Bad Credit Consolidation Loan

Archive for May, 2010

swhatley7825 asked:


I need to find a debt consolidation loan for about $35,000 to combine my credit cards. My wife and I have credit scores around 720 and own our home. We have no equity in our home due to the market, but want to combine our debt into one payment. Any ideas?

debt consolidation

tkwiley44 asked:


We are in Chapter 13 bankruptcy, but have paid it down to less than $10,000. We can have a lower mortgage payment if we refinance and pay off the Ch. 13. Is this a good thing to do?

mortgage refinance

Mari asked:


and he has the truck and has been making the payments late! and my name is on it so of course Im getting calls and bad credit, what can I do?? He wont refinance and thats the only option the car dealer place is giving me. Can i take him to court or something and if so how do I do that?

PS we were engaged, together for six years, and have a son together so it wasnt a stupid spurr of the moment thing.

bad credit car loan

Anna asked:


I have never had a credit card, mortgage or car loan. I have never filed bankruptcy. I have looked at my credit report and the majority of problems are medical bills. I also have some unpaid utility bills on there. I cannot even get a cell phone without a $300 deposit. Why do these things make my credit score terrible? I though CC’s and bankruptcies were the major problems. Can anyone explain?

bad credit car loan

Tanya asked:


I have a bank car loan through TD Banknorth and owe $3,000 on my car down from $10,000. I want to get a newer car and want to know if theywill give me another loan if I have bad credit now,but not through them. I’ve never missed a payment,nor have I ever been late. Thanks!

bad credit car loan

mtnman717us asked:


Is there any good way to get out of an upside down mortgage? My ex wife currently owns a house that she really can’t afford. We refinanced the mortgage when we got diovrced 5 years ago. Since then, she has refinanced once more. With the current housing market where she lives, she owes more than she could get for it by selling at a reasonable price. Does she have any options to get out of the mortgage?
If my ex wife sells the house for less than she owes on the mortgage, and owes the difference to the bank, is that money owed at the time of closing or is it paid back as a personal loan?
I did try to help her sell it when we got divorced, knowing it was too expensive for her to maintain with her financial situation. My advice was not well received, as she wanted the status symbol of a big home. I no longer have any financial obligation on the home, so it is not my problem to resolve.
For anyone who wants to know my motive, there is no motive for me one way or the other. I don’t benefit one way or the other. I do care about my children though who live with my ex wife, and making sure they are cared for and have a nice, reasonable place to live. I pay my child support and she needs to also be able to adequately take care of them and share the costs of raising them.

mortgage refinance

Tokolosh asked:


Looking at what is going on in the US at the moment, that’s highly dubious.

Everybody contributed to the mess at present, yes, even you, and now, instead of seeking solutions, all and sundry is on his/her little soapbox pointing a finger. Some are even suggesting violence.

The US owes billions (and both Bush and Obama are guilty here) but, don’t you dare raise my taxes! Go and borrow from China! Our grandchildren can worry about the debt, not ME!
WTF?
Some answers here just prove my point. pretty smug and stupid. We WANT Obama to fail, never mind the cost. THEY must fail!

And if it makes some of you happy, ‘kazillions’, okay?

debt solutions

rn6807 asked:


My ex-husband left me with huge debt, so I filed bankruptcy about 4 years ago. I am 50ish and went back to school for RN degree. Almost there but financially I’m in bad straights. No credit cards; only debt is rent, car, insurance (car/health) and my half of household expenses. Live with my cousin, who had been carrying me until she was hurt in car accident and unable to work for about a year – she’s borrowed from family and credit wrecked thanks to dispute with insurance company. It is a long, long story. Anyway, I will be making excellent money after graduating in June, so after a year I would be able to get a loan through a bank/credit union and pay off debt. In the meantime, I would gladly pay someone 7% on the monies, which is more than you could make in CD, etc. We are to the point of losing the home, and anything I can do to ease this burden and get my degree would be a miracle. Any help out there?

bad credit car loan

The Right Stuff asked:


Isn’t Obama’s solution of increasing our spending debt in order to stimulate the economy like trying to extinguish a fire by tossing gasoline on it ?
Elwood – You are 100 % wrong. Obama’s solution is only an inferior version of the WPA which did NOT bring America out of the Depression.
Only renewed confidence health in American Business can do that and tax increases do NOT make Americans Business healthier more confident.
Obama’s solution is akin to having $ 125,000 in Credit Card debt and solving the problem of Credit Crd debt by amassing another $ 75,000 in Credit Card debt.

debt solutions

samekid480 asked:


The original creditor was ATT and now the creditor is CSC Credit Solutions Corp. (the same company that owns my credit file). I have disputed the amount with the credit reporting agency because the balance is incorrect ($700 more)and because the bill is older than 8 years. After filing the dispute CSC calls me the same day and says that the amount has been verified and that I need to pay them that same day.I’m disabled and being harrassed constantly by CSC and then today I find out that CSC and another collection agency is trying to collect on this same debt. Also, I have another phone bill that shows on my credit report that has been charged off, the collection agency wanted me to pay this bill too. I’m not sure what charged off means. I appreciate any advice on this. I’m trying to repair my credit.
I live in Michigan.

debt solutions