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Consolidating credit card debt affect on credit rating

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While you’re in the program, you won’t be able to use your credit cards or open new ones.The plan is designed to get you out of debt in three to five years, after which all of your accounts should be reported as paid-as-agreed.The latter might come with a zero percent introductory interest rate, giving you several months or more to pay down your balance interest-free.

You’ve got several options when you make the decision to eliminate debt.

In reality, credit card debt forgiveness is rare and tricky, and can be very costly. Then you have to convince your creditors that you don’t have the means to repay your debt and your situation isn’t likely to change.

If you manage to work out a debt settlement agreement, the creditor is all but guaranteed to report your forgiven debt to the IRS. The amount of tax you owe on the forgiven debt depends on your adjusted gross income and your tax rate.

Debt consolidation companies like National Debt Relief and Freedom Debt Relief offer to help you through the process for a fee (eating into your savings).

They will instruct you to stop paying your bills, which leaves you open to lawsuits by your creditors.