How do I go about consolidating 10,000$ worth of credit card debt without using a debt management company? »

Ryan 21 asked: Myself and my soon to be fiance are in a lot of credit card debt. Between the both of us we always pay our bills on time but now it is starting to become a problem where it is getting overwhelming. I want to get a loan to pay off everything in [...]

Do you think that it is a good idea to apply for a brand new credit card? »

kit asked: My sister went to Sears and applied to their credit card. However, she has a lot of debt to pay from the previous credit cards that she owe. I can’t get her to stop being involved in credit. She is working and still always get a new card. So, how do I get [...]

What is considered a lot with regards to credit card debt? »

greydonthemagician asked: Hey,
I’m a student living away from home and I am stressing a little over my credit card debt. I currently owe 1,500.00 on my credit card. Is this a lot? should I be stressing out about it as much as I am?http://1mortgagecalculator.info

Closing a credit card account that is inactive? How much will it affect my credit report? »

jenahfah asked: I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I [...]

What type of credit card can I apply for and get approved with current bad credit to start rebuilding? »

Mrs. E asked: Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score.http://1mortgagecalculator.info

How do you consolidate credit card debt if you do not own a home? »

RunsWithKnife asked: I owe about $12,000 in credit card debt and I wanted to make that my year’s goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to “negotiate” with your creditors to bring down interest. Does anyone [...]

Bankruptcy or choosing to default on credit card debt. What are the ramifications of each? »

perkins asked: I have A LOT of credit card debt from opening a business and having to sell it in one year because of family responsibilities. Saw a bankruptcy attorney, but the options don’t seem to work for me as there’s no way I could ever pay off these debts.
I know it’s very immoral, [...]