Does anyone know of a legitimate debt management/consolidation company?

Question

We are in debt and I don't want to file bankruptcy. After all I created the debt so I should pay it, but I also do not want to keep paying the minimum amount due for the rest of my life. I'm thinking of trying credit counseling and debt consolidation. Does anyone know of a good company? I tried my local credit counseling center that is through the government and they were rude and inattentive. I am in the United States. Thanks for the advice.

Answer 1

Try talking to your debtors first. You will find that is where you can get the best savings. However if they are being difficult , at least go with a service that is with the BBB. The link below will even give you a free consultation.

Answer 2

Here is the source of a debt consolidation company named http://ezconsolidation.com for your reference who can help you to plan and pay off your debts. Will also help negotiate your debts with your creditors to reduce your debts.

Answer 3

Go to Daveramsey.com and use his program.  You will be glad you did!

Answer 4

The first thing I would try to do is talk to your creditors yourself and see if you can reduce how much you owe. Some allow you to reduce it by 40%.

Explain to them that you want to repay the debt but can't afford to pay all of that. You have to tell them that you are very close to filling for bankruptcy. If they sense that you are really close to defaulting on debt, then they may work something out since it's better than nothing. The most important thing is to get everything in writing! Don't just take their word for it.

If it doesn't work out with debt consolidation, you can try calling up a debt settlement company, advantage debt settlement 1-866-925-0991. Ask for Bradley or Brian.