Can I negotiate my medical bills

Can I negotiate my medical bills? If you are in collections on your medical bills you can negotiate them down. You can typically negotiate your medical bills for about 50% of what you owe. You can also hire a debt negotiation company to do this for you if you do not feel like playing the game. It wont cost you anymore money to use a debt settlement firm.

Can I negotiate my medical bills

Debt Negotiation Company

My debt negotiation company wants me to send them money every month

My debt negotiation company wants me to send them money every month. You may want to think twice about this. Why would you want to let a third party hold onto your money. The only way that I would let a debt settlement company hand my money is through a trust account. I would put the money in and I would control it. The only thing I would let them do is to see how much money is actually in the account. I would also want to approve all of the settlements. Who knows, the negotiator may have been lazy that day and could have done better. I would like that veto power. Who knows, they could go back in and get a better deal.

Get me out of debt

Drowning in Debt?

Drowning in Debt? If you are serious about getting out of debt you need to start living by your needs and not your wants. The only things that your really need are food, clothing, relationships and transportation. You don't need a 60 inch new Sharp Aquos flat screen tv. Your old tube set will still work.

Do a budget and take a look at what all of your expenses are. Look at where you can cut back. Make sure that you have more money coming in than going out. You may need to get a better paying job or take on a second job. Being in debt sucks and I would do whatever it takes to get out of it.

I need help with debt

Should I do credit counseling?

Should I do credit counseling? If you just want to lower your interest rates on your credit cards and you are in good financial condition, the answer is no. Joining a credit counseling program should only be if you are experiencing a financial crisis. You may be over the limit or have rolling late payments and are getting saddled with late fees and over the limit fees. Once you start this cycle, your creditors will raise your interest rates that are commensurate with the universal default rate that is in your credit contract. Once you start a cccs program the creditors will stop the over limit and late fees. You will also be given lower interest rates. The rates will depend on the creditor. They are all different. I like Bank of America in general. If you do join a credit counseling program, they lower their rates to 0%. Other credit card companies can be across the board when it comes to rates.

I need debt help

Should I do debt negotiation?

Should I do debt negotiation? I would say it depends. If you have the ability to make payments you should keep doing so. After all you do have a contract with your creditor for repayment. Debt Settlement is not about trying to get out of paying your debts. It is for financial crisis only. Debt Negotiation would be a possibility if you are unable to meet your monthly obligations each month and are considering bankruptcy. Debt Settlement is an alternative to bankruptcy so you will need to look at all of your options and decide which is best for you.

How does Debt Negotiation work?

Debt management, Debt Donsolidation, cccs, Consumer Credit Counseling, they are all the same thing

What is the difference between debt management, consumer credit counseling, credit counseling, debt consolidation and cccs? They are actually the same thing. So the next time you hear these terms, just know that they are the same thing.

I need help with my debt

Why debt consolidation loans don't work

Why debt consolidation loans don't work. If you already have a lot of debt, getting a new loan may be difficult. Nobody wants to give you a loan if you are already in trouble. Often these debt consolidation loans will have you end up with a higher interest rate than you were already paying. Carrying a lot of debt will usually result in lowering your credit scores. Your credit score is a major factor in what type of interest rate you will get. You would be better off trying to see if you can get your credit card company to lower your rates than to go with a debt consolidation loan. You may also want to consider a debt management program as an option if you can't get anywhere with your credit card companies. Once you join a consumer credit counseling program, the creditors have to lower your interest rates.

The best bet is to just not get into debt. Once you are in debt there just aren't that many good options.

Get me out of debt

What is CCC?

What is CCC? CCC stands for consumer credit counseling. Another way you may see it abbreviated is CCCS which simply means Consumer Credit Counseling Services. The majority of consumer credit counseling programs are run by non profit companies. Just because it is a non profit company, doesn't mean that they don't charge you a fee. If you are considering joining a non profit company, you may want to check a few just to see what the difference in fees is between companies. There are some consumer credit counseling firms that are for profit. Just be aware that some creditor do not work with for profit ccc, cccs or debt management companies.

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What is consumer debt?

What is consumer debt? Consumer debt can take many different forms. It is typically understood to be any debt that has to do with the acquisitions of goods that are consumable. A car is a consumable good because they don't last forever. Typically a consumable good will depreciate in value over time. It is very common now for people to buy consumer goods with their credit cards. Any balance that is carried on a credit card is considered to be consumer debt.

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What is CCCS?

What is CCCS? CCCS stands for consumer credit counseling services. Typically these debt consolidation programs are run by a non profit company. Debt consoladation can get you out of debt in about 5 years vs. 30 years if you keep making the minimum payments on your credit cards. If you are behind or over the limit, you can get the late fees and over the limit fees stopped once you have enrolled into the program.

Is consumer credit counseling right for me?

Debt Negotiation Information

Tips for Consumer Credit Counseling - Should I Do It? Finding the Right Company

The benefits of a Consumer Credit Counseling program can be great. However, before you start a program take a look at all your options for getting out of debt, and do you homework. There are many companies out there to stay away from. This article covers things to look for in choosing a company.

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Get me out of Debt

Re-Aging A Credit Account - What Is It? How Do I Do It?

There are many tips and techniques for improving your credit and your scores. This technique called "Re-Aging" demonstrates to your creditor your intention to pay them as you agreed when you borrowed (charged) their money.

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Can I settle my debt myself or do I need a lawyer?

If you have collections accounts you can settle the debt yourself. You better have a strong stomach, dealing with creditors can be very frustrating if not scary. If you have a fair understanding of the Fair Debt Collections Practices Act you will be in better shape than most. Just remember that it is a process that you need to stick to. The reality is that if you deal with an attorney that does debt negotiation you will probably end up in the same position. They usually deal in bulk and can get deals from the creditors for that. There is no right answer, you do want to check out your options.

Lawyers that do Debt Negotiation

How do I get creditors to stop harassing me?

The simplest answer to get creditors to stop calling you is to hire an attorney that specializes in debt negotiation. Once your hire the lawyer all calls by the creditors must be directed to the attorney and not to you. Typically the attorney will send out a letter to the credit that the law firm is taking over the case. Legally they are notified and must comply with the letter. If they do not comply they may be violating the Fair Debt Collections Practices Act and could be subject to a fine.

If you do not want to settle your debts yourself you may want to hire an attorney to do your debt settlement.

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