Loan, Mortgage, Credit Forums and Payday Loans Resource

Just had a major surgery and racked up some major credit card debt while being out of work. Just looking to see where I could start now that I am going back to work.

Do these services negatively effect your credit? If so, for how long?
Are there any major pros to these services?

My mom is paying ,000 a month in credit card bills. She is a retired school teacher and cannot afford this. Please do not judge, she us paying these bills off for my brother who ran up credit cards. Thank you

I’m considering going to one of those credit counseling/consolidation things so they can help me figure out how to lower my debts and pay them off. I’m ,000 in the hole. I’m not behind on my bills but if I lost my job I’d be screwed. Does doing this hurt your credit score? My score [...]

I am preparing an article on what people know about Consumer Credit Counseling. I was wondering what people know about it or think about it.

I am looking to consolidate my debt, its around 00, excluding my school loans, which are deferred since I am still attending school. Where can I go to get things straightened out? I have around 00 in medical bills and 0 in a wireless bill the rest are credit card bills. Is there anything I [...]

I am deep into debt and cant make minimum payments. I started to go through CreditSolutions.com but that was a month and a half ago and Ive seen no results. When I did some more research on them I found a lot of negative things. I also found people suggesting Consumer Credit Counseling Services which [...]

I am in credit counseling in canada. I am in a position to pay off my credit counseling and I am wondering if I should pay it through the credit counseling or pay the credit cards directly. ( I prefer to pay them directly as it is a large amount of money)

She has several credit cards, all but one in default for more than 90 days. They have all gone to collections. She also has a large amount of student loans and is current on these. No other debt - she rents and doesn’t have a car. She has a job but is currently completely broke [...]

I need to improve my credit & am in about ,000 in debt. Bankruptcy or credit counseling services?