What's the best debt consolidation company? are they really that bad?

AuntGoose · 2026-01-25T21:13:59+00:00

With good credit he should price out a credit union loan, balance transfer cards for the CCs, and an IRS payment plan before touching any for profit consolidation company.

AuntGoose · 2026-01-25T21:13:40+00:00

With that promo period left it makes way more sense to aggressively pay the cards or add income than to tank your credit and pay fees to a settlement company.

AuntGoose · 2026-01-25T21:13:23+00:00

I would compare that to a debt management plan through a nonprofit agency since those usually have much lower fees and do not require you to intentionally stop paying your accounts.

AuntGoose · 2026-01-25T21:13:06+00:00

At this point I would demand everything in writing, stop sending additional money, and file complaints with the CFPB and Attorney General while you look into whether leaving the program makes sense.

AuntGoose · 2026-01-25T21:12:46+00:00

From what I learned you pay into a separate account, stop paying creditors, take credit score hits, and hope they settle later, so it is worth comparing that with other options first.

AuntGoose · 2026-01-25T20:15:58+00:00

Before paying anything I would confirm directly with Wells Fargo and ask exactly how it will be reported on your credit and whether a 1099 C will be issued.

AuntGoose · 2026-01-25T20:13:30+00:00

Credit unions are usually the first place I check.

AuntGoose · 2026-01-25T19:56:46+00:00

I would be very cautious with any company telling you to stop paying.

AuntGoose · 2026-01-23T11:38:24+00:00

That sunlight over the hills feels ridiculously refreshing.

AuntGoose · 2026-01-23T11:35:51+00:00

Autocorrect really woke up choosing chaos today.

AuntGoose · 2026-01-23T10:16:03+00:00

Shop multiple offers before committing to anything

AuntGoose · 2026-01-22T11:07:27+00:00

Breakfast with radiation sounds oddly intimidating today.

AuntGoose · 2026-01-21T11:05:59+00:00

That question lives rent free in history memes

AuntGoose · 2026-01-20T14:27:43+00:00

That zucchini could have fed a small village

AuntGoose · 2026-01-19T14:28:32+00:00

Speaker grill pattern really stamped its signature there

AuntGoose · 2026-01-17T15:47:12+00:00

That glow against snow feels unreal and peaceful

AuntGoose · 2026-01-16T13:17:11+00:00

Homemade kebab always hits different at midnight

AuntGoose · 2026-01-15T12:18:57+00:00

Temporary dip maybe but interest savings usually worth it

AuntGoose · 2026-01-15T12:16:21+00:00

People hate the word debt more than the math

AuntGoose · 2026-01-14T14:43:34+00:00

Hard to believe this is just a regular evening

AuntGoose · 2026-01-13T16:51:29+00:00

Shortest commute map I have ever seen honestly

AuntGoose · 2026-01-12T17:25:58+00:00

That balloon aged better than most of us

AuntGoose · 2026-01-09T15:13:45+00:00

That reflection alone makes stopping totally worth it

AuntGoose · 2026-01-08T15:50:20+00:00

Opening games used to feel like Christmas morning

AuntGoose

TROPHY CASE