You also get the added bonus of financial education and support from a certified credit counseling service so there’s a lot to gain from a DMP.The only real downside is that your accounts are frozen while you’re enrolled, so you have to learn to live without your credit cards – but on the other hand, is that really a bad thing considering your credit cards are what got you into this situation in the first place?
Although Victoria County Commissioner Gary Burns supports studying a merger, he sees a downside if someone who is not qualified gets elected to a sheriff's office with that much responsibility."Right now, we have the people who could do it, but that doesn't mean the next election we will," Burns said.
While the sheriff's office did a good job, Craig said, there were issues with aligning priorities."There was, at times, a disconnect between what the city's priorities were versus the county's and sheriff's," Craig said.
In Victoria, the two agencies share some resources, but Craig said there is little duplication.
Still in the right circumstances, you can qualify for a new credit card that offers 0% APR on balance transfers for up to 24 months.
That gives you two years to pay off your debt without any interest added.