Repairing Credit
Results 81-90 from 1,284 articles
Student Loans - What Would You Do
Asked by T.K. from Dallas
on January 26, 2011
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I had a rough exit to college and it has spawned 2 problems. Yes, I'm an idiot. Don't judge! You don't know what I was going through. I just need a logical person w...
Answers
- Did you look into a Hardship Deferment? I am not sure if you are eligible since you are already in default, but when I first graduated college (back in 2000), I was e...
- I highly advise that you DO NOT REHAB. Here's why... 1 - I'm 99% sure that it will not be deleted from your credit. 2 - You do not have a plan or the ability to m...
- First off, you are not an idiot. We all make money mistakes. I'm not really sure what to tell you about the rehab vs consolidation (although I think consolidation - ...
Way to Far in Debt
Asked by J.K. from Billings
on July 28, 2007
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OK here goes my husband was laid off last Oct. and was off for 4 months needless to say in that time we got behind on some bills ok all bills and had to rely on credit...
Answers
- J., My husband and I have been living credit card free for almost 2yrs now. We went to Consumer Credit Counseling Services of Nebraska (CCCS). We are on a three year...
- Dear J., So proud of you for reaching out for help! This is what I would tell a good friend or family member if they had shared with us what you have: That wou...
- J.- Below is my response to another mom a few months back. It may feel like the walls are closing in on you right now, but believe me, with a little help thing do get...
Paying off Old Debt
Asked by L.B. from Dallas
on February 13, 2007
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So I recently pulled a credit bureau on myself and my husband and found multiple utility bills that he never paid before we were married (that was about 6 years ago). ...
Answers
- Hello, my name is R. I amja Certified Credit Counselor and worked as one for 2 years. THose Utilities from 2001, leave them where they are, they are getting ready to f...
- L., my husband and I work for Freedom Debt - a debt settlement company...yours is past the statute of limitations in Texas so I can't really help you but would advise ...
- My mother-in-law had an issue with a catalog company on a bill that she paid back in 2000. They said she didn't, she said she did. She had ripped up her receipt year...
Debit Cards
Asked by L.M. from New York
on October 16, 2010
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Just curious... I've always hated the thought of debit cards. I've never used one. To me it just doesn't make sense. It's too much work to keep track of everything...
Answers
- My hubby and I are JUST like you...we earn up to 5% from using our Amex...so they pay me to use the card, I earn interest on my money in the bank...we ONLY use the deb...
- I would definitely switch banks give the monthly service fee, there is so much competition. As for the CC issue, I NEVER use a debit card, I am with you don't want...
- I dont have a credit card, I use my debit card. I balance my checkbook every day that I use my card, and it keeps me from spending more than I can afford to.
Divorce and the Car
Asked by J.W. from Tampa
on September 8, 2006
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I am thining about getting a divorce with my husband, but i am very scared! I got him a car that is soley in my name, but he drives it and pay for it, for the most par...
Answers
- First, get a hold of Bay Area Legal before you try the "Do It Yourself Divorce". They can help and the cost is based on your income. Next, I advise you to take the...
- Unfortunately, putting that he is responsible in the divorce papers will not protect you or your credit. The bottom line is that it is in your name and so long as any ...
- hi lynn, well my divorce was finalized 2 days ago after fighting for two years! as for the car IT NEEDS TO BE TAKEN OUT OF YOUR NAME IF HE IS GONNA KEEP IT! NO IFS AND...
Bankruptcy
Asked by C.S. from New York
on October 6, 2010
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We are considering filing for Bankruptcy. We had a rough year in 2007. Now we have mounting bills. We ranked up quite the large electricity bill. The fees and interest...
Answers
- I completely agree with Brenna M., she is right on the money in explaining that in the long run you'll be paying much more. Also, let me be frank with you. I under...
- Call the credit companies and tell them that you can't pay it off because of the interest rates, and therefore you will file bankruptcy. They will work with you, they...
- I know a few people who have gone the bankruptcy route. You say it'll be on your credit for 10 years, reality more like 15. Yes, it'll show on your credit reports, b...
Husband’s Business Was Not Successfully
Asked by J.L. from Kansas City
on September 30, 2010
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My husband started a business five years ago. It was buying real estate and turning it into rentals. I supported him in every way. He refinance the propteris to have m...
Answers
- No one wants to file for bankruptcy- from what I understand it's an incredibly invasive and agonizing process. However, you and your husband should meet with someone ...
- If he works all the time where is the money he is making? It sounds to me like he was not very reasonable in his efforts to starts a business and now he wants you to c...
- J. L. I suggest you meet with a financial advisor, or at the very least your accountant. Never mind the credit which is really important specially in his line of wor...
Need Dental work...but Its Sooo Expensive
Asked by A.I. from Dallas
on June 30, 2008
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ok so i have dental insurance...but they only pay 1500 a year...and i have alot of dental work that needs to be done...and my credit is too bad to get it financed.. no...
Answers
- I know the feeling. Dentists and teeth can be very expensive. We've switched Dentists and found there is a credit card called CareCredit. You apply for it and it ...
- i completely understand what you are going through! i've had some major work done recently and our insurance only covers $1,000 per year. it is miserable. but, i we...
- AmeriPlan can help you in this. AmeriPlan has the largest discount medical/dental provider base in the US. Most of the time it can be used in combination with insuranc...
Can Anyone Help??
Asked by K.S. from Dallas
on June 4, 2009
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Okay, here goes. My husband and I have been renting a house for the last year and a half and are really wanting to try to buy because we're spending nearly $1,000 mon...
Answers
- K., I completely understand. My husband and I were in your shoes about a year and half ago. I would recommend Patricia Yeager with Willowbend Mortgage in Plano. W...
- K., Today there is a really bad financial climate to have the issue you are having. If you are unable to find a mortgage company to loan you the money maybe going to ...
- Hi K., We also were in a similar situation but were blessed to finally become homeowners this past November. It was a long fighting battle but it was well wort...
Financial Choices.....I Need Some Savvy Mama's to Advise Me!
Asked by M.R. from Boston
on April 5, 2011
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I was laid off from my job at the beginning of this year and although I went on unemployment, the loss of income was so great that I had to make a choice to pay the ut...
Answers
- Well, I'm no financial guru or anything, but we are just pulling out of some tough financial times due to job loss/economy problems as well. What we learned (the hard...
- the general recommendation is that 10% of your net income be put into some sort of savings each month. after combining yours and your husband's income and figuring ou...
- I think deep down you are really afraid of losing your job again and prefer to save every ounce you get even though you are in credit card debt. My advice would be to...
