unsecured personal loan
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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!
How Hard Is It to Apply for a Small Loan at the Bank?
Asked by L.D. from Dallas
on October 2, 2012
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So I was wanting to to go to the bank to apply for a small loan to have a tubal reversal.I only have a car debt and that's it.Credit score is about 800.
I guess I'm j...
Answers
- A credit union might be more open to a personal loan. You do not have to give full detail, even to a bank, regarding what the money would be for. Just state it is fo...
- You should be able to get a small loan with your excellent credit score. As for telling them what it's for, just say medical expenses. They don't need to know or hav...
- Personally, I would not do it. If i did, I would not take out a home equity and then lie about my plans. Lying will bite you in the rear in one way or another. Fi...
Car Payment for a Car We Dont Even Own Anymore!!!!
Asked by L.B. from Charlotte
on February 4, 2010
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Ok - I will try to make this as short and understandable as possible! About this time last year we traded my husband's truck in on my current car. Come to find out the...
Answers
- I would gather all the paperwork from the sales transaction showing that you traded in the truck and the dealership would pay off the loan. I am sure this is aggravat...
- If the bank still has the title then they still own it so they can still reposses it from the people you traded it too. Who ever has the title own it no matter if you...
- Isn't it in your contract when you traded the truck in that they would pay off the loan? Even if they filed bankruptcy doesn't that mean the loan would of gone into t...
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....
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...
Can Anyone Tell Me What to Expect from a Short Sale or Forclouser?
Asked by K.G. from Fort Wayne
on April 15, 2010
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We have our home up for short sale, we had to move out of state for my hubby's job. we have not been able to make payments on both properties so now we are in defult o...
Answers
- My husband and I went through a short sale last year, and as long as your mortgage company sets the price and agrees to let it list at that value, you will be fine. Th...
- Call this number asap they helped me and can help you at no cost. 1800 ###-###-####. They are local in strongsville and work with people that have moved out of sta...
- I'd be really surprised if they could go after your other assets for the loan. A mortgage is a secured loan. The collateral you put up against the loan is your house...
Foreclosure
Asked by E.B. from Miami
on June 4, 2010
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This might be a bit personal to ask on here.... but what the heck I need "outside the box" opinion.
Should we walk away or should we fight it. We got our foreclosure...
Answers
- E.: My advice may be harsh but I am going to talk to you like I would a friend who needs a reality check. Is your family worth fighting for? It sounds like you...
- If you do choose to stay there is a program right now called making home affordable that would take your current loan and modify it to a lower payment. Here is the web...
- I have to be harsh right now. I read some of your other questions. It sounds like you had the money, but just chose to spend it on other things. I went through ban...
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...
Help...need Advice on Filing Bankruptcy!
Asked by C.W. from Philadelphia
on September 15, 2009
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Ladies,
I am at my wits right now recieving collection calls day and night. My situation is after quiting my "I hate this Company" job and going back to school for...
Answers
- I would suggest you contact a local credit couseling agency and get some advice from them. They are there to help people in your situation and may be able to help you...
- Sammy is right, the first thing you do is schedule an appt with a bankruptcy lawyer. To make the appt much easier take a statement for all credit cards, loans, etc. a...
- There is a very good company that helps people who are in pre-forclosure called Secure Property Solutions. You can google it and find out more info. and their phone n...
