Thursday, July 28, 2011
My husband and I just got married in September. We both have some debt and both have fair or poor credit. We do not own a home, we rent. What we want to do is consolidate our debt into one loan and just make one payment on it every month. How can we do this [...] http://bit.ly/nr0viD
Do these services negatively effect your credit? If so, for how long? Are there any major pros to these services? http://bit.ly/nWuVey
Say you earn 1000 and have to pay 1050 for your credit card debt. You have to rely on your credit cards ( again ) for those extra 50 and for your monthly expenses. What should a person with this problem do? Would it be ok to take a loan? Finance gurus like David Bach [...] http://bit.ly/n2pvAT
Wednesday, July 13, 2011
I’m just looking for the lower ratio.. the one that just takes in to account PITI, not including other loans, because I don’t have any debt. I saw on a mortgage affordability calculator that it is 30 or 30/39. Is 30% normal or can you go higher? I don’t take on car, credit card, student [...] http://bit.ly/o3Z644
Is there really any difference on the affect on my credit score between credit counseling and just not paying?
If I do credit counseling/debt management plan, this will have a negative affect on my credit score. If I just don’t pay them, this also has a negative affect. What’s the difference? http://bit.ly/o2u6Kb
Where can somone that is hurting financialy and has fair or less then fair credit find a consolidation loan?
Where can people who realy want to get rid of that nasty revolving apr credit card debt get a consolidation loan. Especially people who have fair to less then fair credit. Please help. http://bit.ly/pcOa7f
Tuesday, July 12, 2011
If so please give me some pros and cons of using this. http://bit.ly/r7vLYT
If I use a debt consolidation service to help pay off my cc's, why would my credit report take a negative hit?
They told me if I use their help, I’d get lower interest rates, and get paid down faster, but my report would show negatively because I closed out the cards. Does anyone know why this would show negatively or have any other suggestions? Thanks! http://bit.ly/pNMQyr
What is the best debt consolidation service online? http://bit.ly/rb1oXK
Monday, July 11, 2011
How do you exspect individuals to pay off their credit cards debts, when there are no jobs available?
I don’t have acredit card. However there are many individuals who do. And they got their credit cards in good faith. They thought they would be able to pay their debts, because they had jobs. However since there are NO jobs available. How are they going to pay for their convient plastic credit cards? http://bit.ly/oca4pt
Don’t you need people to work for a living and pay taxes so that we can pay off our debts and get off entitlements? http://bit.ly/nEVl1s
Ok, I went back to school for a medical assisting degree. Need to get a certification to work. Graduating in August however, I have debts to pay at the school. Looking for a job everyday, online applications, newspaper, and friend’s networking. What am I doing wrong? I am arguing a lot because I am depressed [...] http://bit.ly/pp95en
I have some significant debt to eiliminate, the problem is interest payments. I make around 50K a year, and if i had that in a lump sum payment i could eliminate all of my debt in one year and keep my current lifestyle. My question is, do any financial establishments offer a one year loan? [...] http://bit.ly/qoB73l
Sunday, July 10, 2011
If take out a debt consolidation loan secured through your home will that affect if we try to refinance mortg?
needing to consolidate credit card debt. but would like to in future refinance home soon. will it cause a problem with refinance if secure with home? http://bit.ly/ref4tE
I need help in managing my debt! I have recently lost my job and my debt is accumulating! I need a debt settlement company who can help me in debt settlement and provide me with credit solutions that are do-able. If anyone can recommend a company with good debt settlement programs is also greatly welcomed! [...] http://bit.ly/ogBc6e
What is the difference between Debt Management and Debt Consolidation Companies? http://bit.ly/pPjbgs
Hello All member, I am taking into consideration Debt Consolidation. Where the finest is consigning to start? Please share your answer here. http://bit.ly/oH7T64
I’m trying to become debt free and need help with unsecured debts. been trying to locate a agent online but, getting kind of frustrated. NEED HELP ASAP! http://bit.ly/q4deZA
I am having doubt about the credit card debt of a person. My uncle passed away but he is having credit card debt. Who is responsible for that debt? http://bit.ly/qauPOH
Saturday, July 9, 2011
Hello people? The biggest problem at the moment is not getting us out of debt, but getting us out of debt AND?
