Help Debts

Posts Tagged ‘thanks in advance’

I refinanced my house through Ocwen in 2002 just before a major surgery to help with cost that I knew I would incur during the no work time. They told me one thing on the phone and when it came to signing, the paper work was nothing like what they offered me on the phone, but at the time is was only one week before surgery so I went ahead and signed. Since then I struggled and finally last year I was able to pay off my 2nd mortgage and all credit cards. The only bill left was the mortgage, since I paid off my vehicle the year before. November of last year I was in a bad car accident that totaled my vehicle. After receiving the check from the insurance company I purchased a used 2008 Dodge Advenger for 15,000 with 6,500 down on a 36 month loan. (Trying to stay debt free). Well December comes in and on the 2nd I was informed that layoffs would begin that week and sure enough two days later I got the call not to come in. This was a big surprise, since my company received records profits just the quarter before. Anyway I feel really bad, but I just cannot handle the mortgage payments anymore and I have tried everything to get the mortgage company to do something. They say I do not make enough for them to be able to help me. I am currently spending three hundred every month more than I am bringing in. My savings is now gone and starting to use credit cards again. And at this point I have a good chance of getting a job outside of Michigan, but if I do get the Obama modification I have to stay here with no hope of a job. Things just look worse at my company each month.
Will I be able to keep the car even though there is some equity in it? And can I let the house go this way with no reprecussions? I feel bad, but I also feel they took advantage of me when I was in a bad situation. And I have had the house on the market for over three years with not even a glimmer of hope. Thanks in advance for any and all advice. For those who like to talk down about people that file bankruptcy I pray you never find yourself in this situation. Current situation:

House owed 99,500 value about 105,000
Car owed 7,000 value about 15,000 (kbb)

I have all sorts of debt. 3 closed checking accounts and one closed savings account, a closed credit card account, and four bounced checks. Does anyone know of a solid debt consolidation firm that can help me? Most won’t handle overdrawn bank accounts, and I can’t find one for the life of me. The total debt is somewhere around ,000. The sad thing is that I am a college student who got in trouble with gambling, and now I’m trying to come clean. Please advise! Thanks in advance!

already have 35.91 in CC debt.

The other day I bought a Treadmill Online for 9.98. I used the bill me now option, so I have 3 months to pay that off.. I have about 00.00 in my savings account. So it’ll come out of that..

I know you are probably thinking I’m stupid for buying the treadmill, but I’m 5’8 and 260 lbs.. I feel like I can’t afford not to buy it.. I have to lose this weight, it’s prohibiting me from applying to new job and such.. I don’t want to buy fat clothes for interviews and such. Also, I haven’t dated since 05′..

When I’m done losing weight, I will sell the treadmill.

I really need advice, I want to move out of my parents house next summer..

I feel hopeless.. How can I make fast money to get this debt taken care of, plus have money to save for my future?

I’m 26, I’m tired of being a loser.

I need advice bad, thanks in advance!

PS: I work 2 jobs.. One 32 hrs a week making .35, and the 2nd 20 hrs a week making .00.

I went to school for computer programming, have an associates, but got half way thru and realized I hated it, but finished it anyway.

For the people telling me to walk outside, because its free..

It’s almost winter, and I work 2 jobs.. When would I have time? The point of the treadmill is to get me motivated, cold weather isn’t motivating.

PS: I wrote 2 people on Craigslist, and both of them haven’t responded, that’s why I bought my own.

i have a client who has large debts – to the extent that a voluntary agreement with creditors seems unlikely to make sense – i’ve googled the problem but am only coming up with ‘free advice’ from companies who want to sell their services – voluntary agreements, negotiations etc.

what i need to know is whether you can declare yourself bankrupt and what’s the cheapst way of doing it? i’m a counsellor and don’t have the financial expertise to answer this and it sounds lame, in my ears, to say – go see the CAB…any knowledgeable help out there?

thanks in advance

It would take me years to pay back my entire debt to these billion dollar credit card companies, which I don’t feel at all guilty about with all the interest that they charge.

However, I want to resolve my debts in order to improve my credit score. Are there any good websites that offer advice and ways to settle these debts at relatively low amounts?

Thanks in advance.
Also, some of my debts have been delinquent for over 5 years and have been sold off to collection companies. How do you settle these if the credit card company is no longer involved in the debt (i.e., they sold the rights to the money).

I am much in debt. I called the banks, they won’t give me a loan because I have no collateral. They suggested debt consolidation but said I need a large company that is non-profit. I realize this is not the finance section but I am hoping someone here has done this and had good luck. I am hoping to be out of debt as soon as possible. If I could have one monthly payment verses 9 then I could pay more on the minimum. Thanks in advance.

My fiance was wrongly accused of family violence by his 30 yr old son… who was living with us. He was arrested and charged with aggravated assult. He has a court date in september, and we are in need of some legal advice, and legal aid. We cannot afford the expence of a lawyer, as we are in debt because of his son (not paying rent, bills etc. ) We are in Georgetown, just outside of Austin Tx.

I know my fiance is innocent, as I have witnesed the entire "incident". And the only reason his son pressed charges, is out of retaliation. His father kicked him off the computer, and the son started coming after the father, instigating the whole thing. There were NO punches. Just wresteling. His son was kicking, clawing, and biting. But he was the one who ended up with a few bruises becasue the wrestling ended up on the floor.

If my fiance goes to jail, thre is a very good chance we will lose our home. There is no way I can afford the upkeep by myself.
Thanks in advance!!

Currently I have alot of debt. Most of it is at zero percent interest. However, I have a credit card currently at 0 but will go to 25% in about 4 months. I thought I could have it paid off by then but a few things came up and now i’m not sure. My question is will it hurt my credit score if I do a balance transfer to another card that will offer me 0 % for the first year. I know I can have it paid off in a year, probably 6 months. I have broke the habit of using the credit cards or accuring any debt for that matter. My goal is to be debt free in 9 months. Is this idea overal good(for me and my credit score?). Any feedback would be great. Thanks in advance

Hi there

I’m looking for some advice on a joint loan issue i have. My ex boyfriend and I took out a joint loan aabout 18 months ago but split up 6 months later. we verbally agreed to carry on paying half each until it was paid up, but i am struggling to pay it myself. i have other debt and living expenses and i would like to break free somehow and get the payment down. possibly by speaking to the bank who the loan is with or with using an IVA. How does this affect the fact that it’s a joint loan? does he have to do the same action etc?

Thanks in advance for any help you can give.

Help, my parents are in deep trouble and they need help, with our mortgage and other debt. Im doing this for my parents, because they dont speak English. They can no longer afford to pay for out house, and would like to consolidate loans/lines of credit/credit cards…are there any non profit company that can help us for some advice.

Thanks in advance