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CURIOUS: What are your chances of getting approved for Federal student loan consolidation?
Also, Do debt consolidation companies include federal educational loans into the consolidation?
If you have a federal student loan, and the loan company offered a 1800 # for a consolidation company to take the loan and pay it?
Your chances are prob pretty good to consolidate federal student loans. Don't consolidate federal student loans in any non-student loan consolidation loans, your interest rate will likely be higher and the interest you pay would no longer be tax deduct able.
How can I consolidate my debt with no consequences to my credit, and no high interest?
I had good credit, but I purchased a new motorcycle, and unlike a bank load when you purchase a car, they gave me a credit card with a high enough limit to buy the bike (in my case $9800). It's down to about $8800 and I have about one year left at 6.9% APR before it sky-rockets. I also have two credit cards, one with about $1800 at 24% APR and the other with $2800 currently 0% APR.
I would like to combine all my debt and keep the APR down.
Anyone had good experiance with any debt consolidation companys?
I meant bank loan not load. :P
debt CONsolidation is just that, a con. It don't work. All you do is move debt around and rename it...
your goal should be to get the debt paid off... that works every time.
some of those debt co are shady
Discipline is the first thing to begin with. Yes, usually it is the wasteful expenditure and uncontrolled spending that lands a credit card holder into credit card debt. Taking a pledge to control your credit card spending unless you get out of this credit card debt will put you on the right track.
Budgeting the expenditure and taking control of your finances will help you gauge what is needed and money spent on which items are bugging you later. Again the discipline comes into play. Sticking to your income limits will help you cut the overspending and simply have the courage to cut off all those things which are not absolutely important.
When you have decided what is necessary, try to pay for all that with cash. Yes, you heard it right hard cash. This will benefit a debt ridden person tremendously. Put off those credit cards away for the moment.
While budgeting, make sure to earmark the amounts necessary for credit card monthly installments. These funds should not be used for any other thing what so ever under any condition. This will build up a repayment schedule which is regular. Thus acting in this way you will do two things. First, you won't add anything to your credit card bill, secondly the repayment schedule will get regular. So, your debt will start reducing regularly. Read more from: http://www.credit-card-gallery.com/article/378,Credit_card_debt_Get_rid_of_it_by_these_simple_steps
Need Debt Help and or Advice?
Ok, so heres the sticky situation i have gotten myself in. I'am a 23 year old male living in los angeles who like most, has made a few bad financial decisions. I'am now sitting with a little over $8000 in debt, i'am getting married next October and though i make $2400 a month, my bills from all this debt are an absolute burden on my daily life and its not allowing me to save much of anything for this wedding. My credit isnt at rock bottom but its still considered bad so i cant get a debt consolidation loan from pretty much any company. I cant even really get debt consolidation period because one of the companies i owe $1800 to is Cash Call which no debt consolidation company will work with. I cant do this any more and i just want to get my finances back on track so i can save for my family. Does ANYONE have any advice or help they can lend a guy who is willing to do anything. All help and advice given is very much appreciated...its time to get finances back on track. Thanks!!!
To pay off debt, cut up your credit cards, (call credit card companies and ask for a deal) pay off your highest bill first and spend less than you earn.
http://www.getrichslowly.org/blog/2006/11/16/how-to-get-out-of-debt-2/
1) Gather all your debt bills together, along with your budgeting needs to know what the bare minimum is that you can get by on each month. Keep this bare minimum amount in mind.
2) Set aside (if you don't have it already) at least $1000 in savings as an emergency fund. This is to keep you from using a credit card or anything else if something unexpected happens while you pay off your debt.
3) Choose the lowest amount of debt you have from one bill. I.e., if you have a credit card debt of $500 and a loan of $1000, deal with the credit card debt first.
4) Take that lowest debt amount and figure out based on your income how much above the minimum monthly payment that you can pay. Even if it's just $20, just make sure it's as much extra as you can afford to pay.
5) Start paying that much extra on just that bill each month. Make the regular minimum payments on all of your other bills.
6) When that initial bill is paid off completely, choose the next highest debt bill. Add the TOTAL amount you were paying for the first bill each month on top of the minimum payment you were making to this next highest bill. Keep paying that amount until the next highest bill is paid off.
7) Repeat with each subsequent bill until all debts are paid off.
As you can see, with each bill that is paid off, the amount higher you can pay on the next one increases exponentially. That's why it's called a "snowball." It may take some time, but eventually you'll get everything paid off.
Also, I don't know what you do for a living or how much free time you have, but you may want to consider taking on another part-time job that will help you boost your debt payments and maybe let you set a little aside for savings while paying off the debt. Oftentimes, pizza delivery places will let you work two- to four-hour shifts that you can squeeze in between your other jobs and responsibilities. Just be ambitious in looking for the right place. It will be hard, but you can do it!
