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Consolidate debt? Can you consolidate debt if some credit cards are already in collections and if one is wanting to sue you? Does anyone know of a good company that can help me? Also a bad credit score should not matter right? Thank you!

What is the best way to consolidate debt? I have a lot of credit card debt. We are now starting to pay them off, but the apr's are so high (29.99%) it's hard to even see it drop. I do not have a house to use as equity. Have never filed for bankruptcy or anything like that. We just have a very high debt to income ratio. Credit score is well below 700 as well. What is the best option to consolidate the cards to one lower apr? I cannot get new cards either, so that is out of the question.

what is the best way to consolidate debt without using a line of credit? I have only one negitive on my credit report, 90 day late payment on a student loan from 2003. The loan has been payed in full for over a year now. But, I am unable to get a line of credit to consolidate my debt which is minimal. What options are out there? I am currently on a waiting list for housing and my number should be up in a year and a half. I need to get rid of my credit cards and put together the down payment for my place in this time. Any suddgestions?

How can I get a loan to consolidate debt? I have good/poor credit and most of the loan sites I've tried deny my loan application. I'm looking for any suggestions anyone might have. I have roughly $2,000 in credit card debt that I am looking to consolidate. Thank you.

When living paycheck by paycheck, what is the best way to consolidate debt? Can you give me insight as to the best way to save money, make money or consolidate current debt so that living paycheck to paycheck and worrying about whether or not one can make rent won't be a constant worry? Please serious responses only, not the "don't buy anything" answer. No new credit cards have or will be used. Thanks.

What is the best company/solution to consolidate my credit card debt with? If I do not have a perfect credit score and I am past due in some credit cards what is the best company to consolidate debt with so I can make one payment?

Consolidate debt? Too many credit cards? How can I eliminate debt with out it hurting my credit score? Consolidate debt? Too many credit cards? How can I eliminate debt with out it hurting my credit/fico score? Do the consolidators companies hurt your credit?

How can a person who has bad credit take out a personal loan to help consolidate debt? Is there any way to take out a personal loan to help consolidate debt when a person has a bad credit score?

Please tell me good ways to Consolidate debt, mostly credit cards and student loan.? Debt is no more than 30,000 US dollors (combined that is mine and spouse). If anybody can help me find governement funded programs that help people consolidate debts; that will be awsome. Thanks.

Best way to consolidate debt when you already have so much they won't give you anymore? I'm trying to better myself and pay off credit card debt. My credit is good, I just bought my first home by myself. But I wish ot get rid of my credit card debt faster... I have done all I can transferring to lower rate cards. But when you try to pull out a loan to consolidate, they say "you already have too much out", and I get declined. But that defeats the purpose! I think it's too soon to do a home equity loan, I don't have much equity in my home yet. And I really don't want to resort to a credit counseling agency that can harm your credit! Any ideas or banks, websites, etc. to check out?

Is there any way you can consolidate your debt, including car loan, personal loan and credit cards? Will a bank consolidate debt up to $40,000.00? does it depend on your credit score? What bank or institution do you recomend?

How you rating Credit Solution company as consolidate debt company? I try to consolidate $7000 credit cards debt.

Is it a good idea to remortgage house to consolidate debt? My husband and I are looking into refinancing to consolidate our debts, it'll pay our credit cards, car payment etc...the lower monthly payment sounds great but I'm afraid it'll be more trouble than it's worth. Does anyone have any tips, suggestions, questions we should make sure we know before we say yes?

Is it a good idea to consolidate debt? My boyfriend has a lot of credit card debt - 35000$$!! We are trying to get a hold of this. Is it a good idea to get a bank loan to consolidate this debt?? Any advice is appreciated!

I am looking for a personnal loan to consolidate debt? I am looking to to borrow 65k from a personal lender to consolidate personal debt Does anyone have a good lender that will loan money on fair credit on a 10 yr term?

Is it better to consolidate debt or to pay it off one bill at a time? I am wondering would it be faster and better to consolidate our debt or to just research how much we owe to each individual company and pay off a settlement that we negotiate?

I want to consolidate debt. Any good trustworthy companies? We do not have a lot of debt, but want to buy a house in 2-4 years. We want our credit to be squeeky clean. I've heard of companies that will make offers to the collectors and then consolidate all the bills into one monthly bill. Any good advice?

Is there a place to just do a personal loan to consolidate debt? My bills are all current. My credit is good. I live in Texas. I do not want to do a refinance or a home equity. I cannot seem to find a source to consolidate my debt. I have good credit and i never have had a late payment. Everything i find is for people who have already fell behind. I do not wish to do this. I want to keep my credit good. I need to make one payment and interest per month rather than four. I am now self employed. Any suggestions?

What's the best way to consolidate debt? We're looking for the best way to consolidate our debt. I'd like to apply for a Home Equity Loan or HELOC but our home is financed through a family member. Therefore, nothing is really on "record" as far as our mortgage. Can we still apply for such a loan? Just looking for suggestions on consolidating our debt... any suggestions would be appreciated.

