Unexpected Bills
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Help for Debt Problem
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...
- Hi N., My husband and I had an issue last year as he was laid off and we lived on our credit cards. We used a service called Credit Solutions. We've since paid of...
Music for 5 Yr Old
Answers
- I know you're trying to stay away from "kid music"--I assume stuff like The Wiggles and old folk songs. But did you know there is a whole genre of "kid music that rock...
- Hi P., I know you've received A LOT of GREAT suggestions, but I thought I'd toss in Elvis. His music is so fun and great to move to. My boys (3 yrs and 2 yrs) and...
- I think there are many musical parents out there who felt like you...so now there's a TON of great music for kids that is really enjoyable for adults too. My son is 4...
Doctor's Payment Question
Answers
- Hi, I agree with everyone that you really do need to contact them. Have you tried email? I've noticed that many places have email now or try using your cell in the mid...
- Just make the call to cover yourself. Now I think they are happy to get any payments. No reason to cause yourself more grief if it's preventable.
- C.~ I think as long as you are making an effort and sending a payment most places are ok with that. I have found that to be true with our dr. office and hospital. bes...
Fixing My Chedit Score
Answers
- Good advice from Cheryl O!! Not sure where you are on your day-to-day bills but working toward financial independence would have to be a big part of this for you. We...
- I agree with the other ladies' response! I'll just add get a credit union credit card because the interest rate and other terms can be much better for ya than traditio...
- My husband and I are going through this. We have lousy credit for various reasons. About a year ago we decided we wanted to buy a house. So I went and talked with a l...
Hard Financial Decision
Answers
- I have been in your shoes. Not the exact same situation but similar. It has now been 7 years since we filed bankruptcy. It was a hard decision to make, but in the end ...
- Look into the Total Money Makeover by Dave Ramsey it has really helped us out and we are about to pay off our first cc. I should probably look into selling the house a...
- www.makinghomeaffordable.gov is the current program that you can apply for (if you are still current with your mortgage). Try that first to see if you can lessen your...
7Mths Pregnant and No Helath Insurance
Answers
- You should not be concerned about getting health care. You do whatever it takes to get it. It doesn't matter how, just do. What does matter is that you have a healt...
- Try Healthplus. Their number is 1-800-300-8181. I was on it when I was pregnant with my son.
- Hi E., Yes, NJFamily Care is an option. If you are unsure about what to do , please call this number. 866-576-2754. It is a place called Birth Right. They will ...
Family of 4 Able to Live on 40K/year Salary
Answers
- I live in Atlanta, and I have NO desire to try and live on 40K a year -even by myself! We're fairly frugal. We save a lot, don't use credit cards, by used cars, use co...
- I didn't read all of it. But some of the stats are totally not in line with where Iive. We "joke" that it takes 3 public servants (police, teachers) to live in this co...
- My husband is in the Army and only makes just below 40k a year and we live comfortably. We have two boys ages 9 months and 1 1/2. We also have been putting away for r...
Trying to Correct the Credit
Answers
- I don't know about the IRS thing. But, I can say that if you don't need more or need to increase credit any time soon, you can put a "freeze" on your credit report. ...
- Hi single MomG Yikes!!!! what an issue- You are going to need a good attorney- or perhaps go thru Legal Aid-(they provide help for free or almost free) Then, firs...
- Ok, take a deep breath. DO NOT PAY THEM!!! The debt has been passed to a debt collector. Yes, they will tell you whatever it takes to get money including the incorr...
Garnishment Advice
Answers
- Hi T.! I've been there! My checks have been garnished before and I wasn't notified either. Unfortunately the only thing you can do (that I'm aware of) is let them keep...
- Not to sound nasty but it is his garnishment so he needs to be the one to get a second job to pay this debt off quickly so you can continue to life comfortablly and ra...
- I used to work in HR and handled garnishments. Now this was over 6 years ago and in a different state, but this what I know: The employer doesn't have to notify you ...
Way to Far in Debt
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...