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Credit Card Trouble
I watch the Suze Orman show alot (she's got some good tips) - like calling your creditors and bargaining with them to reduce your interest rate (which I ...
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- Hi L.! I have to ditto previous posters about Dave Ramsey, try to either borrow or go out and but The Total Money Makeover - it will help you and get you inspired. ...
- Unfortunately, sounds to me your going to have to find a second job or your ( husband ). I too was in the same situation, at the time we didn't own a house, It was mo...
- I just wanted to put in one more vote for Dave Ramsey. Not only will he help you get out, but help you stay out and build for a great future!! Listen noon-3p.m. on 95...
Should We Move????
I would definitely sell your current home, before making any land/home ... greatest time to sell a home and if you buy a home the interest rates are higher . ...
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- This is not the greatest time to sell a home and if you buy a home the interest rates are higher. If you are having some problems financially, the LAST thing I wo...
- You could always put your house on the market and see what happens. I wouldn't purchase land or buy anything until your home is sold. Good luck!
- I don't know much about the housing market issue, but I did read where you are looking for a home-based business. There are MANY out there to choose from. My husband...
Help - Which Credit Card Should I Get?
Discover sometimes has promotional interest rates, but these are only for ... You can see their current offerings there. I have no complaints against them. ...
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- A., I have no idea how old you are but after working for 4 years in a credit card collections department I think it is absolutely outstanding that you are asking th...
- I like Discover. You can get cash back rewards, they have a low APR (which is annual percentage rate, or what they charge you on your balance.) My best advice is to d...
- I would suggest you check with your bank first. Normally a bank will offer a credit card that you can pay directly from your bank account online. Also, the APR is norm...
Life After Filing for Bankruptcy.
They have the best rates and don't gouge you. .... hearing and offered to keep me because up until the bankruptcy I was current in my payments and I ... and people began to approve me for cars with low interest rates, credit cards, etc. ...
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- My husband and I filed bankruptcy 6 yrs ago. Since then we have rebuilt our credit. We have purchased a house, automobiles and we have a credit card. It does take time.
- Don't get any more credit cards. A lot of companies will want to give them to you and really high rates. They know you will be liable for them because you already di...
- I had to do the same thing after 9/11. It's a hard time, but you will get through it. All I can recommend is that you make sure that you pay your bills on time and s...
Auto Finance--Do We Have ANY Rights??
Just try to get as current as possible. Collection people are rude. ..... They can work out payments and lower interest rates to make your debt mor ...
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- I work at a financial institution and can sometimes hear my collections department. I think that they do have the right to be firm in collecting their money. Believe...
- As a former debt collector, she is trying to scare you. I would get your bill up to date. Some debt collectors have those type of tatics to bully people. Everyone has ...
- J., Sometimes people are just rude. It is her job to collect money - not a fun job I am sure. Why don't you just make sure you pay your bills on time to avoid all...
Where to Get the Money
I am currently debit free except for current mortgage and car payment that ..... If your home has some equity you can refinance (interest rates are quite ...
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- I just read about banks or mortgage companies who are offering "guaranteed sale" deals. The way it works is that if your home doesn't sell in a specified number of mo...
- Actually, K., moving to an apartment may be a good way to start over only because it achieves your first objective (and most important): getting your son to a safe pla...
- K., I am a Realtor in Wisconsin. Talk to your lender and see what they have to offer you. About the only way to get a home while you try to sell yours is a "Bridg...
I Ask This with Humility....
I believe there is a way to save your house especially if you current on ..... Right now interest rates are at an all time low and I am sure you have at ...
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- There are certain protections for your home under bankruptcy law and provisions that allow you can affirm debts (agree to keep paying them) and keep the asset. You sho...
- Don't do it! If you're already in a stressful financial situation - you have to humble yourself & buy a car you can pay cash for - no financing, or it will only get wo...
- Hi Candace, It sounds like you have time to plan. If hubby graduates in the fall, loan payments won't start immediately. Does he change jobs after graduation or now...
Desperate for Financial Help
I've been at my current job for 13 years & I'm in the process of building up .... On top of that, the creditors were outrageous with the interest rates (for ...
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- Research on line. You may have to have a lawyer and they can give you the pro and cons which are many. Free budget help is available - call Legal Services. If you a...
- Hi, It not to late to get a book by Dave Ramsey called Total Money Make Over. He also, has a radio show and will be in Kansas City on May 2, 2008. There are churc...
- If you can avoid filing bancruptcy, I would. My sister did this several years ago and has stuggled ever since to build her credit back up No one seems to trust her fi...
Need Insight Regarding Medical Bill...
Also, in the past I've worked out smaller payments with credit card companies, and lowered interest rates as well. Helpful? Yes | No Save This Remove This ...
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- L.-I suggest contacting the finance dept.,tell them like it is and ask if it can be written off as a charity case. Also have you checked to see if you can qualify for ...
- L., I don't know where your bill is from, but consider seeing if the hospital, or wherever the bill is, has a financial assistance department. I know Stevens Hospi...
- Figure out how much you can pay every month, then call the accounting department (the number should be on the bill), tell them your situation, and work it out with the...
Do You Ever Feel like Just Saying 'Screw It All'
Sep 23, 2009 ... won't work with us because we are current on our house payment. ... got rid of all of our credit cards (interest rates are unbelievable! ...
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- Hi K.- Some days I feel the same- except with fewer responsibilities. And now I feel like a doof for even complaining. Sigh. My husband and I have spent the better pa...
- Dear K., All I can say is to hang in there. It really is no consolation knowing that you are not the only one in the same situation, or worse. It certainly doesn't ke...
- I think we all sympathize dear. =) Keep your chin up!
