Consolidate your debts

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Want to refinance ?

Find everything here you need to do so.
Debt consolidation, refinancing : follow the links or do you own search.

How to improve my Bad Credit Score ?

Is your credit good enough to get a low-interest credit card ? Sometimes, they come with 6-months free of interests charge if you transfer your old balance. It helps, since 6 months of fees may worth 500 $ on a 5000$ debt (20% int. Credit Card).
Even if you keep your actual card, you may take it as your main challenge in 2007.
  • Make a budget and follow it.
  • At the end of the month, split your money between your debts and your bills. DON'T GET LATE WITH YOUR NEW BILLS.
    A s soon as you have some over, put some money in a savings account.
  • If it's impossible for you to pay all your current bills(basic monthly), you may have to lower your expenses, your lifestyle. Less restaurants, more home food. Believe me, it works.
  • Having some money on the side prevents you from borrowing money - and paying some fees.
  • Target long-term.


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What to do if a Colletion agency calls for an old Credit Card debt ?


1- Contact the credit card companie - not the collection agency.

2- Explain that you think you may still have an account there and would like to clean it to avoid further troubles.

3- Ask how much is the capital and how much in interests. End your call and say you'll call back in an hour.

4- Call back and offer them to pay back 50% of the debt today, in cash, in any bank they want to. And that's your final offer, as other creditors want your money, you say. It's them or the others.

5- When at the bank (or just before transferring the money), ask them to send you a fax with the offer to clean your account for 50% of the amount. Tell them to prepare a debt acquittance.

6- Once received the fax, pay.

7- Ask the credit card company to send you a fax with a debt discharge (acquittance).


Job Done !


Why cut the bill in two (2) ?

They should have hired a collection agency to get paid. You save them time and money !
Good luck !

 

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