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Dads check + _________ = $ in my account
Additional Details
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Mike L | Whats the fastest way out off debt? I only owe medical bills and a few other types? |
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BARBARA O
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CALL THE CREDITORS AND MAKE A DEAL WITH THEM. ANY DEAL IS BETTER THAN NONE AT ALL. MAKE SURE, HOWEVER, THAT YOU PAY OFF WHAT YOU PROMISED OR THE DEAL IS OFF. |
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kimberli
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Call your creditors yourself,and try to work with them,but do NOT pay anyone to help you with your debt.I know someone that paid one of those companies to negotiate with her creditors,and she's now in the middle of filing bankrupt.She wasted all that time and money for nothing. |
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wordkyle
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The "snowball" method is advocated by Dave Ramsey and others. Take all your debts, list them from smallest amount to largest. Make minimum payments on all of them except the smallest. Put every extra dollar you have toward paying that one off. After you pay it off, concentrate on the next one the same way.
Sure, mathematically it might be smarter to pay off the "highest interest" debts -- but as Ramsey says, if you were that good at math you wouldn't be in debt in the first place.
Psychologically, you get the sense of triumph every time you pay off one of your bills, and by starting with the smallest amount you get that good feeling quicker, which motivates you to keep working on the others.
And of course you don't incur any other debt while you're paying off existing ones. |
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taketwo
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is to pay all in one go |
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Screaming Eagle
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Discharge them in bankruptcy. |
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gum s
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Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html |
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dishmal
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First you need to put all your debt into 'catagories'. Make 3 piles: Collections, medical, and Other.
First, make sure you keep everything under 'other' paid on time like you are supposed to.
Second, call the 'collections' companies and work out a payment plan that you will be able to pay. If you have some collection accounts that are within a year or so of you not having paid on them for 7 years, then DO NOT PAY THESE. Don't contact them either. Debt collectors have around 6 years (depending on your state) to collect your debt (statue of limitations) and they only stay on your report for 7 years from the date of the first time you went late (and never made a payment after that). So just let it fall off your account and don't worry about it.
After you've done that, and you hvae money left over, contact the medical bills people and do the same as you did with collections.
Medical bills have the least impact on creditors, so you want to handle them last. |
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jamieinreno
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Make sure to pay all your bills on time, but with all extra money that you have, put it towards the highest interest card. Or, look into doing a balance transfer to one card with a low interest rate. That's what I did with my medical bills. I paid the hospital with a check from a low interest credit card, then just paid that off on my own. Whatever you do, don't skip out on any bills, that will hurt your credit for years to come! |
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aloneinga
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Get a credit report, and it will have the contact information on each creditor. Contact them and let them know you would be willing to make a full payment amount for a settlement amount...say 50% of the bill. You would have to pay that amount at that time, but it would save you a lot of money. Also, if you are looking to buy a house, lenders don't really look at your medical bills. I am in the process of clearing up my credit as well, and this is what my hopeful future mortgage company told me when I first called them. They took the time to walk through my credit report with me and let me know what I needed to clean up before I contacted them again. They were very nice about it. Good luck! |
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Niche Jerk
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rob a bank |
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b4_999
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Can you borrow from your 401K? If you can pay off interest bearing loans with that money. When you pay back the money to the 401K the interest you pay goes to you! It's like a forced savings account. I saved over $4,000 in interest when I payed off my mortgage. Took another one out to pay off my jeep when the loan for the mortgage got paid back. I'll save another $4,000 in interest. |
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goerler6
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I don't really think that one can ever get out of debt, but i have come close.What i did, was take $5 a week and pay on bills, i had to do without some stuff but within a year. those debt consolidation companies dont work, they waste your time. just call the companies, and make payment arrangements so you dont have to pay extra fees. most dont know that if you try they will stop the fees. |
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nido_tr3s
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Do not touch your 401(k) because time is money, and those funds grow with time and compound interest!
Check out the "Invest in Your Debt" program. It is offered at many community colleges and can have you living debt-free (even eliminating your mortgage) in a decade. IYD is the acronym. |
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ike
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Never take out a loan to pay medical bills!!!! Most hospitals will agree to a payment schedule. There is no interest on medical bills and you can take as long as it takes to pay them off. Offer them a reasonable payment amount and I am sure they will take it. As far as credit cards, make 2 or 3 times more the minimum payment. You will be surprised how fast you can get out of debt. Just be careful not to fall into that trap again. |
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