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Debt Counselors and Consolidation Questions
Total questions: 412
How do you choose a debt consolidation company?Popularity: 422
Should you hire a credit repair company?
Popularity: 281
Can you can make a payment arrangement to stop garnishment of wages?
Popularity: 271
Should you get credit counseling?
Popularity: 242
Should you arrange a debt repayment plan?
Popularity: 240
Should you do a credit card consolidation?
Popularity: 212
Should you use a company to help settle your debts?
Popularity: 175
If you use a debt consolidation program or company to lower your monthly payments does this affect your credit?
Popularity: 159
How do mortgage companies regard people in debt management programs who want to buy a second house?
Popularity: 116
Should you consolidate your debt through a second mortgage?
Popularity: 113
What is the best way to consolidate debt without it affecting your credit score?
Popularity: 112
Are there any debt consolidation companies that are trustworthy and will not rip you off?
Popularity: 109
What should you do if you are deep in debt?
Popularity: 109
How do you choose the right debt consolidation company ensuring that you will not get ripped off?
Popularity: 104
How does settling debts for less than the full amount affect your credit?
Popularity: 96
What education or training do you need to become a credit or debt counselor?
Popularity: 94
What is the average minimum credit score required for obtaining a consolidation loan?
Popularity: 94
After consolidating debt how long does it take to see an increase in credit score?
Popularity: 94
Is it true that using a debt counselor will have a negative impact on your credit?
Popularity: 92
If you use MBNA Cleansweep for 10K debt but need a co-applicant can the co-applicant's credit be hurt?
Popularity: 89
When a debt consolidation program is paid off will it make your credit score higher?
Popularity: 89
Can you file bankruptcy after you have consolidated most of your debt?
Popularity: 87
Is your balance on a consolidation loan calculated based on outstanding balances or revolving credit?
Popularity: 87
What will happen if you can not make the payments to a debt consolidation program?
Popularity: 86
Who do you talk to about stopping wage garnishment?
Popularity: 84
Are debt consolidation loans a good idea?
Popularity: 83
Is bankruptcy or consolidation better for your credit?
Popularity: 83
If you make a payment on a loan and you still owe more on that monthly payment can they refuse payment and what happens if they return your payment because it's not enough?
Popularity: 81
If you use a debt counseling service that consolidates your debt for you can you still make payments to your credit card company directly?
Popularity: 78
How do you clear up debt?
Popularity: 78
Does it make sense to consolidate your debt if the interest rate is going to stay the same?
Popularity: 76
What's the difference between a debt consolidation loan and debt counseling services?
Popularity: 70
Does it make sense to refinance your mortgage at a higher rate for debt consolidation?
Popularity: 68
Can your credit be damaged by paying less than what is due on time?
Popularity: 67
How long will it take you to pay off your debt consolidation?
Popularity: 66
Does debt consolidation affect your credit score?
Popularity: 65
Is there a time limit on recovery on bad checks?
Popularity: 64
What if you can't afford your debt consolidation payment?
Popularity: 62
Does Income Contingent Repayment include any initial down payment prior to income calculation?
Popularity: 60 | Needs Answer
How can one protect oneself from a manic depressive spouse who has maxed out credit cards and a inability to pay them and is divorce the only way?
Popularity: 59
Can a loan be forgiven if it has been consolidated?
Popularity: 59
How does credit consolidation in which a company negotiates a lower interest rate and not a lower balance affect a credit score?
Popularity: 57
In the state of Nevada are family members responsible for paying the debts of their deceased father?
Popularity: 55
What is needed in order to sign up for credit counseling services?
Popularity: 55
How much will debt consolidation cost you?
Popularity: 54
Is there a legal time frame to collect a charge off debt that has been recently acquired by a second party from the original creditor if the charge off is 10 years old?
Popularity: 53
Will using a credit counselor help or hurt your credit?
Popularity: 53
How do you write a hardship letter regarding medical bills?
Popularity: 52
Can you use a debt consolidation company if the credit card companies have already sold your accounts to collection agencies?
Popularity: 49
Can a collection agency sue you if you're enrolled with a debt settlement group?
Popularity: 49
Is it legal if the electric company found a final bill from 02 when you transferred service to a new address and reported it as a charge off and added the amount to your regular bill and won't remove?
Popularity: 49
Will credit counseling show up on a credit report?
Popularity: 49
If you faithfully paid off credit card debt over 7 years through an agency like Credit Guard of America will your credit still be bad?
Popularity: 46
What are the requirements to become a debt counselor in New York state?
Popularity: 45 | Needs Answer
If you use credit card counseling services to pay off debt how does this affect your credit?
Popularity: 43
How do you report unethical callers?
Popularity: 43
Where would you find a person who would review your financial situation and make concrete recommendations to help you get out of debt?
Popularity: 43
What do you do if you are enrolled in a debt relief program but still cannot handle your monthly payments?
Popularity: 42
Can a collection agency lie to obtain information?
Popularity: 40
What should a 19-year-old girl do if she bought a car with a very high interest rate a year ago and she can't afford the payments and the amount due on the car is more than the car is worth?
Popularity: 37
If you owe 20000 on an SUV worth only 15000 at 16 persent interest and your credit score is 5.5 and you're 62 would the smartest thing for you to do financially be to just voluntarily return the car?
Popularity: 37
How long does it take for a financial judgment to become part of public record in New York State?
Popularity: 32 | Needs Answer
Can a 10 year old debt still be collected in South Africa?
Popularity: 31
Can a creditor take your federal or state income tax refund to pay a judgment?
Popularity: 29
How do you decide between a 125 no equity loan or a debt counseling agency to consolidate your huge credit card debt?
Popularity: 29
How do you start an honest and reliable debt consolidation and counseling company?
Popularity: 26
What can you do if you have a closed electric account with a balance and you have made monthly payments but it has been sent to a new collection agency and they are requiring larger payments?
Popularity: 24
Is it legal for a business to display bounced checks?
Popularity: 21
If you want to refinance your home to cover your debts that weren't covered with your bankruptcy do you want a refinance or debt consolidation?
Popularity: 21
How do you eliminate debt?
Popularity: 20
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