Debt Problems
Debt Assistance Knowledge Base
Has anyone completed the debt settlement program with Enhanced Debt Assistance? and if so what was the outcome Debt settlement program out of Texas I am aware of the rip off report and they assure me this was a one time incident with an impatient customer. They tell me time is what it takes to get thru the program... I am looking for someone who has worked with them to advise me on their outcome.
Where do I find a professional to provide financial assistance to better manage my debt? What type of professional offers assistance with examining and evaluating an individual's personal financial debt. I am looking for someone to review my personal balance sheet and provide suggestions on how to make improvements. I have no investments and am way over-extended. I am concerned about using a CFP, because I am not looking for portfolio or investment advise. I am also concerned about meeting with a banker, because I have horrible credit and certainly don't want to borrow more money. Additionally, I need more help that just reading a book can offer. I know I need to make changes, I would like to get a professional's advise on making these changes wisely. I would appreciate any suggestions on getting some strong financial advice. This is not unsecured debt i.e. credit cards. This is real estate, cars, boats, etc. We make a healthy income. Its not the daily purchases of coffee and eating out that is draining us. We have too many high ticket items and need help determining which to refinance and which to sell. I am looking for the appropriate type of financial advisor to help us.
Is there anywhere I can apply for government aid/assistance to help pay off debt? Or from the state of FL? I live in FL. And I keep hearing that these authors which are publishing "get out of debt"-books include sources where you can apply for government assistance. At times, this is just a gimmick to buy the book. Please help. Due to the market crash here, I have racked up $40,000 in debt. I havent missed a payment yet but I am getting so scared that that moment may come.
Are there any negative comments regarding the Enhanced Debt Assistance Group? This company helps people with credit problems.
has any one had any luck with those debt assistance programs? I know they take a fee but do they take a lot off you credit cards
Can someone please tell me if filing personal bankruptcy will get rid of all my credit card debt? Also, anyone know of a reputable (tried and true) debt relief assistance or debt counseling company?
debt assistance vs. bankrupcy? i know that both hurt your credit score but in the long run they will alleviate stress and allow me to get on track financially. i've heard that credit counseling can result in lots of extra fees from the company as well as the creditors. does anyone have experience and/or advice.
what is considered public assistance in oklahoma? Regarding child support arrears: I understand that back child support can be payed with the non custodian parents tax returns IF the state is not due debt for public assistance. However, in Oklahoma I think this is fuzzy and I havent found the answer yet. In public assistance cases, they typically take any child support received to pay off the state debt, but if a person receives child care assistance and food stamps, they can still receive their child support payments. So...if the taxes were garnished, would the custodian parent receive that?
Is there a way to repair my credit rating quickly after having a debt company? I am now debt free but have been told that I will now NOT have a credit rating for 6 years as my accounts were defaulted after taking assistance from a debt management company but then paid off by my family? 1) Is this true? 2) Can anything be done to improve my credit rating? 3) What about these credit repair companies? Dare I ask about a mortgage??
I need assistance with a financial debt calculation, this is beyond my math skills LOL? We are looking to become debt free. My husband and I trimmed our budget to where we have an extra $300 a month to pay off these debts. We are going to start sending the $300 plus regular payment to the lowest first then moving to the next and next with additional payments and finally paying off the mortgage. What I need help with is finding either a online calculator or some assistance on how to factor in the intrest rates and such to achieve this goal. I also would like to see what it would take to do it in 4 years. Any assistance with any of the questions is greatly appreciated. Here are our figures. Credit Card- 8% Balance- 2800 Month Payment 150 Car Loan- 8% Balance- 13,900 Month Payment 356 Mortgage- 5.9% Balance- 114,500 Month Payment 915 These payments are not including the extra $300 we would be putting into it. Thank you so much for your help
Single parent w/too much student loan debt afford living, and too much income for assistance, any answers? I have recently decided that I can no longer live w/my toxic parents. Which means my 6.5 y.o. daughter and I are now homeless. Currently we are staying at my sister's house, but it is clear we will not be allowed this luxury for long. I have a good career and work full-time, but I borrowed so much money while in school, my student loan debt is greater than 1/2 my income and w/other debt I basically have zero dollars left for child care or housing, my sister is a teacher and is off in the summer, but once school starts I will be homeless and w/out child car and this will make employment difficult, I have been looking at government resources, but b/c they mostly go by income and household size I do not qualify. I am basically looking at moving into a shelter with two bachelor degrees and a full time job as a registered nurse.this is why I went to school in the first place to provide for myself and my daughter.The parents are no longer an option and I have no friends in this state
What is the right way of fixing your credit/paying off your debt, without outside assistance? My husband and I want to sell our house, but have made the really difficult decision not to at this time, since our debt seems to be really high. We've got about five student loans, two mortgages, two car loans, four credit cards and then all the rest of the house stuff - utilities, insurance, etc. What suggestions do you have for paying off these debts so that we can pay more off on our mortgage and start actually getting ahead of the debt? We're already trying to pay off the smallest debts first, and once paid off, paying that amount towards the next smallest, but this doesn't seem to be going fast enough.