planning for the supply shortage in 2025! Technology needs to be invested in to accommodate for this! Don’t you agree? We are past the carrying capacity of the earth and need to solve the real problems rather than spread propaganda and get ourselves out of debt without seeing the true dangers that we are to [...] http://bit.ly/pWhVRx
Let's say i make $50,000 a year , but spend $60,000 a year, how long can i go without worrying about it?
Will spending more then ,000 help my financial crises? will it help get me out of debt by spending more? How can i get out of debt with my ,000 a year job.? So how can the U S get out of this masssive debt by spending more like it has the last 20 or [...] http://bit.ly/pEABYi
I hear it’s already at .33… http://bit.ly/psfC8e
The ones that will not rip you off or ruin your credit score. http://bit.ly/osbjeR
Because of medical problems, I have gotten behind on bills. I would like to find a private lender who can help, however I cannot find any spot for this in my area in New Brunswick. Do you have any suggestions? Banks are refusing to help. I have a full time job and make pretty good [...] http://bit.ly/rteYWW
I'm looking to rent a new apartment however I'm on a debt management plan. Will this affect my ability to rent?
I am on a debt management plan however all of my accounts are now current on the plan. Will this affect my ability to rent a new apartment? Just to clarify, I did not file bankruptcy but am simply on a debt management plan for making payments. http://bit.ly/phvusR
Friday, July 8, 2011
are payday loans included when you want a debt consolidation loan? http://bit.ly/oEplwy
if you already have one loan, what if it’s differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it’s differed due to disability? How does this work? At the time the first loan was taken out (it was [...] http://bit.ly/oivS31
i cannot pay cashcall anymore! i called most credit counseling agencies and they said they dont work with them. Does anyone know if there is a credit counseling company or how to lower payment to cashcall???? help please! http://bit.ly/pS9zLJ
what is a good credit card debt consolidation with low or no interest payments? http://bit.ly/oCOhjZ
If so, do you recommend it? What should I look out for? How does it work?? http://bit.ly/ru4FfD
I have about 32000 +- in private student loans. I need to consolidate them as soon as possible so I can get them into my name only and get rid of the co-signer. This is a dire situation im in. Oh and my score is horrible…. Help? http://bit.ly/rfz43i
Considering Greece’s current crisis, there is a lot of talk about how the country will cope with its debt. Of course, being a member of the EU, currency devaluation is not an option. Nevertheless, I’d very much like to understand why and how devaluing a currency helps a government deal with it’s debt situation. I [...] http://bit.ly/qDiTrY
Why were two civilian consumers not allowed to testify at the recent US Senate hearing on Debt Settlement?
I work in Debt Settlement for an extremely ethical, 100% above-board company who work to assist our customers with legally, legitimately getting out of (unsecured) debt so they can move on with their lives. Yes, legislation is needed to regulate the industry to ensure that all Debt Settlement companies have clearly defined requirements that protect [...] http://bit.ly/rmo5JJ
Thursday, July 7, 2011
How does it affect your credit rating if you go to one of those debt consolidation companies? http://bit.ly/ofncVY
What exchange rate is used for paying debts in Euros today that were in the former European currencies?
