Posted on February 23, 2010 at 1:37 am Would you know of stimulus help for credit cards?

Posted on February 23, 2010 at 3:51 am Would you know of stimulus help for credit cards?- from the government you mean? Unfortunately there is none, however there are debt relief programs out there - thatcan help you with your debt - especially if they are mostly unsecured.

Posted on February 23, 2010 at 3:56 am Would you know of stimulus help for credit cards? - are you experiencing hardship, are you a service member, ... I'm not sure about stimulus butthere might be government aid for your situation here http://www.usa.gov/Citizen/Topics/Benefits.shtml

Posted on February 23, 2010 at 4:21 am As mentioned by Desmond, stimulus help for individual consumers with credit card debt problemsdon't exist, the stimulus package was for businesses - mostly the banking/lendingsector.

Posted on February 23, 2010 at 5:59 am Speaking of debt relief programs -If your unsecured debt is worth $10,000 or more, you can do debt settlement. Theprogram is about reducing your balance to more or less half - after it's charged off.The program would help you save funds to negotiate with the creditor (if it hasn't yet charged off) or collection agency.

Posted on February 23, 2010 at 6:03 am Debt settlement is considered a very good alternative to bankruptcy.A bankruptcy impacts the credit negatively. A chapter 13 stays on the reportfor 7 years and a chapter 13 for 10 years. Although debt settlement stayson the report for also 7 years - it doesn't appear in the public records likea bankruptcy would. Why does this matter? Although according to the lawconsumers who have gone through bankruptcy should not be discriminated againstgetting a loan, a job, a lease, promotion, etc ... you never know with the lenders..it's not as if biases can be measured ..

Posted on February 23, 2010 at 6:06 am Re: stimulus help for credit cards -  a debt settlement program would costyou 15% of your total debt amount or 20-25% of the settlement amount.Don't forget to ask about their fee structure so you won't be surprised with howthe program's going. Some settlement companies accept payments and apply those fortheir fees first - rather than pay the creditors right away. That's not a bad thing ..sohave them explain it to you. When you call a company - get your pen and paper ready.Jot down everything and then compare later.

Posted on February 23, 2010 at 6:08 am Speaking of debt settlement companies - if you are looking for one, or just want to inquire,just fill out  form here at destroydebt.com and speak with a debt consultant for free.And here's a guideline of what to look for in a company --The settlement company's program must have a fast completion time. 12-36 months.-The program must be able to protect and improve the consumer's credit standing.-Must be a member of the Better Business Bureau, BBB, for at least 5 years.-Must also have a good standing with the Chamber of Commerce-A Member of TASC - The Association Of Settlement Companies and the IAPDA or theInternational Association of Professional Debt Arbitrators