How do you consolidate credit card debt if you do not own a home? I owe about $12,000 in credit card debt and I wanted to make that my year's goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to "negotiate" with your creditors to bring down interest. Does anyone know of a good resource where I can just consolidate the debt and make one reasonable payment?

I have REALLY bad credit and I am also in debt. Know of anyone that will lend money to me to consolidate? I have made my mistakes and now I am desperatly trying to fix them. I would like to know if anyone may know of a company that will lend money to consolidate debt, so I can get my life back on track. I have REALLY bad credit and a lot of debt. Please help!...

How can I consolidate my debt without paying fees? My husband and I just got married in September. We both have some debt and both have fair or poor credit. We do not own a home, we rent. What we want to do is consolidate our debt into one loan and just make one payment on it every month. How can we do this but not have to pay fees and with our "not so perfect" credit?

What's a good country for an American to consolidate debt in? I was thinking I could consolidate my substantial debts with a firm overseas, that may offer more competitive prices for the American dollar. I'd think a less wealthy nation, where things are cheaper, would be the best bet. Is this accurate? possible? And what are some good countries if so?

Consolidate debt into a college loan? I plan on joining the National Guard. An incentive they have is they pay off student loans. Is it possible to take my debt of about $3,000 and consolidate it into a student loan?

Is it better to consolidate debt into an existing personal loan than have credit cards and a personal loan? Hope this makes sense. Just after some serious advice on whether I should consolidate all my credit cards again into an existing personal loan. Also not looking for lectures, I've learned my lesson. please note I'm in Australia so interested only in Australian financial advice that is relevant for me

How to make it easier to consolidate my debt? I am owning an amount on a barclay credit card and also have a barclay loan. I am thinking of getting another loan with a better interest rate and then pay off the card and the loan so I can consolidate the two debts into a monthly payment that is lower than what I am paying now. Is this something that people have done with any success? Whats the best way to go about it? I do not want to get caught in any debt consolidation scams that I have heard about. Any advise/suggestions/web links would be grateful. Thanks

What is the easiest way consolidate debt and finance a home? My credit score is not that good but I have a good paying job had to send family tons of money I live in a home now i rent with the buy option is there any company that will pay off my debts and finance my home that i have been living in for two years so that i can get out of debt is this possible.

Where can I find a legitimate lender in the USA I want to consolidate my debt into one monthly payment? I have been searching for about a week but so far all I have found are scams. I have poor credit and and wanting to consolidate the bills. Yes I understand that I am rearranging my debt but Im about to drown in it now.

How to consolidate credit card debt? I currently owe $12,000 from my credit cards and am looking for the most effective way to consolidate this debt. I'd appreciate answers only from those who have either done this before or have expertise in the field. Thanks in advance.

Can you consolidate debt after it has gone to collections? I have a credit card debt for about $30,000 and haven't payed for about 2 months. I have looked into debt consolidation but I don't have the means to pay for that either right now. How long will it take for them to send the debt to a collections company? Then how long does it take them to go to court? I am just trying to postpone going to debt consolidation for a couple of months until after I have my baby. No one wants to hire a 7 month pregnant lady :( and my summer school position was cancelled.

How can i consolidate my debt? i am seriously in some credit card debt. can someone please tell me how to consolidate them so i can be free of debt.

What is the most efficient way to consolidate debt? I want to con. all my loose debt (credit cards, a small 5 thousand dollar loan, etc). Can i do all of this without hurting my FICA (credit score)?

Can someone recommend a good credit card company to consolidate debt with? Obviously, I would like a low(er) interest rate. I just have 3 high interest credit cards, and I would like to consolidate so I can just make one payment per month.

Is it ok to consolidate personal debt into a business loan? I'm starting a business and have been lucky enough to find a term loan with a 9.5% apr and no prepay penalty. Also, I may use the funds at my discretion. Would it be wise (or legal) to consolidate higher rate debt into this loan?

Does anyone know from EXPERIENCE good banks to consolidate debt with a good credit rating? My credit isnt excellent but it is good about 670-710. I have about 55k I would like to consolidate into 1 payment. I cant take out a home equity loan yet because I just bought my house in April 2008.

Should I consolidate these debt that I have? I have 3 credit cards 2 major and one store. Also I have a car loan and a couple of minor things on my credit. I would like to take out a loan to consolidate all this debt into one bill what should I do? What company would be the best to help me with this loan at a low intrest rate?

Will someone help me consolidate my debt by loaning me money? I'm in the red and i wanted someone to loan me money so that i could consolidate my other debts. I have a business but i just couldn't get out of debt if i don't have a long term loan. please help me. Unfortunately I live in the Philippines. Will someone help me with my problem?

