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All Debt & Debt Consolidation Questions

Updated Feb 09, 2010

Q: Trying to Get Out of Debt    —Denton, TX

"Does anyone out there have personal experience with trying to getting out of credit card debt? I was wondering if I s..."

Answers:

Here's another vote for Dave Ramsey. We've been following his program for a year and have made a big dent in our debt. It's taking time, but it's a great feeling to ...

Hi H., I think our country, especially middle and upper-middle class families, are going to have to take a good hard look at the spending habits we have engaged in ...

16 more answers >>

Q: Help for Debt Problem    —Chicago, IL

"Can anyone recommend the best way to get out of debt? A close friend of mine is looking for a way to start paying off..."

Answers:

My Hubby is a VP and does the debt consolidation and he works for citigroup. If your friend refer my name, the analysis can be done free. And you can decide your ne...

You have gotten some really great answers here but I wanted to throw out a financial author who I really like that she could use by itself or in conjunction with a deb...

12 more answers >>

Q: Collection and Medical bills................HELP!!!!    —Allen, TX

"3 weeks before giving birth to my son my insurance changed(by my employers, had no say since it's fully covered by th..."

Answers:

If you constantly had some insurance, even if the company changed, your new insurance is required to cover the expenses from your birth. They'll say that they don't h...

Sorry to hear about the medical insurance change over and the impact it has had on your life. I know of people with similiar situations that were allowed to be carried...

1 more answer >>

Q: Need a Reputable Debt Consolidation Service/company    —Cleveland, OH

"Hello Moms! I was wondering if anyone has ever used a debt consolidation service/company. I recently split from m..."

Answers:

what getting a debt consolidation loan? pay all the cards off and then jsut have 1 payment...hopefully witha decent interest rate. i tried one of those credit couns...

I work for a bankruptcy attorney, and have seen this over and over again. I want to urge you to use Azalia's advice below, because what happens with most debt reducti...

20 more answers >>

Q: Help Please!    —Spearfish, SD

"OK I am a single mom going to school and I got behind in my bills, then in May I got laid off for the summer and my r..."

Answers:

I'm thinking they have to give you thirty days, I'm not sure where you live though. My thinking is that you need to calm down and just relax ( I know its easy for me t...

How are you now? I just saw your request, but I think that I can help. I can offer you a career opportunity where you make your own hours and work less hours and make ...

14 more answers >>

Q: Marriage and Dealing with Money    —Somerset, WI

"Well- I'm new to this site, but I can really see myself relating to so many of the questions and concerns that all..."

Answers:

Your husband needs help. If he doesnt want to listen to you he need to seek professional help. GOOD LUCK

M., Close those credit cards! Maybe keep one hidden away for an emergency. But get those credit cards out of your husband's hands! Or call your creditors, have them l...

22 more answers >>

Q: Need Information on Debt Consolidation    —Wyoming, MI

"I WOULD LIKE TO KNOW THE BEST COMPANY TO GO TO TO HELP ME GET MY CREDIT STRIAGHT ANY INFO WOULD HELP THANKS K."

Answers:

I would call around, or ask your bank or credit Union. Just becarful. Alot of places will offer you more money than you need, and that only gets you father into debt. ...

Hi K., I don't have any advice for you but I feel your pain. My husband and I are struggling to make out bills. Good luck. Chris

10 more answers >>

Q: Debt Consolidation Anyone Done This Before ?    —Leechburg, PA

"Hello Moms, I have been researching online about debt consolidation and am still confused. I have a lot of chargeof..."

Answers:

I am doing that now, I did a lot of research too, I did find a company that seems to be ligit, we have had no problems with them so far. I belive we are using Freedom...

Another Dave Ramsey fan here! My husband and I are totally debt free (including no mortgage), thanks to working multiple jobs, cutting spending, and bargaining with c...

17 more answers >>

Q: How Can We Get Out of This Circle?    —Denton, TX

"Hi ladies, I really need help. My husband and I are in serious financial trouble. A couple of months ago, my husband..."

Answers:

First, I agree with some of the previous posts--cut up those credit cards (and go a step farther--call and cancel them with the company)!!! Credit debt is not necessa...

Oh S.. I know what you are feeling all too well. Have you seriously thought about claiming bankruptcy? It sucks and doesn't look good on the credit report either bu...

115 more answers >>

Q: Any One Declared Bankruptcy.    —Cleveland, OH

"My husband and I are thing about declaring bankruptcy and wanted to see if anyone else has and how it affect them? W..."

Answers:

Although I don't have this problem (although my husband would say I spent too much!) I was wondering if you have ever thought about those debt consolidation programs? ...

Yes I have and I don't recommend it to anyone. Its a last resort. Everybody's situation is different. How many cards do you have? What is the total amount of all the c...

12 more answers >>

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