DMCC featured on Close-Up TV NEWS

Duration : 0:9:50

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Technorati Tags: Budgeting, cards, consolidation, credit, debt, Finances, Identity, Mortgages, Non, profit, scores, Theft

Ways to consolidate credit card debt include using balance transfers and contacting a credit union or bank for loans. Condense credit card debt, but read any disclosures regarding balance transfers, with advice from a certified public accountant and credit counselor in this free video on debt management.

Expert: Jerrie Guthrey
Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992.
Filmmaker: Jack Guthrey

Duration : 0:2:49

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Technorati Tags: bankruptcy, credit bureaus, credit card, credit counseling, credit report, debt, debt consolidation, loans, money

I just entered a debt management program to get control over my credit card debt. I have done this seperate from my husband. Only my credit is affected. Just after I entered into the program, my husband started showing interest in a home equity loan to consolidate our debt (his credit card and vehicles) and do home improvements. In our marriage I am responsible for my own debts, but I am wondering if being in the DMP will affect the chances of us obtaining the Home eq. Loan. Serious educated replies will be very much appreciated.

he can open equity line of credit only in his name and this way your credit report will not affect his change to obtain the loan or you have to get this loan fast- before your debt consolidation program will show on your report. most lenders treat debt consolidation program like bankruptcy chapter 13, so it is mean- they don’t like see this very much.

So I am thinking debt management or debt consolodation would work better then bankruptcy, but my husband did debt consolodation about 5 years ago, and we were told it looks as bad as a bankruptcy. It actually negatively effects your credit. Is this true with all the companies?

It is just as bad as a bankruptcy, as far as credit reporting goes…

Avoid it if you can…

Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips from a certified public accountant and credit counselor in this free video on debt management.

Expert: Jerrie Guthrey
Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992.
Filmmaker: Jack Guthrey

Duration : 0:4:21

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Technorati Tags: bankruptcy, credit bureaus, credit card, credit counseling, credit report, debt, debt consolidation, loans, money

Well we are in the hole for money so we go looking for trouble. First, we try to extort some farmers for their grain by saving them from raiders, but get a case of the boo-hoo’s before we can ride out with their loot. Then, we resort to begging the King who only gives us a job. Then we take to robbing farmers! Shame shame shame.

Duration : 0:10:47

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Technorati Tags: and, blade, let's, Let's Play, Let's Play Mount & Blade, M&B, mount, Mount & Blade, play

Can you tell me who owns and runs the collection agencies and debt management programs? Are they owned by the banks and credit card issuers?

I can buy an unpaid contract from anybody and then try to collect on it. That’s what the "or successors" means in the agreement…it can be transferred to somebody else.

A lot of times the owner is a lawyer, because he doesn’t have to hire a lawyer to take you to court; he can do it himself.

I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?

The Credit Counseling company will probably get you a better price in the long run because they will negotiate a lower rate than you can. But, you are being charged a very large amount of compounded interest on every dollar that you owe them for every Month that the amount is owed. Let Mom and Dad help IF the interest rate and terms are better than you are currently paying the credit card companies. And, if you can afford to pay all of your bills iccluding that payment. Remember that the credit counselor is making money on you, they will not always counsel you to your advantage.

http://www.caprocessing.com – Video promoting the debt management services of CA-based CAPC Debt Management. Get a free debt quote online.

Duration : 0:1:35

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Technorati Tags: debt

We are about to begin a debt management plan through CCCS. One of the first questions on the application is do you have over $1000 in medical bills. Why do they ask this? Will they help with these bills?

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