Comments on: I have entered into an agreement with a company called State Capital Financial but have not paid out a payment to them yet. It is due to come out next week. I have over $29,000 unsecured debt I am pursuing to get taken care of in the program and want to make sure that this is a good course of action. I had used Consumer Credit in the past and it took me 4 years to pay off $7500 in debt. I lost a job in 2005 and did not find a new job till 2006. Though I have had steady employment since last year and have some really big payments I have eaked by and maintained an okay credit rating. I am worried about this impacting so negatively on my credit that I will be in a worse situation and be in a position of garnishment and judgement. I need to get into some kind of program as my payments are over $800/month and I am struggling to pay that. I have thought I should go back with using CCCS, but can never get anyone on the phone. Please advise. I don’t hav e any savings to speak of or a house that I could get a HELOC on to do debt consolidation.

Comments on: I have entered into an agreement with a company called State Capital Financial but have not paid out a payment to them yet. It is due to come out next week. I have over $29,000 unsecured debt I am pursuing to get taken care of in the program and want to make sure that this is a good course of action. I had used Consumer Credit in the past and it took me 4 years to pay off $7500 in debt. I lost a job in 2005 and did not find a new job till 2006. Though I have had steady employment since last year and have some really big payments I have eaked by and maintained an okay credit rating. I am worried about this impacting so negatively on my credit that I will be in a worse situation and be in a position of garnishment and judgement. I need to get into some kind of program as my payments are over $800/month and I am struggling to pay that. I have thought I should go back with using CCCS, but can never get anyone on the phone. Please advise. I don’t hav e any savings to speak of or a house that I could get a HELOC on to do debt consolidation. http://www.debtreliefcompanies.net/does-debt-settlement-adversely-affect-my-credit-score/ Wed, 01 Feb 2012 18:14:21 +0000 hourly 1 http://wordpress.org/?v=3.3.1