Posted on March 24, 2010 at 3:19 am What would be your best out of debt plan?

Posted on March 24, 2010 at 4:26 am You mean get out of debt plan? That would depend on your debt type/debt amount/account status - capability to repay.

Posted on March 24, 2010 at 4:32 am What would be your best out of debt plan?- credit counseling - if my debt amount is not that high, below $10k and if im still current on my payment - just having a tough time with the interest rates.

Posted on March 24, 2010 at 4:40 am What would be your best out of debt plan?- credit counseling - debt management plan - or you debt negotiation d.i.y. with the original creditor - if my debt amount is really high and I want to somewhat reduce my principal amount before doing debt settlement.

Posted on March 24, 2010 at 5:22 am Speaking of credit counseling - if you are interested  and would want to know how to look for a legitimate agency - there have been many cases of scam companies so watch out - here's what the Better Business Bureau says - -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 24, 2010 at 5:47 am get out of debt plan? - speaking of d.i.y. you can also do a balance transfer - that is if your debt is not that high. If you're not into debt negotiation yourself and you don't want to hire the services of the pros either. But before you agree to a transfer - you might want to read this - questions to ask your prospective bank - 1. Until when is the introductory rate or how long does it last? 2. What is the card's annual percentage rate after that introductory rate expires? 3. Does that introductory rate apply to transferred balances or just to new ones, or both? 4. Does that card have an annual fee? 5. Do they charge late fees and over-the-limit fees? 6. Are there balance-transfer fees?    

Posted on March 24, 2010 at 5:58 am Get out of debt plan - DEBT SETTLEMENT - unlike credit counseling it negotiates your balance and not just the interest rates. this is ideal for cosumers whose accounts are already with the collection agencies. the settlement company would attempt to pull down the total amount of debt to more or less half in 1 year to 3.

Posted on March 24, 2010 at 6:36 am If you're wondering about the fees -Debt settlement companies will  charge15% of the total debt amount  spread over 18 months or take apercentage of the settlement amount (20-25%)

Posted on April 14, 2010 at 9:13 am What would be your best out of debt plan?- DIY debt settlement if you want to avoid any program fees and you feel you have the time and feel comfortable speaking to creditors and collectors on the telephone.

Posted on June 3, 2010 at 12:59 pm I'm following the Get Out of Debt 101 plan from www.GetOutOfDebt101.com . I purchased the book last year but I just found out they are giving it away right now. I will be out of debt in 3 1/2 years (yay!!) But in reality any plan will work if you work the plan. I also have a board in my office where I write down the debts I'm paying off, it helps me keep on track. Hope this helps