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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...
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...
Refinance Vent
Asked by K.S. from New York
on March 27, 2012
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So this is more a vent, though if you'd like to share your horror stories, feel free.
We're trying to refinance our mortgage to take part in the great rates, not th...
Answers
- The short answer is that you won't get a re-fi if you're underwater because there isn't enough equity in the house to guarantee the loan. How do I know? We've been try...
- We refinanced thru quicken last summer, it was very easy, I guess we had our ducks in a row so to speak. We are not upside down but we basically have no equity at ...
- Can you find a mortgage broker? That's probably better than dealing directly with a bank. And they get to shop the rates for you. Points=Bad. No points=Good. Adju...
Seeking Help to Get Lower Interest Rates
Asked by B.B. from Jacksonville
on June 19, 2007
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Ok this is a litle bit embarrassing but I want to try to cut down on some of our expenses since we are paying so much for 2 children in daycare (25mth old and 6mth old...
Answers
- Hi, B.. We're in the same boat and one thing that is supposed to help is a prepaid credit card. We are planning on doing that ourselves very soon...we have been told o...
- Hi B.. Sorry to hear about your problem. Daycare is way too expensive now a days but they know people have no choice unfortunately. My husband is a mortgage broker...
- Hi B., I have been working with a company that actually DOES work on your credit report and will constantly be in touch with you letting you know what has been done...
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 ...
Work or College??
Asked by L.S. from Dallas
on May 27, 2011
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I am a 28yr old mother of 3 and have a major decision to make. I can either go to college to earn a degree with the help of financial aid or take a job as a nanny fo...
Answers
- I tried going to school when my children were very small, and it was really hard. I realized I was shortchanging them in the process. After they were older, I starte...
- I'm 50 and finishing a graduate degree. It's never too late to go back to school! I'm a huge proponent of education, but I would have to know what the school progr...
- My Mom was teaching 6th grade in public school and had a BS. But she knew if she earned her Masters it would mean more money at her job - a higher pay grade. So when...
Need Advice and Help with Mortgage Information
Asked by M.E. from Chicago
on March 11, 2009
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Hello,
My fiance and I are planning on moving to Arizona after our wedding. We would like to buy a house and we found a couple ranging from 100k to 130k. The only ...
Answers
- Some of the things I am about to say has nothing to do with you personally. I do not know you or your situation but I do something about mortgages because my husband ...
- I think the market is tough right now. Don't forget if you don't have 20% down, you will have to pay private mortgage insurance (I think ranges from 50 to maybe 80 buc...
- My husband is a loan officer and does mortgages for a living. Give hima call. His name is Nick, and his number is ###-###-#### x183. He'd be able to give you more i...
I Ask This with Humility....
Asked by C.M. from Portland
on March 31, 2009
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Hello ladies,
All of us can agree that times are tough for everyone everywhere. I need so off the cuff advice from someone not my grandma. My husband and I have alw...
Answers
- 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...
How Can We Get Out of This Circle?
Asked by S.M. from Dallas
on February 23, 2008
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Hi ladies,
I really need help. My husband and I are in serious financial trouble. A couple of months ago, my husband was out of work for a few weeks. He has a job now...
Answers
- First, I agree with some of the previous posts--cut up those credit cards (and go a step farther--call and cancel them with the company)!!! Credit debt is not necessa...
- Oh S.. I know what you are feeling all too well. Have you seriously thought about claiming bankruptcy? It sucks and doesn't look good on the credit report either bu...
- It's been said a ton already, but I gotta say it again-DAVE RAMSEY. His total money makeover book and his talk show is a good start. I won't add anymore about his pl...
90K Salary, Mortgage Payment
Asked by S.G. from Washington DC
on October 25, 2011
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Just wondering how much would you spend on your monthly mortgage payment (including tax and insurance) with a 90k/year salary and 10% bonus (not guaranteed). We are ap...
Answers
- Make a monthly budget of what you expect to pay out...list everything. Food, cars, insurance, electric, gas, water, phone, cable, fuel, trash, sewer, if you don't hav...
- I think you have to answer this based on your own budget and what you spend, not even what you have in the bank. Our mortgage is $2200 and we have a 4bd, 2.5 bath home...
- Well, years ago they used to advise not spending more than 1/4 of your salary on housing. That comes out to $1875.00 a month. GL with the decision! I bet now is a ...
