consolidate debt
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15 Month Old Still Not Sleeping Through the Night
The point is to consolidate his morning nap to one big one. About you: I know how it feels not to have enough rest .... 15 and pregnant · reduce credit debt ...
Answers
- B., I am thinking that at 15 months a child only really needs one nap. Maybe cutting back on the daytime sleeping will allow her to realize that night time is a time ...
- Feed him a high protein dinner with dense carbs (ie: brown rice as opposed to white rice). eliminate the morning nap (one big afternoon nap will work). Lots of play ...
- Hi, B.. I have an 11 year old son and have raised my sister's children who are 19 and 17 years old now. I found when they didn't want to sleep it was best to 1. Give...
Debt and What to Do...
Asked by R.C. from Los Angeles
on June 9, 2009
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I recently received a letter from a company stating that I owed them money, and were preparing to take me to court unless I paid the balance in full. This debt was fro...
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- Hi R.! Sometimes an extra stream of income can help get yourself out of debt! We have many on our team who have paid off debt and some who have replaced their full t...
- First, go on your credit report and contest everything. Say you paid it off years ago, and were told is was paid off. Use strong words (I PAID this.) If the creditor...
- Hi - sounds like a tricky situation. I am an attorney and have a little experience with this. You might try negotiating with your creditors. Creditors are a little ...
Debt Consolidation
Asked by A.G. from Dallas
on January 11, 2008
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Does anyone know of a good debt consolidation company?
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- I am using Consolidated Credit. On the whole I have been happy with them. They got great reductions on my APR rates with my credit cards (as low as 1% !!!!) I have no...
- It depends on which direction you wish to go. I own a mortgage company in Arlington, TX and we can do home equity loans...which will give you the best interest rate (w...
- Please look at Heidi's advice carefully. Debt CON-solidation companies aren't necessarily out for your best interest. As an alternative, you might consider Dave ...
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...
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- 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...
Debt Mediation
Asked by C.A. from Dallas
on August 1, 2008
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Just wondering if anyone has tried debt mediation or credit counseling and what your results were. I tried to get a loan from the debt consolidation loan from the bank...
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- I used a counseling service several years ago when my credit card debt reached $20K. I think I had about 8 credit cards then. They made it easy, I just sent them one p...
- I agree with most of the responders: Don't go to a for-profit credit counseling business. If you decide to go with a credit counseling service, go with a non-profit ...
- Hi C.! Please check out DaveRamsey.com before you do anything drastic!!! He is my Hero! I am strongly against consolidating debts, because the interest you pay for eac...
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...
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- 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...
Debt Consolidation vs Debt Settlement
Asked by J.H. from Minneapolis
on May 7, 2009
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Has anyone had experience with either debt consolidaton ot debt settlement? I am trying to decide which one will do the least amout of damage to my credit scores while...
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- we used consolidated debt and we actualy made our last payment in febuary, it was a great feeling after 4 years. you can call and get more information before you commi...
- I definitely would NOT trust most of the debt relief agencies you hear advertise 24/7. The way I understand it, they have you stop paying all of your unsecured debt a...
- Well, I have had client's who have tried both of these, and they both definitely have their bad side. Many debt consolidators that you see on TV are nothing more than...
Trying to Get Out of Debt
Asked by H.M. from Dallas
on October 13, 2008
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Does anyone out there have personal experience with trying to getting out of credit card debt? I was wondering if I should consolidate them, but not sure who to go thr...
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- Here's another vote for Dave Ramsey. We've been following his program for a year and have made a big dent in our debt. It's taking time, but it's a great feeling to ...
- Hi H., I think our country, especially middle and upper-middle class families, are going to have to take a good hard look at the spending habits we have engaged in ...
- PLEASE CALL ME. I've been through this. 3 yrs. ago I was in $70,000 debt. and now I'm at the tail end of it. I also have been there before and did it then as well. I a...
Credit Card Debt.
Asked by M.H. from Hartford
on April 6, 2009
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Hello Ladies,
here is a question I am too embarrassed to ask my friends & family. Has anyone had to consolidate debt? I hear a bunch of ads for all kinds of companie...
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- Its a good thing that you asked this question because I think that more people then not are in ( or have been ) in the same boat. When I found myself with tons of smal...
- When I found myself stuck in the cc debt rut several years ago, what I did was take advantage of cc offers to transfer balance for 0% interest over so many months. Wh...
- HI, I used a company called TCA (Take Charge America), they were GREAT!!!! Best thing I ever did. You can look them up on the web. Very helpful and postive. T...
Debt Mnagement and Getting a Mortgage
Asked by N.K. from Detroit
on April 4, 2007
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If I were to do debt management will it effect me in anyway getting a mortgage in the next 2-4 years???HELP
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- I'm going to say that it depends, when I was in college I made a few mistakes, I had to go through a debt consolidation Co. and in no way shape or form did it affect m...
- I know people that have filed bankruptcy and got a mortgage with in the same year. So, I don't see how trying to pay off your debt would hurt. You may end up with a h...
- Hi N. May I suggest a finance and debt coach? His name is Dave Ramsey. You can listen to him FREE on 2 local radio stations. am 1260 or am1090 Both stations ar...
