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Mom Seeking Information on Credit Card Consolidation
Asked by N.W. from Orlando
on August 7, 2007
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Hello Everyone,
I am looking for advice on credit card consolidation. Does anyone know the pro's and con's of this? I am interested in consolidating my credit cards...
Answers
- N., Although I do not know about this personally, everytime I read the paper about getting out of debt, it almost always says do NOT use one of those companies. It...
- Hi N., I live in the Ocoee area and I was a single mom for a few years with no child support and no family to back me up. I was living off my credit cards but I had v...
- Check out http://www.cccsstl.org/?referrer=google&cccs&gclid=CKyp1NrW8I0CFQdlHgod9yCsKg The Credit Union I work for uses this company to help our members in times o...
Trying to Correct the Credit
Asked by S.G. from Houston
on July 29, 2009
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OK...I'm pretty upset right now so I hope this comes out right.
I'm really good about checking my credit reports every year & making sure that the information is ...
Answers
- I don't know about the IRS thing. But, I can say that if you don't need more or need to increase credit any time soon, you can put a "freeze" on your credit report. ...
- Hi single MomG Yikes!!!! what an issue- You are going to need a good attorney- or perhaps go thru Legal Aid-(they provide help for free or almost free) Then, firs...
- Ok, take a deep breath. DO NOT PAY THEM!!! The debt has been passed to a debt collector. Yes, they will tell you whatever it takes to get money including the incorr...
We Need Help
Asked by E.W. from Phoenix
on October 7, 2008
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Okay like many others my husband and I are in over our heads in debt. My husband lost his job at the begining of the year. Even though he was able to find wnother job,...
Answers
- Hi E.- Money (or lack of) is one of the biggest stressers in life. I'm sorry you are having to go this tough time. I know many others are feeling the same crunch, so ...
- E.- I know it feels like a big black hole you are in right now (we are just climbing out) but you have so many options! My husband and I are working an awesome prog...
- We have been a military family and my husband is retiring next month. I have tried to plan ahead (a little). I have a home based referral business and can help you e...
Should I Accept Credit Cards for My Small Business?
Asked by D.H. from Dallas
on July 25, 2009
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I have a seasonal business selling personalized Christmas ornaments. I sell at bazaars, craft shows, and through word of mouth.
I have been selling accepting cash/...
Answers
- Hi D., If you decide to accept credit cards, you might want to check out Costco. I just got the August 2009 Costco Connection magazine and they had an ad for their...
- Hi D., You should absolutely accept credit cards!! You are losing sales if you do not! I use www.propay.com They have a really cool card reader that I used at cr...
- Hi D., I have a home based business selling personalized music/storybook cd's; alarm clocks and labels for children. I've been using propay for almost 4 years. I t...
Is My Marriage Salvagable???
Asked by N.S. from Chicago
on September 15, 2008
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I would like to start off by thanking those of you who have addressed this similiar issue in the past and I appreciate your imput and concern either way. I am looking...
Answers
- Maybe if you say he really is a great guy then I would work on it. Guys are dumb, most of them shut down when it comes to talking about how they feel. Hes just as ov...
- From your posting I would say YES your marriage is salvageable. Nothing looks like it is unforgivable. The key for my husband and I was a good couples counselor, Gale...
- Here is an easy way to objectively assess the situation: You have two daughters. What advice would you give to your daughter if she was in a similar situation? Wo...
Writ of Garnishment
Asked by C.I. from Fort Myers
on September 1, 2008
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This is very embarrassing, but we just had our checking & savings accounts frozen because of a very OLD credit card bill. I guess there is no statute of limitations on...
Answers
- Hi C., I have been listening to Dave Ramsey lately and he is a big anti-credit card fan. He gives alot of great ideas on how to get out of debt and clear your name. ...
- Hi C., sorry to hear that you have been having such a rough and trying time, hope things are looking up for you and your family. Thanks for passing along such useful a...
- This is terrible and i totally understand. We got into a little bind and tried to go with a credit counseling service. Most of these are scams so be carful if you deci...
I Am a Shopaholic and I Need Help!
Asked by D.S. from Dallas
on September 20, 2006
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My husband makes pretty good money and yet we are always broke and the reason is ME!!! We live paycheck to paycheck and it is time for us to buy our 1st home. Proble...
Answers
- D., WOW! You have gotten some fantastic advice. A couple of thoughts for you...1) you are right where you want to be (desperate and at a place of surrender) to begin ...
- Hello D.; I am sorry to hear about your shopaholic addiction but I am sure you can get it under control, Lisent I am a mother of 4 two are in school and 2 are at ho...
- D., I agree with Shannon, my husband and I are currently reading another of Dave Ramsey's books, Financial Peace, and are so excited about the prospect of being more f...
Cashing in My 401K to Pay off Credit Cards
Asked by J.V. from New York
on September 6, 2008
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Hello All, I have about 8K in credit card debt I would like to pay off. I also have 11K in an old 401K from my previous employer. I know the golden rule is not to ...
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 ...
Credit Card Debt.
Asked by M.H. from Hartford
on April 6, 2009
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Hello Ladies,
here is a question I am too embarrassed to ask my friends & family. Has anyone had to consolidate debt? I hear a bunch of ads for all kinds of companie...
Answers
- Its a good thing that you asked this question because I think that more people then not are in ( or have been ) in the same boat. When I found myself with tons of smal...
- When I found myself stuck in the cc debt rut several years ago, what I did was take advantage of cc offers to transfer balance for 0% interest over so many months. Wh...
- HI, I used a company called TCA (Take Charge America), they were GREAT!!!! Best thing I ever did. You can look them up on the web. Very helpful and postive. T...
Need Advice on Getting Out of Debt
Asked by H.M. from Kansas City
on November 3, 2007
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My husband and I have hit rock bottom, I don't know what to do. We are about to lose our house and car and I'm afraid then we'll lose my 2 stepsons too. We owe almost ...
Answers
- H., I am so sorry for all the bad luck that you and your family are having at this time. Have you checked into any of the Churches? Is there any way that you can work...
- H., Have you tried the HUD and FHA Loans, supposedly Bush has made those easier for families to get since all the foreclosures that are going on. Call a broker or...
- Hi H., I know you probably don't want to but you could try finding a job to help out a little. You could work it around your husbands schedule so you wouldn't have...
