Hi. I am totally new to this whole thing but my debt overall (with credit card/ auto loan) is about 25k. I DO NOT own a home ( i rent).. is it possible to still get a debt consolidation without owning home? And how do I go about finding a real, legit debt consolidation company ( not a fraud one) with low interest rates? Does anyone want to recommend for southern california? thanks so much

Dear Members and Guests, We have introduced a new point system in our forums, which will enable you gain some post for every new post or reply. It will also enable you to donate some points to the helpful posts (and thus to helpful member). We will decide the winner on the basis of debtcc points every week. More details will be posted here within next week. This coming week we want to try the points system for bugs and other problems. We expect your feedback in improving the systems.

Hi to all my friends of debt consolidation care, We thank you all for your help and support, your active participation has inspired us to introduce more features for our member community. This time it is a chat room, have a look at have a look at it and let us know your feedback. Our site has only one username and password through out so you can login to the chat room with the same username and password. If you need more features under chat please update this thread with your suggestion.

I am a 75 year old senior citizen. I have 8 credit cards with a total balance of $84,000. I am behind on all of them. I do have approximately $100,000 equity in my house. I don't know where to turn. Any help would be appreciated.

Hello, I recently moved to a lower priced area and make really good money however I owe about $50K in School and credit card debt's, Whats the best way to consolidate all loans with out hurting my credit?

I know how both work but which one is worst for your credit? I would think settlement would be worse becuase you're not paying the full amount...while in a debt consldiotion you are. ALso. In debt conslitiaton, is there a pre payment penalty? Meaning...can I pay MORE than the agreed upon monthly payment. (I might win the lotto soon, example)

Ok, so here is my issue. I have 8 credit cards. 4 are the regular (visa/MC) and 4 our store cards (gap/jcrew.) I am a total of roughly $8,000 in debt. My problem is that I have a hard time making minimum payments on 8 cards. I need to get them all onto one card, or consolidate them as best as possible. last june/july I was unemployed so I missed a couple of payments and really screwed up everything. I am still over my limit on a few of the cards because of it. So now that my credit score is tarnished, I can't get another card with a high enough limit to transfer all of them onto.

Hello, I have a need to consolidate some credit card bills and have been seeking options. I have two credit cards with a high balance and wish to consolidate them at a lower interest and monthly. Currently I do not have creditors hounding me but, at this rate it will not take long. I have talked with several loan sharks who wish for me to re-mortgage my home and use the equity value however; they want to loan me more money than what I need to consolidate. We own our home mortgage free and really do not wish to place a lien against the property only wish to consolidate and lower the i

Hi, I really need to get rid of my debt (don't we all!) Anyway, I was just about to sign up with a company before my boyfriend said to me that I don't want to sign up with a place that is going to settle with my creditors, for it will look bad on my credit. He said I want a place that is going to pay all my balances in full, and then I pay them back. Can you tell me how I find out companies that will pay my balances in full, or any other insight about this issue? I am just really confused now about what to do!

I am sure that many of you have heard recently that a database for DSW shoes had been hacked. Well, originally they thought the problem only affected 100,000 customers. Well, now the company realizes that the breach affected 1.4 million people in all of its stores. These thieves obtained critical information. This information included: credit card numbers, driver's license numbers, and bank account numbers.