Do Your Own Debt Consolidaton And Save! Know Exactly When You Will Be Out Of Debt, And Sooner Than You Think. No: New Loans, Credit Checks, Monthly Fees, Discussing Your Situation With...
I am about 4 thousand dollars in debt. They were originally hospital bills but have been forwarded to the collection agency. They are about a year old now and as much as I don't want to pay them I figure it's better to get it over with now and not let it remain on my credit. I was looking to consolidate my debts. The hospital bills are sent to 3 different agencies so I want to consolidate it and perhaps lower it (I've heard things about that but I don't know how it works.) I was curious about the process, trusted companies. I have a max of 60 dollars available p/ month. Come on people, give me some answers. I wish there was something I could do because I was on medicare until I was 18, now 21 and somehow in debt. If someone knows some alternatives to actually PAYING then feel free but right now I'm looking to reduce and simplify my debts
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Debt Consolidation
seanmick
#2 (permalink)
Junior Member
Re: Debt Consolidation?
I have a couple suggestions for you. First, you should get a debt consolidation quote from a reputable Debt Consolidation Services Company. You can find one in the phone book, or you can find a bank that offers this service.
They will loan you the money to pay off your debts, aggregate your debts, and then charge you a fair interest rate. A lot of times it is slightly less than your creditors will charge you.
Second, you should inquire about your state's basic health insurance, if you don't have an employer sponsored plan. This can save you a lot of regret.
Best regards,
Tango
Tango
01-28-2008, 07:03 AM
#3 (permalink)
Member
Re: Debt Consolidation?
If your credit is already shot you could file for bankruptcy I bet you would qualify for unexpected medical expenses and since you are young and are fairly new to having any credit you'll bounce back faster.
I honestly would not pay the debts since they are 1.5 years old. After 2 years they have less of an impact on your credit score; if you settle them now you're going to take a big hit on your credit probably until they are 2 years old again.
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Heavenly Father,
Hallowed be your name, your kingdom come
Your will be done on this Earth as it is in the Heaven
Give us today our Daily bread
Forgive us our debt and sins
As we have forgotten our debtors and sinners
Lead us not into temptation
But deliver us from the evil one
For you are the glory and the power and the kingdom
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