Where can my fiancee get financial assistance for medical bills? This past weekend, the daughter of my fiancee fell very ill and has been hospitalized. When she is released from the hospital in about three days, we expect the bills to exceed $10,000.00. My fiancee has no medical insurance (she can't afford it), and doesn't make much money to begin with. Are there any charitable organizations, or government agencies that she can go to for financial assistance? I fear the wieght of the medical debt will be crushing to her, and I can only help so much myself. We currently live in Chicago.
Is there a way to afford dental work or get financial assistance? I am looking at approximately $2000.00 additional cost for a bridge replacement (after my insurance pays) I am a single mom, in debt aproximately $20,000 from the divorce. I cannot get approved for any more loans. Where do I go to find help or financial assistance? Please no rude comments, jsut sincere help. Thanks
why can illegal immigrants receive public assistance when legal permanent residents cannot? My husband is becoming a permanent resident, and part of the process includes signing a sponsor with enough income to support the immigrant. In the forms it says the immigrant is not eligible for welfare, and the sponsor is responsible to financially support the immigrant for the next few years. I'm not complaining about this rule (since we weren't planning to use public assistance), but why are illegal immigrants somehow receiving food stamps and other benefits? They're also paying state school fees, while my husband paid international tuition (which put us thousands of $$$ in debt). I'm just confused about the favoritism toward illegal immigrants. Illegal people can't vote, so why is it to the politicians' best interest to promise these things? I'm more liberal myself, but I don't agree with supporting illegal behavior.
How to send an unpaid debt to collection? I just started my own electrical contractor business (no employees, only myself) and I did a couple of service calls for a company, and afterwards sent them an invoice for $640.00 It's been almost three months, and I still have not been paid. I have contacted their maintenance manager ( the one who called me asking for assistance) and their accounts payable. They don't even return my calls, and I am tired of calling. What's the best way of sending this unpaid debt to collection? Who has to pay for the collection expenses? Please advice. Thanks
How can you get into a home without any money down, bad credit and substancial debt? I have been in and out of the hospital and am unable to work , my husband makes over $55,000 a year but we are a family of 5 crammed into a 2 bedroom apt. He has student loans and bad credit from divorce. He had a home from his previous marriage, but I have never been a home owner. The question is how can we get out of this hole we are in and start moving on with our life? Iwant to try to be in a home b4 my 3 yr old son starts school.. because the schools where I currently live are unsatisfactory. we currently pay $650 a month in rent .. which is more than most of my friends house payments so I am wondering how do I get started trying to improve our situation and get into a home .. with $1,000 in debt each month and no way to possibly save for a down payment of any kind. We have paid our rent every month, that is one thing we do make sure gets paid . have been in and out of the hospital and am unable to work , though we have not asked or have been receiving any assistance what so ever. My conditions include spinal bone growths, organ failure and chronic pain , which makes it difficult to just care for my son and my 2 step sons (which are all under the age of 12), Since my doctors have told me I am physically unable to work right now options for going back to work are not really there. My husband works 12 hour days at his job, that he has held for over 7 years. We have 1 car( that is paid off). Our rent of $650 a month that we do pay does not include our utlities or anything else. Our phone bills, electric, cable, water all get paid as well and we have a good payment history with them as well. Our credit debt includes :my husbands government student loans, credit cards from his previous marriage, and one month of car insurance not paid by me after I went into the hospital. we are looking for a home in the $50-$100k price range .. so that we can make our payments.
Does Tennessee law require notice before sending a debt to collections? My husband defaulted on a student loan through the Tennessee State Assistance Group and it went to collections. He never received notice of his loan being in default or going to collections because he has been living in Indiana. Does a business in Tennessee have to give notice to a person before sending their debt to a collection agency?
Is there any free legal assistance for credit counselling available overseas? I want to find out information what kind of legal assistance available for me while I am overseas as I need to handle my time barred debt (of more than 6 years old ).
