PCon asked:


I can’t do bankruptcy because it affects my wife’s credit. My credit score is very very bad, so I cannot get a consolidation loan. I don’t own my own house, so I am unable to get an equity loan. I’m running into walls here, and I need help. Thanks!

hollydaze_8015 asked:


Does anyone out there know of any good credit consolidation companies that don’t charge a lof of money or are free, but that have good results? I live in Michigan.

FamilyOf4 asked:


I am getting in over my head with my credit card bills. I haven’t overcharged them but my interest rates have gone up and my credit lines have been decreased by the banks. I want to consolidate them to get the rates lowered and so I won’t fall behind and hurt my credit(especially now). I google’d it but a ton of things came up. I don’t want to get scammed. Please help!

2fine4u asked:


Here it the thing. I just recently went back to work after having our second. We both are in the high income bracket. My husband and myself. For most of my pregnancy I did not work. We were fine until recently a family member got into an accident and it financially hurt us, it hit our savings hard. We still have a good deal of savings but we want to take some measures before it becomes a problem. We have a mortgage that is higher than most. We have a car note that will be done in a year. The car note for our son’s car just got started. I also have substantial credit card debt. We were debating whether we should consolidate or deplete our savings and pay off two of them and start to rebuild our savings. Any suggestions?

thunder3 asked:


I would lke to know if there is a type of loan that will allow you to consolidate credit cards, personal loans, and purchase a home at the same time. I am currently a graduate student with student loans as well.

marinesprincess82 asked:


Does anyone know of a place that I could do either one of these? I have bad credit so I think getting a loan might be out of the question. Thanks!

alecreations asked:


I have about 40 % positive home equity , no late payments , but I only have been owning the house for a couple months. My house is in California and I have a fair to good credit with too many inquiries in the last 6 months.

Chris B asked:


There are many sites on the web, but most of them charge monthly fees and setup costs. I need help managing my credit, developing a budget and getting out of debt. Are there any good companies or non-profit organisations that provide these services?

primaldestiny2 asked:


I know that my credit is going to go downhill in the near future. Can I put it on a plan through Credit Consolidation? I have other cards etc. but only really need help with 2 of them. It’s either seek that help or not pay at all.. what is your advice?

qalbisaleem asked:


I have not used this card in years yet with all of the fees and what-have-yous it is becoming a monster. Beside going through a debt consolidation program are there other choices for closing the account and paying it off?