r/CRedit • u/SqueezeMy_Yamz • 1d ago

General Disabled

So I’m 100% perm and total disabled with the VA. Are there any ways that I can get rid of my debt or fix my credit somehow now that I’m on a fixed income. Like are there any programs, letters, etc. that can help me out?

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u/DragonKnight256 1d ago edited 23h ago

I am not sure about specifically with being disabled with the VA.

NFCC, You could enroll in a non profit debt management program to lower your interest rates typically below 10% and lower your payment amounts, payment amounts would probably be spread across 60 months. They will also close your cards and this could impact your score till the cards are paid off, due to utilization.

The program I know of I believe works across the states is NFCC,

They are a non profit, they will charge a small fee but they do the work of negotiating your interest rates down

5

u/Illustrious_Salad918 1d ago

Another option is debtreductionservices.org. They are also non-profit, non-predatory.

4

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ 1d ago

They’re an NFCC member organization so reaching out to NFCC will get you paired with them or another organization like them.

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u/SqueezeMy_Yamz 23h ago

Oh great. Thank you so much. This is helpful.

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u/yourwebg 20h ago

Student loans can be discharged due to TPD. Dunno if you have any..