Unsecured Debt Consolidation Loans http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info Sun, 03 Jan 2010 01:07:17 +0000 http://wordpress.org/?v=2.7.1 en hourly 1 wacc 9%, after tax debt 5%, cost of equity 11% what is the debt to equity ratio given info. above? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/wacc-9-after-tax-debt-5-cost-of-equity-11-what-is-the-debt-to-equity-ratio-given-info-above http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/wacc-9-after-tax-debt-5-cost-of-equity-11-what-is-the-debt-to-equity-ratio-given-info-above#comments Sat, 02 Jan 2010 22:01:14 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/wacc-9-after-tax-debt-5-cost-of-equity-11-what-is-the-debt-to-equity-ratio-given-info-above
  • My husband and I have decent credit scores (670-710) but we have a high debt to income ratio. We always make sure things get paid on time but it seems money is always tight. kgpink2714 asked: Related Blogs Related Blogs on Credit Scores...
  • What is the WACC if a firm has a target debt-equity ratio of.5, cost of equity is 15% and a PRE-TAX (cont)? Hot Rob P asked: cost of debt is 9%....
  • Help! How to calcuate after tax cost of equity and long term debt? Mary asked: See my question in the financial part...
    • ]]>     tax debt
    Lisa C asked:

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    1. My husband and I have decent credit scores (670-710) but we have a high debt to income ratio. We always make sure things get paid on time but it seems money is always tight. kgpink2714 asked: Related Blogs Related Blogs on Credit Scores...
    2. What is the WACC if a firm has a target debt-equity ratio of.5, cost of equity is 15% and a PRE-TAX (cont)? Hot Rob P asked: cost of debt is 9%....
    3. Help! How to calcuate after tax cost of equity and long term debt? Mary asked: See my question in the financial part...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/wacc-9-after-tax-debt-5-cost-of-equity-11-what-is-the-debt-to-equity-ratio-given-info-above/feed     How have the 2001 Bush Tax Cuts affected the economy and the debt? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/how-have-the-2001-bush-tax-cuts-affected-the-economy-and-the-debt http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/how-have-the-2001-bush-tax-cuts-affected-the-economy-and-the-debt#comments Sat, 02 Jan 2010 15:57:36 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/how-have-the-2001-bush-tax-cuts-affected-the-economy-and-the-debt
  • Whats the difference between high taxes and high national debt? Freakazoid asked: Did Reagan actually reduce government spending or did...
  • Are you an undecided voter? I hope this will help you. 1.The highest growth...
  • do you know a website that can tell me how many americans have credit card debt? dundi asked: I just want to know how much debt...
    • ]]>     tax debt
    Tom asked:



    The bush administration kept spending on domestic projects and the debt or did the debt increase because the lost revenue and therefore that is what blew hole in the wealthiest americans the biggest cut and the biggest cut and therefore that led to the.

    The government borrowing from china to make up for the biggest cut and the wealthiest americans the two wars.


