I wanted to know what route I should take if I don

I wanted to know what route I should take if I don' t want to mess up my credit score. I am in debt of $10,600.

2 Answers

If you are in a financial crisis and can’t payback your debts, then you may try to consolidate your debts. You may also enroll in a debt consolidation program. This program helps you to replace your multiple bills into a single monthly payment. Debt consolidation doesn’t have any negative impact on your credit score.


Both debt settlement and debt management will tank your credit score.  If you wanna get out of debt without messing up your score, a HELOC is probably your only option.  Otherwise you need to get disciplined, get a second job and increase your monthly payments and get your debt paid down.  Live on a frugal budget and apply every available penny to your debt.

 

What type of debt do you owe???

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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