Disclaimer: I am not a proponent or employee of Dave Ramsey or his affiliates. I am writing this recommendation based solely on my own experience and opinions from what I have learned from his site.
First start carrying a list with you and writing down everytime you buy something. Even if it's a .50 or $1 item still track it. Do this for a few weeks
Now, you will want to sit down with all your bills, paycheck and that list. Figure out how much extra you have after paying the minium on all your bills. Then you will want to figure out which debt is accuring the most interest. Anything extra you have pay it to your highest accuring debt and keep paying the minium on your other debts. Once one debt is paid off use that amount of money you where paying and add it your next debt and keep doing that process untill you debt free.
You now want to look at what bills you can cut down or get rid of. Things such as cable, satillite, home phone, cell phone, etc.. Also, if you have a car payment you should sell it and get something cheap for cash or take the bus. Look at that list and you will probably see you spend alot of money on things you could have saved on. Some examples are taking lunch to work, morning coffee make at home, take drinks to work so your not buying them at $1 for a 20oz, eat alot of soups, vegatables and pastas. These are just some ideas to get you started.
They say you should have a 3-6month emergancy fund. The best way to do it is pay miniums on all your bills instead of paying all the extra to the highest accuring and save it, or you can keep paying the extra to the highest accuring and just save 10% a month. This fund isn't for going out to eat or taking a vacation its for lose of job or car repairs things like that.
You and your future wife should consider getting a second job or pick up more hours at work. Something else to think about would be if you have a extra room rent it out to someone. You can find roommates at craiglist or rooomate dot come.
Learn to live frugally. If you don't change your habits now then things will never change fincially for you. I'm the same age as you and have alittle more debt then you and have really focused on changing things. Use this method and in just a few months you will see a difference. If you have a 401k at work take full advantage of it and once you get out of debt take the money you where paying to debt and start saving it and get a Roth IRA set up. Your young now is the best time to set your future up. Money compounding works miracles. Also, you should check out a book by Dave Ramsey called "the complete money makeover".
It has many steps detailed already by others , plus a lot more...
http://www.financialfreedomtrail.com/money_management_advice.html
What can I do about being contacted by arbitrators regarding my credit cards?
In June I enrolled in a debt settlement/consolidation plan with a company. They said they would settle my debts and as long as I was putting the money aside I was supposed to then everything would be fine. They would be contacting my creditors and I should no longer talk to them. Well that is all well and good until I am contacted by an arbitrator and a law office. My accounts were fast tracked to arbitration when they found out the program was in. Each has offered me a settlement but I can't afford it without a loan. I have perfect credit except for these two past due credit card balances and that is preventing me from getting a loan. The law office said I could make payments, but they would be nearly $1800 for six months. There is absolutely no way I can afford that. What can I do? I'm really scared because I thought I was doing a a good thing and ended up in a terrible situation.
I have contacted the debt settlement company and they keep saying I'm not even supposed to talk to the attorney. I am so scared of them taking me to court though. I am putting the correct amount of money aside each month. The attorney's office told me to go to ripoffreport.com and look up debt settlement companies and I found a lot of other people in this situation.
What does the company you say? Aren't you paying them to handle this? Were they suppose to consolidate of just settle?
Unfortunately most of these settlement/consolidation companies don't do what they promised. You end up in a deeper hole.
debt consolidation loans:
http://all-debt-consolidation-loan.blogspot.com/2007/07/debt-consolidation.html
credit cards:
http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.html
Good Luck!
1800 debt consolidation - News
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Debt counseling services For more information on debt counseling, call the Consumer Credit Counseling Service's National Referral line at 1-800-388-2227. |
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Extension site offers financial advice online - Urbana/Champaign News-Gazette Extension site offers financial advice online If credit card debt is a problem, call the National Foundation for Consumer Credit, 1-800-388-2227, or go to www.debtadvice.org for help. |
Area school districts see changes in 2008 - Batesville Daily Guard (subscription)
Batesville Daily Guard (subscription)Area school districts see changes in 2008 The three-sided storm shelter under the gym built to accommodate 1800 people came in handy when it became necessary to house people there when tornadoes hit
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Thoughts on budget? The floor is open. - Minneapolis Star Tribune Thoughts on budget? The floor is open. An old question is surfacing anew: Does Minnesota really need 87 counties, 855 cities, 340 school districts, 1800 or so townships -- and 201 legislators? |
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Getting Through Tough Times: Which Bill Should You Pay First? - and weather Getting Through Tough Times: Which Bill Should You Pay First? Is a consolidation loan a good idea? Not necessarily. Making a single lower payment may be easier for you, but it may take longer to pay the debt and you |
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