About Debt Consolidation Refinancing, Home Equity Loan, Personal Loan, Credit Cards, Loan Calculator, Loans for Bad Credit, Loans Unsecured, and Bankruptcy
I have $3500 on credit cards and soon to be $600 more. I got an offer from discover for a personal loan for debt consolidation. However,they require you make 25k a year or fulltme student. Im 23 but neither. I would consider lying,but the possibility of them fnding out worries me. Was tempting though. I tried with my bank but they’d require collateral such as my car,and full insurance which i cant afford and a fixed rate of 9.05%. I dont know if theres any other options to consider?
Getting out of debt is easier said than done. Fortunately, there are many options available to people hoping to eliminate or reduce high consumer debts. Before filing for bankruptcy, which is more damaging than having excessive debt, consider other alternatives. For example, acquiring a secured or unsecured debt consolidation loan is one method to becoming debt free. Ways to
How to Get a Bad Credit Debt Consolidation Loan- Bad Credit Debt Consolidation
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If you are need with credit card debt, belated payment penalties for loans or liens, bills that you cannot embrace, or inconsistent similar troubles, a debt counseling aid may correspond to able to help you avoid bankruptcy.
Here’s how it works. Let’s imagine that your home mortgage is for $250,000, but after years of paying on that note, you only owe the mortgage company $100,000. In this instance, you would have $150,000 in equity in your home. A home equity loan is a specific type of loan that will allow you to borrow against that equity.
Why would you want to do this? The number one reason that people take out bad credit debt consolidation home equity loans is as a means to consolidate their debt. Because a home equity loan is a secured loan, the interest rates are considerably lower than that of credit credits or personal loans. And so if a person had $10,000 in credit card debt, they could reduce the total amount of owed-as well as their monthly payments-by taking out a home equity loan and using the cash to pay off their credit card debt.
If you have problems with credit card debt, chances are you’re dealing with a lot of sleepless nights and that you dread the sound of the phone ringing.
When you’re coping with debt, it is tempting to bury your head in the sand and hope it all will go away. First, here’s the bad news. Your credit card debt problem is not going to go away on its own, no matter how much you hope it will. Now, here is the time for the good news. There people out there who can help. When you are buried under debt, a debt consolidation company can help you dig your way out.
Hi, I am about $13,000 in debt. I have about $10,000 of student loans to repay, about $1800 in credit card bills and the remaining $1200 is phone bills and other unpaid bills. I am interested in some kind of consolidation that will allow me to pay off my bills in a quicker, and cheaper fashion than just paying them myself. Does anyone work as a financial planner, or work for a debt consolidation firm? Would it be better for me to file for bankruptcy? How would my credit be affected by both?
Any and all help is appreciated, as I have no clue what I’m doing!
Thanks!
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I have good and I have a few bad on my credit. Negative debt is less than $1000. I have a car in my name paid on time always. I cannot obtain a mortgage, a consolidation, or a personal loan even with a cosigner. They all say both people have to have good credit. WTH is a cosigner for then? I need to refinance my land contract and cannot because of this. I thought well if I consolidate my car and use a little extra I could pay on the couple medical bills on my credit. NOPE<<
My negatives are a cable company that I currently have services with! I paid the amount before the date it says on my credit to get the cable services back. TimeWarner would not allow me to have services if I didnt. The other are small medical bills that everyone has told me not to pay because they are about to fall off. I didnt even get bills for those medical bills!
Your not understanding! I pay my bills. Ihave a car loan never been late ever and have had it in three years! A credit card never been late since I have had it for a year. A line of credit paid all the time on time. I have a few medical bills and two things that should not be on there that I am disputing? So why would I not get a cosigner!!! i pay my bills!
