Posted on March 1, 2010 at 1:16 am Hi recommendations please - Alabama debt consolidation, thanks!

Posted on March 1, 2010 at 2:13 am Oh hi, sorry I can't recommend a debt consolidation company in Alabama - but whatI can do though is give you tips as to what to look for in a debt consolidationcompany - wait...are you looking for a debt consolidation company?

Posted on March 1, 2010 at 2:50 am Just to add to this Alabama debt consolidation thread - I thought it'srelevant to state Alabama's Statute of Limitations on debt collection:Open accounts: 3 years/Contracts under seal: 10 years/Contracts not under seal; actions on account stated and for detention of personal property or conversion: 6 years/ *once the SoL on a debt is up (expired)the consumer can use it as a defense against any legal action that the collectionagency may bring up against him-her

Posted on March 1, 2010 at 3:48 am If you are talking about debt consolidation - credit counseling - Debt Management Plan - - whether you are in Alabama or not - here's a guide for you on how to choosethe right credit counseling agency - -Before you select a credit counseling agency ask for information on the following:-Are the agency services confidential?-Will they devise a plan tailored to fit your needs?-Are the counselors certified?-Are budget and credit education opportunities offered?-Will your funds be protected? How?-Is the agency accredited?-Aside from BBB membership (www.bbb.org) the consumer should also check its affiliation with the National Foundation for Credit Counseling  http://www.nfcc.org.

Posted on March 1, 2010 at 4:24 am Debt settlement can also be considered a debt consolidation service. Butinstead of negotiating the interest rates - it would negotiate the balance itself -granted that the amount of debt is high - $10,000 and above - and the accountsare mostly past due.

Posted on March 1, 2010 at 4:26 am That's interesting, you just described my situation pretty much ...thanks!How much would it cost me, and really..I need for you to recommend me a company - 'cant help it if I feel wary just typing it on google and taking my chances there..

Posted on March 1, 2010 at 5:03 am Hi, sorry I can't recommend a company but here's a guideline as to what to look forin one - -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