A friend who has personal debts from 1992 in Italian lira, German marks, Spanish Pesetas, and Greek drachmas wants to pay his debts. But, of course now they are in Euros. What exchange rate does he use to figure the value in Euros? When the currency conversion took place, I assume each former currency had [...] http://bit.ly/qYXIOo
What is the difference between Debt Consolidation and Credit Counseling? I have a place in mind that does debt
consolidation but charges a fee. They also do credit counseling (which I don’t need.) I just need to lower my monthly payments because of high interest. I don’t want a service like credit conseling to effect my credit score. Any response would be appreciated. I definately don’t need any credit counseling as much of my [...] http://bit.ly/r9ptjI
Wednesday, July 6, 2011
Credit card debit, college loans and medical bills are at critical levels and am way over my head. Trying to make monthly payments, but that is not enough. Not eating out or wearing new clothes, just not making enough money. Considering turning to a debt consolidation service, but not sure about who would be safe [...] http://bit.ly/ooUUll
I owe roughly ,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was told in an application that my credit score was lowered by too many enquiries over [...] http://bit.ly/pegreL
I have contacted a tax lawyer about helping me with my tax debt, but he has an expensive rate. I heard CPAs aren’t the best help for tax debt, and I don’t know what enrolled agents charge. Does anyone know if they are cheaper than a tax attorney? I need to get this tax debt [...] http://bit.ly/qwxCL4
Last may we decided to consolidate our debt and made payments to a debt relief company who would begin negotiations as soon as we paid the finance charges. Never got that far b/c our state passed law that said they could not do business with us, we got refunded. In the meantime we have been [...] http://bit.ly/rcCevG
we are in a recession and trying to Get are country out of debt david cameron has cut many funds including N.H.S and M.O.D yet he does not hesitate to Send fighter jets to libya. fck Libya let them sort there own mess out. Why do we always get involved in Wars i think we [...] http://bit.ly/o0Yzbp
I am in a situation where I bought a car and got laid off a month later. I drove it off the lot thinking I was just going to refi it with my bank like I always do, but now they won’t take over the note because I don’t have a job (I collect unemployment). [...] http://bit.ly/nhCVVi
Tuesday, July 5, 2011
in 2001 my husband ran up a 2000 fon bill, and sent a letter and a �150 cheq to Orange to start regular �150 payments to sort it out. They never sent any details for direct debit instructions or payment options. They did however cash the �150 chq. In 2005 we tried to contact orange [...] http://bit.ly/rfWoAF
What are the advantages and disadvantages of having one of those debt consolidation companies help you?
If anyone has any experiences with good or bad in dealing with a debt consolidation company let me know. Would it be a good idea to have one help me if I have about 4,000 dollars in debt? http://bit.ly/oo1Cd0
I am interested to learn on how I can get into credit counseling. I would even be willing to complete classes and take a certification exam. Where do I start? I think some people are misreading my question. I do not need credit counseling. I want to be a budget/credit counselor. http://bit.ly/qDWdKu
Together, my husband and I make about K per year. We don’t have any debt (besides our cars) and are probably looking at about 00 per month in bills (not including rent). We are in the market for a new house – but have no idea how much to offer. I have looked at a [...] http://bit.ly/pKPhvF
Last year I had lost my job and got way behind in my bills. When I found a new job I decided to work with a debt management company to help with my debts. I’ve been with a company about five months and I’m starting to get calls from collectors almost every other day. I [...] http://bit.ly/mI5X6D
I am going to go to a debt management program/credit counseling, it was the best alternative to avoid bankruptcy. What are the best companies that charge a low fee and that can get the best lower monthly payment? http://bit.ly/izfano
I have a 00 bill with a state university and must have it paid before I can attend classes. I’ve used my federal student loan eligibility, and have been told that federal student loans cannot be used to remove past bills anyways (nor can student loan consolidators take the debt). I’m very close to graduating, [...] http://bit.ly/isZsIb
I was wondering if anyone knows which companies offer the best debt consolidation loans. I would like to consolidate my credit cards and my vehicle loan if possible. I have done some research online but have only found a few companies that offer debt consolidation loans and I am not sure who would be best [...] http://bit.ly/mrrpmc
My credit is not that good its actually poor. I am only ,000 in debt but would like to consolidate both my credit cards and car payment. I would like to have a reputable company and one that creditable also. Thank you http://bit.ly/kOBEAg
I see commercials all the time about debt settlement but is it just a scam? Has anyone ever used this type of program and if so, what were your results? Thanks! http://bit.ly/iDwJb4
I’m looking to find a legitimate credit/debt consolidation company. I need to consolidate about k in unsecured debt from both credit cards and student loans. None of the payments are past due at this time. http://bit.ly/iUlLYi
Monday, July 4, 2011
Are there any debt relief agencies that help with secured debt. Such as car loans and student loans?
