What is the best way to settle credit card debt?

I am in search of a company or method that will allow me to settle or consolidate my credit card debt. I have researched some companys but I am not sure what is real or a scam. Fidelity debt solutions is one of them. Has anyone had any luck with any of the debt consolidation programs or debt settling programs? Let me know. I need help.

What is the best way to settle credit card debt?
Try calling the credit card companies especially if u are 90 days late on the payments. Ask them if they will take %26#039;payment in kind%26#039;. This means if u owe 2000 they may take 1200 cash. If they agree tell them to send u the paperwork which should state they will not report you to any of the credit bureaus. Then send them the agreed upon amount via certified mail. If they wont do that ask them to lower your interest rate. Most will do that.
Reply:I work for a company that helps people out of debt without consolidation loans. It helps you pay off your interest based debts in 1/2 to 1/3 the time.





Go to this website and get a free analysis done to see if you qualify and see how much interest you can save.





www.moneymerge.designingfutures.tv





The analysis won%26#039;t ask for any account numbers, social security information, and such so no worries.





Also the company is rated highly with the Better Business Bureau, articles in leading magazines has been written on the company, and the company won the Ernst %26amp; Young Entrepreneur of the Year Award for its Region in Financial Services and is up for the national award in November.





Check it out before you try anything else.





If you go the debt consolidation route be careful there are a lot of cmpanies that will end up hurting your creit or worse in debt.
Reply:You can find a CCCS near you thru this site: http://www.nfcc.org/.


They have debt management programs available for a nominal fee. They don%26#039;t negotiate settlements of your debts but they do negotiate lower interest and payments so you can pay off your debts.





You want to avoid settlement companies. They take your money every month and let all your accounts go 90 days past due. Then the offer lowball settlements under threat that you will file bankruptcy. Not only does this trash your credit, but many credit card companies refuse to play and will immediately sue you. The settlement company won%26#039;t represent you or assist you in that lawsuit either.
Reply:There is only one that is financed by the creditors with no cost to the applicant and is non profit. That is Consumer Credit Counseling Service or CCCS. Look in your phone book or the phone book of any larger city and contact them to see what Information they need from you to do an analysis of consolidation or settlement





Many of these companies make 10% on your money and never loan you one cent. In many States they are outlawed but can operate through the mail only.
Reply:Many debt settlement companies end up ruining your credit and taking you for THOUSANDS of dollars in the process.





Check out the book %26quot;The Total Money Makeover%26quot; by Dave Ramsey. You can usually find it for $10 or less.





http://www.amazon.com/Total-Money-Makeov...





Our family has totally transformed our lives and are now free of credit card bills and other loans. It was a simple, common sense solution. You%26#039;ll be glad you did it!





Thousands of dollars vs a $10 book? No brainer! It really works!





Great question. Good luck!
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don%26#039;t worry there are online sites which solves your debt problem by getting you enrolled in online program and the entire process can be handled from the comfort and convenience of your home or office.you can always speak with one of helpful account specialists who are standing by to assist you with any questions that you may have. thanks.