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Debt Settlement
We can only accept unsecured loans, such as credit cards. We only handle five thousand dollars and up. Our program will guaranty you a write off of 45% of ...
Answers
- Beware, the ones you see on the internet and hear about on the radio are usually scams. We got taken by one company, and the atty we spoke to told us he knows of no l...
- I'm not sure of a consolidation program at this moment but I recently learned about Primerica, and they are excellent at helping you save money on the expenses that yo...
- M., There are no legit Debt Settlement companies. The only thing I would suggest is to get a loan from your bank or credit union. My back ground is 19 yrs in the...
Best Way to Increase Credit Score
Having open unsecured credit makes you a higher risk therefore you will have higher loan interest rates. I do recommend when you get down to one credit card ...
Answers
- It really depends on how much you could spend and what types of cards they are. Have you credit pulled lately? This is the first step to make sure that your credit re...
- I would check out Suze Orman's website to see if she has any info that would help. http://www.suzeorman.com/ But, based on some of the stuff I heard her say - your ...
- I would say that completely paying off and closing 4 is the best option. Having lots of cards open counts against you even if your balance is low because you have so m...
Bankruptcy
The only thing you can lose is property that SECURES a loan you can not pay back . ... An unsecured (credit card)creditor will not enter your home unless you ...
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- My husband & I filed for bankruptcy chapter 7 in 2002. No they don't come and get anything. We used Waage & Waage. They were wonderful explained everything. Today we d...
- I work for an attorney. No they don't come in your house. It mainly has to do with what kind of debts you have and the money you make to see what you type of bankrup...
- Hi A., We file ch. 13 and went thru Rubin & Associates. Their website answers a lot of questions regarding 7 & 13. Hope this helps and good luck. L.
Cashing in My 401K to Pay off Credit Cards
Better yet - if you own a home, you could get a home equity loan. ..... Don't put your unsecured debt (credit card debt) into a home equity ...
Answers
- Hi J., You should consult an accountant to be sure. But, I believe you pay all your capital gains taxes up front. I'd also consult an accountant about the best way t...
- DON'T DO IT! Dont cash in your future to pay off the past. You'll be creating more problems. Go to Consumer Credit Counseling Services, of New Jersey or whatever s...
- DO NOT DO IT! You will get hit so hard in taxes and penalties that you will have to take a loan just to pay that! My mom closed out hers at a previous job and she had ...
Desperate for Financial Help
(I couldn't afford theirs and mine) I have a loan on my vehicle now, ... but this one is very under control)with a fixed 8.9% interest rate, unsecured. ...
Answers
- Research on line. You may have to have a lawyer and they can give you the pro and cons which are many. Free budget help is available - call Legal Services. If you a...
- Hi, It not to late to get a book by Dave Ramsey called Total Money Make Over. He also, has a radio show and will be in Kansas City on May 2, 2008. There are churc...
- If you can avoid filing bancruptcy, I would. My sister did this several years ago and has stuggled ever since to build her credit back up No one seems to trust her fi...
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...
In Debt up to My Ears
Asked by C.M. from Denver
on April 21, 2009
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Due to not having a job for a long time I am in debt up to my ears and would like to find one of those programs that help you pay off your debt. Not a loan, but they ...
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- Hello C., My name is B. and I live in Colorado. I also am still paying off some old debt, but I am able to do so with my home business with Arbonne. Are you inter...
- Hi C. -- don't do the loan consolidation thing. I recommend you get books by Dave Ramsey and/or Mary Hunt. Your local library should have them. Read those first -- ...
- Check out Dave Ramsey before you try one of those places. We went to Consumer Credit Counseling at one time, but their fees are high for what they do. Dave Ramsey has ...
Get Rid of Car
Asked by B.P. from Phoenix
on May 4, 2008
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I have a tahoe that I can't afford anymore and I need to get rid of it. I dont want a repo cause that would ruin my credit what should I do to not hurt my credit.
Answers
- Hi B.. Have you worked with your company to help you out, by considering it a hard ship? I switched my insuranance to Furr Insurance. Melissa saved me over $800. I...
- I think all you can do is try to sell it for whatever you owe on it. Or possibly try to refinance it maybe through a credit union or something.
- Find out independently first what it's worth (Kelly Blue Book on-line and an appraisal from someone local who's not who you intend to trade through)and see if you can ...
Debt Consolidation vs Debt Settlement
Asked by J.H. from Minneapolis
on May 7, 2009
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Has anyone had experience with either debt consolidaton ot debt settlement? I am trying to decide which one will do the least amout of damage to my credit scores while...
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- we used consolidated debt and we actualy made our last payment in febuary, it was a great feeling after 4 years. you can call and get more information before you commi...
- I definitely would NOT trust most of the debt relief agencies you hear advertise 24/7. The way I understand it, they have you stop paying all of your unsecured debt a...
- Well, I have had client's who have tried both of these, and they both definitely have their bad side. Many debt consolidators that you see on TV are nothing more than...
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 ...
