I do not need lecture and I do not want explain my situation because its complicated. Please do not judge me. All I need to know is if I use a debt consolidation program and it doesn’t work can I file bankruptcy.
Thanks for your answers!! I was scarred to ask because you see so many people making rude comments whent they do not know the entire story. THKS

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How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

Technorati Tags: debt consolidation program, debt settlement program, reputation

I have about 23,000 in unsecured credit card debt. I recently lost my job and had to take one making a lot less per month. I went a debt consolidation program that got my payment down to about 700.00 per month. The problem is i am only bringing home net about 1200.00. I then have a mortage utilities and insurance etc so i am running in the hole. Is debt settlememt a good alternative. I do not want bankruptcy . I know settlement will hurt my credit score but at this point I need a way out. I have heard that settlement companies make you hold off on payments and the credit card companies will keep hounding you? Is this true? Does anybody have a suggestion to my dilema

Technorati Tags: bankruptcy, bringing home, credit card companies, credit card debt, credit score, debt consolidation program, dilema, insurance, job, settlement companies, suggestion, unsecured credit card

How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

Technorati Tags: debt consolidation program, debt settlement program, reputation

How do you know which debt settlement or debt consolidation program to choose?

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I have been accepted in to a great university and I am unable to work full time and go to school. Can I file bankruptcy in order to afford school. I am in a debt consolidation program currently with Consumer Credit. Any advice would be great.

Technorati Tags: bankruptcy, consumer credit, debt consolidation program, full time

How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

Technorati Tags: debt consolidation program, debt settlement program, reputation