 I need to make some money quick? |
| any ideas?? i need like £5000 by 3 ... |
|
 Could anyone help me with this math problem please? This is a financial question that I can't solve.? |
(If a payment is made in full by the billing date, no interest is charged.)
This month, Cindy had a previous credit card balance of $45, bought a sweater for $25.50, paid for a dinner out ... |
|
 I have til Monday to come up with $3000.00 or they take my car, sometimes your best is not good enough,? |
| I feel I have really done my best but still I have failed my children. what is the answer because I give ... |
|
 I took out a loan with Natwest and they have charged me for insurance on it when I never asked for it? |
I can't find the original paperwork, can I claim the money back or what can I do?
Additional Details
I have subsequently paid it off but can i still make a claim to perhaps the ... |
|
 Not sure where to post this? |
| ive recently decided i want to go to school to become a nurse, but my husband and i do not have any extra money to pay for it (exactly why i want to go to school and get a better job). so what id ... |
|
 How can I raise £300 in a week? |
Additional Details
i am disabled in a wheelchair and have MS, can't leave the house. So thanks for the answer get a job.... |
|
 If I make 26,000 dollars a year how much do i make an hour? |
First one to answer it right gets the points.
Additional Details
I work 9-5 with a hour ... |
|
 How do you earn extra cash?? |
i only know of one which is prob the best around!! anyone know any others
http://archerfish.co.uk/... |
|
 A friend writes a $400 bad check so he can pay rent. Could I goto my bank and simply cash it? |
Or would they come after me for the money when it brings him over the limit?
Additional Details
He's not roommate just a good friend. And we thought he would get all the fee's ... |
|
 How do I make a few extra $$? |
| Does anyone have an easy and legit way to come up with an extra 300-400 a month? I don't have much time for another job and I am looking for ideas other than ebay or things like that...... |
|
 Does Joing a Sam's Club really save you money? |
| It seems to me that the only way I would save money is if I bought alot of processed food like, chips, soda, and other snake food. I dont really buy that stuff. Would I be saving if I my meats, ... |
|
| Serious problems - financial or moral advice please? |
Ok this is a bit of a long one, but I really need help with this one. Ok, here goes:
My mum is a property developer and my dad is a builder but has quite severe mental problems which means that ... |
|
 40,000 from a million is this true? |
I heard that if you invest one million euro in a bank, you can make back 40,000 each week in interest. Is this true?
Obviously im not talking about one bank that does this - As I assume ... |
|
 How much money should I make per week before I move out of my parents' house? |
| I live in Southwestern Ohio and would like to move out. I intend to move to somewhere near Dayton. My father says that I have to make at least $600 per week, but that doesn't sound quite right ... |
|
 Why do banks charge overdraft fees? ? |
| Why the large amounts of money? Say, for instance, you overdrew yur checking account by $3--you would get a $35 overdraft fee. Isn't the insufficient funds a fault between you and the merchant (... |
|
|  |
D S | Credit Card Help! or Bankruptcy? Need lots of advice! $47,000 debt...can't afford bill....HELP!!? |
Ok...here's my situation.....my husband and I have $47,000 in credit card bills that we are behind in payments and cannot afford the bills. We've always been short on money despite working constantly....so in being short, we charged groceries, gas, etc for a long time and now we are in this situation. We have a 1st & 2nd mortgage totally $209.000....our house is valued at $300,000...so we have alot of equity which we were told from a lawyer that we have too much equity to file bankrupty or we would have to pay $783 a month back to our creditors....which we cannot afford or we wouldn't be in this situation. We have tried over 10 lenders for a refinance to include this debt and have been turned down by ALL of them because our debt to income ratio is way too high. Can ANYONE please offer us any advice on what we can do? We cannot downsize our house because the house sits on my grandfathers land right with my parents and 2 sister's house. Any advice is greatly appreciated! Thanks
Additional Details
Thanks guys for all your advice. We have changed our spending and it is still not enough. We don't go out, only shop w/coupons, buy all our clothing at Salvation Army, etc. Our credit scores have gone down to the low 500's that's why we can't get a loan and we already have a 1st & 2nd. Our monthly credit card bills are around $975. There is no way we can afford the $783 for bankruptcy as we can't afford the $975. We cannot sell our house as our entire family lives here on the land.....we are at a loss at what to do... |
 |
 
Joe From Jersey
|
Option one would be to sell your home, pay down your debt and rent a modest place to give you some time to get back on your feet. If you have 91k in equity minus the 47k will leave you with roughly 44k. I'm sure you'll likely have less if the house doesn't sell as high and/or if you have to pay a broker. You'll likely net 25k.
Another option is to get a Home Equity Line of Credit. This rate is typically set at Prime (Fed Funds (5.25% +3%) 8.25% which I'm sure is less than your credit card rate. I believe you might be able to borrow some of your equity.
Another thought.. Do you or your husband have a 401k with your employer. If so, I would borrow that money.
It is difficult to make solida suggestions without knowing your gross salary and where you live. Good Luck.
