Debt Management Advices

Looking for a Debt Management company?

Over time i have accumulated large credit and personal loan debt that i am really hurting from today. In the past 6-12 months i have been making minimal payments on all the credit cards on time. The interest rates are high on the credit cards between 19-30%. I contacted serveral debt conslidation firms that told me that i would need to be late on my payments before they can help me. Can anyone recommed a non profit debt managment firm?

Public Comments

1. I would recommend contacting consumer credit counseling. I would also recommend Dave Ramsey's site. I've worked with both and they are very helpful.
2. Go talk to your local credit union. The debt management companies are making money off selling you a loan; that's all they care about. Credit Unions are owned by the members and can be much better about taking care of people. You might, just for asking, be able to get the interest rate reduced. You're doing a lot better then most people by not being behind on your payments; you still have decent credit.
3. americancredit.org
4. I have been using Consolidated Credit Counseling Services Inc. its a nonprofit educational credit counseling and debt management organization. They are pretty good; I started 2 years ago and I am almost finished paying all my debts (need 2 more payments). here is their info: Consolidated Credi Counseling Services Inc 5701 West Sunrise Blvd Fort Lauderdale, FL 33313 1-800-210-3481 www.ConsolidatedCredit.org
5. There are many good companies you can make someonline search to find them in your area. Non profit debt management firms are very less they also arrange for grants. To know more you can visit http://www.debtconsolidationmanagement.blogspot.com and http://www.hstrial-tgeorge1.homestead.com