what is the best way to eliminate credit card debt without filing bankruptcy?

Posted on 16th November 2009 in Eliminate Credit Card Debt


CCCS is definetely the best way to go. They will review your debt situation and honestly tell you if you are too far gone for Credit Counseling or Debt Settlement and need to consider Chapter 7.

Watch out for the fly-by-night counseling services. Many of them charge exhorbitant maintenence fees to simply hold your money for you.

The best place to start is The National Foundation for Credit Counseling at http://www.nfcc.org. From there, you can find your local CCCS agency.

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comments: 48 »

48 Responses to “what is the best way to eliminate credit card debt without filing bankruptcy?”

  1. Tones says:

    make a deal with the credit card company on how to repay your debt on a longer term. Stop using credit cards and make a budget of your spendings!
    References :

  2. evanlah says:

    cccs…consumer credit counseling can help you reorganize your debt. they can send proposals to credit card companies to get your minimum payment lowered as well as getting a lower interest rate.
    References :
    good luck…..its a nightmare to deal with! and takes years to recover!

  3. macausite says:

    Pay for your debt then u don’t need to filing bankruptcy
    References :

  4. glock509 says:

    go to daveramsey.com and follow his baby steps program it works
    References :

  5. andrephoenix says:

    second mortgage or rich friend!
    References :
    No rich friend= bankruptcy

  6. James S says:

    Get a personal loan to cover the cost of your credit card debt. Make sure that the interest rate is lower that what you are currently paying.

    Cut up your credit cards and start to live within your means.

    Sounds harsh, I know but needs to be said.
    References :

  7. Jimmie says:

    pay it!
    References :

  8. lilbitcrzy97 says:

    live on a tight budget
    References :

  9. searchingjohn says:

    get another job so you have two, don’t go out on the weekends, don’t socialize with friends that costs money do this for about a year and you should be out of debt.
    don’t get another credit card to cover the other ones you will go into a debt cycle.
    as i see it a year of hardship is better of then in three years filling for bankruptcy.
    References :

  10. self says:

    use the free go2self.org budget plan to set up your budget and target one card at a time for quick elimination. the software is free. courses are also offerred with guaranatee.
    References :
    http://www.go2self.org

  11. Lawrence L says:

    you can’t…
    References :

  12. Michael W says:

    CCCS is definetely the best way to go. They will review your debt situation and honestly tell you if you are too far gone for Credit Counseling or Debt Settlement and need to consider Chapter 7.

    Watch out for the fly-by-night counseling services. Many of them charge exhorbitant maintenence fees to simply hold your money for you.

    The best place to start is The National Foundation for Credit Counseling at http://www.nfcc.org. From there, you can find your local CCCS agency.
    References :

  13. ♥Cutie Emily♥ says:

    no. don’t do it…
    References :

  14. djsmalley says:

    Use the Debt Elimination System – one of the many benefits of membership in the Financial Freedom Society.

    Please visit http://your.ffsi.com/59173.
    References :
    The Financial Freedom Soiety
    http://your.ffsi.com/59173
    "A Financial Health Club"

  15. citalopraming says:

    If you are in the UK then have a look what the office of fair trading has said about unjust credit card charges, it won’t clear your debt but you might be able to take the credit card provider to the small claims court to recover any unjust fees charged that has contributed to your debt.
    References :

  16. Stuart L says:

    Try here:
    http://www.debtmanagementresources.com
    Good luck!
    References :

  17. deh incerran says:

    Einfach super schön und Hut ab,das Du diesen Antrag vor so vielen Frauen gemacht hast.IWünsche euch für die Zukunft alles alles Gute.Und ihr werdet sehen die 25 Jahre gehen so schnell um.Ich spreche aus Erfahrung.

  18. The Best Way to Eliminate Credit Card Debt – Stay Out of Debt for Good starting now | How to Consolidate Debt | Get…

  19. B K says:

    I am not taking the time to read your novel, but people of all religions say their gods do the same things you say your god did. There's no more proof of God than of Wotan, Zeus, Marduk, Brahma, Enlil, etc., etc. You have a bad case of confirmation bias.

  20. Bills.com says:

    Did you make the settlement with the original creditor or with a collection agency? If you settled with the collection agency, they would be the one to report the account as settled. It would not show on the original creditors charge off.

    If you did settle with the original creditor, the account would still be noted as charged off but should show settled as well.

  21. done with math and sport psyc …. brief session with chapter 7 polisci and im most def headed to #hhhhwhett times two.

  22. Ping.fm says:

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  23. Daily Tip #9: Credit repair companies are a rip-off. Contact the National Foundation for Credit Counseling instead.

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  25. nickuminsk says:

    Golf:Rory McIlroy took the first 65 strokes towards fulfilling one part of his destiny in the 111th US Open at Congressional Country Club in suburban Washington – but he, more than most, filled in his card at the end of the first round knowing that the hard part lay ahead of him.

