Happy Holiday’s from Freedom Debt Management
Debt Management Program the right way to go?
We are drowning in debt. So far we have managed to get our MINIMUM monthly payments out each month but we are getting no where. Would a debt management program be a good option for us? What exactly is it? Where do I find a reliable one to work with?
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The staff at Freedom Debt Management wants to wish everyone a happy holiday season.
Let’s discus about debt management
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This entry was posted on Tuesday, November 24th, 2009 at 4:53 am and is filed under Debt Management. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
18 Responses to “Happy Holiday’s from Freedom Debt Management”
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Check this site out it gives you companies that best fit your needs. Type of debt, amount, etc. see if they help you out.
http://www.ez-credit.info
Good job!
Just one little correction. Te seven years that you referring to applies to the date of first delinquency (DOFD) not when the consumer talks with a collection agency (CA) or acknowledges the debt. That appears in the FCRA
If you get off of a DMP they stop paying the creditors. Unless you make specific arrangements with each creditor and pay them you will now become past due on your accounts again. Because of this the interest and late payments will start to be added again, and they will make collection calls to you.
You can always get back on a DMP, unless the creditors have sued you in court. Also if the creditor sold your account to a collection agency, these agencies may or may not participate in the program.
Since you say you "hardly" have any money left after your bills and this payment, it might be good to just tough it out. One thing you may want to do is take a very hard look at your budget. Determine what is essential and what is optional to see if you can free up some money. If you do a lot in entertainment(such as going to movies or eating out) you may have to stop those for a while.
One last option is to consider bankruptcy. It will effect your credit for a while, but if you practice good credit managment after the bankruptcy it can help.
Thanks. You do make a great point! We will do a video on the FCRA. We really appreciate the comment
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It is just as bad as a bankruptcy, as far as credit reporting goes…
Avoid it if you can…
We need more financial education in our schools. It’s amazing how little we know when we graduate. What could be more important than learning money management?
Make sure you have the skills, contacts and start-up money.
Establish a place of business and start advertising.
Best thing would be to map out the whole thing up front. You'll need to know permit/license needs, employer requirements and other general business details. There should be a lawyer in your area that can assist with applications.
Champ2685, I live in Florida you can find me. But please be advised, there are “internet stalking” Laws. Also, you don’t know me, or what I know. If you seek me out, you better bring a couple of friends, because I intend to defend myself.
We are not concerned about the quality of the videos. we are here to help people. I know that really pisses you off, but we don’t care.
In the mean-time, if you want to fight me, email me with your request. Loser.
Yeah debt collectors are all good people…except when they are harassing you. You want to know my experience? I had collectors calling me about debts that weren’t mine, and only because I happen to be the current owner of the phone number. They didn’t believe I wasn’t the person, would ask me “When am I going to take care of my debt”, call 5 + times a day; and break the law by revealing someone elses information to me.
Debt collectors are not nice.
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.
It's actually a good thing because it shows personal responsibility versus non-payment. Credit wise it helps because you make payments on time. What can hurt you is your present credit rating if it is low. But that also depends on whether your company checks that and how it ranks that information. Your focus should be on a good interview highlighting what you bring to the company.
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.
both of you just ignore euch other- your wasting everyones time- mostly your own.
Champ is a loser for starting it- so what? delete him and flag him for spam. move on.
the more i watch this lame cheep video the more i feel like coming to where ever you are and punching you in the face.
please stop telling people false info.
you should be charged with misrepretation, you are giving people the wrong impression.
noticing that you also mentioned thta we call neighbours…true we do but we wouldnt have to if you just picked up ur phone or called us back
bynddrvn5; Thanks sharing the truth. If people owe the debt they should pay (we agree). But you have made our day, by shedding the light on what is happening all over America! Knowledge is power. Peace. ~ J.
well, I don't promise anything but
people in debt often seem to find some help here :
http://credit-cards.ebookorama.com
and here http://finance.ebookorama.com
good luck!
I think the debt collectors are getting worse. A couple of weekends a month, I volunteer for a financial advice group in Los Angeles. Some of the tactics, I have seen in the past few months are disturbing. I have no problem with people collecting debt owed them, but I have seen several cases where there was some billing error. We faxed docs showing the debt was paid and the collection agency refused to cancel the debt? Knowledge is power, keep up the good work!