As a first time home buyers can I consolidate my debt using the remaining money from my home loan? I am planning on buying a house soon, and the value of the house is less then the loan amount for which I have been approved. I want to know if I can take that remaining money and use it to pay off my outstanding debt. (credit cards, car loans etc.) Essentially consolidating my debt into one payment.

what does a credit counseling company writes or reports on someone's credit report when they consolidate debt? When a person consolidate their credit card debts, why is it that it effects their credit? What does the consolidating agency write or report to a person's credit file evey month? Does the consolidating agency and credit report company communicate evey month about report negative information a person's financial situation? ***Thanks For Answering My Question***

I need to find a site/company that can help with my credit card debt. To consolidate it? Does anyone know of any sites or companys that consolidate credit debt and to help me thru it? I didn't take care of my credit to much in the past and now they call me everyday mon-sunday Thanks

Who is the best companies to consolidate your debt? i need help in finding a place to consolidate all of my debt. please help

What is a good company to go through to consolidate my debt? I have about 8,000$ in debts I was wanting to try and consolidate. What is a good company to try and do this through? I am lost in the financial world, and thought i have a new good paying job, I have fallen a couple months behind, and it would be best to see if I could consolidate. Please help me!!!!!

who is the best business compant to consolidate debt with? looking for a company to help get rid of some debt.

Best way to consolidate your debt and pay it off? Anyone have any tips or exp they can share as to how to go about consolidating your financial debt and pay it off. I am trying to help my bf get everything together to pay off his debt once and for all. Thanks !!

which is better to do consolidate debt or just file bankruptcy? i am 24 years old trying to to figure out what is the best way to resolve 20,000 dollars worth of credit card debt of which wasn't frivolous spending. help! i only have a part time job which i make good money but doesn't suffice when you are behind on bills.

How do you consolidate debt? If a person has credit card debt, and a very big car loan that they can't afford, how can they fix it? It's a friend of mine, and his vehicle payments are killing him (along with gas and a stupid amount of repairs for a newer vehicle). Does he have to keep this vehicle, or is there a way to get rid of it? How can my friend get his financial situation back on track?

We are wanting to consolidate our Medical debt and other debt, what is the best way? We have a lot of medical debt and we are wanting to get our credit back up, we also have a loan we would like to include into the debt consolidation. What is the best way? We can't afford to pay what they are wanting us to pay each month. We hope to consolidate at a good monthly payment and then pay it off by next tax season. Any thoughts? I am looking for people have done this and what companies they have used as well? Or should we go through a bank? Please help!

Are there banks that consolidate your credit card debt so you can make just one payment a month? Hi, I am student and am getting nervous about my credit card debt ($5,000). It is such a hassle to pay on each card each month. I want to consolidate all the debt and make one payment each month and start paying them off. It's difficult bc I am student and do not have an income. I have school loans I use while in law school. Any suggestions?

What should I look for in a consolidate debt company? Which is best? I'm interested in going for one, but I don't know exactly how it works.

Need help with locating a lender to consolidate my total debt. Can anyone help me? I want to consolidate my total debt and make one paymant. Needs to be with someone who takes poor credit and low income. Please help!

Where can I go to consolidate all my debt to improve my credit? I've slowly been paying off my debt but now I want to consolidate it all together and pay a low monthly fee...where can I go? I'm scared of giving away my information to the wrong people.

Is it possible to consolidate credit card debt into a student loan? In addition to my student loans, I also racked up some credit card debt while in school. I know its probably a long shot, but can you place that in when you consolidate? Just wondering. Thanks

What is the best way to consolidate debt and make it affordable?

How you rating Credit Solution company as consolidate debt company? I try to consolidate $7000 credit cards debt.

what is the best way to consolidate debt? i thought about paying off a big credit card and then paying my other ones in full of of that is this smart?

Where is the best place to call to refinance house/ consolidate debt? My husband and I have had a rough time financially in the past year. I am a stay at home mom and my husband makes good money except that he was laid off for most of the last winter and we are having a really hard time catching up and now our credit is not so great because we've been late with so many payments. I tried to get a job too to help but ended up paying more for daycare than I was making. Wondering if anyone knows of a good company to call to help us out with refinance/consolidation. We live in wisconsin. Thanks!

What is the best way to deal with credit card debt? Consolidate or Credit counseling company? Just had a major surgery and racked up some major credit card debt while being out of work. Just looking to see where I could start now that I am going back to work.

How long will bankruptcy will remain on a credit report or if you consolidate debt?

where to consolidate credit card debt with bankruptcy? I need to consolidate my credit card debt. I have a BK on my credit report from 2002. What bank or lender should I apply to?

I want to consolidate my debt? I have great credit, but a little to much debt. I would like to consolidate my debt without hurting my credit to bad. I would like to be able to pay less than what I am paying now. Paying for many years does not bother me, some of us can only make it with payments on everything (that's me, the world is to hard and expensive today). Does anyone know a good place to go with?