  26. keeston says:

    One lesson of this kerfuffle could be that climatology is not the right science on which to base policy if the goal is to eliminate carbon based energy. Not that the science is wrong, but that the emphasis on CO2 as the measurement and driver of policy is wrong. Policy should be based on things that actually replace or eliminate the need for carbon energy.

  27. bitts tos says:

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  28. schli says:

    The best drunk texts. The best in all the land. The ONLY ones I receive, giggle at, and tweet about, really.

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  29. A good place to start is with your local media. Write a press release and send it to many newspapers, radio stations and television stations. Then follow up with a telephone call a few days later to the news editor. This should get you some free press. Once you get the word out there then it will start spreading. You could also contact the government run health service agencies and mental treatment hospitals to let them know you exist. They may refer some of their patients to you.

  30. rivorde says:

    God , Show Me The Way , The Right Way . I Have Goals To Be Pursued! I Trust You With All My Heart Knowingly That You’ll Never Steer Me Wrong

  31. I think you didn't mean a "taxable" fund but instead meant an income producing fund. If it stays in the IRA it is not "taxable".

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    I would be cautious about bond funds. Bond rates are historically low right now but when the economy starts to recover and rates rise bonds will take a hit to the capital values. [...]

  32. lipedroun says:

    Iris off nursery. Realised I need to find other ways to occupy us when I leave work. Days of Cafe Junior will end in bankruptcy and obesity.

  33. moungphal says:

    You search for a conversion program that converts between the type the file is and one of the types WMM will accept. Then you download the program and use it to create files of a type you can use in WMM. (You can't change a files type, you can only change its extension – it's still whatever type it is, it just has an incorrect extension, so it's useless.)

  34. jazaro yun says:

    MP3 Player Tip #1: Get a flash model that can take an external memory card if you want you want to expand your song capacity.

  35. You can file Head of Household as long as you and your spouse do not file under the same address. This way you can get Earned Income Credit as long as you qualify. Works great for seperation.

  36. makovaisa says:

    Dear phone: I drop you, I say I hate you. I throw you, I cuss at you, I lose you. I forget about you, but I couldn’t live without you.

  37. that is completely false. The only difference is if you sign or enter a PIN.

    It is true that some companies take a few days to process credit transactions but there aren't very many. Unless you have the money in your account or you are prepared to pay the overdraft fee and/or be declined then don't try it.

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  39. sephaios says:

    i fell in love with this boy on youtube just from the way that he sings .. we gonna get married he just don’t know it yet

  40. paunger says:

    The only pressure I put on myself is that I need the will to run & then I’ll let the run speak to me as how far it will be. — Gary Allen

  41. villa says:

    hi , how did you check your start up ? you mean from start and all programs menu ? or run ? if you didnt try run just type msconfig in run , then go to start up section and uncheck that file ! if you did it before i recommend you to restore your pc to an earlier time !

  42. Hi,

    I don't know about the find field but you can press Ctrl + G (goto) and select Special.

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    This will highlight all numbers on the worksheet but will ignore formulas and other text.

    Hope this helps.

  43. I don't think that's true for the physical landscape because then it would be a kind of collective imagination, but I do think we create a personal sense of existence and realism.

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  44. salvenstre says:

    American — there are strong strands of racism in most ethnic cultures — right? This isn’t exclusively a Jewish or Zionist problem by any means. For instance, Europe and Europeans (and people of European descent) throughout their history have been afflicted with mild expressions of racism now and then. <irony> But I think one can reasonably argue that all groups (including Jews) need to address this issue aggressively and thoroughly within their respective cultures.

  45. onda conor says:

    everytime i say ‘oh my god’ i think of the mum in goodnight mr tom, ‘YOU KNOW WHAT WE DO WITH BLASPHEMERS IN THIS HOUSE!!!!!!’

  46. hsiader says:

    Making Work Pay credit is still good for 2010, gone for 2011 returns that will be filed early next year. MWP isn't just for married couples, it's up to $400 per person for working people. The break married couples get is that even if only one of them works, they can both get the credit

  47. albramowie says:

    SLUSH

    1 – 2 LITER diet sprite or 7UP
    1 – 64 oz can unsweetened orange juice
    1 – 64 oz can pineapple juice
    1 – jar cherries without stems
    1 – fifth Vodka
    ½ cup sugar or 8 packages of sweetnlow
    ½ cup water

    Chop cherries and pour all ingredients into a LARGE bowl
    Bowl should be large enough to allow for stirring and expanding
    when liquid freezes-Stir thoroughly

    Put in freezer and allow 24 hours for it to freeze into slushy state
    Stir after 6 hours or so and then again after 12
    I generally mix in large [...]

  48. brigiancee says:

    fun fact about Kten :) , i sometimes type statues out on facebook,put a lot of thought into them then leave the page without submitting them

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