[thechat] Hey Buddy, Can you Spare a Dime?
Martin Burns
martin at easyweb.co.uk
Sun Aug 2 19:45:33 CDT 2009
On 21 Jul 2009, at 20:11, Fred Jones wrote:
>> I would suggest shopping around (in person) at a couple of your
>> local banks. Ask about their debt consolidation services. If that
>> was an unsolicited offer (like in the mail) - put it on the table
>> and ask them to beat it. Drive the best deal you can get. All that
>> stuff is negotiable. Get several competing offers before signing
>> up for anything.
>
> Wouldja believe I called Bank of America and told them it's hard for
> me to make the min. payment on my two cards there (total of over $30K
> debt) and they sent me to Financial Pressure department and they gave
> me a deal--we closed both accounts, fixed them at less than 7% APR
> with fixed monthly payments for 60 months 'til they're paid off.
>
> Pretty cool. Better deal than the bank too. :)
Yeah, but caveat what 'coming to an arrangement with creditors' may do
to your credit rating...
Cheers
Martin
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