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should I consolidate my credit cards debt with a debt management company ?? what do you think? ?
I have over ,000 of credit card debt. I am able to pay them off slowly now, but I am thinking of consolidating everything with a debt management program. This program said they will close all my accounts and all I have to pay is a low monthly payment of 0 a month for all my credit cards. Is this a good deal? I am not sure. Thank you for reading and thank you for your time.
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January 28, 2010 - 6:20 pm
This is not a good deal. Reducing your payments will not save you anymore at all, infact, often times you will end up paying more in the long run.
The only way a debt consolidation loan is a good idea is if you get a lower interest rate, but continue to make high monthly payments, so more money is going towards principal rather tha towards interest. This is the only way to pay off more of your debts…applying more money towards the principal.
If you don’t go the route of the consolication loan, make extra payments on the smallest debt only…make as big of a paymnet as possible on this one, while maintaining the other minumum payments. When that debt is paid off, move that entire payment amount onto the next smallest debt. COntinue doing this until it’s gone. Again, the key is to make sure the monthly payments stay high, you’re just transfering the payments from one to another as they get paid off. This is the "Debt snowball" strategy that most debt management companies recommend and is also promoted by people like DAve Ramsey, and Richard Kiyosaki.