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posted to Financial Advisors on 10/08/08 09:10 AM, Yonkers, NY 10703

I owe 20,000 in credit cards. How do I seek better terms and or combine balances in one or two cards?

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Answered By

Lanzana Advisors, 10/09/08 06:53 AM

Lanzana Advisors
Po Box 222
Pleasantville, NY 10570
914-206-5115
info@lanzana.com

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First thing you need to do is set up a monthly budget and determine how much you can dedicate to paying down this $20k, while eliminating any additional borrowing.

Typically, consumers with very good credit will receive promotional offers from banks that promise low balance transfer terms. Sometimes these are good deals, sometimes they are not as they seem. If you receive these offers, be sure to check; 1) Amount of transfer fee (usually 3%, but they may cap the amount if you ask), 2) Term of promotion & 3) Be sure it does not require a purchase to activate the promotional rate.

Rank ALL your debt highest to lowest by the RATE that you are paying. Pay off the highest amounts first. DO NOT BUY ANYTHING WITH THE NEW CARD AFTER YOU COMPLETE THE TRANSFER.

If you are not eligible for a balance transfer focus on paying the highest rate balances first. If possible, borrowing money (with interest) from a family member to pay down your debt can help you raise your credit score! If you were to pay off the entire amount, your score would likely rise and possibly trigger some transfer offers from banks.

Contact me if you need help with setting up a budget and structuring a family loan. Good luck!

William Lanzana

Lanzana Advisors

www.lanzana.com

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