http://counselingdebtreduction.com/bankruptcy-debt-consolidation-service-consumer-credit-counceling-serv.html Debt Counseling Guide Wed, 11 Aug 2010 17:54:20 -0400 http://wordpress.org/?v=2.8.4 hourly 1 http://counselingdebtreduction.com/bankruptcy-debt-consolidation-service-consumer-credit-counceling-serv.html/comment-page-1#comment-149 chslaw Fri, 04 Sep 2009 05:28:01 +0000 http://counselingdebtreduction.com/bankruptcy-debt-consolidation-service-consumer-credit-counceling-serv.html#comment-149 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. 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.

]]> http://counselingdebtreduction.com/bankruptcy-debt-consolidation-service-consumer-credit-counceling-serv.html/comment-page-1#comment-148 tryinthis2 Tue, 01 Sep 2009 09:16:11 +0000 http://counselingdebtreduction.com/bankruptcy-debt-consolidation-service-consumer-credit-counceling-serv.html#comment-148 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. 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.

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