Author of "Branding You The Brand New You", Caryn home-schooled her 3 children before creating her blog in 2010. Teaching since 1986, Caryn authored, edited and self published several books including Brincely The Brave, The Mastermind eBook, My Grandma's Birthday, Top Tips For Spiritual Living and More. Featured by eZine as an article writing expert, Caryn specializes in Network marketing using the internet. Contact Caryn to create budget friendly websites starting at $100. Teaching online skill basics available. Call for quote 570-460-6961
What are the pros and cons of credit counseling for consumers and debt consolidation?
Hello, I am in desperate need a council that my situation is just getting out of hand. I used to have a credit score of about 800 for nearly two years. Now I do not even bother to check my highest score. I made the mistake of purchasing some rental properties with guns. Over time, bad tenants, rising interest rates and a recent wedding I really put in reverse. I tried and tried everything. A couple of my properties have been about foreclosures. I have tried the business that issues credit dispute, but that's not helping. The thing is, my revolving debt is not really so bad, I have two revolving accounts only, but are at the top. I just need pick on them and also arrange my mortgage. I've thought about consumer credit counseling and wanted to know its pros and cons, any advice would be appreciated. Thanks!
There is an article here about the consolidation advice can help. Good luck!
Is there a better way to reduce credit card debt? … if so can anyone tell me how it works?
The first you have to do is block them so you do not use. I do not recommend cutting up, because an emergency may occur and must be able to get a card only emergencies. Second contact each creditor and ask if you can lower your interest credit cards (April). If you can not talk with them, then you can go to a debt consolidation program and they can negotiate with creditors to eliminate rates and lower rates. Keep in mind, But if you use a debt consolidation may not apply for credit during the time they are in the program and a note will be on your credit report you is participating in a program of debt management and will retire when finished. Meanwhile you have to pay as much as possible of each invoice. Pay creditors in April with the highest first and then pay to have the largest balance and so on. I recommend if you can not get a second job and then earn money on the side. I work at home and this is what I do:) I can take in a game right direction, if this is something you are interested in sending an email. Good luck
Credit Card Companies Using Behavior Profiling In Order To Lower Credit Limits.
My tax refund offset due to defaulted student loan debt consolidation would prevent them from taking refund?
I have some delinquent student loans and I just found out will not get a tax refund because of these loans. Now I have two dependents to care for and need all my money. I wondered if I was to consolidate all my student loans while a debt consolidation agency would stop the Department of Education to take my tax refund?
hello no I can not stop, even if you made regular payments are difficult and I hope then a refund will not I hope that helps
Small Business Debt Consolidation Loans – Avoid Bankruptcy
How long will it take the / 4% interest rate of 3 per latest cuts affect mortgage rates and loan companies?
With the Fed decision to cut interest rates, I understand that banks follow suit and lower interest rates. How fast is needed for these changes to go into place? At what point should people start to research to refinance their mortgages and other loans in which they actually reflect the new rates?
Unless you have a fixed rate mortgage, mortgage interest rates today are very important in deciding how much you should pay every month
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