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Charles Yacovazi

I can't wait to read more on this topic


Dear mr Yacovasi,

More stuff to follow, Do you invest in Distressed Debt Securities or Bankruptcies?
Steve V.


Just a few observations .I am not imsrpesed with all of the suggestions to check out Dave Ramsey or Suzy Orman's sites .from what I could see they are more interested in selling their books and programs then in helping you out.And even worse most of the info they give is already readily available in the internet. All you have to do is spend some time researching it.Credit Repair Services are a joke. They do the exact same thing that you can do yourself, and they charge you a very large amount of money. It also has a bad impact on your credit.Debt consolidation is a good way to go, but you need to be aware of the traps.What many people do is run up credit cards, then get a consolidation loan to combine the cards together and get their payments lower each month. The problem is they turn around and run up the now-empty credit cards again. The end result is they are twice the amount of debt, and end up filing for bankruptcy. I've seen this happen to dozens of people.As long as you understand this trap and can control your credit, go for it.If you need to find the easy way out, look for a non-profit credit counseling service that will help you out with all of these problems.


Debt consolidation can be a great way to start tkanlicg your debt – whether it’s just lowering your rates, getting a better loan, or cutting your payments to get debt free faster. It is important that you know what your options are and what your goals are before choosing a debt consolidation program or company.There is a chance that using debt consolidation services might affect your credit. Some debt management programs, like credit counseling, show up on your credit report. Some solutions, like debt settlement, don't show up on your credit report, but by definition cause late payments. Most debt consolidation services are there to help you get out of debt, not to sustain your credit report or credit score, so you should priorotize what you really want in seeking debt consolidation help.

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