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When Should You Consolidate Credit Card Debt?

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Joined: 14 Oct 2009
jayben's page
Posts: 9

781 Magic Points

Subject: When Should You Consolidate Credit Card Debt?
Posted on Mon Nov 02, 2009 8:53 pm  

hi, hope someone can help me.

i have been bothered by credit card collectors day and night and they keep insisting that i pay my bills. i tell them that i cannot afford my payments. my amount totals $10000 and i cannot pay it all off in full at one time. i have not been paying for my bills for almost six months now, my hours from work were cut and im only making enough to get by day by day.

since my debt has been this far behind on payment, do you think i should consolidate my debts now? what are the benefits of debt relief programs? when should you consolidate credit card debt anyway? do you always have to do it as soon as your behind, or can you do it even when you're current?

Joined: 10 Oct 2009
debranewell2008's page
Posts: 591

111 Magic Points

Posted on Mon Nov 02, 2009 9:07 pm  

I would say know would probably be a good time since you are that far behind. You should take care of it in case they go and get a judgment against you or something. There is a company on here named Freedom you might want to check with them. You can find them the easiest by going to posts since last visits and scroll down until you see a post made by them. They are new so I know nothing about them. But they seem to be willing to help people in your situation.

Joined: 27 Oct 2009
marcusandila's page
Posts: 133

3037 Magic Points

Posted on Tue Nov 03, 2009 7:00 pm  

Hi Jayben,

I agree with debra. Now would be a good time because once they file a judgement against you, I'm pretty sure you have no other alternative because it then becomes secured debt. Don't hold me to that though, do your research. One thing though is some "credit consolidation" seems to be based upon credit approval. In which case, you aren't going to get the loan. Freedom seems like a good option, like Debra said. I'm looking into them, but always check out a company BEFORE you do anything with them. Honestly, if you just google the "company name scam" a bunch of stuff will come up if they have screwed people over. just look into any company for your own safety & well being.


Joined: 28 Oct 2009
FreedomDM's page
Posts: 105
Location: Florida

2329 Magic Points

Subject: Some tips J
Posted on Fri Nov 06, 2009 12:34 am  

Hi jayben,

It sounds like your accounts have been charged off as they are attempting to collect the debt in full and you haven’t paid in about 6 months. Do you know if this is the case? $10k in debt can take quite some time to pay off, especially if the accounts are being sold left and right and incurring fees. You can obtain a free credit report from and they do not ask for a credit card to verify or set you up on a ‘trial’ thingy where you get charged a month later. If you haven’t run your credit this year this would be a great first step in establishing where youre at and where the accounts are. Then, you can figure out where you need to go and how to get there.

I understand too, from your post, that your hours have been cut. We also have a few websites you can check out for legit work from home jobs- recently featured and validated on Dateline. I believe CNN and MSNBC also did an investigation to ensure they weren’t crooks. These sites may be able to give some extra income and only require a decent internet connection and a land line. I happy to provide these links for further review.

If you’d like, we provide a free budget counseling session as well to assess your current situation and make saving suggestions to better manage your monthly disposable income, free up some cash, etc. Youd be surprised what we can come up with!

Feel free to give me a call or shoot me an email. I also welcome and encourage the continued posts here so we can help educate others who may be in the same situation as you because trust me, you are not alone. 80% of America is suffering from credit card debt.

Good luck and let me know if I can be of further assistance.
Michael J Brazier
Performance Based Debt Relief

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

623 Magic Points

Posted on Fri Nov 06, 2009 2:47 am  

I don't have any credit cards now, but I used to have four of them, the companies don't help at all. They will rap you with a fee in a heartbeat, sometimes these fees will send you right in to where you are today, big credit problem.

Joined: 27 Oct 2009
marcusandila's page
Posts: 133

3037 Magic Points

Posted on Thu Nov 19, 2009 12:16 am  

goodnatured, freedom offers a monthly fee of $10 for the fee. plus the state required credit consolidation enrollment fees [which vary, i think]. not all companies are "out to get" the consumer. some really are out there to try and help. i think freedom is one of those companies, but i don't have any experience with working with them either to know for sure.

im curious, are you debt-free? from your postings it seems like you are. if so, congratulations! that sure would be nice to be debt-free. Smile ive made the "commitment" to myself that the only debt i will have in the future will be mortgages. that's it. im off to a good start so far...

Joined: 01 Apr 2010
equistar's page
Posts: 9

101 Magic Points

Posted on Fri Apr 02, 2010 2:45 pm  

What are you waiting for? you have not been able to make your payments from last 6 months I think you should consolidate asap.
debt solutions California

Joined: 13 Apr 2010
Steve_Smith's page
Posts: 4

66 Magic Points

Posted on Tue Apr 13, 2010 5:39 pm  

Hi Jayben

If you can find a better rate for any borrowing that you have you should always consolidate, if you wait until you are struggling you may find it harder to arrange a condolidation loan.

You should however always make sure that you destroy any credit cards once you have repaid them, to ensure you do not add to your problems.
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Sally Nachelle

Subject: When Should You Consolidate Credit Card Debt?
Posted on Thu May 12, 2011 6:39 am  

If you have incurred debt and can’t repay your bills, than it is better to consolidate your debts now. As you haven’t been paying your bills for six months, so debt settlement is a better option for you. Debt relief programs offer you the following benefits:
1.Reduce interest rates
2.Improve your credit score
3.Late fees are waived off
4.Stop getting harassing calls from creditors
5.Make one easy monthly payment.
6.Make you stress free
7. Save your hard earned dollars.
Credit card debt is an unsecured debt. So,it is better consolidate your debt when you are far behind on payment.

Joined: 07 Feb 2011
misaelwade's page
Posts: 10

122 Magic Points

Posted on Thu May 12, 2011 10:52 am  

There are several great reasons to consolidate credit card debt. One of the best reasons is to get better rates. If you can get a better rate on a consolidation than you currently have, then there is no reason not to consolidate. Consolidating credit card debt can add up to substantial savings.Another reason people love to consolidate credit card debt is to make their lives simple. By paying one bill, they can cut out a lot of stress and bill paying time.
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Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1916 Magic Points

Subject: credit
Posted on Sat May 21, 2011 6:08 pm  

You would make just ONE payment instead of several. Also, (as someone said in the above post) you will have a lower payment combining all of the CC's. This way you can take care of all of them and not have to worry about "did I make the payment on THAT or THIS particular card?" Hope this advice helps.

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this is usually tough one. I been in a similar process before and the long and short of it, in my experience, Is that people are who they are and the goal is to find two puzzle pieces that fit together, Not to try and cut and shape the puzzle pieces to ensure they fit. That doesn mean that either party can try to adapt a little to their partner, But you could expect large changes in personality.

Of you is wrong or right here, really. I get his level of view, being in the same spot. If I dealing with responsibility for dozens (Hundreds, probably?) Of workforce, owning a budget, Making tactical decisions, Being held to blame for performance every day, consequently on, Domestic issues or things outside that world tend to seem like small problems and annoyances. I of course don know what he does, But if he has those kinds of tasks and ability to delegate, It hard to flip the switch at home. There a reason he reliable at what he does (i assume).

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