Credit Counselor: Toddler
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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 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 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...
Credit Card Debt Help/advice
Asked by L.P. from Chicago
on August 20, 2009
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Hello. I am just interested in hearing anything you ladies have done to help with your credit card debt. I have quite a bit built up on my card. I am able to make min...
Answers
- I tried a debt settlement company and all they did was take my money and the settlement amounts weren't anything I could do. They wanted 3 payments of $3000 over 3 mon...
- I too would suggest Dave Ramsey. If you live in Lake County he is on the radio at 1220 am from 1-4. His Total Money Makeover book changed our entire way we look at m...
- I am not sure what your debt is, but I can only tell you our story, we had about $10,000 in credit card debt, the collection calls were depressing me and we were going...
Suspicious School Counselor
Asked by R.W. from San Francisco
on October 30, 2009
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I want advice on dealing with an overzealous elementary school counselor.
Ultimately we want to cancel the counseling, so I am wondering how to go about this without ...
Answers
- Hi, There are crazy controlling people in public schools these days. They have political agendas. They want to run everything and take over the parenting of children....
- Hi R., I hear the discomfort with someone in your personal affairs which comes with help at times. There was a foundation for getting service. He sounds like he...
- I am a medical professional, so I can tell you that in most states it is demanded by law that we investigate or report any child situations that seem neglectful, etc. ...
I'm Getting Married to a Man with BAD Credit
Asked by C.E. from Jackson
on June 2, 2009
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I love my fiancee' very much and cannot wait to marry him. Quik question though. His credit is not swell and he owes out a fair amount of money. That we cannot afford ...
Answers
- Hey C., My advice is to seek legal advice about protecting yourself. I always swore to marry someone who cared about their credit and debt as much as me. I just f...
- The laws have changed a bit, but you might want to consider bankruptcy for him if you're talking lots (over 10k). This worked for us, but we still borrowed some money...
- As long as you apply for future items in your name you should be fine on a credit application. The only problem will be that in that case EVERYTHING will be in your n...
21 Month Old Still Not Talking
Asked by S.S. from Des Moines
on March 12, 2008
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My son just turned 21 months old at the end of February & he just started "repeating" mama back to us when we ask him "Can you say mama?" I am told & have read that b...
Answers
- Hi, S.- you need to contact your areas early education intervention asap- if ur little boy is only just saying his first word, there is something wrong... the sooner y...
- Have you considered taking him to an audiologist or speech pathologist? My son went through the same ordeal and we noticed by the time that he was about 20 months he w...
- I was glad to see your request. Well, you are not alone. I have a 21 month old as well that says maybe 8-10 words inconsistently. Has your child a history of ear in...
I Am Failing... I Need a Financial Counselor!!!
Asked by P.H. from Phoenix
on May 27, 2008
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Ok, the only reason why I am telling you all this is because nothing is changing, and I figure that mabey someone is going to read this, who knows exactly how I feel, ...
Answers
- Hi P., I think it's terrific that you recognize you need help getting a financial plan for your family. Don't berate yourself for not getting it right and there's ...
- I was once in your position. A great book or Movie to watch that really helps in "The Secret". Your mind is really is really in control of your well being. I am 28 yea...
- Hi Pricilla! I know how frustrating finances can be, and we feel the stress of it too. I'm by no means an expert, but I can pass on some advice I've received. Fi...
