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LORI | Im in debt 2,636 total , I have three credit cards....do you have any advice how to pay them off ?? |
one is 1,023 second 637 and third is 976...... I want to have someone third party pay off my debt and me just make payments to them ...is this a dumb idea???? i just need help i'm 2 organize and pay em ...... |
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restlessprincess
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What are you paying in interest (the annual percentage rate) on each of these cards? Look for a card that would offer a really low rate like 6% or lower if you were to transfer your balances on the higher cards over to a new low interest card. Check Chase, Geico, and others, just make some calls or look on line. They ARE available, so do the looking. Then transfer them all to 1 card that has a low interest rate (THAT is the key) and then always make more than the minimum payment on it each month, as much as you can, until you get it paid off. You have to really be strict with yourself but it's do-able. Then you don't have to get a third party involved. If you have a low credit score, check out what it is by going to freecreditreport.com or something similar. You can call one of them and they also have ideas to help get your score increased. If you can avoid it, don't claim bankruptcy. I know sometimes it seems to be the only option but if you do these other things, it will help. Never use store credit cards like Penneys, Macy's, etc. because they always have a really high interest rate like 20% or more and when you get into using cards with interest that high, you can basically forget it. Paying minimum on them each month will NEVER get your balance down. Try to budget by cutting way back on your fast food, coffees, restaurants, grocery shopping, and any other frivolous spending. (Do you really need that new pair of shoes or earrings? - stuff like that.) Use store coupons for groceries, go on line to places to get coupons, and free samples, etc. Did you know Walmart.com has a "free samples" you can search on and have then sent to you, like razors, body wash, personals, cereal, etc. Every LITTLE thing you can do WILL add up, I promise you that. And always remember, it's not what you SAVE each week, it's what you SPEND. The trick is to not spend, or spend as little as possible. Keep a list and write it all down each day for a month to get an idea of where you could cut back. All of these things will help you. You can do it, don't get discouraged. Good luck! |
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Kevin Patrick
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I've had to do that. Ive taken out equity loans on my vehical to pay off the credit card. Interest rate was much cheaper. The interest on credit card bills are killers. If you have friends having the same difficulty as you are you could all help each other out. Free to join $10 a month after that. Get five people to join, $100 bonus. Everybody that you sign up, they sign up 5, they get $100 bonus. You get a $1 residual up 5 levels=3905 monthly. Watch the movie to get more information. Contact me if you have any questions and I'll be glad to help.
http://www.my.ws/quests |
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keke
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start making monthy payments on your credit cards. |
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dave
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LORI,
There's a good article at eHow on steps to take to begin tackling your debt. Take a look at it:
http://www.ehow.com/how_2326032_avoid-escalating-debt.html
How to Stop Escalating Debt
It includes information on companies (both non-profit and for-profit) that can help you with debt consolidation and reduction.
You can also look here for tips on earning some extra cash online:
http://www.ehow.com/how_2254361_money-internet.html
How to make money on the internet, scam-free
Lastly, here's an interesting alternative to conventional lending...getting a "social networking" loan from Virgin Money (from the same folks who run Virgin Airlines):
http://www.ehow.com/how_2310995_student-loan-through-virgin-money.html
Social Loans from Virgin Money
Hope these help. |
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colin s
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The first thing to do is talk to the credit card provider and try to work out an affordable payment plan, the last thing you want to do is use any of the third party/IVA/fee paying companies to help you because they will charge you too much for the service.
You could try contacting Citizens Advice or a Credit Union (if you live in the UK) for advice. |
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juergeneberl
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Ask your parents if they can lend you the money. If you don't pay it back quickly your debt will grow enormous because of the high credit card interest rates. Pay it back to your parents later on. |
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?U3$T!ON
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get a 2nd job and pay monthly slow down on yur spending buy only needed items |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://memurl.com/furetu |
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EO Layne
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First, try to consolidate them so that you're only making one payment per month. In my case I asked for a credit line increase on one card, paid the others using my new credit line, and slowly paid off the one bill.
You just need to work out a payment schedule for the one bill - just make sure you can stick to it, and can afford it. |
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BTGNow.net
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There's a great show you can watch online about exactly this:
Go to www.slice.ca
got to videos
got to full episodes
go to Til debt Do Us Part
Ideally you should speak to someone about your situation who is working in the insustry: try visiting a fee only financial planner if you can.
Otherwise this show, which I review on my website at http://btgnow.net/uweb/slice.html , might be able to give you more information. They talk about things like consolidation, which card to pay down first, etc...
Someone mentioned consolidating, but you should talk to an expert and get better informed before you do that. Another thing you should consider is that in certain cases you should be paying off the card with the highest interest rate first. So if your three cards have 21%, 18% and 19% interest, you'd pay down the one with 21% first, then 19%, and then 18%.
I wouldn't get a third party to pay it off and you make payments to them: you would still be in debt. They don't make your debt magically dissapear, the debt is simply transferred to that company that would be "paying it off". The problem is you wouldn't think about it that way. Better for you to pay it off yourself, because any company that will be willing to pay it off for you will charge you interest, and in total it may end up costing you even more.
You can do it! Just watch the videos, TALK TO AN EXPERT even if it costs you a little bit of money, and PAY IT DOWN YOURSELF. If a company bails you out you won't learn your lesson and you'll just run up more debt. |
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Ervin
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You can go for credit card consolidation. Most likely there are two ways to consolidate your credit card debts. One of the way is Credit Card Consolidation Loan, which is a type of unsecured personal loan. Credit Card Debt Consolidation Loan shortly means one loan for all your credit card debts. When you have several credit card debts, you can consolidate it into one lower, fixed rate loan. You make a single lump sum payment each month to your credit counselor and he in turn will pay off to your current creditors.
Another way is credit card debt settlement plan wherein a debt settlement company would negotiate a lower lump sum payment to pay to your Credit Card Companies i.e. your creditors off and as a result you end up paying fifty percent or even sometimes lower, of your outstanding balance to them.
Here is the source of a debt consolidation company named http://ezconsolidation.com for your reference. |
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mathnasiumrocks
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First take your cards out of your wallet. Put them in a box and wrap them like a birthday present. Do not unwrap them until your first birthday after they are all paid off. Do not apply for new cards.
Take a look at your income and your expenses. Write down how much money you make each month. Then figure out how much money you spend each month. Make sure you include things like rent, utilities, cell phone, car/transportation, food, clothing, entertainment, etc.
Find out the difference between how much you make and how much you spend. Hopefully, you make more than you spend. If you don't you need to adjust your spending so that your expenses go down. (eat at home, get a cheaper apartment, etc.)
Next you need to figure out how much you need to spend on your credit card bills. Call each card number and find out the minimum monthly payment on each card and the interest rate.
Add the minimum monthly payments to your list of expenses. These must be paid every month.
Take the remainder of your monthly income (what ever is left) and pay it towards the card with the highest interest rate first!
Also you should ask your credit card companies if they have any balance transfer specials. You might be able to lower the interest rates and consolidate on to one card.
Going to a third party is not a dumb idea but you don't have that much debt. Use this as an opportunity to learn how to use credit wisely and budget -- going to a 3rd party won't help you with that. |
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jsmithlong
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use online banking to pay bills, easier that way to stay current on payments.
if you have a 4th credit card, you can transfer these 3 balances to that card, that way you have to make only one payment each month. Depending on your credit score, you could get very low rate now on balance transfer.
Do not incur new loans, pay cash or if you charge on credit cards, make online payments every weekend, i follow that strategy.
If you were forced to carry those balances on 3 separate cards, pay off the highest rate card first, then next highest and then third highest.
Good Luck |
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