Do Your Own Debt Consolidaton And Save! Know Exactly When You Will Be Out Of Debt, And Sooner Than You Think. No: New Loans, Credit Checks, Monthly Fees, Discussing Your Situation With...
what do line of credit and "super-check" fall under. are they unsecured debt? if so counting those two accounts and all of our credits cards we have about 77k worth of unsecured debt w/about 2300 per month minimum payments. our total monthy payouts are 7400 which includes the 2300. this includes insurance groceries utilities, vehicle payments of 1200 mortgage 900, etc. our current monthly income is about 6600 monthly. needless to say we have been robbing peter to pay paul and are now maxed out and starting to fall behind on payments. plus we are going to owe the irs. we have no home equity or savings. any advice would be welcome girlndebt
to give me some breathing room as far as minimum goes. Hey, anything helps. You might want to give that a try while you figure out which way you want to go with your debt. There are many options. I had to think long and hard and decided to do debt settlement, it isn't for everyone but with my debt load it is either that or bankruptcy.
Whatever you decide, do something now. The minimums will not go away and may get larger over time even if you don't use the cards anymore. Some cards seen we were only making the minimums and shot up our interest rates just for that reason. Incredible they can do that but most do and it is all there in the fine print. Also, if you choose any company-research them well!
Good luck. _________________ http://girlndebt.yesdebtfree.org Guest
seys books Financial Peace and The Total Money Makeover. They can help you with your debt problem and teach you how stay out of trouble. They changed my life. _________________ . sanbaugh
To answer your question regarding Line of Credit and "Super-Check" these are unsecured if you did not have to put up collateral. If you received a Line of Credit against your home, then it is considered Secured Debt.
now debt free. I would be happy to answer any more questions you may have. The website in my signature also can answer alot of your questions.
Good Luck and God Bless! _________________ Sandra Baughman http://www.creditexchangecenter.com Exchanging Debt for Financial Freedom. LoneGunman
"The website in my signature also can answer alot of your questions"
As can this website. smckaybiz
Unfortunately this sounds like a time for some serious job searching. Both a better paying job than what your in now and also a 2nd job to help pay those credit card bills. If I could only go back 5 years and just suck it up and start a part time job on top of my full time job I might have prevented myself from going bankrupt. You'll always regret it if you do... atleast for 7-10 years that is. Debt consolidation companies are terrible for your credit but a last resort to consider as well. I wish you the best of luck in the hard road ahead. _________________ Scott McKay Webmaster IncomeandCredit.net LoneGunman
Quote: Debt consolidation companies are terrible for your credit but a last resort to consider as well. I wish you the best of luck in the hard road ahead.
e thing but I learned that debt settlement companies are a lot worse on your credit than a debt consolidation. sanbaugh
Do your research on all companies offering help. Be sure to compare apples to apples.
Debt Consolidation can take up to 60-72 months, while debt settlement takes avg. 24-36 months. ADVANTAGE: By the time you have completed debt settlement in 2-3 years you would still be in debt consolidation plan. With Settlement, you are on your way to re-establishing your credit sooner than with consolidation simply by your debt to income ratios increasing.
Debt Consolidation pays all of your debt off WITH interest, and your payment is HIGHER (less cash flow for you) than with Debt Settlement which cuts your debt on average in half - sometimes better than half (huge savings), and eliminates interest(even better savings). Payments are cut in half and affordable to most(better monthly cash flow.
Debt Consolidation shows paid as agreed on Credit Report once you are done with the plan and Debt Settlement shows settled account while being paid off through the course of the service. Note* lenders do not look at late pays and settled accounts after 12-24 months. CCCS is looked at equal to a Bankruptcy. So basically, by the time you are done with debt consolidation you could have already had your debts paid off and re-established your credit.
you enter. Stay focused and you will achieve your goal of becoming debt free! Good Luck and God Bless! _________________ Sandra Baughman http://www.creditexchangecenter.com Exchanging Debt for Financial Freedom.
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If you have a lot of debt, one thing you might consider is debt consolidation. There are two different basic types of debt consolidation that for unsecured debt and secured debt. Unsecured debt consolidation is what we'll be talking about.What is unsecured debt? Unsecured debt is any debt that doesn't have collateral attached to it. As an example, most credit card debt is unsecured. That means that when you acquired the credit card, you didn't put up collateral in exchange for having
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The best way to handle the excessive debts is perhaps the debts negotiation. This is so because eliminating a debt quickly and completely is impossible. So, instead of taking the pain of worrying for the debt repayments you can take this program up and practice an easy and simple procedure of repayment. Following this program will definitely prove to be helpful to you.
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Heavenly Father,
Hallowed be your name, your kingdom come
Your will be done on this Earth as it is in the Heaven
Give us today our Daily bread
Forgive us our debt and sins
As we have forgotten our debtors and sinners
Lead us not into temptation
But deliver us from the evil one
For you are the glory and the power and the kingdom
The immensity of karmic impurities we carry within ourselves, through cycles of birth and rebirth; if not impossible; is extremely difficult and slow to be cleared away by ourselves in the regular methods we follow. To move deep within many past sanskars have to be cleared out; without total purifications one cannot move inwards; towards God.
I have experienced; how with the right purification from a divya (divine) guru; the karmas of this life and past lives can be felt, accepted an
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