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

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www.cambridge-credit.org — As Americans struggle to manage their finances through the economic downturn, many are turning to the debt servicing industry for assistance. Unfortunately, the public routinely confuses the types of services provided by debt settlement and debt management agencies, which differ significantly.Watch this week’s webisode from Cambridge Credit Counseling Corp. to learn more. Host Community Outreach Director, Thomas J. Fox.

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Don’t give me a “debt management” of “consolidation” solution as I will report you as a SPAMMER.

I have already begun the paperwork for Chapter 7 bankruptcy and know it will be a long hard road to fix my credit.

This is for those who have already or are in the process of filing for BK or those who know the process well, ONLY.

Fed law requires pre-filing counseling and a “certificate”. I can do the counseling class online which I prefer. What companies have people who filed BK used for pre-filing counseling and and post-discharge counseling?

AND if you think I can get around the BK with the amazing “debt consolidation company” you are about to mention, don’t… it just shows you haven’t read my question and have no idea what the process is all about. I have no other options but to file BK right now.

And please don’t preach to me about the evils of credit or bankruptcy or how great your loan co or debt consolidation co is. I’m experiencing the evils and just want my life back

Best answer:

Answer by Jill S
I just finished my bk chapter 7 and used Greenpath Debt solutions for my pre bk counseling. They were very good, and let me have the counseling without paying a fee due to my lack of funds. If you want, you can view my q&a page for details of my experience with this. Or feel free to email me with any questions at hansjill228@optonline.net. Good Luck.

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I am so ashamed that I have gotten myself so deeply in debt with two of my credit cards. I am keeping up with the payments and am managing to make more than the minimum payment each month. But, I’m fearful that I will not be able to keep it up much longer. I’ve not used these two cards in about a year.

I am familiar with the Dave Ramsey “Financial Peace University” method of getting out of debt and thought about trying that. But, it seems that I will be paying for several years in that situation.

Is there a better way to go about getting out of debt?
I’ve heard of:
Debt Management
Debt Elimination
Debt Settlement
Debt Validation.

Can anyone explain “debt validation” and tell me if it is any better than “settlement”, “management”, “elimination”?

I don’t think I want to go the bankruptcy route. Has anyone gone that way and let me know if they recommend it?

Best answer:

Answer by mwarrior 1
THe only “validation” i’ve heard of is if you call the creditor (collection agency) and ask them to verify the debt and prove its yours.
If you are making at least the minimums, at least your credit score is fine. What I could suggest is (if your score is still over say 680) apply for another credit card, but one that has a 12month 0% Interest balance transfer rate with no fee (or a capped fee).

With this, transfer your balances to the new card, and dont use the old cards anymore (or use them for like -10/month and pay off). You’ll be saving the interest and can still make the payments you’ve been making. It should help reduce your debt soon.

And no, do NOT close the old cards, as that will bring your credit score down. As long as there’s activity the banks wont close them either (unless they’ve said pay it and we’re closing?). You dont have to spend much, just -10/month and pay it. That will show a “Last activity date” as the most recent date.

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Do credit counseling services really help people or are they merely dishonest schemes out to defraud consumers?

Every business has good guys and bad guys, and the credit world is certainly no exception. To protect yourself from the bad guys, you need to know how to distinguish who are legit and who’s a rip-off.

Illegal credit counseling services have these obvious marks on them:

• They ask for an unusually high service fee in advance.
• They do not have official re

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When it comes to money administration I SUCK at it, I just don’t know to prioritize my responsabilities, I definetaly need help. Does anybody knows of a place or something that can help with the financial aspect of my life? I am no talking about debt consolidation, I am talking about actual classes or something like that. Serious answers only please,

Best answer:

Answer by love_anything_south
At Clark College there is such a course. I would look into your community college and see if they offer such a thing. the class is a one day thing at Clark and from what I have heard it is good!!!

What do you think? Answer below!