Home Equity Loan

Where should I go to get help with debt consolidation?

I have really bad credit, I am in debt and I already have a home equity loan.. where can I go for help?? I want to avoid bankruptcy. Please help.

Public Comments

1. Consumer Consolidated Credit Services CCCS. Look them up on web. Good luck to you
2. Consumers Credit Counselling are old timers, not johnny come latelys. Located in most towns.
3. I have some suggestions if you are interested. RexL
4. Go to the Better Business Bureau website and look up Consumer Credit Counseling Service in your area. Make sure you are looking at a company with a long history and is non-profit. They should all be affiliated with CCCS even if they go by a different name in your area. I send people that way all the time.
5. Call the American Consumer Counseling Center - unlike a lot of those "debt solution" places, this is a non-profit and won't take your money. They can give you some great counseling and advise you on the best options for your particular situation. American Consumer Counseling Center http://www.consumercredit.com/ or 1-800-769-3571 Also, get down to your local library tonight and start checking out personal finance books - they can be wonderfully empowering and inspiring, and many are written in simple English. -The Complete Idiot's Guide to Personal Finance in your 20s and 30s -The Complete Idiot's Guide to Managing Your Money -Smart Women Finish Rich, by David Bach -any Suzy Orman books
6. Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on<!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time. Take a look on http://badcredits.awardspace.com/Loan-Consolidation.htm You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to-->arrange loans or other finance, and usually means you will pay more interest on any loan you take out.
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8. Debt consolidation is an option, and you should look into it. Just be careful about WHAT you're getting into. Some plans, because of their higher APR rates get you into more trouble than you were. Also, some lenders look poorly upon it later on. Some institutions believe that it really is a black mark. It will depend upon the types of deals that your particular company or lender work out, and of course, your own individual circumstance. For some with absolutely NO way out, debt consolidation is a welcome option. Take a good hard look at all the options and plans offered, and don't let a single company pressure you into something you just can't do. Make sure that you're comfortable with the plan offered before you commit to it. In any case, it doesn't hurt to investigate debt consolidation as an option. It doesn't cost you anything to find out more information about it. If you want a place to start your investigating, there's information and listings for debt consolidation providers on the page listed below. You'll probably find something of use there: http://axalda.info/debt-consolidation.html