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Related Questions & Answers
6 articles
In a Bad Situation
Asked by L.W. from Dallas
on March 3, 2009
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I need some good advice! I currently live with my husband, three boys and my parents. We had twins last year and that is why we moved in with them to save money and ...
Answers
- We are currently in a situation ourselves but have found much guidance and hope through the Dave Ramsey plan. He has a book and a radio show which broadcasts on 570AM...
- David Ramsey can give some great advice on what to do. Google his name. He has a radio show and is leads Financial Peace University. He's been there, got the t shir...
- Try the Christian financial guy, Dave Ramsey. He has several books out that may help. My hubby and I are working on reading them and getting out finances into better s...
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...
Bad Credit Help!
Asked by L.S. from Jackson
on February 28, 2008
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My husband left me with a horrible credit score. and debts unpaid sitting on my report. how as a low income single mother do i fix this? help!
Answers
- Take care of your daily needs, but if it's something the you need and your credit history won't let you then I would call a local credit consulting agency to her you g...
- I would recommend reading books by Dave Ramsey and Todd Coontz. They have good advice that's helping me to get control of my debt too. Good luck.
- I'm no expert but I would suggest making regular payments on all debts. No matter how small the payments, as long they are regular it will show good faith effort. It...
Wanting a Third Child
Asked by J.K. from Tulsa
on July 30, 2008
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I am ready to start trying for a third child. My husband doesn't want a third child due to money and he says he's too old now. He says when is it "his" turn to start s...
Answers
- Hi J., I understand that you want a 3rd kiddo but if your husband does not, then I don't feel like tricking him is fair. What if the shoe was on the other foot? I t...
- Dear J., I remember my first husband didn't want children but I begged & begged. He said yes. Our son turned 3 and one year later we divorced. I was a single parent fo...
- I say just keep seducing him so he can get you knocked up before his procedure. Sexy lingerie never hurt anyone.
How to Reduce Debt
Asked by P.H. from Louisville
on August 13, 2008
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Has anyone ever called the credit card company and made a deal to pay it off for a lesser amount? I have been told it can be done, but am not sure if it really works....
Answers
- Hey, I'm a credit counselor (non-profit) and there are many cc companies who will accept a lesser amount. There are a lot of ways to reduce your debt quicker than you...
- P. I don't know about paying the cc co off although I have heard of that. Here is a good one to call: Dave Ramsey's Office 1749 Mallory Ln Ste 100, Brentwood, TN...
- My best friend did that and they worked with her. Well some of them did and some didn't, but doesn't hurt to try. Good Luck.
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...
