• Lower your monthly payments
  • Reduce stress and live your life
  • Avoid personal bankruptcy court

How To Consolidate Credit Card Debt Even With Bad Credit Without A Debt Consolidation Loan

When you think of debt consolidation usually you think of getting a new loan to consolidate all your bills and then making just one payment a month.  But what if you have bad credit?  How can you qualify for a low rate debt consolidation loan?  You will not be able to save much money if any because the interest rate will be similar or possibly even higher than what you are currently paying on your different credit cards.  So how can you get out of debt?

If you have bad credit and you still want to consolidate your debt then there is still hope available.  Care One Credit Counseling is one of the best debt consolidation companies around and does not lend money.  They can help you lower your interest rates, reduce your monthly payment, waive late fees, and eliminate debt collection calls.  Best of all they do not make debt consolidation loans.  So they can help you if you have bad or horrible credit.  You can talk to them for free and see how much you can save with their debt consolidation plans.

Why would you want to get a debt consolidation loan in the first place?  You are already overextended on your current available credit so you do not need any more.  Using a program from Care One Credit Counseling is a better option.  And their plans are very affordable.  The monthly fee varies by state but it is in line with other credit counseling programs.  And when you compare it against the monthly interest charges of a debt consolidation loan it makes even more sense.

While I still believe debt settlement is the best way to eliminate your credit card debt if you are struggling with your bills, many people are still wary of using this option because of all the scams out there and it is understandable.  Debt consolidation is the next best plan.  Get a free debt consolidation quote from Care One Credit Counseling and see how much you can save.


Debt Cures Reviews

And speaking of Debt Cures and Kevin Trudeau, Debt Cures 2 has been released and it is on all the late night infomercials again along with Kevin’s other book, Free Money, and I will be reviewing these once I get ahold of my copies. Kevin is taking 3-5 weeks to ship the books even though you pay $12.00 shipping and handling for each one.  I don’t feel like paying an extra $10.00 for rush shipping and handling. So when I get my copies of Debt Cures 2 and Kevin’s Free Money I will start posting the reviews of his latest books.

Debt Cures: Care One Credit Counseling vs Credit Solutions


Here we are almost the middle of February already and our debt problems are getting worse with each new day.  There are layoffs, businesses closing and credit card companies putting the squeeze on us little guys. If your credit card company is not trying to increase your interest rate, they are trying to restrict your credit limit so you cannot charge anymore.

It’s time to look at some debt cures to solve your credit debt problems.  Today, I wanted to compare Care One Credit Counseling vs Credit Solutions.

Care One Credit Counseling does just that – credit counseling.  They will give you a free consultation and determine if debt consolidation is your best way out of debt.  Not everyone will qualify for one of their plans.  The good thing about CareOneCredit is that they will work with you if you have just $2500 in credit card debt. Most companies will not work with you unless you have $7500 or $10,000 or more in credit card debt. What CareOneCredit can do is spread out your debts over a longer period of time and reduce your interest rates and get some fees waived. You can pay less when you use credit counseling and debt consolidation than paying it all off on your own. The fee for CareOneCredit Counseling varies by state so there is no number I can give you of what to expect to pay. You can talk to them for free and find out how they can help you before you sign up with them.

Click Here To Talk To Care One Credit Counseling Free

Now let’s talk about something different – debt settlement.

(EDIT: 5-9-09) Credit Solutions has had some legal issues as of late so I can no longer recommend them. One recommended company that offers debt settlement is Debt Shield. You can get a free consultation and see how much money you can save. Debt settlement is a different program altogether than debt consolidation. The goal of debt settlement is to negotiate with your creditors and work on reducing your total outstanding debts before you start paying anything. In some cases, you can reduce what you owe by 40-60%. Your mileage may vary. It is a much better option than bankruptcy.

Both are free to talk to and I would advise you talk to them and see what kind of savings you can expect from their plans.

Click Here To Talk To Care One Credit Counseling Free

Click Here To Talk To Debt Shield Free

Thank you for reading,


Debt Cures Reviews