My parents have A LOT of debt and because of the small amount of equity in their house, bankruptcy is not an option.

Does anyone know a NY based company they can use?

PLEASE!!!

I went to my bank, Kinecta (a credit union) to inquire for a loan. One of the reps informally told me to try Well Fargo Financial. I need a personal loan for debt consolidation, approximately $4000. I hate to do it, but it is really my last option. I have bad credit, which I was repairing, but unexpected things came up once again.

What are the qualification requirements? Any info appreciated.

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Or are there other options I should be looking into? I am close to $60,000 in debt and make very little money. I hate to just pick a co. from an ad.

Bankruptcy is not an option available to me.

my property has too much Equity, my attorney filed a Bankruptcy Chapter 7, & later on after filing for ch 7 our attorney realized that our equity is high so then he asked me & my husband 2 convert 2 Bankruptcy CH 13, this alarmed us, We are so comfused & scared more than ever, We are current with our primary Mortgage & 1st & 2nd Loan with our Bank that is tied up with our property, our balance is $ 129,000.00 & our Appraisal is for $295,000.00 & we are current with our Property Taxes/Homeowners Insurance. & we are current with our car payment & auto insurance. Our reason 2 File for Bankruptcy in the 1st place was because of personal credit card debts, we were told from our attorney that we do qualify for CH 7, Now our attorney tells us we do not qualify for ch 7 so we have to convert to CH 13, but he says our home is not secured with the $100,000.00 Home Exemption. our children are all Adults, even though they live with us, & we support them financially the court does not reconize my college children as our dependents under the law and because 2 of them file for thier own tax-return for years now so I only have one adult dependent age 18 who is still a full-time student in High School. another thing the lawyer said 2 us when after we signed the forms for ch 13, last week friday. that we qualify for a 100% Pay Back Plan. not reduced like they do for Consolidation, & not even once did the lawyer mention anything about consolidation so I am really comfused, I even asked an attorney at the Pro-Bono work shop @the Santa Ana Bankruptcy Court House 2 weeks ago & I asked if its safe to convert my case to a ch 13 to keep my property & personal property safe they said yes, & that I would have to pay what I could only afford a month from my husbands income for a 5 year plan”so I thought ok, this is good” But, when I saw my lawyer last week 2 sign 4 the convertion to a CH 13, she said my minimum payment would be around $1,000.00 a month 2 pay back my creditors & that’s the lowest payment the court would offer according to our attorney 2 start with & it will go higher in a couple of months “We can’t afford this” what should we do? this attorney is confusing us, my English is fluent but, the legal terminology is very confusing” if you have been through something like this before (or) if you know someone that had gone thru this in CA we would really appreciate any feedback you may offer, I tried 2 call my attorney again & she does not return calls I am scared for me & my family. Thanks 4 listening hope 2 hear from someone that would have knowledge to give us feedback that is true no matter how bad it ism we want to know what to expect & what we should do.
Mary:
Orange County, CA, USA

15k in credit card debt, 17K in personal student loan debt, 15K in government student loan debt, 15k in car loan debt.

All im trying to do is consolidate my CC debt. The rest i will deal with with later.

Anyone know of a legit company? No marks from credit solutions please!

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I was told that consolidation was better than filing bankruptcy. Anyone who knows of a good company that doesn’t cost a lot too will help. I don’t know much about this and any information will help. Thank you!
I was told that consolidation was better than filing bankruptcy. Anyone who knows of a good company that doesn’t cost a lot too will help. I don’t know much about this and any information will help. Thank you!

In RE:

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We are in debt and I don’t want to file bankruptcy. After all I created the debt so I should pay it, but I also do not want to keep paying the minimum amount due for the rest of my life. I’m thinking of trying credit counseling and debt consolidation. Does anyone know of a good company? I tried my local credit counseling center that is through the government and they were rude and inattentive. I am in the United States. Thanks for the advice.