- Centurion Member
- Posts: 196
- Joined: Tue Dec 03, 2013 1:53 pm
- Location: Dallas
I would not recommend any counseling if you are sure that you are making changes in spending habit. I think you can do most of the tasks that your counselor will do. First of all, take time to make phone calls to your credit cards to negotiate and ask them to lower your interest rate. Then, you can consider consolidation loan. This type of loan can be applied at any bank or financial services that you have relationship with, or on the Internet such as Lending Tree, Lending Club.
Some tips to negotiate with credit card companies can be found on the Internet. Be nice, ask them with honesty and show them your commitment to pay them back at a reasonable rate. Sometime it may help to drop the "bankruptcy" bomb on tough lenders, but that should be the last thing you should say.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.