 Can someone tell me if they know anyone who can refiance a home when there is no equity in it? |
| I am facing in this coming May a "dramanic" increase in my interest rate and need to refiance but do not have much equity in my house because of a house equity line of credit I have out.... |
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 If you won $40 million in the lottery, where could you safely put it? |
| Since the FDIC only insured up to $500,000, how would you distribute the money safely? Would you open 80 accounts across multiple banks? Please let me know because I plan on winning the lottery ... |
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 I am a stay at home mum who also works part time and i work from home too.....? |
| My question is does anyone have any more ideas of what i can do to secure myself and my partner fro when we retire as i am nearer to 30 and i am getting scared.We would like another baby next yr so i ... |
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 Do you like your bank? |
| I do, I think i'm the only person in the world who does....... |
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 How can I honestly make at least $1200 within two weeks? |
| Online opportunites are preferred, or otherwise anything that will not cost me anything, take much time, or require much travel. I'd also like to know how I could really get a loan with poor ... |
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 Is it cheaper to pack a sack lunch then to get fast food? |
| If I pack a sack lunch made with food purchased at Trader Joes grocery, is it cheaper than buying it from Jack in the Box or Mc Donalds each time? Or maybe I'll have to go to a cheap grocery ... |
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 How do i get rich in 80 days?.......? |
| and if i do, do you think it's a good idea to write a book, and call it with that title (the question !).??..and make loads of dosh !!!... |
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 You're holding 20 grand for someone for 6 months, what can you do with it? |
Hypothetical situation:
A friend asks you to hold $20,000 for him in cash, and says in about 6 months he will ask for it back in increments, like $2000 per month or so...
Can ... |
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 Has anyone been unsuccessful in claiming back their bank charges? (UK)? |
| I know a couple people who have got it all back- including one person who was refunded over £2000! I want to go for it but am paranoid about losing the small claims court fees if I don't win, ... |
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 Pay off house early or invest in the market? |
I have a 15 year mortgage which will be paid off when I am 65.
I can pay extra each month to pay it off in 10 years or should i take that money and invest in the market?
My interest rate is ... |
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 What kind of charity do you contribute to? |
No matter how big or small.
Personally, I feed the less fortunate every 3rd Thursday of the month. I donate 5% of my paycheck to different charities. I try to do what I can. I hope someone ... |
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 Is it hard to live with an annual income of 30000$ in USA? |
| I am an engineering student in Europe and i am planning to live in USA. Do you think i can live comfortably with this income? (Assuming that i have nothing in my hand at the beginning)... |
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 How can I get bad credit personal loan in australia? |
| I am full time student in need of a personal loan. I do not have a good credit rating. Looking for a loan of $1500-$2000. Can anybody help?... |
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Wade C | I have too much debt, and not enough money, how do I get back on my feet without bankruptcy? |
I have about 7 or 8 credit cards, house paymentt with $500/mo PMI, and a car payment. All of this along with the expenses of maintenance, utilities, and the like. How do I approach taking care of this mess? I recently was on track to be re-fi'd, but it fell through when the big banks fell out recently. I was told the day before closing to not make the next payment on the house because we were closing the next day and the payoff was set. I did not make a payment, as instructed, which so far has ended up being a bad move for me. Now I am a month behind in my mortgage with no way of making up the difference. On am on the way to misery if I don't get some real help here......any thought, like DebtConsultantss? How do I deal with my mortgage company?
Additional Details
The goal of re-fi is not to get money out but to eliminate the PMI payment. I believe this would create the money needed to get other items paid down. I can cut up the cards, but I still have balances to pay. We have not used the cards in some time, but the balances just seem like they are going nowhere. I have seen where some people say pay more on the higher balances/interst rates, and some say start with the lower ones(as a mental boost of success). Which one is best? |
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dm_dragons
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You need to so some serious soul-searching as you created this mess and only you can fix it.
The simple answer is to either reduce expenses, raise income or a combination of both.
