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Consumer Credit Card Counseling or negotiation

Consumer credit card counseling services are becoming increasingly popular as more and more people discover their value. Generally, these services are free of charge, just as a first consultation with your bank’s loan officer is free. The consultation is for the purpose of determining just what you need to best service your loan. Even if you decide that a credit card consolidation loan is not for you, you will have learned some valuable information should the day come when you do decide to consolidate your credit cards.

Consumer credit card debt negotiation or counseling is not only educational, it is … Continue Reading

Can’t repay my debts – what could I do?

Just the other day, I was looking through my financial details, and I had a serious think about my situation.

I’ve been in debt for a long time, I’ve always been able to manage it… but more recently I’ve started struggling. And now I can’t repay them.

I’ve spoken to a few friends and told them about my problems, and they’ve advised me to seek advice from a professional before I do anything about it.

So that’s what I did. And I discovered that I could clear my debts by entering an IVA (Individual Voluntary Arrangement). I’d make payments for five years, … Continue Reading