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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...
Answers
- 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...
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...
Need a Reputable Debt Consolidation Service/company
Asked by M. from Cleveland
on February 2, 2008
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Hello Moms!
I was wondering if anyone has ever used a debt consolidation service/company. I recently split from my boyfriend of 5.5 years. We have a 3 yr old son ...
Answers
- what getting a debt consolidation loan? pay all the cards off and then jsut have 1 payment...hopefully witha decent interest rate. i tried one of those credit couns...
- I work for a bankruptcy attorney, and have seen this over and over again. I want to urge you to use Azalia's advice below, because what happens with most debt reducti...
- You should read "Total Money Makeover" by Dave Ramsey!!! I couldn't put it down amd he is awesome when it comes to helping people get out of debt in ways that truly w...
Husband Going over Board! What Would You Do?
Asked by B.S. from Houston
on December 23, 2011
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Around lunch time my husband called and asked me to not look at his bank account until I got my Christmas present. We can't afford much. We struggle to make ends meet ...
Answers
- Don't say anything until after christmas. Your husband may be a bit impulsive like mine. Thank him for the gift. Let him bask in his efforts to do something wonderf...
- Let your husband do what your husband wants to do. Trust him. Now, personally, I wouldn't do debt. We don't do debt. Maybe you can get Dave Ramsey's Total Money Makeov...
- Don't worry about it. My hubby overspent on me as well. If he thinks you guys can deal with the payment then let him worry about it.
In a Bad Situation
Asked by L.W. from Dallas
on March 3, 2009
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I need some good advice! I currently live with my husband, three boys and my parents. We had twins last year and that is why we moved in with them to save money and ...
Answers
- We are currently in a situation ourselves but have found much guidance and hope through the Dave Ramsey plan. He has a book and a radio show which broadcasts on 570AM...
- David Ramsey can give some great advice on what to do. Google his name. He has a radio show and is leads Financial Peace University. He's been there, got the t shir...
- Try the Christian financial guy, Dave Ramsey. He has several books out that may help. My hubby and I are working on reading them and getting out finances into better s...
Bankruptcy- Has Anyone Filed and How Bad Was the Aftermath
Asked by J.M. from Philadelphia
on March 13, 2012
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While going through a divorce (3 years after being seperated) and all debt in my name I am sad to say this may be my only option. My ex was out of work for a while an...
Answers
- I came very close, when I found my (first) husband cheating, and he/his gf opened up credit cards in my name and maxed them out to about $35K. After a year of fightin...
- Ok, I'll admit it, I love to watch Judge Judy. Not sure why, it's J. one of my guilty pleasures. I'm pretty sure she would say that all of the debt, be it in your ...
- Go to an attorney for a consultation with all of your information (they'll tell you what you need when you schedule). He will tell you exactly what you can do and wha...
Work at Home?
Asked by A.E. from Chicago
on August 23, 2010
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Does anyone have any good (real) leads for at home work to make some extra money?
Answers
- First of all MLM's are not bad as long as you know when to get out....you can make good money and have fun............. There are some others who are not, although ...
- Nope, most are MLM, recruiting, selling, inventory and having people RUN from you because they know you are pushing some product. What do you do well? Babysit? Acc...
- Hey! I've been successfuly working from home since March - if you want any info, let me know! J. www.workathomeunited.com/joycita
Credit cards/Debt/Living Within Your Means
Asked by C.O. from Washington DC
on August 5, 2011
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there have been a ton of questions on here lately about credit cards, debt and living within your means....there was one mom who emptied her wallet and was surprised.....
Answers
- Well, I like to use credit cards, because I get cash back on my purchases. We never carry a balance, so I don't think I live beyond my means at all. If you are able ...
- We've been a cash only family for a few years, as well. Here's why I WANT a credit card: - My dog broke his foot. We had to wait ELEVEN days to get paid, because...
- We are working hard to be a cash only family too! We are only $2000 in credit card debt and working hard to get it paid off, but due to unforseen medical expenses we ...
My Stomach Is in Knots
Asked by R.J. from Salt Lake City
on April 8, 2011
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Okay so I decided I might want to go back to school, it is only and associates degree but it is the field I am currently working in. The thing is I cant get enough gr...
Answers
- Honestly, while I'm all for someone going back to school, I don't think it's a wise choice for you right now. Would you be making a lot more money with an Associates ...
- My BS didn't cost $24,000. Way too much for an associates. Definitely look around...
- I strongly agree with those who say not to go into debt for this! It's not worth the financial strain. If you want to go back to school, check to see if you can do ...
I'm Not a Mom...I'm Not Even a Wife!
Asked by S.G. from Salt Lake City
on February 27, 2008
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I've been dating my boyfriend for about 15 months. We've talked about marriage quite a few times and come to the decision that we should take care of our debt (credit...
Answers
- My husband and I got married to make things like insurance and renting a home easier. We already shared our common goals. We already had dreams of our future. We alrea...
- Stop pressuring yourself so much! I dated throughout my twenties without even thinking about marriage/kids. When I was 29 I married my best friend and had my first chi...
- I know you might not want to hear this, but you are both very young and there is plenty of time! With my husband, I never pressured him to ask...we dated 4 years befo...
