student loan consolidations
Question
Should we do a debt consolidation loan or credit counseling?
My wife and I are both in are mid 20's and like most we are in credit card debt. We have no student loans(thanks to parents), both make a good income, built a brand new house, and decked out are house and lifestyle on credit!(30,000). So now were wiser after all the drama and interest, and not to mention are great credit is shit now so we need help. My father in law said he would do a loan in his name to get a great rate, but we don't want to do that. Our credit is so low now so we don't really know are options? We also refinanced to pay off alot, so thats out to.
3 years ago - 6 answers
Best Answer
Chosen by Asker
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by farran abat
3 years ago
Asker's Rating: 
Other Answers
I am Mr Chris Perry of Alan Loan Company.We goverment approved and certified lenders.Our company do offer loans ranging from personal to industrial loans to interested persons or companies who are seeking financial aid at a negotiable and good interest rates .Why should you die isilence when you have an opportuinity to clear your dept,start up or boost your business with a loan from our company so apply for a loan now. Interested persons should contact us via these email addresses chris_perry555@yahoo.com or noble_lenders@myway.com for more information.
by perry c- 3 years ago
In your situation I would advise credit counseling. A certified credit counseler can help you sort out your finances and advise on the best way to schedule your debt. Go to this website and follow the links. I hope this helps. Good luck!
by Gillian G- 3 years ago
Credit counseling is a term used along with debt negotiation or debt settlement but should not be mixed with them. In credit counseling, you use the services of a professional credit counselor to repay your debt in reduced, monthly payments that you can easily afford. Eligible candidates for credit counseling are people who get harassing phone calls from bill collectors, or whose accounts have been handed over to collection agencies. This article details the best way to work with a credit counselor. Start by looking around a good credit counseling company, and not become a victim of one of the various credit counseling scams that are prevalent today. Do not be misled by any ad that assures you quick fixes for your credit report. This is an impossible promise. Instead search for a honest company accredited to Consumer Credit Counseling Services. Then fix a meeting with a professional credit counselor, and apprise them about your debt situation. Do not omit anything as they will require the entire information to draw up re-payment plan according to your situation.
by See Saw- 3 years ago
How about getting a 2nd job and paying this thing off yourself. A little hardwork for a short period of time would not hurt.
by richkvegas- 3 years ago