A reader asks…

I am about 8 grand in debt, and need to pull myself out asap. Anyone have any ideas? Do debt counselors or debt relief companies really help?

A Reader Asks…

My boyfriend has roughly 18k in credit card debt. His credit score is 760 and we own a house together. We’ve contacted person to person lending organizations and contacted his credit card companies to ask them to lower the rates, which they wouldn’t because they said his balance was too high. He never misses a payment and pays extra when he can, but just can’t get a handle on it. Is there credit counseling or debt consolidations for people who owe over 30% of their income to debt but have great credit?

A Reader Asks…

I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?