HI MY name is jason.I would like to consolidate 4

HI MY name is jason.I would like to consolidate 4 to of five cards I have.Approx 20,000.dallors on 4 different cards.I year ago it was 32,000.I was able to take out a personal loan and withdrew money from my pension.I pay more than double most months but sometimes i can only make the mim.My credit score is 758 and have never missed a payment in over 13years.I own a home and want to consolidate all my cards but 1.I have children and need for emergency and it is the best one i have ever had , 12 years with a 17,500 limit.I am paying about 600-900 hundred a month,depending on my cash flow that month.PS i don"t use them any more but the one.Looking for a four year plan.Thanks for your tine.Jason

4 Answers

Work with a counselor who is reliable and experienced. You can try for the credit card balance transfer method too.


If you do choose to go in for a debt consolidation program, do your research before your enroll. Most of the times, these programs are less than efficient. You should look into CCCS as well.


Look at this page to select a reputable debt relief company:
http://www.debtconsolidationcare.com/companies/usa-listing/


You will need to find a debt management company to handle your plan.  Try a non profit consumer credit counselling service.  Be prepared for your credit score to tank.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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