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05.22.08, 08:47 AM General Topics
23 replies
has anyone had a lot of credit card debt, and used credit couseling or some kind of consildation plan that was legit and really helped get it under control? [ Reply | Watch | Flag ]
General Topics 05.22.08, 08:47 AM Flag
 

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Yes, Christian Credit Counselors in CA. They were excellent. [ Reply | More
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General Topics 05.22.08, 08:48 AM Flag
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op thanks, but what if you're in ny? [ Reply | More
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General Topics 05.22.08, 08:50 AM Flag
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np- do you have a link? TIA [ Reply | More
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General Topics 05.22.08, 08:52 AM Flag
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dh and I got in massive debt, but just paid it off. took a couple of years [ Reply | More
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General Topics 05.22.08, 08:50 AM Flag
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when you say "massive" mind sharing the number? did you work out anything with credit co. or just paid straight? [ Reply | More
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General Topics 05.22.08, 08:51 AM Flag
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between 30k and 40k. just paid straight [ Reply | More
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General Topics 05.22.08, 08:53 AM Flag
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feels good to get out of it, doesn't it? [ Reply | More
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General Topics 05.22.08, 08:56 AM Flag
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oh yeah, but it really set us back [ Reply | More
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General Topics 05.22.08, 09:00 AM Flag
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consolidation is in all cases a ripoff. The answer is spend less. (Google "Micawber Principle") [ Reply | More
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General Topics 05.22.08, 08:52 AM Flag
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not always that simple [ Reply | More
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General Topics 05.22.08, 08:54 AM Flag
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ittta [ Reply | More
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General Topics 05.22.08, 08:54 AM Flag
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^^I agree. I hate these smug unhelpful answers. I know that now but too late. I need help for what I'm in not what I should have done. [ Reply | More
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General Topics 05.22.08, 08:55 AM Flag
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yeah, but she is obviously in a hole now. [ Reply | More
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General Topics 05.22.08, 08:54 AM Flag
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^^ THANK YOU! No need to state the obvious...looking for right advice for what's NOW please [ Reply | More
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General Topics 05.22.08, 08:56 AM Flag
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Get on the Dave Ramsey Total Money Makeover. It works, makes total sense, and gets you back to joy the fastest. Be very skeptical of debt consolidation. They totally destroy your credit. [ Reply | More
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General Topics 05.22.08, 08:58 AM Flag
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OP thanks this is the kind of advice I need- concrete and helpful! Does this program get you sorted out of what your in with tips etc. or is it just a preventative approach? [ Reply | More
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General Topics 05.22.08, 09:01 AM Flag
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^^ referring to the DAVE Ramsey thing [ Reply | More
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General Topics 05.22.08, 09:01 AM Flag
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It is totally for your situation, but a lot of effort. He starts with the basics. What do you bring in after taxes, what are you spending it on, are your car(s) too expensive, is there anything you can sell? Then once that is where he likes it, he starts you paying off your debts - not in order of interest rate - but from smallest to largest in what is called the debt snowball. The experience has shown that his plan of attack actually works, but most people are so panicked when things get really tight they just can't think straight. The book really helps. [ Reply | More
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General Topics 05.22.08, 09:06 AM Flag
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right now my largest debt has no interest at all, so I wouldn't use that model, right? [ Reply | More
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General Topics 05.22.08, 09:08 AM Flag
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well, that's perfect then. Make minimum payments on all of them, but cut expenses to the bone and put every spare nickel on the smallest debt. Once that is out of the way, you have more money to apply to the next smallest debt. You gather momentum as you go, because those minimum payments that were eating you up start to disappear. But don't refinance and put it all on the house. [ Reply | More
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General Topics 05.22.08, 09:11 AM Flag
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op: WOW! thank you so much for sharing all that detail! i truly appreciate it and will get book today [ Reply | More
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General Topics 05.22.08, 09:09 AM Flag
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or- no problem, I am with you [ Reply | More
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General Topics 05.22.08, 08:59 AM Flag
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or? Op here- do you know that they work with people in NY? Does anyone know of CRedit counselors in NY? [ Reply | More
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General Topics 05.22.08, 09:04 AM Flag
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