Financial Problems
Results 11-20 from 3,181 articles
Paying off Debt
Asked by S.G. from Los Angeles
on December 21, 2010
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I am just curious if others here are in CC Debt? What has worked for you to pay it down, especially if your living paycheck to paycheck. How much debt aprox have you ...
Answers
- There are many things you can do, I am not an expert and can not give you any legal advice, but I do have a degree in Economics am finishing up my law degree focusing...
- Definitely Dave Ramsey. The man is a financial GENIUS. Follow his system (easy to understand, hard to DO) and you'll be debt-free in no time!
- we are doing Dave Ramsey Total Money Makeover and I'm a stay at home mom of two and run a daycare so I don't make much but we have 19000 in cc debt and just paid off o...
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...
Debt Advice?
Asked by K.M. from Chicago
on January 17, 2010
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Another question...Here is the situation.
My husband and I....well, mostly me, actually...are in a terrible amount of debt. We have a meager savings, but otherwis...
Answers
- Look at your budget very carefully. I know you said you don't spend frivilously, but now is the time to look at EACH little expense. Do you go out to eat? Stop. Ar...
- Call up the folks in charge of your college debt and relay this information and ask them for a break of some sort. Your great-grandparents would put your claims of ...
- I also recommend the Dave Ramsey books--from the library (free!). We were in a similar situation a few years ago and from his advice (very easy to follow) have paid of...
Where Can I Finance Furniture with Bad Credit
Asked by T.K. from Dallas
on September 18, 2010
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I need a new bedroom set, but my student loans have demolished my credit. I don't want to rent to own. I just want to buy nice, good quality furniture and make payme...
Answers
- You sound like a generous person, and I'm sure you deserve something nice for yourself. But do you really need a matched set of furniture? I sure don't mind the look...
- I don't want to sound like I'm judging you, but if your credit is bad because of student loans, why not use the good income you have to just knock them out (pay more t...
- A rent to own place might be your only option w/ bad credit. With this economy stores have really tightened down on who they give credit to. I did a rent to own before...
How to Get Out of Debt?
Asked by M.W. from Kansas City
on May 12, 2007
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This really isn't a question as much as it is me venting. My husband and I both work full time, but don't make a lot of money. We only have one child, who is almost 18...
Answers
- These questions always get a ton of response...because most of us live paycheck to paycheck. It sounds like you are on a right track by having a plan to take care o...
- Ok M., I have a business opportunity for you that you can do on the side of your full time job. I am literally in the same position as you, expect my husband and I hav...
- Check out www.daveramsey.com . My husband and I are doing the dept snowball and in 27 months we will be dept free (except the house) That includes our 17,000.00 car lo...
Debt Consolidation Is It Worth It/does It Work???
Asked by O.G. from Sacramento
on August 28, 2009
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I am currently in a lot of debt and looking at the possibility of using a debt consolidation company. Does any one have experience with them and can you tell me what t...
Answers
- I joined CNI a few years ago and they negotiated a good portion of my debt away. Look into them too, I cancelled all my cards and have bad credit for a few years but...
- Hi there, We looked into this last year when we encountered some of the same problems. You have to be really careful about which companies you go with - there are man...
- Several years ago I went with Consumer Credit Counseling and had a great experience with them. I learned my lesson and, as great as my counselor was, I plan on never ...
Husband's Bad Debt
Asked by C.J. from Tampa
on August 11, 2010
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My husband has bad credit. He seems to believe that it will simply go away one day and he will not have any worrries. I am currently unemployed and I'm a stay at home ...
Answers
- just to let you know the post below about filing for bankruptcy affecting both of you is not true. i had the bad credit in my relationship, and i ended up filing for b...
- You are man and wife and his debts are your debts in the eyes of the law and in the eyes of God. I would however, cut up or cancel any credit cards and if you can't s...
- If you are involved with a church, please go there to talk about it. They have sources that can help. If not, you all should go to a credit counselor. Bad credit ...
In So Much Debt
Asked by C.P. from Memphis
on January 10, 2007
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I'm barely can make min. pymnt on my creditcard pymnt. I'm in soo much debt and don't know what to do. I am so depressed, anyone with any ideas that can help me get ou...
Answers
- Have you considered transfering all balances to a 0% credit card? My credit union is running an ad for 0% interest on all transfers for a year. Then, if you still ha...
- Hi. First (if you haven't already) you should work up a budget to see what income your family has and then write up all of your bills and see how short (if you are sho...
- In this case, you have three options; 1)refinance your home, if you own it and IF you have equity. But, in order to get the best rate you need to act BEFORE you are l...
Paying off Debt
Asked by J.E. from Boise
on January 14, 2009
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I am considering using a family financial planning company to help me get my credit card debt under control. I understand that they deal with the credit card companie...
Answers
- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
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...
