The most reputable debt managing company believe it or not is you. Why give someone else your hard earn money to manage. You can design a plan that works for you (budget) and manage it every time you get paid, and follow the plan (it takes about 3 months) until you master it. Name every dollar in the budget and stop, stop, stop spending, use the clothes and shoes you already have and only shop for necessities, stop dining out and lunching out, start cooking everything from scratch it is cheaper and healthier. Frozen foods, prepackaged foods and specialty products are super expensive. Avoid them.
For those accounts who are past due, try to get current the best that you can, then start negotiating with them lower payments locked for X amount of time and start paying them off one by one starting by putting the minimum they want. Once you pay off the first credit card roll that monthly payment to the next one this will give you more money to cancel the next one and so one. If you really buckle up and if you really want to clean your debt and credit you can get rid of it within 2 to 3 years depending on your income. If you have two cars and are making payments on them sell one of them or both and get beater cars you need to make drastic changes whether you use a managing company or not.
Personal finances is 80% behavior and 20% math. So it is up to you.
Brandie
The most reputable debt managing company believe it or not is you. Why give someone else your hard earn money to manage. You can design a plan that works for you (budget) and manage it every time you get paid, and follow the plan (it takes about 3 months) until you master it. Name every dollar in the budget and stop, stop, stop spending, use the clothes and shoes you already have and only shop for necessities, stop dining out and lunching out, start cooking everything from scratch it is cheaper and healthier. Frozen foods, prepackaged foods and specialty products are super expensive. Avoid them.
For those accounts who are past due, try to get current the best that you can, then start negotiating with them lower payments locked for X amount of time and start paying them off one by one starting by putting the minimum they want. Once you pay off the first credit card roll that monthly payment to the next one this will give you more money to cancel the next one and so one. If you really buckle up and if you really want to clean your debt and credit you can get rid of it within 2 to 3 years depending on your income. If you have two cars and are making payments on them sell one of them or both and get beater cars you need to make drastic changes whether you use a managing company or not.
Personal finances is 80% behavior and 20% math. So it is up to you.
Good Luck!!!!!!