Ever used a debt help program thing?

[JohnCU]

I filled out some survey looking for a debt consolidator and got a call from someone at 123bedebtfree.com it apparently looks "promising" but it sounded like a scam, and its a non-profit organization but the guy sounded sketchy so i'm not sure...

 

[huberm]

did it once, do not recommend it.

it will still screw up your credit, you're better off doing bankruptcy if you're really in trouble.

 

[xochi]

Just because they are nonprofits does not mean they are not scams. The shady ones replace the fees with manditory "donations".

 

[JohnCU]

Originally posted by: huberm
did it once, do not recommend it.

it will still screw up your credit, you're better off doing bankruptcy if you're really in trouble.

not in trouble, just wish i had lower interest rates.

 

[Bateluer]

Try www.powerpay.org. Its free and a very handy tool for organizing your debts and prioritizing where to throw the bulk of your debt payments. It also calculates the fastest, and the cheapest, route to paying off your outstanding debts.