Does dealing with them destroy your credit for a long time or temporarily ?
Are there any good companies out there ?

they are in the game to make more money off you,

I am having credit card debt and regularly paying the payment in time. Still I have doubt that how much should I contribute for the credit card debt each month?

The contribution to the credit card debt, that depends on your income. We can not say the fixed amount. The monthly payment also depends on the debt situation and the budget of your family. Try to maintain the proper payment each month and increase the ratio of the payment according to your budget plan.

I want to get some tips to eliminate credit card debt. How I can I avoid the credit card debt? Can I maintain zero balance in credit card?

No, the zero balance will not eliminate your debt. It is not a good idea to eliminate your problem. First you should control yourself to avoid the credit card debt. First try to live on the money in your pocket. Calculate your expense and spend according to that. Always try to pay ready cash.

My husband and i would like to sell our place and buy another place,however our debt income ratio is too high right now.
What would be better to pay off to lower our debt to help us move. Would it be better to pay off all our credit card / loan debt or one of our vehicles?
all our credit card/loan debt equals to around $10,000 and our vehicle is about $25,000

Thank you all for your help
i should also add that our credit card interest rate on everything is 19.9 % and up and our vehicle interest rate is 15%

As mentioned - it’s best to pay off the higher interest as it would cost you more money that you otherwise wouldn’t pay.

I’m a little confused however - do you have enough to pay off the full amount of the car? if you do, then maybe fully paying off the car would be your best bet to get that new house. no car payments = bigger repayments on your credit card AND your debt to income ratio will change more significantly.

You also have to understand that debt - does not mean you will have a low credit score. Missing a payment does however lower it.

Maybe holding off on a another house and upgrading your current one may be a better option for the time being. Let the market come up a little, and have a better valued place to sell may work in your favor.

Best of luck!

creating a new contract to replace the first
A Novation is a new agreement and is recognized in the law. The definition of Novation from Bouvier’s 1856 law dictionary illustrates:

NOVATION, civil law. 1. Novation is a substitution of a new for an old debt. The old debt is extinguished by the new one contracted in its stead; a novation may be made in three different ways, which form three distinct kinds of novations.

2. , The first takes place, without the intervention of any new person, where a debtor contracts a new engagement with his creditor, in consideration of being liberated from the former. This kind has no appropriate name, and is called a novation generally.

Your Novation Contract substitutes a new debt (zero) and a new engagement for the one claimed by the credit card company.

EVERY credit card company uses the novation contract process. Any time you get a Notice of an update to the terms and conditions of your credit card agreement, this update is in fact an offer to enter into a novation contract (a new agreement). When you use the credit card after receiving the new update, you have agreed to the new terms. Your act of using the card is an acceptance of the new agreement. How else could they change your credit card agreement? Insurance companies use this also, such as when you have a claim for $20,000 for damage and they send you $3,000.

YOUR CARD DISPUTE AND NOVATION

You can use the same process to enter into a new agreement with a card company, under your terms and conditions, by making the company an offer, which it can accept with an act. Simply, you send the card company a check for some amount, say $25, with the stated condition that by accepting the check, it agrees to your new terms and conditions (your Novation Contract). When the card company accepts the check by cashing it, it has agreed to your new Novation Contract. And you eliminate credit card debt in a simple, legal procedure. Get out of debt by using their law to your advantage.

Your notice of debt dispute and Novation Contract is designed to do the following:

(1) Bind your credit card company to the terms and conditions of your Novation Contract which include but are not limited to:

a) the cancellation of any and all prior in-force agreements;

b) its admission that the debt and all prior agreements are now paid in full;

c) its waiver of all claimed right of arbitration against you;

d) its obligation to report the account in dispute as “paid as agreed” to credit reporting agencies;

e) its agreement to not take any collection activity against you and to inform any assignees of the account that it has agreed that the account is “paid as agreed”;

f) the requirement that it verify under oath the amount of debt you allegedly owe in any correspondence to you; and

g) its agreement that any breach of the terms of the Novation Contract by them will injure and damage you and that it will be liable for all damages;

(2) Upon notice, bind any and all collection agents of your credit card company and third party collection companies to your Novation Contract;.

(3) Establish a legal basis for a claim of zero liability for the disputed credit card account;

(4) Establish a legal basis for declaring invalid any and all allegations of debt made against you that are associated with the credit card account and sent through the U.S. mails;

(5) Establish a legal basis for claiming injuries and damages should the credit card company or any collection agency breach the terms and conditions of your Novation Contract; and,

(6) Destroy any legal basis for the credit card company or any collection agent to ignore your card dispute and Novation Contract by your:

a) choosing and using a procedure permitted and recognized by contract common law, the Uniform Commercial Code, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act;

b) establishing the card company’s obligation and third party collector’s obligation to verify under oath the amount of any debt they allege you owe;

c) removing any controversy between your demand for verification of any alleged debt and any and all presentments by third parties containing unverified allegations of debt against you; and,

d) removing any presumption that you willfully avoided a known debt.

They are not stupid. They will not accept a check that you send "with the stated condition that by accepting the check, it agrees to your new terms and conditions (your Novation Contract)." When the card company rejects the check by not cashing it, it has reject to your new Novation Contract, and it will charge you a late fee because of your failure to send a check without conditions. And they keep you in credit card debt in a simple, legal procedure.

A Novation is a new agreement and is recognized in the law. The definition of Novation from Bouvier’s 1856 law dictionary illustrates:

NOVATION, civil law. 1. Novation is a substitution of a new for an old debt. The old debt is extinguished by the new one contracted in its stead; a novation may be made in three different ways, which form three distinct kinds of novations.

2. , The first takes place, without the intervention of any new person, where a debtor contracts a new engagement with his creditor, in consideration of being liberated from the former. This kind has no appropriate name, and is called a novation generally.

Your Novation Contract substitutes a new debt (zero) and a new engagement for the one claimed by the credit card company.

EVERY credit card company uses the novation contract process.
http://www.real-debt-elimination.com/debt-elimination/eliminate_credit_card_debt_by_novation.htm

After adjusted fee’s and interest!

None. credit card debt reductions companies charge you money and do not reduce your debt.

I know there are a lot of scams out there, but does anyone know a legit site that will help get credit cards paid off. Preferably without requiring the cards be canceled.

To avoid being scammed make sure the firm you chose are part of the BBB network!

I have massive credit card debt and am contemplating bankruptcy. I am current on all accounts but my work is going down the tubes. Paying the minimums is a road to nowhere, my rates have increased sharply over the last few months.

Good luck trying to do that without destroying your credit.

I have about 30K in credit card debt and I have good credit. My payments are about $800.00 a month and I want to eliminate my debt fast. Should I consolidate my credit card debt, or will that ruin my credit? I appreciate your help.

First and foremost check with a reputable credit service in your area - they are usually free. Don’t make any moves without first doing your homework on this. You’re on the right track with wanting to do something right, but do some research with Consumer Credit FIRST! Also, call the credit card companies and ask them to lower your interest rates, and if not, then you are taking your business elsewhere.