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debt counseling?debt counseling?
logan34 said: "so I have a pretty big amount of debt, and I have been thinking about seeking out a debt counseling service. a friend of mine used Incharge Debt Solutions and it seemed to work pretty well for him. he told me I should contact them.I checked out there website and it seems pretty good. [url]http://incharge.org[/url] but I am still hesitant. I am really nervous about really screwing up my credit but I think it is shot as it is. has anyone used this service before, do you have any advice for me?
[img]http://www.inchargeorg.org/_assets/library/img/528.gif[/img]"
DonM said: "If you read on [url]www.creditboards.com[/url] and in this site, you will find a lot of info you can use to do-it-yourself. why pay the fees of a credit counciling service??
BUT, if you feel that you CAN'T do-it-yourself, BY ALL MEANS, find one that is reputable and wont kill you with fees.
Dont be afraid to ask questions on any site. We are all in the process of getting out of debt. We will try to answer your questions the best we can but always continue searching and READ
Ally said: "Credit counseling can hurt your credit.. how much debt do you have?"
TommyV said: "What I would do (without knowing your situation)is attemot to delete as much of your debt as you can. Then I would work on pay for deletes and dispute everything.
Do tha first. The worst case scenario is you get some debt knocked off and wont have to pay it back. Credit counseling does tank your score from what I hear"
JoshJohnson said: "Yes, be warned the credit counseling can definitely kill your score."