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Has Anyone Used FreedomDebt.com?
Hospitals, personal loans, things like that are more likely to actually lower the ... He's funny and compassionate, yet no-nonsense, and his plan is such common ... The ONLY place you should work with is Consumer Credit Counseling. ... Check out the "Forget the Joneses" area from Kim, the founder of the board. ...
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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...
Debt Collection-am I Being Scammed?
Meanwhile, you could check with the better business bureau to see if the ... There are companies out there that buy these old loans for pennies, ... But the debt is no longer a threat to your credit reports.....as you well know now. ...
Answers
- 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...
Poll on What You Think About Repaying Parents
A loan is a loan, no matter the lender. 2 moms found this helpful ... A person's parents are more important than any credit card company, .... Mom and Dad: "Here is a check for you for your birthday" = gift - not necessary to be repaid. ...
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- (written after your update) It sounds like you are doing the right thing-being VERY clear about when you can repay and the reasoning why-sorry to hear about your hu...
- I think that you should repay your parents if you borrowed money and it was not given as a gift. If you borrowed the money from a bank would you question whether or no...
- Loans should be documented in writing and signed by both parties clearly spelling out the amount borrowed and when it is expected to be paid back. I agree with the ear...
Mother Seeking down Payment Assistance for Mortgage Information
Also, check with your place of employment as some are now helping employees ... We bought our place with decent (not great) credit in an 80/20 loan where we ... We got really good interest rates and reputable lenders (no subprime or ...
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- Hi C., There are a lot of "creative financing" options available these days - you may be able to get by putting only 5% down. What you'd do is take out a mortgage fo...
- The City of Chicago has a couple of programs available for downpayment or closing cost assistance. Check their website. Also, check with your place of employment as s...
- Hi C., You have to look into the IHDA (Illinois Housing Development Authority) they have the BEST Interest Rates for first time home buyers. They are in the low ...
I Haven't Told My Dad's Wife That I Transferred His Social Security Check.
It's his Social Security check that he worked hard for. But she is keeping his money and my dad is living ..... no credit check · social security disability ...
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- It's your dad's check and you are now the payee. From your stepmother's point of view, you are going to be in big trouble. My husband is on disability and we got a sur...
- Do you have any legal document placing your dad in your total care? Do you have any evidence from any law enforcement official that your dad is better off with you? In...
- I absolutely agree with what most everyone else here has said that you need legal advice. I'm really surprised that that the social security admin office let this hap...
Paying off Debt
I saw someone else who recommended cccs and I cant tell you how wonderful they were There were no hidden fees They negotiated with the credit card companies ...
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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...
Striking a Balance Between Saving and Spending
Oct 21, 2009 ... is paid We have no credit card car or student loan debt and have .... youll both keep yourselves in check and on board with each other ...
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- While I think that it's great that you are planning ahead and trying to be practical, I have to say that you don't seem to have any real issues here financially compar...
- Hi J.- It sounds to me like you and your husband are doing very well financially and have a great safety net in the event that something like a job loss should happ...
- It sounds like you are doing great. I know from talking to financial planners that if you have to choose between retirement versus education, you should first fund re...
Wanting to Buy a House, but How?
I suggest you check out Dave Ramsey on his Web site at http://www.daveramsey.com . ... No more credit cards, no more spending more than you have, ... So many people are in trouble right now because they got loans that they could qualify ...
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- There are lots of ways to help you bring down debt and still purchase a home (without getting ripped off) Try to stay in the same apartment for the next three years wh...
- Really think hard on why you want to own. It's a big responsibility and you might be suprised at the cost of maintenance that you don't pay when you rent. So many ...
- After reading all of the response I decided to let you know about another method that noone here has mentioned. I brought my house 10 yrs ago as a single parent makin...
New Bank?
Philadelphia has a large number of credit unions and almost all of them have open ... and the rates they have for loans seem to be pretty good. i heard ... By the way Fishtown is pretty cool, check out Johnny Brendas for local beer ... all the Wawa's around here have no-surcharge ATMs... if you join a credit union ...
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- I'm not particularly fond of PNC, but it seems like everyone here uses it. There's a BofA in Fishtown. I think they're great. The real reason I'm responding is that...
- all the Wawa's around here have no-surcharge ATMs... if you join a credit union they wave the fees for most tranactions. I wouldn't recommend Commerce just because th...
- Philadelphia has a large number of credit unions and almost all of them have open there doors to Philadelphia residents. I belong to American Heritage Federal Credit U...
Money and Budget Help Needed!
We went into it knowing there would be a lot of student loans and debt ... Maybe you can consolodate a few bills into one (like credit cards) but ... Good luck and remember if you live like no one else then later you can live like no one else. ... You can check out their website at www.ihc.com If you like kids and ...
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- Money is always a hard topic. I work for IHC, and they have various kinds of jobs that need to be filled 24 hours a day, including receptionist type jobs, clerks, etc...
- I can't offer any good advice Kim! But I feel for you. Make your husband work two jobs. :) I know he will love that right! John and I have sat down and made a bud...
- Totally do the Dave Ramsey "thing". My husband and I started in February and it has made a huge difference. First make sure you have $1000 in an emergency fund. I w...