What company can help me get out of debt without costing me a arm and a leg?

I would like answer from those who really know how to answer this question because I know there are alot of younger people who use this site that just couldnt have a anwser because of there age. So please if you are a adult,and can give me a reputable company that helps with this, please let me know.I do thank all who answer this question from my heart because Im in debt up to my chin.

What company can help me get out of debt without costing me a arm and a leg?
the way to get yourself out of debt is to go on a spending diet. This is something you can do by yourself. There is no need to pay someone to tell you what you already know.





Cut up the credit cards. All of them. Use your checkbook for bills and a set amount of cash each week for discretionary purchases. Put yourself on a budget and start paying down your bills. This is going to take some time and it is going to hurt. You are not allowed to buy anything you do not need until you debt is gone, completely gone.





Buy a loose leaf notepad and write down every purchase you make. At the end of each week, look at the purchases and determine critically which were necessary and which were discretionary. Eliminate as many of the discretionary purchases as possible and put that money to the necessary purchase and to past bills.





Call you credit card companies and ask them for a lower rate. Look into some kind of consolidation loan and use that to pay off your high rate credit card debt. Do not get another credit card.





This is going to hurt, but when it is done, you will have a spending pattern that will last a lifetime. You will actually have the ability to determine what is necessary and what is discretionary. You will have a budget to determine those things you can afford.
Reply:....what kind of debt....? ...car loans, ...credit cards?? ...whatever you do, ...dont go with one of those consolodation scams, ...you end up paying back so much. If you're getting a lot of creditors letters, ...from collections and lawyers and all that, ..there are steps you can follow to answer those letters......and possibly get rid of the debt.


My b.f....is an attorney in new york, ...and we are in the process of setting up a company to help people just like you, as well as minorities, ....He is also a financial specialist....so he helps people clean up their credit as well. So i dont know how bad your debt is......or what it is, .....but whomever you go to, you better read EVERY word of fine print, or you can get yourself in more debt!
Reply:They are all scams.
Reply:I knew a woman who also had debt problems (we worked together for a short time). She seemed to benefit from counseling with a local non-profit consumer credit counselor. They will vary from town to town, but read the info at the link below. Then, Google non-profit consumer credit counseling + your town for local non-profit centers. If you start communicating with this type of service, I'm sure that they can point you toward the help that you seek. (I'm 38).
Reply:Contact your local CONSUMER CREDIT COUNSELING office- it may be under a different but similar name in your area, but they can get you started. Years ago I used a company called "PROFINA", and they seemed okay, but they will all cost you something. If you go through your local state office for consumer credit counseling, they can get you the names of local legitimate companies that can help you.
Reply:peeboo is 100% correct, the ONLY person that can get you out of debt is YOU!





Cut all credit cards up today.





Quit spending more than you make.





Get an extra job. Or two. Sell stuff you "want" but don't really "need"...learn the difference.





Pay minimums on all your debts except the smallest (ignore the APR), pay everything you can muster toward this smallest debt until it is gone...repeat as necessary...





Even if your debt is as a consequence of ill-fortune or illness, ultimately it is the result of choices you made in the past. (Deciding not to buy health insurance, deciding to buy a car, buying too much house, having children before you could really afford them, thinking your job was "secure", etc.etc. etc.)





I don't mean to sound mean, but you are really on your own in fixing this....all the companies that want to "help" are just trying to make money out of your fiscal discipline issues. But that makes you a VERY typical American, assuming you are an American!





Try reading any of Dave Ramsey's books (at the library), you CAN get out of this mess!





Best wishes!
Reply:An arm and leg is this a flee market or a hospital for sergery ???????
Reply:Try cutting a direct deal with your creditors, be insistent and they may agree with you on your terms to pay a little bit at a tme





this will NOT cost you anything.





remember that the creditors also don't want to go through the difficulties of the third party companies.





write to the top brass of your creditors





good luck
Reply:capital credit enhancement group. its $192 a month for six months. they get every negative on your credit report deleted.