I want to start off by apologizing if this is the wrong forum for this. It's the only one hinting at financing issues and I didn't want to straight post it in the RR. I doubt I'd get even one serious answer. But if this needs to be moved, I'm sorry!
Anyway,
Simple question: does anyone know if any of these companies are legit or actually do what they promise? Has anyone here ever had to turn to one?
I have 3 CC right now and about $3300 in debt. I know compared to average Americans, that's a very tiny sum. However, being a college student, what I make at my job barely covers rent, my phone, and groceries. At the end of the summer, I lost my old job and couldn't acquire a student loan for the Fall semester so I wound up falling behind. I'm a few months behind on 2 of the 3 so they're looking for some pretty large sums (large for only being able to work 3-4 short shifts a week because of class).
So I'm wondering, if I contact one of these companies (and they're legit), can they consolidate everything (even though I AM behind) and shrink my monthly payment to $100 or less? That I can definitely handle but it's hard to keep track of 3 CC bills at 3 different companies at 3 different amounts at 3 different times of the month.
Is this just wishful thinking or am I going to have to default? Without some kind of aid I know I'll never be able to catch up.
Any help is greatly appreciated.
I'm sure at least one of these has gone to collection as I just got out of class and I have 4 missed calls.
Anyway,
Simple question: does anyone know if any of these companies are legit or actually do what they promise? Has anyone here ever had to turn to one?
I have 3 CC right now and about $3300 in debt. I know compared to average Americans, that's a very tiny sum. However, being a college student, what I make at my job barely covers rent, my phone, and groceries. At the end of the summer, I lost my old job and couldn't acquire a student loan for the Fall semester so I wound up falling behind. I'm a few months behind on 2 of the 3 so they're looking for some pretty large sums (large for only being able to work 3-4 short shifts a week because of class).
So I'm wondering, if I contact one of these companies (and they're legit), can they consolidate everything (even though I AM behind) and shrink my monthly payment to $100 or less? That I can definitely handle but it's hard to keep track of 3 CC bills at 3 different companies at 3 different amounts at 3 different times of the month.
Is this just wishful thinking or am I going to have to default? Without some kind of aid I know I'll never be able to catch up.
Any help is greatly appreciated.
I'm sure at least one of these has gone to collection as I just got out of class and I have 4 missed calls.
