government debt consolidation
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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 Consolidation
Asked by C.C. from New York
on May 21, 2009
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I am wondering if anyone has any experience with credit card debt consolidation/ elimination/ negotitation. What were your experiences? And if so, what company/ websit...
Answers
- Have you tried snowballing or debt stacking your debt? To many of those companies ruin your credit by placing notes on your credit report, I know thats not importa...
- just make sure you pay NO money up front
- Call the credit card companies yourself - request they give you a lower interest rate or tell them you will close the account and transfer to a lower interest credit c...
Debt "Recovery"
Asked by J.G. from Chicago
on April 26, 2010
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I have seen on tv and heard on the radio commercials for a "government debt recovery" program for people with high amounts of credit card debt. Does anyone know anyth...
Answers
- Ok I admit I know very little about this, but the stimulous plan includes monies to be used to reduce debt. My understanding of it, is to prevent people from loosing ...
- http://www.ftc.gov/opa/2010/04/unitedcredit.shtm The FTC recently banned and fined several companies for this kind of solitations and making false promises. That ...
- Listen to Dave Ramsey on the radio if you are in Northwest IN it's 1230 AM WJOB from 2 - 4pm. To listen to pod casts go to www.daveramsey.com. He calls them debt "C...
Debt Advice?
Asked by K.M. from Chicago
on January 17, 2010
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Another question...Here is the situation.
My husband and I....well, mostly me, actually...are in a terrible amount of debt. We have a meager savings, but otherwis...
Answers
- Look at your budget very carefully. I know you said you don't spend frivilously, but now is the time to look at EACH little expense. Do you go out to eat? Stop. Ar...
- Call up the folks in charge of your college debt and relay this information and ask them for a break of some sort. Your great-grandparents would put your claims of ...
- I also recommend the Dave Ramsey books--from the library (free!). We were in a similar situation a few years ago and from his advice (very easy to follow) have paid of...
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...
Answers
- 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...
Need Advice on Getting Out of Debt
Asked by H.M. from Kansas City
on November 3, 2007
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My husband and I have hit rock bottom, I don't know what to do. We are about to lose our house and car and I'm afraid then we'll lose my 2 stepsons too. We owe almost ...
Answers
- H., I am so sorry for all the bad luck that you and your family are having at this time. Have you checked into any of the Churches? Is there any way that you can work...
- H., Have you tried the HUD and FHA Loans, supposedly Bush has made those easier for families to get since all the foreclosures that are going on. Call a broker or...
- Hi H., I know you probably don't want to but you could try finding a job to help out a little. You could work it around your husbands schedule so you wouldn't have...
Help for Debt Problem
Asked by N.K. from Chicago
on September 25, 2007
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Can anyone recommend the best way to get out of debt? A close friend of mine is looking for a way to start paying off her many debts. She frequently receives letters a...
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...
Student loan...drowning in Debt :(
Asked by J.F. from Toledo
on July 13, 2010
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I graduated from a "cracker jack" college (realized that after the fact) in 2006. I obtained a legitimate degree, however soon realized that employees in my field are...
Answers
- Look into different payment plans. There's one called "Income Based Repayment" and it basically calculates a percentage of your income that you can afford to pay and ...
- have you checked out any of Dave Ramsey's books? he really speaks to the every day person (As he considers himself one) and can give some really good tips as to how to...
- If you can't afford the $200 right now, when will you be able to aford it? When will you be returning to work? What can you afford at this time? Ask yourself these q...
Credit Card Debt, Are We the Only Ones?
Asked by J.M. from Boston
on April 8, 2011
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This is so embarassing but my husband and I have HUGE credit card debt. We have transferred things to lower interest over last few years and try to pay above the minim...
Answers
- Yes - but we are working through it. Dave Ramsey has changed our life.
- I used to feel the same way. I stay home too and my husband makes a great income but we lived paycheck to paycheck. I started an internet franchise part time. I now...
- We are FINALLY "in the black" (hallelujah!!! hallelujah!!!)... meaning that for the first time in nearly 10 years, we have savings (money left OVER 2 weeks after being...
Free Grant Money?
Asked by B.L. from Missoula
on June 28, 2010
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Does anyone know if this is legit? I was on a site that says you can apply for free grant money to help pay off debt and get the check from the government quickly. See...
Answers
- Here's a useful link that discusses this in more detail. http://www.debtcuresreviews.com/free-debt-cures-tips-free-money-and-getting-out-of-debt/ Summary: There i...
- If you're trying to get out of debt, I can recommend a great company that worked with our cc, etc. We were completely out of debt in less than 5 years, and saved a lo...
- If a thing seems too good to be true, most likely it IS too good to be true. Their use of the words "free" and "grant" may be quite different than what the words usua...
