I
INdebted
Guest
Hi,
I've read through (and I'm in the process of reading the rest) most of the posts in the first few threads here, a lot of great advice.
What I'm wondering about is whether or not there is a debt consolidation service available in Ireland. I don't particularly want to go to MABS yet as I'm not behind in my payments, I just have a long way to go with them.
Basically my situation is this, through bad management and some unforeseen circumstances I've managed to rack up a huge debt. Between 2 credit cards, a bank loan, overdraft and credit union loan I'm in debt to the tune of approx. €26K. In an average month I'm paying back around €800-€1000 off this but because of interest rates etc I'm not really making as much of a dent in it as I would like, and as soon as something comes up unexpectedly or out of the norm such as birthdays, xmas etc then I undo the work of the previous few months.
I'm going to try and get a new credit card with a 0% interest rate and transfer my balance attempting to clear it within the free period, but before I do I was wondering if there is a consolodation provider in ireland or if there is a better way of going about this?
Thanks for any help you can provide.
I've read through (and I'm in the process of reading the rest) most of the posts in the first few threads here, a lot of great advice.
What I'm wondering about is whether or not there is a debt consolidation service available in Ireland. I don't particularly want to go to MABS yet as I'm not behind in my payments, I just have a long way to go with them.
Basically my situation is this, through bad management and some unforeseen circumstances I've managed to rack up a huge debt. Between 2 credit cards, a bank loan, overdraft and credit union loan I'm in debt to the tune of approx. €26K. In an average month I'm paying back around €800-€1000 off this but because of interest rates etc I'm not really making as much of a dent in it as I would like, and as soon as something comes up unexpectedly or out of the norm such as birthdays, xmas etc then I undo the work of the previous few months.
I'm going to try and get a new credit card with a 0% interest rate and transfer my balance attempting to clear it within the free period, but before I do I was wondering if there is a consolodation provider in ireland or if there is a better way of going about this?
Thanks for any help you can provide.