freedom debt management
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In Debt up to My Ears
Asked by C.M. from Denver
on April 21, 2009
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Due to not having a job for a long time I am in debt up to my ears and would like to find one of those programs that help you pay off your debt. Not a loan, but they ...
Answers
- Hello C., My name is B. and I live in Colorado. I also am still paying off some old debt, but I am able to do so with my home business with Arbonne. Are you inter...
- Hi C. -- don't do the loan consolidation thing. I recommend you get books by Dave Ramsey and/or Mary Hunt. Your local library should have them. Read those first -- ...
- Check out Dave Ramsey before you try one of those places. We went to Consumer Credit Counseling at one time, but their fees are high for what they do. Dave Ramsey has ...
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...
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...
Answers
- 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 Anyone Done This Before ?
Asked by J.K. from Pittsburgh
on June 13, 2008
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Hello Moms,
I have been researching online about debt consolidation and am still confused. I have a lot of chargeoff's / credit card debt that i want to take care of...
Answers
- I am doing that now, I did a lot of research too, I did find a company that seems to be ligit, we have had no problems with them so far. I belive we are using Freedom...
- Another Dave Ramsey fan here! My husband and I are totally debt free (including no mortgage), thanks to working multiple jobs, cutting spending, and bargaining with c...
- do you own a house? if you do you can look into a home equity or a line of credit...rates are pretty low right now. Can request quotes if you use lending tree. Int...
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...
I Think My Husband Needs Anger Management
Asked by K.S. from Minneapolis
on November 12, 2009
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My husband is a wonderful person and loving father. He truly is my best friend. But lately he has been very angry. When we talk about it, he says that he is stresse...
Answers
- I think the first thing you need is someone to talk to. We are living in stressful times, yes, but it sounds like your husband may have a longer term issue with how he...
- It sounds like you have a good amount of "glue" holding your relationship together. At the same time, you can both see that some changes need to be made--without nece...
- I feel for both you and your husband. I understand the stress of juggling a high powered career, being a wife and mother. I also know you feel your husband’s behavi...
Seeking Budget Management Advice
Asked by E.M. from Boston
on August 4, 2010
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I will be taking over managing our household finances, and am not a number person! I want to do a good job, but am not really sure what is the best way to go about th...
Answers
- We just got Quicken. I am not a computer person but so far Quicken is awesome & truly easy, I recommend it. Quicken is much more than balancing it has a pie chart & ...
- << Is it worth it for me to learn Quicken? >> Quicken is very user friendly. Not much of a learning curve. It's a really great program, so yes, I think it would b...
- It really depends upon your needs and your goals. If you use just one credit card, no loans other than a mortgage, get only recurring monthly utility bills, and you do...
Dave Ramsey
Asked by Y.B. from Dallas
on June 22, 2008
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Ladies can anyone tell me about Dave Ramsey's program. My husband and I are drowning in debt and can't seem to swim out of it.
Answers
- Absolutely wonderful and do-able! I highly recommend Dave Ramsey's program. He has steps that are very practical to follow. It's worked for my husband and myself and ...
- There are no words to explain how Dave Ramsey has helped us. We are still snowballin' it and working our way out of debt, but we had a lot to get out of. Since Octob...
- He is AWESOME!! He has a famous saying " live like no one so you can live like no one". which means make sacrifices today that others are not willing to make,so that y...
Wonder What to Do
Asked by N.B. from Detroit
on September 5, 2008
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My hubby and I are sick of paying our credit card bills every month and not seeing the balances going down by much. We have one major credit card and 4 store card tha...
Answers
- N. ~ First off, debt consolidation is a form of bankruptcy and will show negative on your credit report. Store credit cards usually have a really high interest rat...
- I'm no expert but we have watched the balances rise and find ourselves owing after years of 0 balances. We simply have had to stop using them, and use cash only. In sh...
- Try watching CNBC. There is a great advice show at 8 pm. On The Money, I think. She answers people's questions if you call, email or text.
Advice on Finanaces
Asked by K.D. from Philadelphia
on September 28, 2008
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Hi Everyone,
My husband and I are having quite a bit of trouble staying afloat with all our bills lately, and I'm wondering if anyone has advice about what we can do....
Answers
- I hear you. This is tough. I was in banking for 20 years, and right now I'm helping to facilitate a course at our church called, "Financial Peace University", by Dave...
- Hi K., I know what you guys are going through. We've been going through something similar as well. My husband is a chef and has been picking up catering on the si...
- Wow K., sounds like you're telling MY story!!! I'm in the same position. Some of the things I've done are eliminating eating out, including lunches, cancelled any ex...
