I’m wondering if anyone has had any success using those debt consolidation companies and if so, what’s the process of it? How does it work and will it really work at lowering your interest rate/debt owed? And what company(ies) did you use? Thanks!
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Is Debt Consolidation the Right Option? If you happen to be struggling with paying your bills, then debt consolidation might be a good solution for you. Debt consolidation is where you combine all of your bills and debt into one, so that you are making one single lowered payment that can be afforded. Consolidating helps you...... -
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It seems in this day & age everything defines success by a monetary value unlike 50 years ago or so when if you could provide shelter, food, and clothing to your family & have some left over you were doing well. It seems like unless you have a huge lots of luxery things the appearance is your successful even if in reality your drowning in debt & can’t save a penny. My question is why is that? Why is it that if there is two people one is in debt up to his eye balls but has a house, an SUV, & a boat while the other has no debt puts food on the table, saves, has a reliable car he’s not seen as successful. Especially with how indebt everyone says we as a nation are. Someone who can provide for his family & stay debt free even if they dont have the luxery goods is some how not successful just seems so backwards to me. Is someone debt free in living in California but not having luxery good isn’t as successful as someone in debt up to their head but living the good life in Wisconsin?
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Okay, here is the story:
I’ve never been taught a thing about credit and now mine is totally bombed. I don’t need insults thanks very much because I already feel crappy. I have 8K in unpaid medical bills, which have been sent to attorneys (but they have not yet followed up). I tried working out a payment arrangement with them, and they said nothing I offered was good enough. I don’t know what to do, and I’m just kind of living in fear that soon I will be taken to court. I offered a hefty down payment of 2K, with monthly payments of 2-400, but the hospital, collections agency and lawyer all say it’s not good enough. I have 5 late car payments (from late last year, and early this year), but everyone before that and my last 4 have been on time (I fell on terribly hard times), during those hard times, I had 2 credit cards closed (early this year), though my report is showing 3. I made a purchase with the one that’s still open (just 10 bucks to prove the account is in fact active), and I will be sending this as proof to the cred reporting agencies that the card is in fact open, not closed as reported. I currently have about 3K in hospital bills that are not being reported, and I’m paying them monthly, on time, with arrangements. I currently have 3 open cards that are current, and each will be paid off at the end of November. They are retail cards with low balances of 300, 400 and 300 respectively, each has been open for about 4 years now. I am an authorized user on a card with a limit of 1K (open since 2003), and it has a current balance of 500. I have 2 cell phone bills that are in collections, one that does not belong to me and has been debated (it’s 4 years old from when my car was stolen), but the agencies have refused to remove it. The other is 7 years old this month, and should be removed. I am flatout at a loss, and terrified. I used to have a solid score, and I am ashamed to say its now 505!!! **TEAR**. I wrote all of this to give you the full picture. I consulted some cedit counseling companies, and they were no help at all. They just said “keep paying your bills on time, and hope you don’t get sued for the medical bills”. But what if i DO!!! They also told me that I’m not a candidate for, nor should I consider filing for any kind of bankruptcy.
I am college educated (all student loan payments have been on time since the day I’ve been billed), I want to further my education into law school, get a better job, etc. But how can I if my credt is in the way. I was hoping to get a job in Pharmecutical sales until I read a ton of research and realize I won’t get through the door because credit is key to landing this kind of job. I was hoping to do that while studying for my next degree (Poly Sci), then moving on to law school.
I dont want any SCAMS they will be deleted. I want real advice from real people who have been where I am now…in the dark, and who can help me map something out, or who can at least inspire me by telling me what they did to get better. I’m thinking of a two year plan, and wondering how muh good I can do in two years. I’m 25, and the biggest dents in my history started when I was in college with no medical insurance. I had no clue it would come to this. I feel like all of my dreams are a waste, and I will be dealing with this forever, with no hope of a solid future. I anticipate having a great deal of money within the next two years (family thing) to try to work on some of this more. But I want a plan of action for now. I want to get it together.
I really wish I had been taught better and handled things better, but I can’t worry about that now. I feel stupid seeing my friends with nice jobs and nice cars because they were taught properly, and their parents made sure they had health insurance. At one point I did have ok credit (enough to get a car loan at 12%!!), I do live in a nice neighborhood, and drive an OK car, but that’s not what’s important to me. It’s the fact that I know they’re futures are a tab brighter because they have credit on their sides. They all mention how they’re parents taught them well. No one knows about my issues either. They all think I’m doing great all around.
I can’t turn my car in because I’m making payments on it, and I live an hour and a half away from my job, with no public trans. as an option.
I had a strike against me the moment I turned 18…no financial education, and no health insurance. But I’m looking to fix all of this the best way I can. Please help….rude remarks, advertisements for scams, etc. will be deleted. I’m sure many of you peruse YA and see stories like this all the time, just seeking some good advice. The bottom line seems to be collections and late payments.
Thanks
The hospital bills range from old (almost 7 years ago) to newer (2004), however, they were all lumped together in 2008 and sent to the legal dept of the hospital. Does this mean I can’t debate any of the older ones, since they all count as one now? And does the consolidation “restart” the 7 year clock?
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