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Credit Debt Counseling Services

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FreedomDM

Joined: 28 Oct 2009
FreedomDM's page
Posts: 106
Location: Florida

2218 Magic Points

Subject: Credit Debt Counseling Services

Wed Mar 31, 2010 8:46 pm

_________________
Michael J Brazier
Non-Profit Budget Counseling

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

59 Magic Points

Tue Apr 06, 2010 1:26 pm

We are looking at refinancing at a lower rate, in fact over the next day or two.

Hopefully we will get a good rate that will allow us to cut the time down on our loan also.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

140 Magic Points

Tue Apr 06, 2010 1:31 pm

We had thought about refinacing out home with the lower interest rates that are being offered now. The only thing holding us back is the fact that the home equity (we did not do a mortgage) is only two years old. Does anyone know if that matters to a bank. I can not see paying even a percentage point more if it means paying less for my home.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

59 Magic Points

Tue Apr 06, 2010 1:41 pm

I can give you a number where you can talk to the guy, he is really good about offering advise, we got our loan through him about 6 years ago, he calls at least once a year to see how things are going, if there is anything he can do.

He also lets us know when the rates have dropped, we are looking at popping into 4.5% rate, hopefully what I have done over the last month will do the trick. I had a few things they recommended I do to bring my score up.

theyre a really good outfit to work with.

kimsmith07

Joined: 28 Apr 2010
kimsmith07's page
Posts: 10

107 Magic Points

Wed Apr 28, 2010 4:53 pm

What is the real benefit of Credit Debt Counseling Services, how this service help me, i want to pay off my student loan.
_________________
Creative Ways To Pay Off Student Loans

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48567 Magic Points

Subject: paying off student loan

Fri May 28, 2010 11:18 am

Hi kimsmith,

Credit counseling cervices help you in budgeting so that you can pay off your debts. However, if the budgeting doesn't work out, they will enroll you into a debt consolidation program, or a deb6t settlement program, and do all the negotiations on your behalf.

Thanks,

Aaron
_________________
Keep in touch Smile

Birdie
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Sun May 22, 2011 10:52 pm

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Thu Mar 08, 2012 9:49 pm

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* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.