Debt Relief & Management Tips : How to Apply for Free Government Grants, Loans, & Scholarships

Are the debt relief programs for real or just a scam?
I owe $50M in credit card debt. Can I negotiate a settlement myself just as well as the debt relief companies advertising all over the media?
Are they for real or just a scam?

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Freedom Debt Relief – KRON4 TV Interview with Brad Stroh

I currently have a little less than $3800 in debt. What would my best debt relief plan be?
I am looking for possibly a consumer credit counseling or debt relief program. Have any of you used one? Who would you recommend?
Because of this, my credit rating is unbelievable low and taking on a new credit card or debt is not an option.
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Debt Relief & Management Tips : How to Stay Out of Debt

How badly does debt relief (not consolidation) hurt your credit?
I've heard that debt relief is almost as bad as a bankrupcy- is this true?
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Mortgage Forgiveness Debt Relief Act of 2007

I was just wondering if anyone knew of a good dependable debt relief company?
I need some help on credit card bills. i need to know if anyone knows a good and reliable debt relief company that could help me throught this.I live in Murray utah.
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Debt Relief & Management Tips : How to Get Out of Debt

What is the best method for consumer credit card debt relief?
We started a program with "Consumer Credit Counselors" This progarm has us pay the Consumer Credit Counselors, then they pay the credit cards every month. All they do is lower some of the interest rates. They don't negotiate amount owed. The payments are too high for us, so we looked into other alternatives. We found one company that will do it differently for less. They have you pay into an escrow account, and they pay off each credit card individually. They say they negotiate lower balances and interest rates. The payment would be lower and the payoff time cut in half. Does anyone know of any reason we shouldn't do this? Are there any other better ways? WHAT IS THE BEST WAY TO GET CONSUMER DEBT RELIEF with no loans?
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Debt Management: Credit Boot-Camp™ The Truth About Unsecured Debt

Will a Debt Management Plan have an effect on my credit rating?
Hello All,
Will a Debt Management Plan have an effect on my credit rating?
please share your opinion for my question.
Thanks in Advance.
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Your Money: New Debt Management Rules

Can you keep your credit card accounts open after using a debt management service?
Just wondering if anyone has used a debt management service and knows if this is possible. I know they set them to automatically close when they are finished, but does anyone know if you can contact the credit card company and ask them to leave it open once it is paid off? The reason I ask is because I know it is better for your credit score to have accounts that are a few years old open, with available credit, rather than closing them when they are paid off.
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Debt Settlement vs. Debt Management

How to pay off credit cards enrolled in a debt management program?
I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?
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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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Debt Management : How to Stay Out of Debt

what are the disadvantages to using a debt management company?
I have credit card debt that I am considering using a Debt Management Company. Any thoughts?
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