I am looking at about $24K CC debt with +/- $100K

I am looking at about $24K CC debt with +/- $100K monthly payments (car and house separate).
1. we are drowning. What do you think is the best way to explore to consolidate debt and pay it off in a reasonable manner?
(2) Can you recommend a good non-profit consumer credit organization to study and possibly approach? Thank you.

2 Answers


CCCS probably offers a free counseling service. A counselor (certified with NFCC) will likely see you and analyze your dets, living costs and income. He'll discuss some debt reduction strategies with you.

You'll need to sign an agreement with CCCS, wherein you promise not to acquire any more debt till you pay off the current one. You'll probably need to make your payment with CCCS, who'll pay off your creditors.


Look up your local office of Consumer Credit Councelling Service (CCCS)

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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