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kelly l asked:


I want to get out of my credit card debt. I know I need to cut up the cards and tell them “bye”, but can I get a personal loan at the bank and consolidate them with a better interest rate?

Avery

akatilidie asked:


I have debt a little over $7,000. I was unemployed for awhile and just now getting back to paying my regular bills i.e. car, mortgage, phone, gas, and food. I’m just making enough to pay these bills but I want to stop the incurring interest on my credit cards so I can pay them off completely by 2008. What do you suggest?

Danielle

Princess asked:


I have some credit card debt from college (around 8000) I have not been late on a payment in over a year, however I was looking into care one credit to consolidate these. I have already attempted to call the companies and request lower interest rates since they are sky high (one went from 22.9 to 20.9 whoo hoo). My credit score is 632 . Can anyone tell me if this would be a good thing to do at this time. I really want to pay these off. Any suggestions would be helpful.

Jaden

allybd76 asked:


What is the best way to get out of credit card debt. We are not filing bankruptcy. Please, helpful advise only.

Sara

caliguy asked:


Any experience that anyone has had with reducing the current debt that is owed, and having a reasonable payment plan to getting out of credit card debt?

Riley

Gigs asked:


I have about 7 grand in credit card debt What are the best steps to take to get out of it? Are there reputable non profit companies that can help me? Serious answers only please.

Brandon

Memo G asked:


I am serious and devoted to eliminating my credit card debt. I am putting all bonuses, tax returns and left over money towards my 4 credit cards totaling about $12,000. Any tips, secrets or advice on how to get out of debt faster. I have tried to work with the banks to lower my interest rate and they will not (3 BofA and 1 chase) any other suggestions?

Alejandra

love_earth22 asked:


I am getting sick of my bad credit ruining everything I try to do. At this point I am finally able to pay off my debt in order to fix this problem. I have heard stories of people paying off their debt but the company leaving them as unpaid on their credit report. I DONT want this to happen. How do I go about paying everything off while making sure it is taken off my credit report for good? How long does it take your score to change after you paid everything off?

Jasmine

Cali C. asked:


Any tips, suggestions, ideas to help pay off credit card debt in which so many Americans get themselves in.

I have a debt of about just $1300 which was about $2000 in the summer, I’m currently working and paying more than the minimum. Is it better just to pay the minimum, set the aside money each month then pay off the whole thing?

Wyatt