Is Capital Direct a good company, we are planning to use their services for debt consolidation purpose. Help.?

We need advice pls, or any good ideas pls. Is equity loan taking safe.

I just want to add that there is nothing a debt consolidation company can do four you that you cannot do yourself. You are in a position to speak directly with your creditors and ask them for options. You might be surprised with their responses. Learn what you can about debt management and then form a calculated presentation for your creditors to repay the debt. Once this is done your credit rating will remain intact, you will feel better and you will save money. My profile under debt has more information.

If they have a lot of fees and changing rates, I would shy away from them.

Get a loan thru a credit union such as Patelco (Google it). They are very liberal lenders with no extra fees and decent -- fixed!-- interest rates.

Depending on the amount of debt you are consolidating, they offer a Visa Gold credit card at 8.9% with up to 50k limit(no bs fees, min payment 1.5%).

If that doesn't suit your needs, you may be able to explore other options with a credit union.

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