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What should I do about this

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Carron
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Subject: What should I do about this
 
Posted on Thu May 06, 2010 5:28 am  

I had a payment arrangement set up with a credit card company. However, it came to an end recently, but wasn't able to renew it. Called the company for a month and could not reach anyone that could help. Finally when I was able to speak with someone all they could say was I needed to contact a debt consolidation agency to go on a program. I have sorted out arrangements with every other credit card company I deal with and each and every one of the other companies have been really nice. What I need to find out is can anything be done regarding this situation? I can only afford a certain amount which I am paying but this company (no names) have been ridiculous.

Please advise.

Thanks.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: payment arrangement
 
Posted on Thu May 06, 2010 10:17 am  

Hi Carron,

Can you tell whether or not you have defaulted on this card? If you think that you won't be able to pay the dues on this card, then you can join a credit counseling agency to help you in negotiating a repayment plan or settlement.

When you join a credit counseling agency, this will get reported on your credit report. However, this won't affect your credit as negatively as late payments and delinquencies. Moreover, after you finish paying off the dues, your account will be reported as "Paid". You can then request either your creditor, or the credit bureaus to remove the comment regarding the credit counseling from your report.

Thanks,

Aaron
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Dobson
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Subject: payment arrangement
 
Posted on Thu May 06, 2010 11:57 am  

Hi,

I too had to face same problem with renewing my repayment plan. Thus, I went ahead and joined a credit counseling company. They helped me in paying off my debt much easily, without me facing any kind of harassment.

Now my credit has started improving Smile

Thanks.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Sat Jun 05, 2010 9:04 am  

Hi,

Before joining a credit counseling agency, one should always check whether or not the company has been accredited by the Better Business Bureau. You also need to check if the company has been in business for more than 10 years, and how are they reported about. If a counseling agency ever charges money before helping you in your problem, such company should better be avoided.

Thanks,

Aaron
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cccfree



Joined: 14 Apr 2011
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Posts: 16



177 Magic Points

 
Posted on Thu Apr 14, 2011 11:54 pm  

Good advice here! Also when looking for a credit counseling agency make sure there a memeber of the NFCC or BBB. Also do some searches online for their company name and find out if they have any "ripoff reports" out on them or adverse reviews on the internet out on them.
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crorkz matz
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Subject: cUJwQkVGtgmbEHY
 
Posted on Tue Aug 05, 2014 11:47 pm  

CG6Onm Fantastic blog post.Really looking forward to read more. Want more.

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