Debt relief agiencies that help with secured debt. Student loans and car debt. http://bit.ly/mozSln
I have poor credit.I want to get out of debt quick so that I may finish my degree.What are the best loans?
I need to pay off my debt in one shot! http://bit.ly/j2jOW7
The payments would be more than what i pay out now for keeping up my credit but have 6 accounts in collection status. I have a new car, i may have to give that back to make payments to ccc services thus getting a repro on my record. Chapter 13 appears on my record for [...] http://bit.ly/ilp3bo
can you get financing for a home if you have been in a debt consolidation program for less than a year?
Does anyone know if you can get financing for a home if you have been in a debt consolidation program for less than a year? Before anyone says if you are in debt consolidation you apparently cannot afford a home please don’t waste your time in responding. Thanks!!!! http://bit.ly/lpTt5B
Also, can a revolving line of credit (it’s also a atm card) be included in a debt consolidation? And can I choose to leave out a loan or specific credit card where I have 0%? http://bit.ly/igL53m
How to persuade the rich countries to help other poor countries to overcome the debt problem? http://bit.ly/kP4HwG
Are regular amercians doing any better with money, debt and jobs since Obama has been in charge for over 2 1/2 years? Wall St. Made all their money back, no one went to jail. Bush tax cuts became obama tax cuts because he went back on his promise and the debt ceiling is broken. Should [...] http://bit.ly/lyV11F
Debt advise can you help? basically i stoped payments to a gym membership as i dammaged my back. i sent a doctors note saying what had happend and i was unable to do any heavy lifting for at least 6 months. the person i contacted said that was fine and hoped i would get well [...] http://bit.ly/jp3NWM
Is it a good or bad thing to go through a credit counseling service to help relieve extreme debt? http://bit.ly/ifDDF0
I own a home. It’s worth approx ,000 – I owe that much on it. I have approximately ,000 in debt. ,000 is in back taxes. (I only made ,000 last year?) If I choose to use consumer credit counseling, does anyone know if it really helps? Or is it just a flim-flam operation? http://bit.ly/ml6XJz
Just wondering what the average is. My husband tells me everyone has debt, and I can understand my house and my car, but what is your credit card debt? http://bit.ly/kFL7Ol
Sunday, July 3, 2011
I heard about Incharge Debt Management which is a non-profitable organization, does it really help you repair your credit sooner? http://bit.ly/lZPKXF
Does anyone know where to find an online calculator that will help determine how much you should pay on your credit cards in order to pay down your debt without throwing away too much money in interest. I’m looking for something that you can input your balance and interest rates that will show you how [...] http://bit.ly/l14uXT
I am interested in companies that begin paying off your debts immediately, and not wait for months to collect more fees. http://bit.ly/ik3LLA
Does anyone know of any private investors who would do debt consolidation loans? http://bit.ly/kk2tne
When you consolidate debt, it shows all old debts as being paid, etc, but the one new debt ratio, which is the amount being owed to the consolidation company will be huge. QUESTION: Does It lower the credit score to have a huge debt ratio like this? OTHER QUESTION: and you also want to have [...] http://bit.ly/jxG3yD
Found these old debts when closed on residence. Two judgements. Mortgage holder still let me close but said it could be a problem when/if I sell residence. http://bit.ly/iiO0mX
I have researched online and am still not clear on how this works. I really need a personal loan to help out with some other bills and am no longer able to take my classes. I am now in deferrment on my federal loan and they don’t do credit checks or anything for a consolidation [...] http://bit.ly/jUryMj
I have a lot of cc debt. I don’t know who to trust as a debt settlement professional. Does anyone has any experience in that? http://bit.ly/mruVS6
I have several bills I want to consolidate and pay off all at once. I can’t trust anything I here on the radio or web pages. How do you know who is the best? http://bit.ly/kxUYe3
Saturday, July 2, 2011
Has anyone that has ever used Nationwide Asset Services(Debt Consolidation) tell me about their experience?
