Comments on: I have 15,000 in credit card debt and really need to do something to get out. Any suggestions? http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/ Card Debt Relief | Credit Card Debt Consolidation Sun, 29 Jan 2012 03:35:24 +0000 hourly 1 http://wordpress.org/?v=3.0.2 By: Louis http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2665 Louis Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2665 Don't borrow to pay off a debt. The first thing is quit charging. pay cash and take a second job and put all of it on your debts and cancel them one at a time. But if you borrow and pay then you will just keep it up until you file bank ruptcy and ruin your credit. Don’t borrow to pay off a debt. The first thing is quit charging.
pay cash and take a second job and put all of it on your debts and cancel them one at a time. But if you borrow and pay then you will just keep it up until you file bank ruptcy and ruin your credit.

]]> By: cutiepie81289 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2666 cutiepie81289 Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2666 you can try credit counseling it may help. when i was in that situation i kept transferring my high interest cards to new cards with 0%apr for the first year. you can try credit counseling it may help. when i was in that situation i kept transferring my high interest cards to new cards with 0%apr for the first year.

]]> By: Iinvestor http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2667 Iinvestor Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2667 It only ruins your credit for 5 years then you get a clean slate. It will give you a chance to pay more off your house! Ask the bank to extend your credit card loan over a longer period to reduce monthly payments It only ruins your credit for 5 years then you get a clean slate. It will give you a chance to pay more off your house!

Ask the bank to extend your credit card loan over a longer period to reduce monthly payments

]]> By: suninfla http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2668 suninfla Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2668 You will just have to pay the prepayment penalty. You will just have to pay the prepayment penalty.

]]> By: Mr Chris Peters http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2669 Mr Chris Peters Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2669 Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bad credit?Are you financialy down.I give out loans at low interest rate of 3 to 5%.I give out Business loan,Auto and personal loan to Men and women who are into Business transaction and who need it for personal reason.I give out long term loan for two to twelve years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem.Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com.Fill this application below Names: Loan Amount Needed: Telephone Number: Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bad credit?Are you financialy down.I give out loans at low interest rate of 3 to 5%.I give out Business loan,Auto and personal loan to Men and women who are into Business transaction and who need it for personal reason.I give out long term loan for two to twelve years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem.Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com.Fill this application below

Names:

Loan Amount Needed:

Telephone Number:

]]> By: kate http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2670 kate Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2670 Refis ad other loans are just more LOAN , You need to PAY the CC , not get more loan. Serious people who 'get it' , get a 2nd job and put everything towards paying off that debt. As far as credit counseling , with $15K in debt , your credit is already bad (unless your income is in the ($100K+ range with no kids) . Your BAD credit is why the bank loan is 20% , they know, they saw your credit report , you are way over your ability to repay so they want 20%. The best way to salvage your credit is to get that extra income and start putting at least $1K a month towards it. Many people who get the counseling , improve their situation for awhile , then go right back to over spending because they NEVER really get it . Do you actually understand where you have gotten yourself with the CC ? or not really , you are just tired of seeing the bills ? Refis ad other loans are just more LOAN ,
You need to PAY the CC , not get more loan.
Serious people who ‘get it’ , get a 2nd job and put everything towards paying off that debt.
As far as credit counseling , with $15K in debt , your credit is already bad (unless your income is in the ($100K+ range with no kids) . Your BAD credit is why the bank loan is 20% , they know, they saw your credit report , you are way over your ability to repay so they want 20%.
The best way to salvage your credit is to get that extra income and start putting at least $1K a month towards it.
Many people who get the counseling , improve their situation for awhile , then go right back to over spending because they NEVER really get it .
Do you actually understand where you have gotten yourself with the CC ? or not really , you are just tired of seeing the bills ?

]]> By: stopccdebt http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2671 stopccdebt Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2671 A debt management plan would pull down an excellent credit score, but your score is likely below 650 based on the rate your bank offered. I don't believe there would be a negative impact in your situation. Either way, a qualified credit counselor would be able to review your credit report with you to determine the impact of such a plan. Choosing the right credit counselor will make all the difference though. Some of the larger agencies may try to sell you on a plan without spending the time to make sure your needs are truly met. I recommend finding an agency that you can personally visit that has a good reputation and satisfactory rating with the Better Business Bureau. A debt management plan would pull down an excellent credit score, but your score is likely below 650 based on the rate your bank offered. I don’t believe there would be a negative impact in your situation. Either way, a qualified credit counselor would be able to review your credit report with you to determine the impact of such a plan.

Choosing the right credit counselor will make all the difference though. Some of the larger agencies may try to sell you on a plan without spending the time to make sure your needs are truly met. I recommend finding an agency that you can personally visit that has a good reputation and satisfactory rating with the Better Business Bureau.

]]> By: Cathy V http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2672 Cathy V Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2672 You may need to consolidate your debts with a company that gives loans to people with bad credit. Check out http://mortgage.yeyeyup.com. Click on the "debt consolidation" link.Then apply. They may provide you with professional advice regarding all options that are available for free. You may need to consolidate your debts with a company that gives loans to people with bad credit. Check out http://mortgage.yeyeyup.com. Click on the "debt consolidation" link.Then apply. They may provide you with professional advice regarding all options that are available for free.

]]> By: Richard D http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2673 Richard D Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2673 Bankruptcy stays on your record for 10years, but doesn't keep from living and borrowing short term. It is more difficult to file now with the new laws. What you really need, is to learn and practice new spending habits. Without a change in life style, you keep going in the credit card circle. Credit counseling is a very tricky route as the industry is full of crooks who don't fix any thing and keep your money. Some credit card companies will work with you if you call them directly and discuss your problem. Show them you have a plan and follow it. Refi with penalties may be the best depending on if you can handle the payment. You can always refi again a few years when your credit improves as you work out of the debt. I can't stress enough, that you YOU need to change and break the spending habbit. Buy what you need and not what you want and be strong enough to know the difference. I have seen people use this to start over after $75000 in credit card debt in less than five years. Be realistic with your goals and income. Good Luck. PS Watch out for loan scam artists, If you need to send money to a foreign country or give out personal info with out checking source SCAM ALERT. Bankruptcy stays on your record for 10years, but doesn’t keep from living and borrowing short term. It is more difficult to file now with the new laws. What you really need, is to learn and practice new spending habits. Without a change in life style, you keep going in the credit card circle. Credit counseling is a very tricky route as the industry is full of crooks who don’t fix any thing and keep your money.
Some credit card companies will work with you if you call them directly and discuss your problem. Show them you have a plan and follow it. Refi with penalties may be the best depending on if you can handle the payment. You can always refi again a few years when your credit improves as you work out of the debt.
I can’t stress enough, that you YOU need to change and break the spending habbit. Buy what you need and not what you want and be strong enough to know the difference. I have seen people use this to start over after $75000 in credit card debt in less than five years. Be realistic with your goals and income.
Good Luck.
PS Watch out for loan scam artists, If you need to send money to a foreign country or give out personal info with out checking source SCAM ALERT.

]]> By: rowbee http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/comment-page-1/#comment-2674 rowbee Fri, 30 Jul 2010 10:59:03 +0000 http://www.carddebtrelief.net/i-have-15000-in-credit-card-debt-and-really-need-to-do-something-to-get-out-any-suggestions/#comment-2674 my mom was alot deeper than that, and she consalitated and now she is really saving money, it used the be the interest that killed her. my mom was alot deeper than that, and she consalitated and now she is really saving money, it used the be the interest that killed her.

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