Consumer Credit Corp. ? Anyone have any info? (sm)
Posted By: nn on 2005-08-30
In Reply to:
I seem to have some high balances on a couple of credit cards and am curious as to whether their claim for negotiating a lower interest rate is valid. It would certainly help me pay these off quickly.
They claim they negotiate these lower rates, set you a payment schedule, disperse the money as agreed upon to the creditors and there is no charge to you. I am sorry, but I am a bit dubious. Their web site shows BBB logo on the bottom, that does make me feel a little better about it.
Any input appreciated. Am NOT looking for a free ride, just checking out my options so please no flaming.
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RE: Consumer Credit Corp.
Are they the same as Consumer Credit Counseling Services? You might want to check with this service in your city. I used CCCS many years ago, and they were very helpful. They were very strict with budgeting, but they explained everything before I agreed to their requirements. I also attended classes when I could. They also have a toll-free number: 1-866-331-2227. Hope this helps.
consumer credit
i don't know about them, but CAmbridge is a good one. They pay the creditors on time and are always in follow up with you. They do, however, charge a fee but it's not too great of one.
Consumer Credit
I talked with them and there was a HIGH fee for them handling my payments. Too high for me. I talked to the credit cards directly and worked with them. I think my payment to CC would have been about $70 a month. Also through them, the interest rate was lower, but the payment was higher as they do a percentage of the balance. But now that the credit cards are doing higher minimums, more people are going to be in this situation. I did go throught Trinity Credit Counseling and my fee to them was only $25. So you need to check around.
Just my two cents worth.
Some info on credit counseling vs bankruptcy
This is just a heads up for those that were questioning about your choices. I was doing some research on a cancellation of debt form - 1099-C that I am doing for my ex-husband as he never paid me the $9720 he owed me and found on a web page that some of the people that are going through Credit Counseling now are getting 1099-C for some canellation of the debt from credit card companies. If they forgive this debt, then you have to claim it on your income tax as "INCOME" so think about this in your situation. If you are going through a counseling agency ask them if any of your accounts can give you a 1099-C for anything that they forgive you and the only way that they can't is through Bankruptcy. So that is another consideration when wondering which way to go. As for me, I have a signed promissory note signed and it is not a verbal agreement, was not in the divorce and he just never paid. So I get to put on 12 years of interest at 10% plus late fees and he will end up paying the IRS instead of me but I get a tax deduction of $3000 per year until the 21K is used up. So that is fine, he doesn't have to pay me and I will cancel out his debt, but Uncle Sam is not as forgiving as me. But I wanted everyone to be aware of this as it tempting to pay a credit card company only 50% of what you owe them but thing of putting that other 50% on your income tax forms. Patti
great website for credit and credit cards, interest rates
great website
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
MT Corp
Anyone know anything about them? Just took their test.
MT Corp
I found them online. Go to their website.
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
Amherst/Corp
I know of at least 3 MT's that have written/emailed Corp about the work situation at Amherst and Foxboro and not one of them every rec'd a reply. One of the girls had been terminated for lack of work and MQ left a message on her answering machine to say that she was terminated and to make arrangements to return her equipment. The thing about this is that she had been in and out of the hospital, had made numerous calls and faxes to Foxboro to update them about the situation, had been with MQ P/T for the last 7 years, so they knew that she was a reliable MT but yet do to the endless lack of communication at that office, they had the nerve to call and leave a message to terminate her. She wrote letters to everyone from the Foxbor office to Human Resources to the President himself and never heard a workd from anyone--so yes I would think that Corp has been told about Amherst/Foxboro but I really do not think that they care one way or the other. Life goes on and they can hire 10 new people to replace her and continue to flood the accounts so that we are always out of work--just like today
former corp headchopper
1. They want you to resign so when they don't have to pay unemployment.
2. Turn in your computers so that when they file BK, have more assets.
3. WTH knows......
It easy being an S-corp
other poster said "Reading all info gives me a headache, members, stocks, annual meetings, and so on." It's easy. Your attorney sets it up. You are the only shareholder. You have an annual meeting where you are the president, vice president, secretary and treasurer. They have a standard form for your annual meeting and you sign it. Simple, really.
Does anyone have a name of a person to email at Corp for MQ about this.
:
Quest used to be part of MQ corp
in some fashion or other, I remember when they tried to get all MQ employees to sign up for it. Just thought I'd mention it.
MT Co owned by Hospital corp.?
How many MT companies are owned by hospital corporations or the hospital corp have a piece of MT companies? I ask this because some hospitals are only allowed to use certain MT companies. Is this a way of keeping wages down and/or them getting more $? Isn't there some kind of rule where doctors can't refer patient to a facility that they have part ownership of. Shouldn't this apply also?