My parents are in this and from what they are telling me it sounds a little fishy to me. I am worried that they are getting burned. Over the last six months they have already paid over a few thousand to these people with no results. Just wondering if anyone has anything to offer on [...] http://bit.ly/mjo0Kz
free debt analysis and custom recommendations! http://bit.ly/j5pwBm
Now before you start calling me a bum, hear me out. I just got a new phone and a new number, and apparently the person that had the phone before me was a deadbeat. I just keep getting calls from collection agencies like crazy and I’m tired of telling them all that I’m not this [...] http://bit.ly/ip6Rlx
I have a good credit history, but my credit cards are maxed out and its effecting my score big time. I want to get a consolidation loan to combine my debt around 5000, not too much. Any info would be helpful. http://bit.ly/luvXwp
Won’t that make it possible to borrow more and push Debt/GDP even further? Or is it that more debt would likely fuel more growth and provide a filip to the economy? Or is it something else? http://bit.ly/iRMbbp
My wonderful , but obviously money happy boyfriend has accumulated around k in credit card debt. He has 4-5 credit cards, one with a balance of k. He does not own a house. We tried the bank where he has his truck loan through, but he cannot get a loan because he has no collateral. [...] http://bit.ly/maMusm
I am a homeowner and want to purchase a second property. I would like to find an online calculator to see what additional loan I could receive based on income, debt etc. Thanks! http://bit.ly/kI9wAq
He has about �10,000 worth of debt, including his car loan and his student loan (together about �5000, the rest on credit cards, overdraft). I dont want to give or lend him any money but I want to get him help to get out of debt, or on his way to gettting out of debt. [...] http://bit.ly/lmUWkj
Has anyone been successful with them? http://bit.ly/ji4yLe
Friday, July 1, 2011
i am interested in having my monthly credit card payments put into one payment per month. i was very close to trying this but backed out at the last minute out of fear of being screwed over by a debt consolidation company. can someone explain how these companies work? has anyone ever used one? is [...] http://bit.ly/mvVvdi
Can you get approved for mortgage after going through a debt management plan (DMP) with a CCCS? I have done a lot of research and I keep getting very conflicting information about the effects of a CCCS. I want to hear from people that have gone through DMPs and what your experience has been like [...] http://bit.ly/j6RLpt
Right, i am playing as Valencia and on the finances page it says the club is �40million in debt and are paying �40,000 a week for so many years in order to pay it off. I have sold Raul Albiol, Baraja, Fernando Moreintes and Angulo and i have a transfer budget of just above �50million. [...] http://bit.ly/iGIeQG
Are there any reputable banks/companies that specialize in debt consolidation loans? http://bit.ly/kCdyb4
I have a ton of revolving debt (mostly credit cards) and just bought a house 5 months ago so I don’t have much for collateral. I’ve already been denied by a bank so is there anywhere I can turn to for cosolidation purposes that isn’t going to kill my credit? I want to consolidate my [...] http://bit.ly/ldb2aY
I ended up using my company credit card for personal use while on medical leave. I was not able to pay it off completely right away and it was sent to a collection agency. I have a very nasty debt collector calling me all the time now (which is to be expected) but her story [...] http://bit.ly/jrMZ5h