Some credit counseling can help, but be wary as some are no good. A good way to tell is if the plan they offer you is actually going to reduce your monthly expenses and not charge your for it (ok, nothing is free, but it should be maybe $10 per month you are looking for).
In the end, YOU are your best credit counselor. Call your credit companies and ask for help. Call your small local banks - they have cash to re-fi unlike the big guys. But we careful, paying closing costs a second time may not be helpful in the long run.
And nothing will help more than a second job that is earmarked solely for debt reduction - pay the largest interest percents off first. |
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Jellebene
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Sit down and write a list of all your monthly out-goings and your monthly income.
If your income is less than your out-goings then contact you creditors urgently tell them your position and try to negotiate better repayment terms.
If you ignore the problem it will only get worse |
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Bev M
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Firstly get rid of 6 or 7 of your credit cards.
Secondly get a second job.
Thirdly, if you have a wife/partner, she/he should get a second job too.
Fourthly, go see a financial adviser, who may be able to conglomerate your bills into one monthly payment that you can handle.
Fifthly [is there such a word?], I think the financial crisis may have, or will soon, bottom out.
Good luck
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tstewart32008
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You can call the mortgage company and see if you can work a plan with them to make up the month missed. Being a former foreclosure paralegal Ive seen and heard of this same situation with many of my former clients. You can look into debt consolidation but this will effect your credit...but in the end will help pay back everything you owe without filing bankruptcy which once lifted you will have to pay back since they changed the laws.
www.Debtfreeamerica.com is a reputable company there are no fees they ask alot of questions about your income and expenses to see if you qualify. They take your DTI into consideration. If you qualify they will contact all your creditors but if I were you I would call them to give them notice that you will be working w/ a debt consolidation company, the company will draft you monthly and send the payments to the creditors.
Also before this you may want to call your credit card companys and see if they will work with your first. Some of them will not charge late fees, over limit fees if you can make a certain payment each month with out being late...a lot of times they will want to draft your checking acct to make sure you will not be late. |
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The German
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I used to be in the mortgage business and I can tell you that the difference between financial responsibility and struggle is the credit card debt, pure and simple. What I suggest you do is try to move some or all to lower 0% cards for a certain time period by moving around as a "breather" and burn the balances faster. If that option is not "in the cards" then look at the interest rates on all and pay the highest rate off fastest. Your number 1 priority is your house and then your car. You need a place to live and a car to get you around so don't be late on those. Credit Cards are unsecured debt and they have nothing to come get but your money. When you pay off a card, cut it up and cancel it immediately. There is no reason a person should have more than 2 credit cards. I would bet some of these are store cards where they offer you a discount when you open, but it is likely that the discount is void due to all the interest that has accrued from not paying the balances off. You should be buying everything at this moment with cash and not credit. The balances on your cards will go down, but you have to see how much principal you are making a dent in every month. You have to make a sacrifice on other things to get this accomplished. Cut out expenses in your life that are not mandatory like Cable, Internet, Memberships, and other cash burning things.
The best thing for you in the future is to use a debit card for purchases or cash. |
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tanika971
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if your in the US it hard to answer as things are different, if you were in the UK i would say get in touch with the Citizens Advice center as they would give free debt advice and help, they would contact the credit card companies and arrange some sort of repayment that was suitable to both of you, hope you get things sorted, BY the way CUT up your credit cards, so you cannot be tempted to use them anymore. |
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BARBARA M
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I'm an expert on this, I would suggest you take a tour here http://www.CarInsuranceTip.info/free-car-insurance.htm ,there are expert's tips there.
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Jack B
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you need to file a chapter 13 and get rid of your bad debt. Also, your mortgage company has to work with you in chapter 13 and you will be given as much as 5 years to pay back any arrears you have in your mortgage by re-affirming that debt. |
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Cathy
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sell some of of your electronics, furnitures... wont give u a big money but gives you a little help. |
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Ryan P
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nol |
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muritala
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how can u survive with debt |
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