Help with bankruptcy or debt relief options?

Im on the fence and i need some insight. Im 27 currently having about 18k total debt from about 4 credit cards. Around 2007 every thing was fine i made about 440 a week with less than 40 hours of work. My main Credit card was 17k limit and credit score was 779. Bought a [...]

Continue reading...

Is there a way to consolidate all debts to make one payment?

I currently have an auto loan @ 7% interest(can’t sell car because loan is higher than value), 1 credit card @ 16.9%, a federal student loan @ 3.7%, and a private student loan @ 17.95% in addition to rent & utility bills. What are my best options to reduce my payments? I’d like to make [...]

Continue reading...

Need help fixing credit….dont know where to start….this is all so frustrating!!!!?

Here is my situation: I am about 8k to 10k in debt, with really bad credit. 90% is medical bills that I could not help because I had no insuranse. The rest is unpaid bills like cell phone, electric co. etc, and 1 credit card that is wriiten off as “bad debt”. I’m only 23 [...]

Continue reading...

How do I fix BAD credit?

I have an outstanding student loan.. I have never paid on it due to the fact I went to Prison while I was attending School and never got an education out of it. Not to mention alot of medical bills also.. Every thing is now at collection agencies.. And you know them — Gimie your [...]

Continue reading...

Im beginning to feel like the only person without a savings.. thoughts?

Im 1/2 of a young (25) engaged couple a few years in the work force. I now make enough to get by- but not enough to put money away in savings ( i am putting money away in a 401k though for retirement) I dont make a super low salary- but its still low enough [...]

Continue reading...

Foreclosure: Walking away from my house?

This is the last thing I want to do, but I’m afraid I’m out of options. I live paycheck to paycheck and have enough debt to dip into credit cards monthly to pay utilities. My wife just lost her job and there’s no way we can pay our credit card bills and mortgage. We bought [...]

Continue reading...

Could I ever get out of debt?

after a major financial upset me and my husband plummeted head first into the deep dark hole of debt. We now make 30k a year. We had a 4k credit card balance that we took care of through a settlement using our entire tax refund. All of our accounts are now in collections including 8k [...]

Continue reading...