Have you recently decided to cleanup your debt, but you're wondering how to get a debt consolidation agency with really bad credit? If so, you've come to the right place.
This articles will detail how easy it is to start cleaning up your debt and your credit.
One of the great things about debt consolidation is that your credit is not as important as you think.
The companies know that your credit is not good, which is what keeps them in business, but you have to be careful because not all agencies will deliver what they claim.
Most agencies have specific guidelines.
Some will only deal with credit card debt, others will not deal with IRS or state income debt, and some will only deal with debt such as medical bills, and merchant credit cards.
Your first step should be to determine what type of debt you have.
You should categorize your outstanding bills and then get the total amount owed for each category.
Next, you need to start investigating which company will fit your situation.
It's okay to shop around, and there are plenty of companies to look through.
It is suggested that you pick a few and narrow down your search by contacting the companies individually, speaking with the customer service representatives, and asking questions.
Some of the key factors should be what type of debt will they work with? How much does the service cost? Do they have experience working with your creditors? What is their success rate? Once you have carefully reviewed a few different companies you can then make an informed decision and be on the road to debt free living.
Remember this will take some time, but in the end it will be worth it.