Counseling Debt Reduction
Debt Counseling Guide
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Beware: 7 Debt Consolidation Mistakes You Must Avoid
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Hot: How To Find Free Debt Consolidation Services
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Can You Consolidate Without Damaging Your Credit Score?
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Revealed: Which Is Better--Consolidation Or Bankruptcy?
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tryinthis2 posted: 01 Sep at 5:16 am
a charge off means that a company who lent you money tried to get you to pay and didnt and had to “write off” your debt from their books. They probably sold your debt to a collection agency. they took a loss when they took a chance lending you money is how a lender will see it. Bankruptcy is just a total write off of all debts..yes that one is worse.
Bankruptcy is the only thing that will stop collections. I suggest if your credit cards arent delinquent yet to apply for a few more cards (sounds dumb I know) then balance transfer the cards hopefully to ONE card. when you make a balance transfer you actually miss a payment to the card you would have had to pay. your new card is paying that payment for you. saved a month right there…plus the interest on that card for that month.
chslaw posted: 04 Sep at 1:28 am
If you feel the moral obligation to repay some of your debts over time, you might consider a Chapter 13 bankruptcy. I consider debt consolidationn services to be worthless. Contact a local bankruptcy for further assistance.