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I’ve seen a lot of advertisements for companies that consolidate credit card debt. Are these legitimate?

Some credit card debt consolidation companies are legitimate, but using such services can be risky. If you are thinking about debt consolidation, you might want to first consult a non-profit credit counselor.

Many people get into debt because they can’t afford to make monthly debt payments on top of paying for daily living expenses. If you’re not sure of the best way to handle your debt, a credit counselor can also help you explore your options.

You may see many advertisements for these debt consolidation options:
•    Nonprofit credit counseling
•    Paying back your debt through a debt repayment plan
•    Transferring debt to a zero or low-interest credit card
•    Taking out a debt consolidation loan
•    Taking out a home equity loan

Debt settlement is risky for several reasons:

  • Not paying creditors will show up as a negative transaction on your credit report. This could make it harder for you to take out other credit.
  • If you don’t pay your debt, your creditors might hire debt collection agencies to collect your debt. This could lead to a lawsuit.
  • While you don’t pay your debts under a debt settlement plan, interest and penalty fees will be added to the amount you owe. So, even if your creditor (such as your credit card company) agrees to accept something less than the full amount you owe, that amount might have grown anyway because of interest and penalty fees.
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