Where can I to start debt consolidation that works? HI, WOULD LIKE TO GET ASSISTANCE IN PAYING BILLS THAT ARE IN COLLECTION. I HEARD OF DEBT CONSOLIDATION BUT IM NOT SURE WHICH ONE IS THE BEST TO BEGIN TO PAY MY BILLS. I AM TRYING TO INCREASE MY CREDIT SCORE.
What happens to my debt if I move to Canada from the US? Can I get some kind of assistance? I want to move to Canada, but have about $40,000 in debt...
Question: Consumer Credit Assistance or Snow Ball it to get out of debt.....? First off, Settlement is out of the question b/c it is not good for people who may want a Government Clearance for a job....so scratch that. Also we already have a second mortgage so scratch that too......My issue is we are in serious debt and we want to get out before we get in serious trouble. My husband works for the Gov. so it is very important he stay current and no bankruptsy ect. Our plan is to sell a vehicle that we are having trouble paying for each month ($518 a month payments) Once we sell that we are going to apply that money toward our debts as such......Credit loan #1 (which is currently $90 mth and bal of $600) Apply $518 mth and $90 until paid off. When paid off apply the $518 a month + $90 mth + Credit loan #2 monthly payment amt. until paid off. We keep doing this with all our debts until they are all paid off. This is called the Snow Ball effect. because the payments get bigger as you go along. Anyhow, the problem its taking forever to sell the Van. Ideas?
Where is Texas can you get free bankruptcy assistance? I have large debts and a very low income (due to various things that have went wrong in my life in the past year) and I have no money to file bankruptcy. I hear it costs 500 dollars which is what my rent costs and I have to choose rent over legal fees. I have nothing to sell to make money and work a job with a different schedule every week and also a very strict emloyer who goes on firing sprees all the time. It is not a bad job in the sense that I do make more than minimum wage so I can't afford to lose it. I have limited transportation which limits where I can get to as many businesses in my city are in areas with no bus service and I can't take off or be late for work under any circumstances. Is there any place to get free assistance and that useless credit counseling thing that is required? I know it is required although I do not believe in conselours of any type.
i need money im in bad debt does anyone know a place to get an personal loan? i don't dont qualify for rental assistance programs , they say i make too much, and the debt im in needs to be paid immediatly before im faced with eviction. Working but hrs can't catch up. served with eviction 3-day notice last month and now this month. Trying to downsize to budget, but thats where my credit history comes into pay. All bad.
I have a lot of credit card debt close to $50000 from my business. What are some ways to clean this up? My business is still in the growth stage but we have racked up debt close to $50000 that is sitting on my personal credit cards. Should I transfer that debt to a large credit line under my company name? Will that alleviate the stress on my personal credit debt? or will that not matter because it is still my corporation? Any assistance with this matter is appreciated. I only hope to clear these debts sooner than later..Thanks
Does anyone know of any financial assistance for a single mom? i have a 2 year old and twins on the way, and im a single mom, but I make too much money to qualify for WIC or other common assistance? but even with child support, im still going to be in debt each month. does anyone know if the grants for women are real? i got an answer from ED, he told me to get a job... funny i said i have a job but get paid to much to qulify for anything... lol
What percentage of people do you think are "debt free"? With the exception of a mortgage and car (you need a place to live and transportation to make money to stay debt free), how many people do you think live debt free? Within their means (managing their debt wisely)? What percentage are spending money like there's no tomorrow (receiving assistance of some sort, but still buying video games, cell phones, and other non-essentials)?
Is it time for China to cash in some of Americas debt? I mean China has its hand out right now and it owns a substancial amount of American debt, why not just cash some of that in instead of asking everyone else for assistance? America's debt I would rather see some of the National Debt paid off then just sending funds and supplies. China broke? I think China has more money then you think. Excellent feed back John
Where can I look to get assistance for medical and living expenses? My bf broke his leg about 3 weeks ago. Much like the rest of the world, we live check to check and him not being able to work has given us tremendous debt. We have a house in MI and I have looked online and called several of the numbers given on the websites, getting the same answer about no one being able to help us. He has some medical coverage thru work, but nothing significant. Does anyone have any ideas that might help us?
How can I get assistance with reparing my credit? my credit score is low because I have accounts in collections. I would like to buy a home in 3 to 4 years. I need a get out of debt plan.
Do single people get any assistance when buying a home from the government? I'm a single male veteran with no children. I want to purchase a home and was prequalified for 110k using my VA Home Loan. My girlfriend has a very high debt to income ratio and will likely file bankruptcy due to high credit card debt. I can't buy anything with her in that shape. I don't have a down payment, I do have the VA benefits. Home prices are more expensive than ever. How do I purchase a home on my own? In Phoenix, AZ the housing market seems out of reach and all that is left are small "apartment condos."
