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Category Archives: Credit
What would be the smartest or safest thing to do if you?
Oh Laura! asked: 1. Have an ARM 2. Do not have good credit 3. Do not have any cash on hand for refinancing 4. Have lost a portion of your income 5. But, do have a considerable amount of equity … Continue reading
Would it be better to refinance every U.S. Citizen’s Primary mortgage than give >$1tril to financial giants?
b.wtfdik asked: The current ~$700Billion plan looks a lot like Government is bailing out its buddies in BIG BUSINESS, and nothing will ever trickle down to the common U.S. Citizen. To turn that around use the leftover ~$300Billion Bush Administration … Continue reading
Home Equity Line of Credit vs Refinance?
da_red12 asked: I am currently in Chapter 13. I filed 10/04. I have a home with approx 100K in equity. I would like to pay my way out of BK at the 36 month mark (approx 16K) , pay off … Continue reading
Credit Card debt I really need advice or Help please?
mylovie2@sbcglobal.net asked: I am 42yrs old have a mortgage and home equity loan for 25,000- I also have 30,000 credit card debt and I just cannot sleep and dont know what to do…. I want to call CCCS but some … Continue reading
Posted in Credit
Tagged Cccs, Credit Advice, Credit Card Debt, Credit Debt, Debt Advice, Debt Help, Failure, Home Equity Loan, Loser, Lost, Mortgage, Sleep
4 Comments
Bankruptcy in Arkansas?
SHOP GIRL asked: I live in Arkansas and have recently lost my job and my husband and I are getting divorced. We have 1 child. We have a very large credit card debt load (30,000.00) that is all in my … Continue reading
Posted in Credit
Tagged Chapter 7, Credit Card Debt, Debt Load, File Bankruptcy, Free Consultation, Home Equity Loan, Job, Mortgage, Names
2 Comments
Credit Cards Past Due – Need Advice about Credit Counseling/Negotiating/Bankruptcy Please?
BrendaD asked: I have approx. 40K between 4 credit cards that I had before I was married. These credit cards are in my name only, not my husband’s. I have always paid my debts on time and have never been … Continue reading
What is my debt to income ratio?
♥ Mary ♥ asked: I have an income of $1497 a month and pay $225 for a home equity loan. (That’s it, no mortgage, no auto loan and no credit cards.) What is my debt to income ratio?Jean
Posted in Credit
Tagged Auto Loan, Credit Cards, Credit Debt, Debt Ratio, Debt To Income Ratio, Home Equity Loan, Mortgage
4 Comments
What happens when a person goes bankrupt? I have a lot of friends who have so much credit card debt & I am?
Karma asked: I am wondering if they would be better going bankrupt but I have no idea what the consequences are for this…I always just work harder & do more things & so I don’t know what they are going … Continue reading
Question about Home Equity Line of Credit?
Destiny D asked: I plan to get a home equity line to consolidate some monthly bills, and my mortgage company has offered this type of loan as the one wiith the lowest montlhy payment: Home Equity Line of Credit 90 … Continue reading
Posted in Credit
Tagged Equity Line Of Credit, Home Equity Line, Home Equity Line Of Credit, Mortgage Company
7 Comments
Can Chase home finance take my home?
Trouble in Texas asked: For a long time I had superior credit but due to severe health problems I fell behind and could no longer afford to keep up with my payments, I sent what I could consistently. However, I … Continue reading