GN asked:


How do I fix the sitaution? It is ruining mine and my families life?

Ron

due [9/15/2008] asked:


I am about 3,000 or less in debt with about 4 companies is a debt consolidation loan right for me? wells fargo is charging me almost 200 dollors a month from all the fees.

Ron

la428282 asked:


My debt is as follows:
Student Loans: approximately 25k
Credit Card : 5,500
Car Loan: 8k

I am about to enter my 3rd year in my first “real job” after college- and i think its time to get ahold of my finances. I am no longer taking loans (obviously) or using my credit card.. and my each religiously monthly.

But.. ive heard about debt consolidation loans and im confused:

1. do they lower your monthly payment?
2. Do they negatively affect your credit?

If someone could explain what they are, if theyd be good for me, pros and cons etc id really appreciate it!

thanks!

Christian

Ray S asked:


any companies out there that will pay off payday loans under debt consolidation program

Ramon

shauna asked:


Whats the best place for this type of loan? Banks?

Ray

karen asked:


I so want out of my debt, and I’ve been searching online for a really good debt consolidation program, but I’m just so affraid and I don’t know what to do. What bothers me the most is the fact that I might have to spend a lot of money on interest fees. I’m irritated.

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mrbearpro asked:


I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

Please, real answers, and no opinions/judgements.

Thank You.

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Kim Y asked:


Do you go thru a bank? A specialist type company? What type of fees? Do they knock down some of your balances? Do they send you a check & you thereby payoff the balances (then just have the one single bill to this new creditor)? Or do they payoff the individual accounts - then merely send you a statement to begin paying? Do they require an asset of yours to apply the loan against (collateral) like IRA’s?

Thanks for your help! Much appreciated!
=)

081707 9:30
** I do not have a home to pull equity from; ex hubby got that (which by the way, he has NOT refinanced the house, so my name is STILL on the title. My ex is a lawyer & claims he does NOT have to refinance to clear my name, but the mortgage company says otherwise).
Marius-your link is just an advertisement for a student loan - un usable. thx.

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esm asked:


I have open credit cards and I am willing to close them to get a debt consolidation loan… but I’ve gotten behind/overlimit in a couple recently and want to consolidate to one payment. I’m starting to drown in debt and I need help… I do not want a credit counseling center; I just want to consolidate my debt to one payment.

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ctahy80 asked:


I am looking for somewhere to get a consolidation loan for my credit cards even though I dont own a home?

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