unsecured loans
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Unsecured Personal Loan/Line of Credit
Asked by C.W. from Chicago
on February 19, 2011
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Hi girls!
We are looking to get an unsecured Personal Line of Credit to cover some expenses that will be reimbursed within 2 months of the initial expense (so the l...
Answers
- I use a Credit Union for all of my banking needs.
- Sorry this isn't much help. It's been many years since I've done this and a lot of lending laws have recently been changed, but I got mine from my credit union. If ...
- oh man, i used lending tree.com recently. i was really impressed, it was really cool. several lenders let you borrow their money to all add up to the amnt you need.....
Personal Loans
Asked by C.N. from Phoenix
on June 15, 2011
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I can't decide so I'm asking you ladies for advice..I have been trying to get a loan and my credit is bad. Well I applied online and got a respond from a company. The ...
Answers
- No, I would not do this. Go to the library and check out this book: The Total Money Makeover by Dave Ramsey. It will help you start dealing with your finances and take...
- Well they are damn near impossible to google so I would imagine they shouldn't be trusted. Sounds like the money must be in one of their checking accounts? As othe...
- I would do some research on them - find out how long they have been in business. Try to find some reviews on them. There are a lot of bad loan officers out there!
Countrywide/ Bank of America Home Loan Unsecured>?
Asked by J.F. from Philadelphia
on June 20, 2011
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I have a question. I saw in the news that all of Countrywides home loans that were sold to BOA were unsecured and never had proper paperwork, so technially the people...
Answers
- Ha! We bought our house in 2008 and closed through CountryWide. Then of course it was transferred to BoA. However, when we tried to ask for help it was always the same...
- It won't get you out of a foreclosure, but it might extend it longer while the paperwork is sorted out. However, BofA is one of the lenders who is somewhat willing ...
- I disagree w/ Catherine (with my parents situation anyways and I'm sure there are a lot of others in the same boat). BoA is hard as heck to deal w/ to get a remod or ...
Debt Consolidation Possibilities
Asked by O.S. from Birmingham
on September 30, 2010
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Loans to consolidate credit card balances are especially hard to find right now but I desperately want to do this to stop the revolving credit and get out from under t...
Answers
- My advice would be to absolutely do this as a last resort. Consolidating your debt can DESTROY your credit. Are you with a bank or a credit union? I have heard th...
- Check out Suzy Orman's website. Don't use a consolidating company- They don't do anything that you can't do on your own, but they charge $$$$. best wishes!
- Don't do it. It is as bad as filing bankruptcy on your credit report. You can do the same thing as the company would do. Read, The total money makeover by Dave Ramsey....
Question About Buying Our First Home
Asked by M.M. from Columbus
on February 22, 2011
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My husband will be graduating physican assistant school in late May and we are excited to start the process of purchasing our first home. Over the past several years, ...
Answers
- CONGRATULATIONS on becoming a home owner!!! Yes, your debt to income ratio will be considered in your pre-approval for your mortgage. You need to get pre-approve...
- I believe your credit score will be affected by your credit card debt. Your credit score looks at the credit available to you and then how much of that available cred...
- I'm sorry that I can't directly answer your question. I hope that your credit issue doesn't affect the purchase of your home! Sounds like you are on the right road t...
Bankrupcy
Asked by S.D. from Denver
on April 19, 2012
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We have a ton of med bills on our credit, I have a student loan and credit cards. Our credit is already terrible due to the med bills on there! I don't want to do it, ...
Answers
- My sister did and the laws have changed. Creditors can come back to you later, from my understanding. And you can not bankrupt student loans. I would speak to an attor...
- Hi S., my husband and I filed Ch 7 a short time ago (July 2010). The attorneys at George T. Carlson & Associates (http://cobk.com/) represented us through the filing....
- There are new bankruptcy laws in effect. It is not cut and dry like it used to be...and you may end up being required to pay back a good amount of your debt over a per...
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...
Answers
- 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 ...
Finances/debt
Asked by T.L. from Phoenix
on August 9, 2010
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If your finances started going downhill quickly- What would you let get behind first..IF..there was no other choice?
Credit cards/or house payment? We are scrambling ...
Answers
- I would think the credit cards because if you loose your home you will have a hard time finding another place to live (landlords do credit checks). Try to AT LEAST ma...
- I would make my house/car payments first and in full if possible. Right now it seems you have bigger things to worry about than your credit, so I would not fret about...
- Interesting question, either way your credit will be effected, but there are lots of things to consider. The main thing to consider is how temporary is this? Another...
Debt Settlement
Asked by M.L. from Boca Raton
on June 9, 2009
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Hello!
Iam actually interested in seeing if anyone knows a legit program for debt settlement or consolidation. I would really like to get my finances back in order ...
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...
