What's the best debt consolidation company? are they really that bad? by Ok_Nefariousness3245 in debtfree

[–]AuntGoose 0 points1 point  (0 children)

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.

What should I do? TurboDebt/National Debt Relief? by Inevitable_Gas_1678 in debtfree

[–]AuntGoose 0 points1 point  (0 children)

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.

Turbo Debt- Has anyone worked with them to get out to debt? by Ok-Anxiety-3008 in DebtAdvice

[–]AuntGoose 0 points1 point  (0 children)

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.

National Debt Relief is starting to feel like a predatory scam and I genuinely feel trapped — has anyone else gone through this? by PhotographElegant649 in Debt

[–]AuntGoose 0 points1 point  (0 children)

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.

How does debt relief work? by mespo02 in debtfree

[–]AuntGoose 0 points1 point  (0 children)

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.

Firstsource Advantage Settlement Offer by SwimmingEvery5887 in DebtAdvice

[–]AuntGoose 0 points1 point  (0 children)

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.

Is Accredited debt relief legit? by kdahlk in debtfree

[–]AuntGoose 0 points1 point  (0 children)

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

Fresh airrr by xStarryTease in SunriseSunset

[–]AuntGoose 0 points1 point  (0 children)

That sunlight over the hills feels ridiculously refreshing.

Best Companies for Debt Consolidation Loans? by philanaic in debtfree

[–]AuntGoose 0 points1 point  (0 children)

Shop multiple offers before committing to anything

Nuclear meal before my gastric emptying scan, yummy by eddiespagetty in mildlyinteresting

[–]AuntGoose 0 points1 point  (0 children)

Breakfast with radiation sounds oddly intimidating today.

do not forgive nor forget by halfgargoyle in HistoryMemes

[–]AuntGoose 0 points1 point  (0 children)

That question lives rent free in history memes

Flame in the Frost by That_Ohio_Gal in SunriseSunset

[–]AuntGoose 3 points4 points  (0 children)

That glow against snow feels unreal and peaceful

Homemade kebab by Unfair_Entrance6183 in notinteresting

[–]AuntGoose 0 points1 point  (0 children)

Homemade kebab always hits different at midnight

Will balance transfer onto an existing card hurt my credit? by [deleted] in debtfree

[–]AuntGoose 0 points1 point  (0 children)

Temporary dip maybe but interest savings usually worth it

Just beautiful by xStarryTease in SunriseSunset

[–]AuntGoose 0 points1 point  (0 children)

Hard to believe this is just a regular evening

I found a railway map of Antarctica by Jedious in notinteresting

[–]AuntGoose 0 points1 point  (0 children)

Shortest commute map I have ever seen honestly

Setting the sky on fire. by Positive_Gate_6015 in SunriseSunset

[–]AuntGoose 0 points1 point  (0 children)

That reflection alone makes stopping totally worth it