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I recently contacted Myvesta to try and help me with my current situation, (for insight on my situation, look at my other thread) and they said they could get me out of my situation with their plan, but that it would cost me $3000. Are they worth $3000? Please let me know what you think.
thanks
Matt
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I recently contacted Myvesta to try and help me with my current situation, (for insight on my situation, look at my other thread) and they said they could get me out of my situation with their plan, but that it would cost me $3000. Are they worth $3000? Please let me know what you think.

No.


If you really feel you can't do it yourself and need credit counseling help, use the original Consumer Credit Counseling Service.

Much cheaper. They will also help you establish a good budget.

Ishtar
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I recently contacted Myvesta to try and help me with my current situation, (for insight on my situation, look at my other thread) and they said they could get me out of my situation with their plan, but that it would cost me $3000. Are they worth $3000? Please let me know what you think.




Heck, I've got a plan to help get you out of your situation for half that. Want the address to send the check? It's basically everything you'll read here on the board but since you are thinking about paying someone for it, I'm willing to cut and paste. ;-)


Seriously, I don't see where they could do much more for you than you can do for yourself with a little help from this board, some patience, time and discipline...for FREE.

They "might" be able to get CC companies to lower APR's and minimum payments, but you "might" be able to do that too by just calling them and explaining your situation. Loss of job, new employment, cut in pay. They may be willing to work with you.

How are you doing with your budget and cutting expenses? What did you decide on selling your truck?


And like Ishtar posted. If you feel like you lack the discipline to do it yourself and want someone else to oversee your repayment plan, at least go talk with one of the free CCCS programs first.

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It sounds like they want you to go in for that 'crisis counseling' or bankruptcy alternative plan. Their fees are exhorbitant, and really, you can do most of it yourself.

Is it worth it? No

Thren
was thinking about myvesta till she became a fool
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I have a friend that used myvesta and was happy with them. Would I personally shell out that kind of cash for a service like that? No. What specifically will they do for you that you cannot do for yourself?
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I should add that my friend knew she could some stuff herself, but it was very stressful for her, so she basical paid myvesta for peace of mind. It was worth it to her. She had nothing but good things to say about them, so if I were to pay money to a group, myvesta would be on my list.
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Nah, use that $3K directly to fix the problem. Or, like Ishtar said, if you really want to use a credit counseling service, use CCCS. They'll be more reasonable than Myvesta.

I don't know if anyone has asked you yet, but can you post your minimums and the interest rates and the balances you have? And what's your cash flow in, I think it was $2300 a month? If you get out from under your truck, it's a $500 snowball, which believe me, is not bad. I just don't know if you are making enough to live on and pay the minimums on your cards right now, that's why I'm asking (and why getting out from under that truck payment seems like a high priority). Anyway, details will help people give you better advice. (I know it's personal, but I'm not asking to be nosy, I'm asking so people can help you better and give you specific things to do, or try, or think about.)


--Booa
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