Joe |
|
Dr. Deth
|
Why did you have to buy food and gas with credit cards? Sounds like you couldn't afford the house in the first place. If you're not able to refinance with all that equity and can't erase the debt with bankruptcy, the only option left is selling the house, paying off the debts with the equity you net out and going with a cheaper property-regardless of your where your family lives |
|
Ilene W
 |
You need a book called "Financial Peace" by Dave Ramsey. He also has a radio show if you can find it in your area. He will tell you EXACTLY how to handle your problem, and he will give you so much hope! He speaks from experience and he can really help you. Google his name and look for his radio show. Listen to him for 10 minutes and you will feel more hopeful. Your situation can be fixed. He can help!! Really, he has helped thousands of people. You can call in his show and talk to him personally. |
|
ADAM K
 |
You can't file bankruptcy and need to change your spending habits yesterday!
You cannot borrow more money to fix this problem. You and your husband should get part time jobs to earn more money. You should easily be able to make enough money to work on your debt by waiting tables, delivering pizza, or anything else that pays in tips.
Don't borrow more money! That is why you are in the problem to begin with.
Good luck. |
|
doscooter66
 |
i understand. you wil not want to do this but i agree with the other user. sell the house, pay off debt. then buy another home. my husband and i had about half that much debt. we sold our house of 5 years, paid off everything, moved into an apartment and we are now saving money to buy or build the house we want. this has been the ultimate sacrifice for us but we had no other option. we two had a 2nd mortgage and we too could not get refinanced even with 50K in equity.
i couldn't sleep at night because of the worry. now, worry free!
you have to do it. our motto "it's only temporary" but wow do we feel the relief of being debt free!!! debt suffocates you!
good luck. |
|
Nick
|
You can submit your issue in the following website and a lawyer will contact you within 24hrs. Don't worry about their charges, Its only $1/day. So you are getting what you want in just $1. I think this you can afford. Here is the link
http://www.usalegalcare.com/Bankruptcy.htm
Good luck |
|
commonsense2265
|
Bankruptcy does not seem a viable option in this case. BUT you need to change your ways first..You have overspent, never saved for a rainy day and now the 'Chickens have come home to roost".
Cut back on your spending now....No vacations, no new clothes , only the basics for survivial. No eating out....Look at what you make and what you spend Hmmm..
The house is a problem as it will go in the bankruptcy but perhaps your family can come up with the mortgage. If not I would suggest you go to the bank and see what they are willing to do..New laws on bankruptcy, as this lawyer explained, are now working against you. Do refinance your house, get a good fixed rate, pay off all your credit cards, and please stop spending, SAVE SAve SAVE...Do not spend the money you get for your refi, get enough for credit card pay offs and 3 months mortgage payments...Do not touch the money for anything else, if you have a care payment then see if there is enuf equity to pay that down.
You are typical of people who want everything now..Never look at tomorrow and I feel for you ..This is a hard lesson but one you have to learn or you will loose everything. So it is up to you.
Make a list of what you owe
Ask for referrals for refi (Country wide) is lending
Do not pull all your equity out of your house
Pay off your debt
Go without
Buy nothing new for a year..Yes you need food and esentials. Shop at discount stores, If you need clothes go to the secondhand store, Use coupons. You will be amazed at what you save, CAr pool. Have picnics, Rent a couple of movies, work out, improve your home and quit your present lifestyle.
Good luck you will need it, you and a few million others in the same boat and it is sinking fast.. |
|
BEEN THERE
|
If you could possibly find someone to refinance pulling out part of the equity, like someone else suggested.
i understand you don't want to sell the house, another option may be to lease it for a year maybee your sisters or you know someone who your family would accept. Do a year lease and you lease a very modest apt and save and try to catch up.
good luck. I know financial problems and so depressing and trying. Hope everything works out for you. |
|
Jerpal
|
I highly recommend Dave Ramsey. I have listened to his show for years on the radio and he is by far the best when it comes to debt management.
Here are a couple of links to him.
http://www.daveramsey.com/
https://www.mytotalmoneymakeover.com/
Please don't let these people answering your cry for help tear you up. They are in debt as well. They are in the same situation. They just don't realize it YET. Don't worry about the criticism they will espouse. Worry about getting a controll on your debt.
You can find dave Ramsey on the radio in your area here
http://www.daveramsey.com/radio/home/index.cfm?fuseAction=dspFindStation&trk=qf |
|
newyear2007
 |
Maybe you should try www.greenpath.com they did the credit conseling before my bankrutcy..which is a requirment now anyway. It cost like $50 buck for them to review my case and tell me whether or not i could file. I was able to, and if they say that you should then there is a lawyer out there that will take it to court. it's not a 100% gaurentee..but i think it's worth a shot. You have to have a list of all of you debts, income, etc..but's i think it will be work it for your situation. |
|
bankladyt
 |
It does not look like a Ch 7 debt relief bankruptcy would be an option due the equity you have in your home. How much are you currently paying monthly on the $47,000? Is the Ch. 13 repayment of $783 any cheaper.
Also, have you tried to apply for a loan with no income documentation? Generally the lender will be looking to see that you have a credit score at least in the high 600's and have paid your existing mortgage payments on time. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 17 minutes(s) ago
| | | |
12 | 46 minutes(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
12 | 5 hour(s) ago
| | | |
12 | 9 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
12 | 5 day(s) ago
| | | |
12 | 1 week(s) ago
| | | |
12 | 2 week(s) ago
| | | |
12 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
