Any one had experience, good or bad, with contacting a Christian Debt Consolidation company?
Credit card debit, college loans аחԁ medical bills аrе аt critical levels аחԁ аm way over mу head. Trying tο mаkе monthly payments, bυt tһаt іѕ חοt enough. Nοt eating out οr wearing חеw clothes, јυѕt חοt mаkіחɡ enough money. Considering turning tο a debt consolidation service, bυt חοt sure аbουt wһο wουƖԁ bе safe аחԁ secure tο ɡο through. Thanks fοr аחу input.
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Tagged with: Bad Debt • Christian Debt Consolidation • Christian Debt Consolidation Company • Clothes • college loans • Company Credit Card • Critical Levels • Debt Consolidation Company • debt consolidation service • debt service • Enough Money • Medical Bills • Way Over My Head
Filed under: Money Saving Tips
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First of all they are a BAD IDEA from the get-go !!!!!!!!!!!! You can do this all by yourself and it wont cost you a cent !!!! And just because it says CHRISTIAN doe NOT mean it’s excellent!!!! Some of the largest swindles and rip-offs have been done under the guise of "Christian" !!!!!!!!!!!!!
I will help you if you want. I have helped many. And wont charge you.
First you need to cut up ALL CREDIT CARDS. Then you need to call each credit company and question to speak to the supervisor, you need to tell them that your current interest rate is way too high & you need to get a much better rate or you’ll have to drop their card. (pay on time each month, so they’ll want to keep you & always try to pay at least 40% more than minimum due and as much as you can afford!).
Do you have a checking account, I assume you do. If so, go to your bank & question to open an OVERDRAFT PROTECTION ACCOUNT on it. This will enable you to pay your bills on time and it will keep your credit excellent as you wont have OVERdRAFTS!!! After you open that, you need to make all your credit card payments AUTO-PAY out of your checking account for at least the minimum due, preferably min.+ $10 each. This way you will NEVER be late on a CC payment and your credit will improve vastly in the next 6 months !!!! Also try to pay something on each card by check when it comes in by snail mail !
Then contrary to what most financial advisers advise, I want you to start paying down your lowest balance as much & as often as you can, if you have $5 extra in change that week, drop it in the bank & send them another check for $5 !!!
Dont buy ANYTHING you can make at home and take with you to work or play !!!! You’re on a MONEY DIET !!!!!!!!!!!!!
Make your own Latte, your own muffins, your own dine !!! Dont buy an pre-packaged foods, make your meals from scratch!!! No movies, barrow movies from friends or the PUBLIC LIBRARY — they are FREE !!!!!!!!!!!!!!!! All you need is a library card !!!
I can council you more if you are interested, let me know. petunia1354@yahoo.com
I helped one co-worker clean up his credit and within 7 or 8 months he was able to buy his own home (and he was out of honest debt !!!) Aunt Barbie