Just wondering
BEWARE DELL COMPUTER CORP!
 Computer under warranty and the modem went bad. Called tech support and I told them the modem was bad (I am not a computer idiot), but went through everything with them anyway. Of course, they could not help and stated that I had to go through software support before I could be sent a new modem under the warranty. The first thing you get in software support is a salesperson. I told her this was NOT a software problem but I had been told I had to go through software support before I could get a new modem. It cost me $54.23 for a one-time software support problem. Before I did this, I asked her if I would receive a refund if this was determined not to be a software problem, which I already knew it wasn't. She said,'YES, just call this phone number back and give us your case number and we will issue a refund'. So like an idiot, and because I happen to trust people, I paid. I called them right back to advise that software support determined I needed a new modem and to please issue a refund."OKAY - we will issue a refund' the girl says. Now after 2 months I still have not received a refund and the 'refund supervisor' tells me they cannot issue one because I did receive software support. She says they will 'counsel' the girl that lied to me. I told her I never would have gone through software support if I had know that, and if I had not been LIED to, because the new modem only cost $14 if I had purchased it outright so why would I pay $54 to get a free $14 part???? DELL LIES! They just lost my business. I can afford the $54, but it is the principle of the thing. I hate the way big corporations can lie to you and get away with it. My grandfather owned a small grocery store. If someone called to ask the price of ground beef and an employee told them a price that was lower than the actual price, he would have sold it to that customer for that amount. He would not have said,'Sorry but you have to pay the correct price and I will COUNSEL the employee'. WHATEVER HAPPENED TO COMMON DECENCY AND CUSTOMER SERVICE????
OMG! You are a riot! Maybe they should give you 19 cpl and run a huge corp on a penny?
and screaming poverty! And if you work for 8 cpl, well, then that's YOUR problem! You take peanuts for pay, and then complain about it! Go figure.
sounds like its the corp money grubbing middle men
If we could get rid of them (do not know if that is possible at this point), we would have happier, higher paid MTs, and better quality work for the hospitals. What they must think of us with the quality of work they are seeing. IF only they knew we are backed up against the wall with everything based on production, lowered pay rates, AND limiting reports being sent to QA. Everyone is losing here.
They bought Dictaphone Corp, and recently Focus. nm
x
The consumer age is here.
I have watched bank tellers, cashiers, gas-pump attendants, farmers, pharmacists, butchers, telephone operators....you name it, lose their jobs due to technology and the need for mass production.
Everyone wants it now and they want it cheap, whether it's medical transcription or food.
Yes, it's depressing but I'm just as guilty as the next guy. I shop at Walmart and that has put a lot of little specialty stores out of business, but what can ya do?
It's just a sign of the times I'm afraid.
We are the largest consumer of goods. nm.
With all of the outsourcing, a lot of products are being made outside of the U.S. All countries are helping in the problems with our environment.
I'll never buy another car without using Consumer's Guide!
Dept of Consumer Advocacy........nm
Avast also recommended by Consumer Reports.
x
Rising costs always causes the consumer to look for another solution
in the MT field, this includes offshore, EMR and SR, and people taking pay cuts. Once everyone around your wonderful doctors are getting the work done reasonably well for much less, they will take a second look too.
yes! i used Consumer's magazine to make my choice,
and love mine - Eureka the Boss, SmartVac (an upright) -- less than $150 at Walmart -- very quiet, picks up very well. Only drawback i see is the cord is not retractable. If upright is not your style, or you want particular features, i'd still suggest using Consumer Reports suggestions. Neighbor just bought a Kirby for $800 -- bet this one would outclean that. Its even advertized as outcleaning a Dyson by 60%.
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Consumer Reports June 2005 covers this.....sm
type of information if you'll go to your local library they usually have a copy available there. Happy researching!
Forgot to add my accounts say "Closed at request of consumer."
x
I blew a big wad on my last one - Hoover WindTunnel - because Consumer Reports (sm)
gave it great marks about three years ago. The self-propelling feature was nice, but it kept breaking down so now I'm back to my K-Mart Bissell. So much for Consumer Reports.
Get the April 2006 Consumer Reports magazine...sm
It gives you a rundown on all vehicles as well as which ones have held up well and which ones haven't over the years. It's in the stores now or your local library should have a copy you can look at for free. :o)
Contact your state Consumer Affairs. They will guide you.
nm
No but I think Consumer Reports and other industry specific testing
Honda recently made the announcement they're going to pull production on the Accord hybrid due to lack of demand. You'd probably be better off getting a vehicle that uses ethanol, which many of the new ones do already, if you have stations that have ethanol pumps. Ethanol is selling for cheaper than gasoline apparently.
From experience as an insurance biller and a consumer with 2 policies.
