Those who are in debt should surely go to debt counselling to seek help from a debt advisor. Going to debt counselling will give you a picture and a solution for your debt problem.
There are consumer debt counseling services in Mississippi but, you should just do it yourself. Get a list of all the companies that you owe money to,and then call them and offer them a deal. Or go through Omaha Mutual.
In order to receive debt counseling, one can go to the Debt Settlement website. The website has tools that allow people to manage their debt more effectively.
Look for a debt counseling agency closest to you by using a search engine online, and perhaps look for reviews previous customers have used.
They are a number of credit card debt counseling services online that one may go to for help. They include, Takechargeamerica, Creditadvisors, and Familycredit.
Be wary of many debt counselors claiming to help you as this could be a scam. http://credit.org/ is a good place to get information on getting help with your debt and may lead you to legit credit counseling companies that will help you without robbing you blind.
Free debt counseling is a great service for consumers dealing with credit issues. Finding help is a matter of going to the right service as there are many that are not as high quality. The best options would be National Debt Relief, Eagle One, and Fast Debt Settlement.
Yes, you have to declare what you save to the IRS if you go through debt settlement. You can read more information at www.debtfreedestiny.com/debt-settlement/debt-settlement-and-income-taxes
If only your son is having problems you should do counseling with your husband and him. You should also let him do some sessions alone.
The best way to get a debt consolidation is go to a consumer credit counseling agency. The credit counseling agency will give the customer a consular. The consular will be able to help you create a payment plan and work with the credit company to get a lower interest rate for the customer.
When you use a debt counseling service that consolidates your debt for you, you are supposed to make one monthly payment to the credit counseling company instead of paying your credit card companies individually. However, if you come into some extra money and you want to make an extra payment directly to the credit card company, you may need to do some research. Once you sign a contract with your credit counseling company you'll need to abide by the terms of that agreement. Many credit counseling companies want all payments made to your credit cards to go through them. This will mean that you will need to send the extra money to the credit counseling service rather than directly to your credit card company. Another thing to think about is if you do send the funds to the credit counseling service, you might not have any control over which credit card they apply it to. You can tell them where you would like it applied, but that doesn't necessarily mean that's where they have to apply it.
Go to couples counseling to resolve your problems.
Suntrust will work with you and help you manage your debt. They are able to negotiate for you with your debtors, offer credit counseling, and bankruptcy information. If you want a more local company, they will do fine.