debt
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I Ask This with Humility....
Asked by C.M. from Portland
on March 31, 2009
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Hello ladies,
All of us can agree that times are tough for everyone everywhere. I need so off the cuff advice from someone not my grandma. My husband and I have alw...
Answers
- There are certain protections for your home under bankruptcy law and provisions that allow you can affirm debts (agree to keep paying them) and keep the asset. You sho...
- Don't do it! If you're already in a stressful financial situation - you have to humble yourself & buy a car you can pay cash for - no financing, or it will only get wo...
- Hi Candace, It sounds like you have time to plan. If hubby graduates in the fall, loan payments won't start immediately. Does he change jobs after graduation or now...
Financial Advise
Asked by S.S. from Lansing
on August 15, 2009
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I know a lot of you out there are probably in the same boat. I need quick advice from someone qualified to give advice please!!! I have been a SAHM for years. Times ha...
Answers
- pay in this order: 1. credit cards (whatever you do --make THESE) 2. mortgages 3. pay partial payments on everything else, and contact businesses to let them know...
- Yes, I live and breath by Dave Ramsey financial advice. Please go out and take a look at that site. Also, I am not sure who told you that missing a second mortgage p...
- I would try to pay your mortgage. Take a hard look at your bills and cancel or reduce what you can. I.e. you do not need cable. Cancel it. Try to conserve energy, ...
My Debt Was Sent to a Collections Lawyer
Asked by A.W. from Sumter
on March 11, 2009
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I got out of the Air Force early and owed back part of my bonus. We did not have the money to pay it back and I asked for a 6 month extension on payments so that for t...
Answers
- Collect all of your financial information about this debt and all others you have. Make an appointment with a bankruptcy attorney in your community to explain your op...
- I thought the rules about how premarital debt effected your spouse varied from state to state. Maybe it's different because it is a government debt. In SC we are a non...
- Go talk to JAG. And they can ask for his information cause when you get married your debt becomes his debt. And if you apply for any kind of loan jointly it will b...
Dave Ramsey
Asked by Y.B. from Dallas
on June 22, 2008
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Ladies can anyone tell me about Dave Ramsey's program. My husband and I are drowning in debt and can't seem to swim out of it.
Answers
- Absolutely wonderful and do-able! I highly recommend Dave Ramsey's program. He has steps that are very practical to follow. It's worked for my husband and myself and ...
- There are no words to explain how Dave Ramsey has helped us. We are still snowballin' it and working our way out of debt, but we had a lot to get out of. Since Octob...
- He is AWESOME!! He has a famous saying " live like no one so you can live like no one". which means make sacrifices today that others are not willing to make,so that y...
Need Some Advice or Suggestions
Asked by S.K. from Washington DC
on August 7, 2008
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Hello Everyone,
I am truly desparate. I have gotten myself into a serious bind with debt. I am overwhelmed and need some advice at how to get my head above water....
Answers
- I know how you feel! I got out of the military and we were living off one paycheck and kept digging ourselves in a hole in debt. We called InCharge Debt Solutions. ...
- Go online and get information on a 503C not for profit (NFP) bill consolidation company. They will talk with your creditors and set you up on a payment plan. I went w...
- You need Debtors Annonymous. It is a fantastic 12 step program that will help you get to the root of your spending habits. I recommend it whole heartedly. You will ...
Financial Peace University
Asked by N.M. from Dallas
on July 29, 2009
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My church is offering Dave Ramsey's Financial Peace University next month, and I'm trying to decide if it would be worth our time to do it. I know it's a very popular ...
Answers
- He is on tv and I think radio and I think solid advice. I have never gone but read were others got good from it. Basically get of out debt. I do not know if it is wort...
- N., I have gone through Dave Ramsey twice because once you do the class you can do it again free. I learned so much and you even pick up more the second time. I lik...
- N., I don't know anything about the course, but you sound like you and your husband have a good financial head on your shoulders. I say save the $100.
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...
Wonder What to Do
Asked by N.B. from Detroit
on September 5, 2008
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My hubby and I are sick of paying our credit card bills every month and not seeing the balances going down by much. We have one major credit card and 4 store card tha...
Answers
- N. ~ First off, debt consolidation is a form of bankruptcy and will show negative on your credit report. Store credit cards usually have a really high interest rat...
- I'm no expert but we have watched the balances rise and find ourselves owing after years of 0 balances. We simply have had to stop using them, and use cash only. In sh...
- Try watching CNBC. There is a great advice show at 8 pm. On The Money, I think. She answers people's questions if you call, email or text.
In Charge
Asked by K.K. from Dallas
on February 4, 2008
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Has anyone used in charge debt solutions? I wanted to research it before my friend commits.
Thanks,
K.
Answers
- I have not heard of them but a friend of mine's husband does something like that and has a free consultation. He may be able to give her some advice before she jumps ...
- I know so many people who have been taken advantage of my debt consolidation. We tried one a few years ago and it didn't work out. Most of the complaints I have hear...
- I have a friend who did the debt consolidation thing. It sounded good to them, but RUINED their credit. Her parents ended up bailing them out.
Making Ends Meat....
Asked by L.D. from Dallas
on July 20, 2009
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I know we are not the only ones out there with this problem. We can't seem to make ends meat each pay period. My husband and I both went to college. He has a good j...
Answers
- Can you live with one car? Can you do without cable? I would eliminate all of the "wants" out of your life until you are out of debt. Don't eat out at all. Have your h...
- Dave Ramsey's book - Total Money Makeover. Highly recommend and you are not paying anybody a dime!
- Hi L. I understand where you are coming from. I just recently resigned from teaching to stay at home with my one year old boy..Well I have thought about it myself how ...
