A reader asks…

I’m wondering if anyone has had any success using those debt consolidation companies and if so, what’s the process of it? How does it work and will it really work at lowering your interest rate/debt owed? And what company(ies) did you use? Thanks!

A reader asks…

I work out of my home,and I am trying to find a way to pull my clients credit. My application that they sign is for authorization to pull their credit, but I have been having to have them pull their own credit. The big three wont do it for me without a commercial space. Can someone push me in the right direction?

A reader asks…

What is the benefit of using debt consolidation for credit card debt? I am trying to decide to either call the credit card companies myself and negotiate for a lower payoff/settlement amount, or to use a debt consolidation company? If I negotiate with the credit cards directly, will that be considered a charge off? I would want to settle myself if I can to avoid paying all the months of high interest. But if I use debt consolidation, then they will charge me a fee every month for so many years? What is their purpose? What would be the best route to go financially?