sun kissed asked:


Combined I think I owe like 4,200 dollars, but I really need to pay it down….Anyone know of good card deals going on right now? Do ya’ll think I’d be better off keeping them separate, or consolidating?

Cory

Andrea asked:


Hi,

My partner owes around 20k to misc creditors as unsecured debt with some overdue etc. He has a steady job and has his budget under control now since his family situation changed and could provide a $200 monthly payment. His credit rating needs improvement but turns around 533 which isn’t too bad.

Avoiding the bankruptcy path, what other solutions could you guys recommend for him to consolidate and renegotiate his debts into a single monthly payment or something without going into sky-high interest rates institutions?

I may be interested by pro offers too but please I am mainly looking for real people advice.

Thanks you all!!!

Andie
Comment for iceman: OMG thanks for the ‘terrible’ part, that sure helps dude
To the others, thank you so much and I look forward to more suggestions Please Angela D

Could you let me know more about your experience with creditsolutions.com??

You may also contact me directly through my profile.

Thank you so much!

Margaret

Brad M asked:


I am very desperate to come on here and talk about my financial situation. I need approx. $20,000 to consolidate credit card debt… I do not have enough equity in my home (just bought it last year), I have tried personal loans through Capital One and Chase and have been denied. With Capitol, I even had my father co-sign (he’s got excellent credit) and it didn’t work. I have NO WHERE ELSE TO TURN. I need help, if anyone knows a forgiving lender who will look at my situation, or any other way for me to reach my goal, PLEASE let me know. Please do not refer me to a credit counseling program, for I don’t use my cards anymore, I just have been paying on them for 3 years and trying to speed up things. I know I could just keep paying the most I have on one card and work them down, but I am looking for debt consolidation OPTIONS. Like a bank or organization that would help. Thank you so much for your time in advance!

Duane

Edward T asked:


I am an American who has been living in Germany for the last 25 years due to my children from my first wife. I have been trying to pay off all of the debts from my first marrage but have just been falling deeper and deeper into debt although I have always been working and so has my second wife. I am really in need of help. We even have second jobs. We want to try and consolidate our debt into one loan. Can someone help me out privatly?

Chris

Jason asked:


My wife and I have about $15,000 in conventional debt in addition to her $70,000 in private student loans. Would it be wise to consolidate the conventional debt and the student loans, or will this hinder our intentions to purchase a home?
My wife and I have about $15,000 in conventional debt in addition to her $70,000 in private student loans. Would it be wise to consolidate the conventional debt and the student loans, or will this hinder our intentions to purchase a home?

I should mention that the intention is to lower monthly payments on everything as much as possible to hopefully boost the total approved amount for the mortgage.

Private student loans are not government-subsidized, and therefore aren’t forgivable as federal loans would be under certain circumstances.

Mario

JJJJJJJJJJJJJJ asked:


I’m graduating at the end of the semester.
I’ve worked my entire way through school.
My wife and I have one son and another on the way.
We’re finding it hard to make ends meet and I’m pretty sure my degree won’t get me a better job after graduation.
I plan on getting into grad school, but it is so expensive to apply everywhere and I don’t have the $1,000 or more I will need to apply to the various schools I chose.

I hear of many college students getting large loans to cover all of their debt to consolidate everything they owe. They pay off credit cards, cars, etc. I know it’s only a temporary fix as you still have to pay everything off, but is it a good idea?

Plus, is there even any way I can get an education loan AFTER I graduate?

Is there such thing as a good, low rate education loan to help you get into grad school?

Larry

daniellelair10607 asked:


I need to get a loan for about 3000 dollars and 1250.00 to move into an apartment. I am moving to Florida and all the money i have is being spent for the trip and the moving truck. I need to consolidate the debt so i can start fresh. Any suggestions on good loan places and the banks wont talk to me about the loans because of my credit.

Jimmy

Bebe asked:


I’m curious how you could get a loan for 300K for approximately $800/month although I have some debt and good credit score.
Are these loans interest only? How do they work to consolidate the existing debt? I’m trying to get a 380K - 450K loan to buy a house without paying $2200-3000 a month for the mortgage.

Rodney

Ava T asked:


I currently have an auto loan @ 7% interest(can’t sell car because loan is higher than value), 1 credit card @ 16.9%, a federal student loan @ 3.7%, and a private student loan @ 17.95% in addition to rent & utility bills. What are my best options to reduce my payments? I’d like to make one payment if possible. Please help! I’m living paycheck to paycheck and I can’t build any savings due to all these payments!
Oh yah, I don’t mean to consolidate my rent & utilities, by the way. Sorry, just mentioning I have too much debt…

Shawn

joconn10 asked:


Just bought a house for $214k 30yr 6.125%, it was appraised at $244k. I’d like to make several home improvments and consolidate some debt. How soon can I get a Equity Loan or Line of Credit , seeing how i just bought the home I wasn’t sure if theres a waiting period i.e 6mo-1yr . Also which might be better for my situation the Loan or LOC?

Kathryn