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Credit Card Trouble
if you have an FHA loan you can do a restructor of your loan to lower your payments on your home you will have to contact a broker who can do these loans ...
Answers
- Hi L.! I have to ditto previous posters about Dave Ramsey, try to either borrow or go out and but The Total Money Makeover - it will help you and get you inspired. ...
- Unfortunately, sounds to me your going to have to find a second job or your ( husband ). I too was in the same situation, at the time we didn't own a house, It was mo...
- I just wanted to put in one more vote for Dave Ramsey. Not only will he help you get out, but help you stay out and build for a great future!! Listen noon-3p.m. on 95...
College Savings Plan
Also, an idea I had was having your children take out loans for college. ... Then I also had a loan & paid it off after I graduated and had a good job. ...
Answers
- 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...
Am I Responsible for My Soon to Be X-husband Not Paying the Mortgage?
First off if you are a cosigner on the loan as is you are responsible for late payments ... As for any other loans that you may have cosigned (cars, equity, ...
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- Hopefully, there was paperwork done at the time of the divorce that takes your liability off you. You probably need to contact a real estate attorney to review your op...
- Yes, you are still responsible. The mortgage company doesn't care what kind of agreement you and your husband came to, they only care about the agreement "your mortga...
- If your name is on the mortgage or et all yes you are responsible. Regardless of whether he made payments at all you are responsible. Have you contacted your mortgag...
What Is the Best Way to Repair Your Credit After Filing Bankruptcy?
Get a credit card or a loan for a car or furniture. I filed in 1996 and owned ... But in the meantime I still had my car loans and some credit cards opened. ...
Answers
- I bought my first home after filing Bankruptcy after only 3 years. I had a very goood loan person. His name is Merrick and here is his contact info. 1301 SE Tech Cen...
- Hi S., My name is C. and I am a Real Estate Agent. I Know quite a bit about Credit and you CAN recover from a bankruptcy. I do credit Repair, it works really well. Wha...
- Just FYI, when still in bancruptcy, any type of credit is under the bancruptcy meaning it does not count either way. So, it is obsolete. If the bancruptcy is done, t...
Financial Advice
If you have any auto loans you might be able to refinance them into a longer term to reduce ... I would not close out accounts or take out any more loans. ...
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- L., This economy is tough for everyone. Whatever you do, do not go with a debt consolidation company who promises to save you money and work w/ your credit card c...
- I have not ever been in that situation, but from watching a number of different things on tv, magazines etc. You should definitely look at your debt and lay it out if ...
- Hello, I hear you there. Though I must say, your debt is not bad and very manageable. I would not close out accounts or take out any more loans. If you do get an offer...
Do Banks Check Credit Before Giving You an Account?
In the beginning, many of them may have been able to afford the loan, but things changed and before it was known..the loan goes bad, the bank customer may ...
Answers
- some do but not usually a full credit report. They have some way of checking to see if you bounced a lot of checks in the past and would refuse to give you an account...
- Most banks check your check-writing history prior to opening an account for you, or adding you to an existing account.
- I didn't know that either because we don't sign anything giving them permission to do so. I wonder if they are talking about a different type of check in the bankin...
Credit Repair
Aug 30, 2009 ... Senior Mortgage Loan Consultant .... bad credit home mortgage · home loans for bad credit · home loans with bad credit · consumer credit ...
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- i have worked in credit & collections for 12 yrs. I would be glad to help you clear up your credit report. Its not as hard as you may think. If interested email me:...
- The first thing I would do is to find out what Dave Ramsey says! He is excellent and I wish I started he's program while I was younger. Good luck. A grandma.
- Hi J., I actually had a client two years ago who had terrible credit and could not get approved for a home. She worked with Brad Polin, with Coastal Lending Team, ...
Explaining Death to a 3 Year Old
My husband and I told our children that God loans us our grandmas and parents for a while but He does call them back to Heaven when He needs them. ...
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- I've only had one similar experience, but I was shocked. My niece was 3 when her father passed away (car accident). She didn't actually go to the funeral, but she w...
- Hi D., My family lost my grandma in April and my three(3) old loved her alot. She too died of cancer. Unfortunately we only had two weeks to deal with it all before...
- Hello D., I feel for your family. I am also Catholic and go to pauline book store in Crestwood for many of my recourses. There number is ###-###-####. I know that t...
Going Back to School?
I have a huge student loan debt, but I don't regret it one bit. ... Yes, you might get financial aid/loans for the courses you take but that will be money ...
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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......
Paying off Debt
With credit cards (don't know if loans work exactly the same way) you are charged .... I would suggest that you look into a debt consulidation loan instead. ...
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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...