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How Can We Get Out of This Circle?
Your husband may have to take another job (even if only part time). Working your way out is the only viable option. Payday loans (at interest rates of 81% ...
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- 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...
I"m DEBT Free..Not! I Need Your Advice Again!
Nothing personal against Dave Ramsey...but am I the only one that see's that HE is the one rakin' in the cash? .... interest rates · bad credit loans ...
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- I have actually NEVER heard of the person before. I make decent money, and although I'm not completely debt free, at this time I only owe about $20,000. $10,000 of tha...
- Hi A., It took my husband and I exactly 22 months to get out of debt completely. We were at $27,000 in debt with credit cards, loans, and a remaining car note balanc...
- Nothing personal against Dave Ramsey...but am I the only one that see's that HE is the one rakin' in the cash? Books, talkshows, seminars....hhmm? Its this simple, l...
Going Back to School?
I qualified for "displaced homemaker" status and took all loans and grants offered. ... job in the career field of your interest and then work your way up. ... I had my son while I was still in school, only took 2 weeks off and returned ...
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- Go for it! I am a 35 year old single mother of 2. I resigned my full time job an began going to college full time and only working part time about 2 1/2 years ago. I...
- I had my son while I was still in school, only took 2 weeks off and returned. I changed my degree after having him so just graduated last fall and he turned 5 this mon...
- Hi S.! Have you thought about or looked into taking online courses? I did this through Univesity of Phoenix because I wanted to be able to stay home with my kids......
Debt Collection-am I Being Scammed?
Needless to say we qualified for the lowest interest rate possible for our new home and .... There are companies out there that buy these old loans for pennies , ... The anti-deficiency laws normally only protect mortgagors from purchase ...
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- There is such a thing as a deficiency judgment (meaning the lender files a lawsuit to recover and the court issues a judgment); however, some states have anti-deficien...
- Dear K L, 3rd party debt collection companies and continue to attempt collection until the cows come home. The bottom line is this: The original debt is over 10...
- Hi! I am so sorry to hear about this stressful time for you. Here is my advice: 1) If your husband is still in somewhat of contact with his first wife, he should call...
Anyone Used the Dave Ramsey Program
chop up the credit cards and only have one for emergencies... pay cash for all ..... Financial Peace · low rate loans · inspiring quotes · interest only ...
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- There is nothing more I would recommend that Dave Ramsey and his Financial Peace University (FPU)! We completed his course and are about to payoff our 3rd credit card...
- I, too, recommend signing up for Financial Peace University. I'm 3/4 of the way through, and our money is already transformed--we've got $2500 in savings, paid off my...
- D., The cheapest method is to just purchase the book: Total Money Makeover. HOWEVER! It might help more to take a class which costs more (about $100?). The ...
College Savings Plan
Becuase there is low-interest loans available through the federal ... I only wish I woudl have see this question in time for you to take advantage of the ...
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- C.- I work for a mutual fund company. There is a plan called a Coverdell Ira. I don't know all the exact details about the plan, but I am pretty sure the max amou...
- C., I am a nurse and I have also taught school. Our financial advisers suggested to us that we use the College Bound Fund program. You can make monthly deposits or ...
- As the others said.....529 plan. Also, go to upromise.com and become a member. You get rebates from retailers that are deposited into your 529s. (distributed between...
Can He Sell the House
Regardless of the home being only in his name, you are in a sense silently on ... if you are still married and refi, he would have 1/2 interest in the property. ... I asked all this of our loan officer when we went through the equity, ...
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- He can sell the house because it was puchased before you were married, it's labeled as personal property. You can either assume the mortgage if he's willing to let yo...
- Wow everyone has a lot of opinions. I can tell you exactly what happened to my husband and I. We both owned homes before we were married. When I sold my house, whic...
- Hi L.: I moved to FL from WI about a year ago. I'm not sure of FL law, but I know in WI there is the marital property law which states that anything either of you ow...
Debt Consolidation Is It Worth It/does It Work???
Sep 2, 2009 ... My friend wanted to do a loan modification to get her interest rate down She had never been late or missed a payment she just wanted a new ...
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- I joined CNI a few years ago and they negotiated a good portion of my debt away. Look into them too, I cancelled all my cards and have bad credit for a few years but...
- Hi there, We looked into this last year when we encountered some of the same problems. You have to be really careful about which companies you go with - there are man...
- Several years ago I went with Consumer Credit Counseling and had a great experience with them. I learned my lesson and, as great as my counselor was, I plan on never ...
Has Anyone Used FreedomDebt.com?
Ask them to lower the interest rates. If things are really tough, ... Hospitals, personal loans, things like that are more likely to actually lower the ... FreedomDebt pointed out how ridiculous it is to only pay the minimum payment. ...
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- The ONLY place you should work with is Consumer Credit Counseling. But even they can have issues. We dealt w/one years ago, and the person suggested we file bankrupt...
- I wonder if it is similar to nodebtandfree.com We used them to help us out and they are amazing. They advertised on 960AM. It is not debt consolidation or any sca...
- T., there are so few of these programs that are useful and legitimate. There's a reason they're called "CONsolidations". I'd do a whole lot of research before signin...
Paying off Debt
your debt in 11 answersChoose your debt that has the highest interest and ..... advice to change to a simple interest loan on your mortgage It will help you ...
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- 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...
