What is the best debt consolidation service?

I have a few credit card that are past due and I%26#039;m not able to make the payments.





What is the best debt consolidation company to use?





Keep in mind, I%26#039;m not a home owner.

What is the best debt consolidation service?
Stay away from any that charge a fee.





Most if not all of these companies will trash your credit.





What they do is not pay your creditors for months and then try and settle for less under the threat of bankruptcy. No special skills. They just don%26#039;t pay.





Your creditors do not have to deal with these people because it is your debt.


Also, If they don%26#039;t pay you creditors. You, and you alone are still responsible for the debt. Your creditors will sue you and not the company you hire.
Reply:Whatever you do don%26#039;t use CCCS. I used them and they screwed my credit. All of my accounts that I included in their services went unpaid for 90+ days. Report Abuse

Reply:I am assuming from your answer that you can%26#039;t do this on your own because that%26#039;s what I would recommend first. Have you tried to contact the credit card companies directly? Sometimes they will reduce their interest rate or even consider a partial write-off if you can then make the adjusted payments. (they consider some payment better than no payment!)





If you must go the debt consolidation route, I would only recommend one -- CCCS, Consumer Credit Counseling Services. There should be an affiliate in your area, just do a search on CCCS and your town.city or state. They are the most reputable and have been around the longest. There are lots of scam artists out there who say they will consolidate your debts and then just end up taking a lot of your money and not getting much to the creditors. CCCS does charge you and it should still be a last resort if you can%26#039;t do it on your own.





Good luck!
Reply:if you are a student. i suggest that you take a student loan at a lower rate. seek your local bank for what type of student loan program they offer.





if not, continue to budget and spend less.





or make more money to pay off ur debt
Reply:There are many debt consolidation compnies offering such service. You can apply online also.


Here are some best,





http://debt-relief-free.blogspot.com/