Anyone ever tried those debt counselors?

[harmonic]

I'm falling behind in my debts, does anyone have any experience with these types of orginizations?

 

[karson]

bro

Fuck those, look into a home equity loan if you have a house, otherwise try and just consolidate to a lower interest rate. Ive dabled into investments and banking during my days and know a little. pm more details on your situation dude and I will help you. there are far better programs available. let me know

 

[harmonic]

No, I don't own my home.. I actually work at a Credit Union, but I know that my debt to income ration is not good enough for debt consolidation loan..

 

[Pump101]

Call up the credit card company on you r own because credit consildation will destroy your credit. Be carefull, check the company out with the Sally Mae foundation.

 

[Womb Raider]

What's up w/ the ten spam mails i get per day advertising "Clean your credit rating instaneously. Brand New Credit History in 24hr. "

Gotta be a scam but what's their angle?