I think it is always beneficial to have two insurances. I think if it doesnt cost you anymore to have it for him...then do it. Most insurance companies have what they call a "coordination of benefits" and the second insurance usually does pick up what the first doesnt. Say for instance though, with your primary insurance has a $25 copay so they pay for everything but that. That is in turn will go onto your secondary and typically the secondary will pick that up, depending upon their "COB" (coordination of benefits) policy. It may not benefit you a lot if the second has a high deductible until something major, god forbid that.. but I had that happen with my child. One hospital visit and your deductible is met on both as well as your stop loss so basically your covered 100%. Again, it really depends on your insurance and how they do their COB so you may still have a small amount of a copay or percentage but if it costs you no more to haveh him on it, then do it. Trust me, you will be glad you glad, especially in cases of large medical bills. Anymore questions, let me know.
Consumer Reports did not give the best rating to Dyson....
which surprised me. The top were Sears, which also surprised me. I just recently got the Sears bagless with HEPA filter for about $300 and I am EXTREMELY pleased with it. I could check on the model # if interested.
Walmart is trying to save the consumer MONEY. It's not all about corporate greed.
Rubbermaid products are advertised. So the costs of doing business with Rubbermaid factor in advertising costs. Now I don't care what brand name of plastic container I buy if the quality is equal. So I buy Rubbermaid's competitor (I forget the name) cheaper because they don't advertise. I also think there are a lot of big executives at Rubbermaid who take a bigger profit each year which once again factors in the price of Rubbermaid.
With the economy as it is, gas prices soaring, interest rates up, taxes up, our pay going down (MQMT), I don't care to subsidize Rubbermaid's advertising budget or their CEOs salary. And I go to Walmart and buy the plastic container that is cheaper because they don't advertise.
Check consumer reports ratings on the size SUV you want. I went with Subaru Forester..but sm
Its just me..no kids to haul around. The Ford Escape is in your range..but check the repair record. They were brand new the year I was looking..take into consideration tires..Escape uses truck tires which are more expensive than car tires. Have fun shopping!!
You might want to check out Consumer Reports 1/08 magazine, had article about ins and suggested visi
x
Most recent Consumer Reports magazine did an article about this. Most effective was hormone replac
.
They will put this on your credit
Please get them to explain to you that this does affect your credit in a similar way that a bankruptcy does. After having this explained to me, I filed a Chapter 7 and was done with the problem...no payments to anyone (other than the attorney).
I was able to immediately (upon discharge 3 months later) get secured credit cards and purchased a new vehicle after 12 months. Best move I ever made.
credit
www.creditboard.com
Cars and homes can be purchased 1 day out of discharge.
thanks, but the credit goes to......
the--ahem--offshore MT who actually transcribed this. I don't think it's an urban myth.
getting credit for CCs
I guess really I don't care what the client wants, necessarily, I just want to know if we get paid for those Keystrokes if we do have to add physician names and addresses to the CCs.
Give yourself some credit.
nm
Credit not way great...sm
I have a pre-pay credit card; it's a Visa. The bank account, well, we don't have one, but I could give my mother-in-law's; she let us deposit in her account before, no problem. This is such a great idea. I hope this all works out. Thanks for the info!
credit cards
Don't charge unless you can pay the piper.
credit cards (sm)
Yes, this is what I am referring to. I have been receiving these notices in the mail lately basically stating that the credit card companies can do whatever they want, i.e., raising interest rates, miminum payments, etc. This was attached onto the new bankruptcy bill that was passed in October. These changes will take effect I believe in Jan 2006. I am getting rid of all of mine. I have a good FICO score of 765 and have opted out of these new changes with the intent of paying off these cards. Hope everyone else is paying attention. Happy Thanksgiving!!
Credit card? I'm not sure either.
NM
Credit counseling
Yes, it does go on your credit report. I explained this to my banker that I had not had a problem before in paying my bills, just that I had too many. My banker reviewed my payment history and still approved the loans I requested. Each case is individual, and going through credit counseling may or may not affect your ability to get loans in the future.
Then, do not get any more credit cards,
bank in this country, go to the doctor at all, have insurance, buy a Dell computer, or do any customer service calling. Boycott .. look around they are everywhere .. ;-)
Credit checks
I totally agree. One's credit is personal bussiness and should not be a deciding factor of one's employment. I had several jobs fall through because of credit problems that I did not cause. My Identity was stolen some 15 years ago and I also had a child abducted. I have spent the last 10 years searching for both, my child and my life. I can live without my life, however without my girl I am finding each and every passing day harder and harder to live. MY credit score is now in the upper 600's (took 6 years to fix) which is not great but heading in the right way.
So to all you EMPLOYER'S, LET ONE WITHOUT SIN THROW THE FIRST STONE
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