rawk punk
I want a Chase Freedom credit card because it offers cash back and I tend to be spendy. How does cash back program really work? I mean do you have to spend a certain amount to get cash back or what’s the deal?
dkdnur
We filed for bancrupcy approx. 4 years ago and have been paying outrageous rent ever since. We would love to have a house and stop paying rent but the only way we could ever afford to get into a house would be something priced low enough such as a foreclosure home. Real estate agents we have spoken with are no help at all on the subject. Of course, I
understand that this is their business and why they would not want to help with this type of sale. But surely we are not the only people who have ever had this problem, how does one go about getting into one of these foreclosure homes?
Rick
I just got denied a loan for a house. I feel a little deflated so please don’t rub it in with your answers/opinions. Is there any hope of me getting a loan? Where could I go for people with bad credit? I feel like someone just popped my bubble so to speak. *sigh
Kandy
My husband and I live in Indiana and we are interested in purchasing a home. Foreclosure lists that I see on the internet charge. I am not sure if this is the way to go or if there is a free way to get this information.
cindi_chean
We are about $2300.00 in debt with alliance one and i think $900.00 in capitol one. We have a debt consolidation with Federated Financial. But I was thinking that maybe we should just settle with both of the debts ourselves because federated financial charges $29.00 a month and it will take us like 3 years to pay it off, if we go through them. What is the best choice?
Jerry d
I have very high unsecured debt. I can’t keep up the minimun payments. would debt consolidation be the way to go, or should I declare bankrupcy.Which would hurt me more in the long run?
Financial problems can make the life of any individual miserable as interest rates increase and as the debts mount up it can actually kill a person with stress. Therefore it is essential to manage debts carefully and get rid of them as soon as possible. How you obtain your debt relief will depend on how you decide to control your financial problem.
Many people do not think clearly when this is going on around them but it is imperative you keep your head. The order of the day is to continue paying your debts of regularly unless you want your credit rating to plummet.
Step one is to sit down and list all your monthly expenses and place them into columns of those that must be paid and those that you can live without. Cut the credit card purchases by introducing a habit of paying in cash as this will restrict your expenditure to the amount of cash you are carrying.
It is not uncommon to find people who owe lost of small debts which can be cleared by saving small amounts of money regularly in a debt relief fund. If you are someone who enjoys going out for a meal of other entertainment on a regular basis then you need to cut back and you will be surprised how much money you can save each month.
Although the option of refinancing your mortgage may sound a great way to lower your monthly outgoings and pay off your debts, this is not always the best way so biting the bullet and paying of your immediate debts can be more beneficial. Although this is a great way to raise spare cash in the short term you may not think that way a few years later so consider if this is really right for you.
It is not uncommon to find people withdrawing cash from their credit card to make a payment, which works but just increases the amount owed. If your debt is so high that you have to file for bankruptcy because a re-mortgage option hasn't worked then you should consult a bankruptcy attorney for the best advice.
Unfortunately, some people in debt avoid bankruptcy and resort to using their individual retirement account to help pay their debts but you are on a slippery slope if you take this route. A good solid debt relief method should never include using your retirement funds so be aware of how risky this is.
Nick
I have about 7500 in credit card debt with 5 cards, which I am paying off right now, but I would like to transfer all or most of the balances to one higher limit credit card. How do I convince them to approve me? Most of my applications have been rejected based on too much revolving debt, but if I get approved for this card then my revolving debt will go down. Any advice would be greatly appreciated. Thanks
I should have known this was going to happen. I know that I’m the one who maxed out my cards. I’m going to incur more debt, I just want to transfer my debt to a better card with better interest rates. I don’t use credit cards anymore. I am making the payments on them. I don’t need a lecture on my spending habits. Please, answer the question asked and don’t give a come to Jesus talk on my personal spending habits/history.
I meant I’m not going to incur more debt.
fable t
get a loan after a debt consolidation? Does it depend on the amount of debt or ?
