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	<title>Comments on: What is the best method for consumer credit card debt relief?</title>
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	<lastBuildDate>Mon, 22 Mar 2010 08:52:59 +0000</lastBuildDate>
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		<title>By: captmhunt</title>
		<link>http://www.debtrelief-debtreduction.com/debt-relief/what-is-the-best-method-for-consumer-credit-card-debt-relief/comment-page-1#comment-32</link>
		<dc:creator>captmhunt</dc:creator>
		<pubDate>Mon, 22 Mar 2010 06:40:59 +0000</pubDate>
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		<description>Why pay them when you can contact your credit card companies yourself and what they will accept for you to get them paid off.  They WILL negotiate... they just want their money and they would rather get a little than nothing at all.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Why pay them when you can contact your credit card companies yourself and what they will accept for you to get them paid off.  They WILL negotiate&#8230; they just want their money and they would rather get a little than nothing at all.<br /><b>References : </b></p>
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		<title>By: Scott C</title>
		<link>http://www.debtrelief-debtreduction.com/debt-relief/what-is-the-best-method-for-consumer-credit-card-debt-relief/comment-page-1#comment-31</link>
		<dc:creator>Scott C</dc:creator>
		<pubDate>Mon, 22 Mar 2010 06:17:59 +0000</pubDate>
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		<description>Be very careful with these credit counseling and debt management companies.  Some will NOT make your payments so that you can get behind.  Once behind, the debt management company will try to settle your debt.  This will completely trash your credit!

Also, keep in mind that debt management and credit counseling will reflect negatively on your credit report.  When a person goes to one of these companies, they are basically saying that they don&#039;t know how to manage money.  

The BEST method of getting out of debt is to do it yourself.  The major benefit of this approach is that YOU learn to control your money.  Otherwise, you&#039;re not really addressing the problem.  Most people get into debt because they don&#039;t know how to control themselves (i.e. I want something so I buy it).  

My wife and I teach a class at our chruch that helps people get out of debt and learn how to manage their money.  In the two years that we&#039;ve been teaching the class, we&#039;ve been able to help many people eliminate debt so that they can build wealth. 

You can contact me directly if you need some advice on getting out of debt.  Please only contact me if you&#039;re truly committed to getting out of debt yourself.  I will not advise you to borrow money, file bankruptcy or use debt management/credit counseling.

Scott.....&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;http://www.takecontrolofyourmoney.com</description>
		<content:encoded><![CDATA[<p>Be very careful with these credit counseling and debt management companies.  Some will NOT make your payments so that you can get behind.  Once behind, the debt management company will try to settle your debt.  This will completely trash your credit!</p>
<p>Also, keep in mind that debt management and credit counseling will reflect negatively on your credit report.  When a person goes to one of these companies, they are basically saying that they don&#8217;t know how to manage money.  </p>
<p>The BEST method of getting out of debt is to do it yourself.  The major benefit of this approach is that YOU learn to control your money.  Otherwise, you&#8217;re not really addressing the problem.  Most people get into debt because they don&#8217;t know how to control themselves (i.e. I want something so I buy it).  </p>
<p>My wife and I teach a class at our chruch that helps people get out of debt and learn how to manage their money.  In the two years that we&#8217;ve been teaching the class, we&#8217;ve been able to help many people eliminate debt so that they can build wealth. </p>
<p>You can contact me directly if you need some advice on getting out of debt.  Please only contact me if you&#8217;re truly committed to getting out of debt yourself.  I will not advise you to borrow money, file bankruptcy or use debt management/credit counseling.</p>
<p>Scott&#8230;..<br /><b>References : </b><br /><a href="http://www.takecontrolofyourmoney.com" rel="nofollow">http://www.takecontrolofyourmoney.com</a></p>
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		<title>By: mustlovemovies101</title>
		<link>http://www.debtrelief-debtreduction.com/debt-relief/what-is-the-best-method-for-consumer-credit-card-debt-relief/comment-page-1#comment-30</link>
		<dc:creator>mustlovemovies101</dc:creator>
		<pubDate>Mon, 22 Mar 2010 05:55:59 +0000</pubDate>
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		<description>Ask them if it will affect your credit rating also.  I know a couple who did it and they paid off their bills in about 3 years.  Oh, and find out if they are a non profit agency.  If so, you may be able to write off what you pay them to do this from your taxes.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Ask them if it will affect your credit rating also.  I know a couple who did it and they paid off their bills in about 3 years.  Oh, and find out if they are a non profit agency.  If so, you may be able to write off what you pay them to do this from your taxes.<br /><b>References : </b></p>
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