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BetsyLauren | I want to consolidate my debt but I don't own a house, so I can't go to a mortgage company. Help!? |
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Maggy G
 |
Try the below company. Home ownership is not required |
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Dan M
|
I have a couple of ways to help you. My website has credit cards that give you a year of 0% interest on balance transfers. I also have a loan site that has many different loans available.
http://
www.
freewebs.
com/
whowantstoberich |
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Simon C
 |
You usually can get personal loans from mortgage companies that don't require home ownership. Local banks, especially one where you have an established bank account are also a good option. A couple of websites to look at: ditech.com; lendingtree.com |
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dynamite136
 |
if you need alot of money then its doubtful that the banks are going to loan it to you. you might want to look into a credit counseling service.they talk to your creditors and get interest dropped and work on a payment you can afford to make until the debt is paid off. |
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bunncat
|
You dont need to own a house to do this but it sure helps. However if you have a good credit rating, haven't declared personal bankruptcy and have an income, you should be able to go to your own bank talk to a loans officer or mgr and ask for a "debt consolidation loan". Tell them what your purpose("want to pay off all my small bills etc") is and they usually give to most applicants unless you have a huge amt of debt and they think its too much to cover or the repayment terms would be a financial hardship for you. BTW Im in Canada but I would think that American banks/loan companies work same way. I would be very cautious dealing with on line loan companies and those they "guarantee you not to be rejected" etc. because you tend to pay higher interest rates in the repayment process. Good luck.. |
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KathyS
|
Use a credit counselor. They arrange for you to pay what you can afford to them and then they pay it out to your creditors. |
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more60
|
Never consolidate you loans. You only dig yourself deeper in debt.
Definitely don't fall for the credit card solution When they offer o% financing for a certain period. Work your way out of debt by setting up a budget. Going the credit route will lead you to go further in debt. |
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Gwendolyn R
|
You can apply for a personal loan, just as you would a car loan, from any bank or lending company. You can go ahead and apply and get pre-approved to see what kind of loan you are able to get. Just keep in mind a couple of things. 1) Depending on the loan, the interest rate might not be much better than what you are paying on your credit cards, and 2) Once you take out that loan, you are locked into making the monthly payments, just like a car payment. This can be a good thing because it "forces" you to pay down your debt, just make sure that you can afford the payments.
Another strategy you might consider is transferring your debt to another credit card that gives you a good promotional interest rate. These rates will be probably lower than anything you can get with a personal loan. If you can keep transferring your balance to cards that charge 0-5%, you can save a LOT of money and pay your debt down faster. These balance transfer offers abound. There is simply no reason to keep your balance in a card that is charging you 18% (or more!).
One more important piece of the puzzle: STOP using credit cards. Period. Don't carry them in your wallet. Use debit card, spend only what you have, and start putting a little money away in a saving account in case you need it for car repairs or other periodic necessary expenses. |
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mey t
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Credit Counseling: Here you learn the tips and tricks of eliminating debt but it will not consolidate your debt. Counseling is done by agencies, which help you design a payment plan with reduced interest and fees. You pay money once a month to the counseling agency, which will pass it on to your creditors. Your credit rating will not be affected if you go for credit counseling and you want to eliminate debt within 3-6 years. But check out the credentials of the company as there are many companies who hold on to your payment instead of handing it to the lender. This can harm your credit rating. |
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Rob D
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Contrary to most of the advice here, consolidating your debt is a great idea. However, you do need to be cautious not to use this as an opportunity to increase your debt. That's obviously counterproductive.
Also, keep in mind that when you move balances from a credit card, which applies interest on a revolving basis, to a personal loan, which is normally simple interest, the interest rates are misleading. If you were to move a balance from a card charging 13% to a personal loan also charging 13%, you would end up paying MUCH less interest on the loan. Don't compare interest rates; compare the total payments over a specific period to pay off the balance.
Your bank can show you this comparison and take your application, normally over the phone. |
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FTG!
 |
Great idea - pay off your debt by taking out a loan...............
A loan that you will have to make payments on while you run up your other debts again. |
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