honey-bunny
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I think it's called roll-over. Say you have a bill that's $50 a month, when that's paid off, pay the $50 a month you were paying to that bill to another, lets say one that's usually $100, so that would be $150 a month (basically like you are still paying on the bill that's gone), that way that debt is paid off faster. When that bill is paid off put the $150 a month towards another bill and so on. I got my two cars paid off that way. |
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Gi-Gi Roxx
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A rolling payment plan for all of your bills. Make mininum payments on all bills, except for one. Focus any extra funds on that one account until it is paid off. Then take all the money you were putting on that bill, plus any extra and focus on the next bill. Eventually you will have them all paid off and in a lot less time than you'd imagine! |
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robert w
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NO! just pay up and stop living beyond your means,
Didjever notice if you pay your credit card bill in full they will raise your credit limit? |
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Demon_fromhell
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How? Stop spending your damn money!!!!! |
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Bosman1
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Go bankrupt. Get a clean slate. People can b----h all they want about this answer but it may be the one for you if you are in excessive debt. ie 200% or more of your income. |
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oreobabylove
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It depends how far indebt you are and what kind of debt. For a free analisis I would recamend calling the citi group. they did an analisis for me and showed me how to get out of thousands in finance charges late fees and over limit fees but you will have to get the contact info yourself i no longer have it |
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Little Dorn
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get rid of all the credit cards and work hard for extra cash. get a good paying job. |
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patclem2
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Things a company will tell you to do: 1. tear up your credit cards.2. Start paying them off. 3. Sit down and make a list of what you have as assets and what you have as bills.4. Make a daily log of what you spend, and that means everything. If you stop on your way to work and grab breakfast, or that Starbucks coffee, you are wasting money. You can make the coffee at home.5. See if you have anything you can sell. That snowmobile in your garage that you have had since forever and never ride. Have a tag sale, or yard sale.6. Get a part time job, and use that money on paying off credit card bills. |
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Arzuita
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Don't get companies that helps you with your credit, is bad think to do.
The best way is to call your creditors and make payment arrangements and pay them on time. Same creditors will take out the interest rate on late payments, that will help.
I did it for my husbands creditors. |
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hpneil
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Get a 2nd income, pay your bills. Or you can declare bankrupt. |
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jim
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pay debts with higher levels of interest more agressivly first. |
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regis_cabral
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One thing is to consolidate your debts in one place with a long term payment plan.
But it will not help, if you do not look into the reasons for the debt. You have to address them.
At the same time, reduce expenditures by managing your life style. Reduce waist.
Also look at ways to improve your income long term, like getting additional training or education. |
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Gemini 4 Lyfe
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there is no way for racists like u to get out of debt. don't know im talkin bout. go back to ya answered ?'s Jimmy |
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Keyon F
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If you own yor own homw you can refinance and pull cash out to pay off your credit card bill and raise your credit score dramatically. I work for United Lenders Group and I work with over 45 different banking companies so I could get you a mortgage loan no matter how bad your credit is or how much in debt you may be
916-860-0804
keyon |
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Robert W
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Click this link. It's great. I've been doing this for a couple months and it just depends on how much time you want to spend with it. I only work on this about an hour or two a week and for the first couple of months Ive already netted an extra $500 per month.
I know this doesnt sound like a ton of money, but for a little time as I invest in this the return is great. AND the best part is the return isn't month to month, the return is comprehensive. That means the $500 I made this month will only grow bigger the more time I put into it.
Be skeptical, its natural. However, give it a try, I think you'll be suprised.
CLICK ----> http://website.ws/kvmlm2/my.dhtml?sponsor=wvjock |
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stopccdebt
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Our organization helps people eliminate credit card debt. You can also look for a local organization in our directory. Either way, you can find reputable agencies that can talk with you for free.
I also recommend making sure anyone you work with has a satisfactory rating with the Better Business Bureau.
Good luck! |
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Joker
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If your debts are serious enough and you don't have any huge assets like CDs, Stocks or Houses (retirement funds cannot be touched) then I'd declare bankruptcy (you've got to be at least $15k in debt).
Other than that you'll need to stop spending money on things you want. Only spend on things you need. Every extra cent use to pay off your debts. Call your debt holding companies and see if you can get your interest rates lowered temporarily while you try to get oyur balances down.
You may need to get a second job or get a better job. You also may need to work at a job you hate in order to get a better pay rate.
Cancel subscriptions to magazines, cancel netflix or blockbuster, decrease your driving, electricity and gas usage. |
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mathematician
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Don't use a company! They end up costing you more.
First, make sure you pay at least the minimum on each credit card every month. If you don't, your interest rate will go up on *all* of the cards!
Second, pay off the credit card with the highest interest rate first. Then pay off the one with the next highest interest rate, etc. Pay off as much as you can afford each month, but make sure it is much more than the minimum.
Third, make sure you STOP SPENDING money on non-essentials. Essentials include food, housing, and clothes (not fancy ones!). Keep your spending under control or you will just be back in debt again before you know it.
If your spending simply is too much for what you make, consider getting another job or training for a higher paying one.
If all this fails, you may have to consider bankruptcy. But the laws for this have tightened recently, so you will have to see if you are eligible. |
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bluedoggy2006
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AAA Fair credit will help you. They work with your debtors to lower your interest and monthly payment.
Comment from above: How true Billy haha |
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Danny
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There is no company that can do for you anything that you can't do yourself.Plus they charge you for their "services".Go to msn.com and click on the link for their "Money" homepage.You'll find tons of usefull information.It's well worth it to take the time to read up on your finacial rights and responsibilities.
Also....do the common sense things.Cut your spending.Pay down the higher interest obligations first.Look into refinancing at a lower rate if you qualify.
DO NOT pay anyone or any company to handle these things for you,or to tell you things that you can find for free on the internet.! |
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Billy I
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When your in little debt people freak out but the more and more you go into debt your attitude will more likely be "f*** it" |
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Anthony
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consolidate all your debt somewhere with a low interest. budget all your expenses and finances. or
work more, get another job for a while or
file for bankruptcy or
win the lottery or casino |
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wheniawoke
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www.daveramsey.com
check him out, it's the most important thing your can do
you can get out of debt yourselve, you don't need a company to do it for you. good luck |
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Ecstacy
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Just forget about it and it will go away |
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