seen on t.v. how credit card debt councilors work with banks when people owe a lot of money on their credit cards. They say they can not only reduce the amount owed but also get your monthly payments down to where they are manageable. How do they do this, are there any consequences such as a reduction of credit score, and is it effective (do they really do this or is it a scam)? Also, how much do they charge? Thanks.
Unfortunately the ones who advertise on television are usually in it just for the money. Beware of any organization that requires an up-front fee. If you belong to a credit union or there's one that serves your office, they will be able to put you in touch with a reliable organization. Here's a booklet that will help you: http://www.consumerlaw.org/initiatives/credit_counseling/content/Cconsumerfactscreditcounselin.pdf
Hey I know one company who is providing credit card Counseling services at very cheap rates. There charges are very nominal, and service is very professioanal and excellent, I have done my counseling from this site: http://www.debtreduction123.net they have very smart and telantive people at their place, always thinks in your favor. I was really satisfied with their services. You try it out....
HUGE ramifications of using a debt consolidation company. These companies are viewed the same as bankruptcies are viewed on your credit report. This tells the creditor that you are not able to manage your credit. Debt consolidation companies cannot guarantee anything. They work with the creditors and sometimes arrange for a partial repayment. How partial? That's entirely up to the creditor - NOT the debt consolidator. Is it worth it to ruin your credit versus just fixing the problem? NOT paying your bill is EXACTLY the same as stealing. You may not go to jail, but you definitely will be penalized for it. Also ... remember ... employers are now regularly pulling your credit report to get a better look at your character. Bankruptcy? Debt Consolidation? == You can't handle your life.
Knowledge Base: Credit Card Processing
Can I deduct credit card interest for money deposited into a MM account?
January 22, 2009 - Category: Credit Card Processing
if i take a credit card cash advance and deposit this money into a money market account, is the interest on this credit card debt deductable on federal taxes? i have an unique credit card offer that would actually yield a significant profit if the interest is tax deductable. nice
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Is the SOL on credit card debt determined by the state you currently live in or where the debt originated?
January 19, 2009 - Category: Credit Card Processing
is the statute of limitations on credit card debt, determined by the state you currently live in or where the debt originated? i have a debt that i stopped paying
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Who is responsible for credit card debt if somebody dies? Or does the company eat it?
January 19, 2009 - Category: Credit Card Processing
say somebody has x amount of credit card debt, then they die but still have that debt to the credit card company outstanding, what happens? does the company have to write it off as bad debt or ? perhaps the company can hit up that person's estate. but let me
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