Credit Counselor: Myself
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Marriage Counselor
Asked by M.B. from Kansas City
on November 22, 2009
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Hi Mamas,
I'm just wondering if any has gone to see a counselor and if it helped or hurt? If you know a good one or if the fact that needing to see a counselor is a s...
Answers
- mort fertel mortfertel.com
- Hi M. I wish someone would have told me that being married was something you had to work on all the time! I think seeing a counselor or talking with your pastor mean...
- counseling is not a sign of the end. It's an act of unselfish courage for both the husband and wife. It takes trust, dedication and an ability not to judge as you open...
Marriage Counselor
Asked by S.J. from St. Louis
on March 2, 2011
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For those who have gone, either alone or with your DH, how did you decide which counselor would work best for you? What questions did you ask and what qualities did y...
Answers
- I went off a recommendation from my pastor. I didn't have any specific qualities, just the general vibe. My husband says I can talk to a wall, so we based our decision...
- I went into counseling when I was in my 40's. I am a domestic violence survivor, been homeless, broke, no good relationships etc. I learned a lot about my negative b...
- Counseling is the greatest, good for you both! I found ours on www.aamft.org ... his profile fit what we needed, and lucky for me, my fiance likes him and trusts him....
Credit HELP!!!!
Asked by M.H. from Lima
on October 11, 2011
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Hello :) My husband & I have been working VERY hard to get his credit straight to buy a house. We've been working on this for TWO YEARS. We called a loan officer today...
Answers
- One thing I haven't seen mentioned here in the replies is that you can go to www.AnnualCreditReport.com and get one copy of your credit score from TransUnion, Equifax,...
- My honest opinion based on your last comment is to pay off credit card debt and shut down all but one card and pay it off monthly. When u do that plus save 20 per dow...
- I just want to point out, A. you can get credit based on Household income, even if you don't work. I have awesome credit, and actually everything is in my name but I ...
Credit Cards
Asked by D.D. from Detroit
on June 29, 2010
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has any one every called credit card company to ask to lower balance so you could pay card off? if so, how much was reduced?
Answers
- I tried w capital one and they flat out said no. I asked to speak to the manager and they said no also. My sister however had good success, they were having financial...
- It really depends on the cc company. My husband called over a year ago when his cc was bought out by Chase and asked for tehir help. they put him on an interest free p...
- Just call and ask... Don't settle for the first answer - ask to speak to a supervisor and another and another until you get the answer you want. It doesn't hurt to ...
Credit Help
Asked by M.D. from Dallas
on November 18, 2011
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Hi,
I would like to get any advice or suggestions on how to handle credit problems. Unfortunately, my husband was unemployed for several months, of course that too...
Answers
- If you are in the DFW area (they may be able to help even if you are not) then you should contact raiseyourscores.com. My insurance agent recommended the service. I ...
- The best thing you can do is find a Financial Peace University class at a church near you. If you can't afford the class, you can get the book "The Total Money Makeov...
- Hi M., I am a licensed Mortgage Advisor for 13 years in the DFW area and my entire practice is centered around Financial Wellness and recovering from financial trauma...
Credit Card Debt
Asked by J.L. from Chicago
on October 6, 2010
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anyone have any experience with credit card consolidation? Are credit card debt is starting to be too much, and we can't use a equity loan to help may down are debt. I...
Answers
- You must read Dave Ramseys Total Money Makeover!! This book transformed me and my family financially! I was in your position a couple of years ago when I saw someone...
- Dave Ramsey changed our lives!!!!!!! I cannot say enough good things about it. We had a lot of credit card debt and I felt like I was the only one worrying about it....
- Hi, I had my debt consolidation done last year using the equity, and it did not reflect bad on my credit whatsoever. Infact all the debts were combined in one and my m...
How Do I Fix My Bad Credit?
Asked by A.W. from Dallas
on April 20, 2008
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I am a single mother of 3 kids and I want to buy a house for us. But I have bad credit. Iv never bought a house before so things like that are not on my credit. My ki...
Answers
- Without knowing the particulars of your credit, whats on it and how long it's been there that is a hard question to answer. I would reccommend contacting consumer c...
- Hello, A., I am a Realtor and I do not recommend that you call consumer credit counseling. That will show up on your credit as a red flag to mortgage lenders. I have ...
- Sounds like you need advice from Dave Ramsey! Try www.daveramsey.com. You can listen to his radio show weekdays from 1-4pm on 570am KLIF.
Seeking Counselor ASAP
Asked by C.S. from Dallas
on November 11, 2008
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I am looking for a couples counselor. My husband and I have decided that we need some help dealing with our problems and I'm afraid if we don't do something soon we w...
Answers
- It's been said that if anyone can save a marriage in Dallas, it's Ellaine Sullivan. She has a home office in Farmers Branch as well as an office off of Hillcrest an...
- Dr. Paul Bowles near 635 & Hillcrest has been a great help to me and a number of couple-friends. I don't think you will find many counselors that will tell you "the a...
- Carolyn Lohman ###-###-#### My husband and I have gone to her for almost a year now and she is great. She takes our insurance and it costs $35 a visit. We've made a...
Credit Card Debt Consolidation
Asked by C.C. from New York
on May 21, 2009
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I am wondering if anyone has any experience with credit card debt consolidation/ elimination/ negotitation. What were your experiences? And if so, what company/ websit...
Answers
- Have you tried snowballing or debt stacking your debt? To many of those companies ruin your credit by placing notes on your credit report, I know thats not importa...
- just make sure you pay NO money up front
- Call the credit card companies yourself - request they give you a lower interest rate or tell them you will close the account and transfer to a lower interest credit c...
Bad Credit Help!
Asked by L.S. from Jackson
on February 28, 2008
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My husband left me with a horrible credit score. and debts unpaid sitting on my report. how as a low income single mother do i fix this? help!
Answers
- Take care of your daily needs, but if it's something the you need and your credit history won't let you then I would call a local credit consulting agency to her you g...
- I would recommend reading books by Dave Ramsey and Todd Coontz. They have good advice that's helping me to get control of my debt too. Good luck.
- I'm no expert but I would suggest making regular payments on all debts. No matter how small the payments, as long they are regular it will show good faith effort. It...