Is there any way to reduce IRS debt after an installment agreement is entered into and with liens filed? I tried offer of compromise route and was turned down on a technical point; then filed with US Tax Ct.; had to withdraw case because IRS levied my wages on one year that was not in court filing; now in installment agreement, with nearly half my take home salary being taken monthly from my checking account. IRS says they cannot reduce penalty until taxes are paid, which makes no sense to me. I wish an open, honest answer, not someone selling ripoff IRS assistance. I came clean with IRS now they are driving me into poverty.
I have an intl hospital debt was referred for collections with a US agency. Should I borrow $ or make payments I have 30 days to pay it all or it will be reported on my credit. Should I try to borrow the money from friends/family to pay it or pay what I can on a monthly basis to the hospital or the collections agency? I prefer to pay the hospital but they say I must work with the agency. I am not trying to dodge my obligations but rather was pursuing assistance (internationally) from a deadbeat dad. What a mess....just trying to clean it up the best way possible.
How do I solicite monetary donations to get out of debt? public assistance of any denomination would be appreciated to help me payoff creditors. I made bad decisions and have learned my lesson but neeed help
How many more Norwegian Christmas Trees to the UK for their WW2 debt is it going to take? "In December each year, Norway gives a Christmas tree to the United Kingdom, in thanks for the UK's assistance during World War II. A ceremony takes place to erect the tree in Trafalgar Square.[15]" -Wikipedia Does anyone know what year they will pay back the United Kingdom? :)
Does anyone know of a website or phone # where I can apply for housing assistance in PA? I'm a single mom and don't make very much money. My ex husband left me with tons of debt, which he doesn't care about, and I am currently living with my parents, but need my own place. Desperately.
Where can i look to see if my family can get some kind of public/financial assistance? i am not even sure what I am looking for? Food stamps maybe? we are heavy in debt and can barely pay for food, let alone our bills. i am unemployed and unable to work due to a back injury, my dh works hard but the money isn't enough.
I have a credit card in collection =(. If I pay off my debt, can I then use that same credit card? My debt isn't too much, but I'm a [starving] student and its hard without any financial assistance from my family. Would I have to get a different credit card? Or can I use that same one once it's debt-free? Also, will my credit score be back in good shape? Thanks for the advice/help =)!!
Home equity loan for a rental property located in Morristown, New Jersey. Purpose: debt consolidation? I am a landed immigrant in Canada, living in Edmonton. I have tried to get a home equity loan on my property located in Morristown, New Jersey. I have approached several major US-based lenders. I have been refused the loan because I am not a US permanent resident. I need your help to locate a financial institution (American or foreign) willing to work with me. I have an acceptable US credit score and my job in Canada is steady and well paid (I work for the Government of the province of Alberta). I want to use the funds to consolidate my debt. Thank you for your assistance!
Is there a way I can get financial assistance, even though my credit is messed up, really messed up? I'm in a real deep hole due to the fact that I had to help a family financially for a year and that set me back financially. I have creditors on my back, and I cant seem to get out of the hole, but since my credit is so messed up I cant get a loan to put my debts up to date. I wish I could consolidate or something but nothing is working out for me. Does anyone know what I can do? Bankruptcy is not an option anymore, its too expensive to file to start and I dont have that kind of money.
what do you do for medical debt when your unemployed?can u go to jail for medical bills?can they take ur stuff I am 27 yr old female,I am unemployed due to health probs,and don't have medical insurance. I am currently seeking to get on disability.due to a disc l injury and other health probs II was hospitilized a few times in 2,005 n 2,006 and have wracked up a hospital bill debt of at least 12,000. I am not employed and my husb and I hardly make the ends meet as it is.Can they put me in jail I do not own a car or a home.WHAT SHOULD I DO??i cant get medical assistance either,AM I IN DANGER OF GOING TO JAIL.im unwell and the stress is making me so depressed! the bill collectors scare me.I havent been able to pay even a few dollars on it...plz someone what should I do???
late husbands medical bills,are they my debt? my husband died in a car wreck a few years back. theres about $15,000 in unpaid medical bills. they automatically sent them to me in my name, like i was the one in the hospital. can they do this? am i responsible?he was already in the hospital, with everything they did done before i ever even knew.im only 26, a son together this is a huge debt! this happened to anyone else? did you find any assistance to help pay them? any info greatly appreciated.
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