help with debt
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Debt
Asked by P.S. from Washington DC
on May 4, 2010
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where can i go or find an agent to help with debt?
Answers
- http://www.creditcounseling.org/ Many of these places are not great, but CCCS has been around the longest and is one of the most reputable. They don't do magic...
- I would first read Dave Ramsey's Total Money Makeover.
- Amalthea A. hit the nail on the head. You really can do this yourself but it will require discipline and diligence on your part. Review your current income and expe...
Debt and What to Do...
Asked by R.C. from Los Angeles
on June 9, 2009
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I recently received a letter from a company stating that I owed them money, and were preparing to take me to court unless I paid the balance in full. This debt was fro...
Answers
- Hi R.! Sometimes an extra stream of income can help get yourself out of debt! We have many on our team who have paid off debt and some who have replaced their full t...
- First, go on your credit report and contest everything. Say you paid it off years ago, and were told is was paid off. Use strong words (I PAID this.) If the creditor...
- Hi - sounds like a tricky situation. I am an attorney and have a little experience with this. You might try negotiating with your creditors. Creditors are a little ...
What to Do About This Debt
Asked by L.L. from Tulsa
on April 8, 2007
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ok so here it is. I just need to get it off my chest. We are soooo broke. I am in debt a good 4000 in credit cards and to top it off my check wasn't enough to pay all ...
Answers
- This is tough. One thing is for sure is to cut the cards whether maxed or not, get them out of site. I would avoid transfering balances to 0% cards because then when...
- A lot of us have been there L.. I started out selling things on Ebay. Of course, one has to be careful of the selling fees and make sure you know exact shipping so t...
- Hi my name is N. and I am a Sales Director with Mary Kay. I would love to share with you how you could make some extra money with a Mary Kay business. You can work M...
About Debt Management
Asked by N.K. from Detroit
on April 4, 2007
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Has anyone ever done debt management before?
Answers
- Hello N. , This is what I do from home and love it ... I help other families across the USA and I make money while my little ones are at school or playin with dad so ...
- Yes, I have. What company are you looking at? I have a good company,,, I pay them 1 payment once a month,, they made all the calls to my creditors, lowered my inter...
- I used Consumer Credit Counseling(The company is now called Greenpath Debt Solutions) when I had trouble with debt and they were awesome. I had too many credit cards a...
Debt Management
Asked by J.E. from Philadelphia
on December 15, 2009
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Has anybody ever used a debt management program od done a debt settlement?
Answers
- Hi J., Please be careful. Since I'd lost my job a while back and had decided to become a SAHM due to the outrageous cost of child care (a decision I will NEVER regre...
- Hi J., I am on board with others here.......Dave Ramsey is the way to go. The Total Money Makeover will change your life forever if you choose to follow it. It a...
- If you are looking to finance anything in the future you may want to talk to your bank about how these are viewed. Some lenders view partcipation in these programs as...
Debt & Divorce
Asked by J.T. from Chicago
on July 11, 2010
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Does anyone know what happens with your debt when you get a divorce (large debt)? If you have debt that has gone to a collections agent, how does it work during a divo...
Answers
- I believe it is split equally, if the debt was created within the marriage.
- Generally speaking, both parties remain equally responsible for the debts for which they were both signers. The debt is often divided just like property in terms of wh...
- I think with IL law is doesn't have to be split 50/50. I guess it also depends on what the lawyers can get both parties to agree on. My mom just wanted out and split t...
Debt Consolidation
Asked by A.G. from Dallas
on January 11, 2008
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Does anyone know of a good debt consolidation company?
Answers
- I am using Consolidated Credit. On the whole I have been happy with them. They got great reductions on my APR rates with my credit cards (as low as 1% !!!!) I have no...
- It depends on which direction you wish to go. I own a mortgage company in Arlington, TX and we can do home equity loans...which will give you the best interest rate (w...
- Please look at Heidi's advice carefully. Debt CON-solidation companies aren't necessarily out for your best interest. As an alternative, you might consider Dave ...
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...
Paying off Debt
Asked by S.G. from Los Angeles
on December 21, 2010
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I am just curious if others here are in CC Debt? What has worked for you to pay it down, especially if your living paycheck to paycheck. How much debt aprox have you ...
Answers
- There are many things you can do, I am not an expert and can not give you any legal advice, but I do have a degree in Economics am finishing up my law degree focusing...
- Definitely Dave Ramsey. The man is a financial GENIUS. Follow his system (easy to understand, hard to DO) and you'll be debt-free in no time!
- we are doing Dave Ramsey Total Money Makeover and I'm a stay at home mom of two and run a daycare so I don't make much but we have 19000 in cc debt and just paid off o...
Debt Consalidation
Asked by C.C. from Dallas
on January 5, 2012
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Has any one ever done debt consalidation thru a debt consalidation company? Considering and looking for feedback?
does it mess up your credit score in the long term?...
Answers
- C.: DO NOT DO IT!! Go to the library and get Dave Ramsey or Suze Orman and do it yourself!! If you want to pay someone to pay your bills - pay me. I'll make d...
- Years and years ago I had a friend who went to a consumer credit counseling service. It was free, reputable and helped her. Unfortunately my understanding is that the ...
- Debt consolidation does not effect your credit one way or another. All it is is taking all your debts and getting a single loan for the balance. It tends not to save...
