Bad Credit Consolidation Loan

Archive for September, 2011

Haunted asked:


After having been wrongfully terminated August of last year, and being out of work for nearly 4 months with no income, my car was repossessed. On top of owing close to $15,000 for that, I owe for a cell phone bill, as well as 4 credit cards, one of which I got to help out while I was out of work. Are there any other options to get myself out of debt without spending years and more money than actually owed to avoid filing bankruptcy? Some of these credit cards have gone up 4 times the amount that was initially owed. One of my major concerns is that I was paying the payment protection plan and none of the companies honored it. I would have easily been able to pay my debt had they honored the payment protection plan. I could dispute that and get the amount owed down to the actual amount, but where does that leave me with paying off a car I don’t have? Please, any advice would be greatly appreciated. I’m only 26 and the last thing I want to do is file bankruptcy.
I’m furthering my education and do not wish to have such poor credit for the next 7 years. How will I be able to afford rent, a car, and paying this debt off while going to school?

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mybyvideo asked:

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boatdockjocky asked:


I am looking into a offer and comprise for tax lins most firms want $5,000.00 up front. Also looking for some one to help offer settlements on collections. I only have X amount of dollars and would like to pay as many as possible and avoid bankruptcy and no body gets nottin. Know any body or were to look. Thanks

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Pritch asked:


My realtor is trying to short sale this property, but a bankruptcy attorney recently suggested allowing it to foreclose and for me to file bankruptcy to avoid any debts & taxes. Is bankruptcy the only option for not ending up with a mountain of debts. I’m presently unemployed.

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butkus asked:


I “settled” with several creditors and cashed in my 403B last year to pay back income taxes and avoid bankruptcy. These all add up to additional earned income greater than $60,000. I’m expecting this wil result in a real big income tax liability. Will the IRS let me pay over time or am I likely to be back to considering bankruptcy and losing my home. I did receive a $6000.00 raise in January and can start drawing a $700.00/mos pension in March that may allow me to keep afloat. Any ideas out there? Thanks

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Ray asked:


I decided to file for chapter 7 and the main reason is my house among many other obligations, I can’t afford it anymore. I am already 2 months late on my mortgage. The bank wont allowe me to short sale the house. Can I add the mortgage to my bankruptcy and avoid foreclosure? I figure this way I’ll have to deal with the bakruptcy record . Some advice please…?

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PAUL asked:


I am in the middle of a divorce filing, and need to file for a legal separation. What is involved without having a lawyer for this? Also, since my ex has all of my personal information and could mess with my credit just for spite, is there any way I can set up a contact and personal password for the credit bureaus to verify it is me asking for credit? I am trying to avoid bankruptcy and get back on my feet, but this has left me financially destitute.
thank you for any help

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Gwendolyn asked:


…to expect?
How can you evaluate differnt lenders in this space? I am trying to help someone avoid bankruptcy, but need to find out if this is a viable option. Currently he is paying 26.49 % interest!!!

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I?agoodhug asked:


I had been planning to sell my house to avoid declaring bankruptcy.
Im facing a tax lien sale for my house (long story but my beloved older boyfriend broke my heart. he had asked me to stay and not move away and i took my house off the market in February , ironically his house just sold and i found out he had been cheating and lying and then i was laid off from my job last month)

I was planning to sell my house quickly to avoid tax lien sale.
But I’ve just found out two ways I could get more equity in my house if I have more time via bankruptcy (bankruptcy would put a hold on the tax lien sale in my state of PA)
i FOUND OUT I CAN DECLARE A ‘HOMESTEAD’ rebate for 2009 and that would save me 5k on my current taxes.
Also my mortgage company is offering to reduce my mortgage balance by 3%.
thats around 9k.
So if I declare bankruptcy now, I can gain 14k in equity.
If I sell my house quickly at a lower price that lowers the amount I walk away with even further….
So it is smart to declare chapter 13 ?

thanks!

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