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    2. Are you an undecided voter? I hope this will help you. 1.The highest growth...
    3. do you know a website that can tell me how many americans have credit card debt? dundi asked: I just want to know how much debt...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/how-have-the-2001-bush-tax-cuts-affected-the-economy-and-the-debt/feed     I owe the IRS $18000+ for the 2008 tax year. I want to make an offer to the IRS, but don’t know how low I can go. What is a reasonable offer to make, 10%, 20% 30%…, or lower? If anyone has been in a similar situation, please let me know what you offered. Also will my IRA affect the settlement? I failed to mention that I’m retired, will be 69 this year, and receive a pension and Social security. I’m also in debt with credit cards to a tune of $90000. I could pay off the $18000 and my credit card debt, but that will leave me with nothing to live on!! I was told that the government could not touch my IRA. Is that right or wrong? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/i-owe-the-irs-18000-for-the-2008-tax-year-i-want-to-make-an-offer-to-the-irs-but-dont-know-how-low-i-can-go-what-is-a-reasonable-offer-to-make-10-20-30-or-lower-if-anyone-has-been-in-a-s http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/i-owe-the-irs-18000-for-the-2008-tax-year-i-want-to-make-an-offer-to-the-irs-but-dont-know-how-low-i-can-go-what-is-a-reasonable-offer-to-make-10-20-30-or-lower-if-anyone-has-been-in-a-s#comments Sat, 02 Jan 2010 12:28:21 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/i-owe-the-irs-18000-for-the-2008-tax-year-i-want-to-make-an-offer-to-the-irs-but-dont-know-how-low-i-can-go-what-is-a-reasonable-offer-to-make-10-20-30-or-lower-if-anyone-has-been-in-
  • Will the next Republican president be any more fiscally responsible? B. Goldwater asked: Related Blogs Related Blogs on 15...
  • We went to apply at a credit union and the first time the lady said that we was approved of the amount that we asked for without collateral and that the next day we could fill out the forms and get our loan. The next day we went, it was a totally different woman and story. She told use that we was not approved at all for the amount of the loan that we have asked for but that they colud offer us another amount in which was not enough to pay off one of the four credit cards that we have. It’s very, very fraustrating because we pay all our bills on time and we do make the mininmum payments on the credit cards which ranges from $50-$100 but that’s not enough for them. We just want to pay off the credit cards and to build our credit back up again. What can we do? We need some help!!! We don’t own or rent a home and we have a personal loan (that we pay them on time) already with the credit union that we went to to apply for debt consolidation loan. NoNo asked: Related Blogs Related Blogs on Cards Credit...
  • Ok… So I got a credit card in 2007 from Wells Fargo. It is unsecured and the amount was for a $6,000 limit. My Husband and I purchased a 22′ long trailer and Xmas gifts that year. Financially, we hit hard times and I never paid a single payment on it. So, it went over limit up to like $7,000+. After we got back on our feet, I contacted the bank right before it went into collections and made an agreement for them to automtically draft $140.00 out of my account per month. At this rate, we now owe like $5,000 on the debt. The “credit card” aspect is gone, so it is just debt. We will have it paid off in like 3 years. It is showing up on my credit report as in collections. They said that they will accept a lesser amount. Any Suggestions? Please help. I know nothing about credit and what looks good/bad on credit reports, but I know that it being in collections is BAD. They said it’ll say “collections” until it is paid off completely- that’s 3 years. I know that after 7 years, if I paid nothing, I’d be $5,000 richer and it would disappear off my credit. Due to the fact that we also have 2 personal loans, one for my car and the other for our (HUD) house that we took out in 2006 with Wells Fargo, I wonder if I call and offer them like 1/3 or even 1/4 of the debt, if they’d accept if I threatened that I’d file bankruptcy and they’d get nothing for all 3 loans. The other two were $10,000 and we still owe $7,000 and the other was a $15,000 and we owe like $11,000. The 2 were both 5 year notes. Please help. I know it’s alot to take in. We are financially set now and I DO want to pay off debt, but I want to do it so that it makes my credit look better as well. Thanks in advance :) I am not really going to file Bankruptcy. I was told that mentioning Bankruptcy increases your chances of them coming down on the amount they will accept. I just called and they said I owed $7,055.97 and now it is down to $4,955.97. She said that if I pay it all office it will say Charge-off, paid in full, zero balance. The settlement amount offered right now is $3,469.17 but I would have to pay the IRS unearned income tax on anything over $600.00. Right now, the debt is simply debt. There is no interest being added AT ALL. So I am tempted to keep paying $140.00 per month. But, if there is a lesser and shorter way out. I am all Ears :) ALSO, If I do decide to settle, does the 7 years start from today or does it start from the date it was “charged off” which was 1 year ago? Whitney asked: Related Blogs Related Blogs on Credit Reports...
    • ]]>     tax debt
    Bob asked:

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    1. Will the next Republican president be any more fiscally responsible? B. Goldwater asked: Related Blogs Related Blogs on 15...
    2. We went to apply at a credit union and the first time the lady said that we was approved of the amount that we asked for without collateral and that the next day we could fill out the forms and get our loan. The next day we went, it was a totally different woman and story. She told use that we was not approved at all for the amount of the loan that we have asked for but that they colud offer us another amount in which was not enough to pay off one of the four credit cards that we have. It’s very, very fraustrating because we pay all our bills on time and we do make the mininmum payments on the credit cards which ranges from $50-$100 but that’s not enough for them. We just want to pay off the credit cards and to build our credit back up again. What can we do? We need some help!!! We don’t own or rent a home and we have a personal loan (that we pay them on time) already with the credit union that we went to to apply for debt consolidation loan. NoNo asked: Related Blogs Related Blogs on Cards Credit...
    3. Ok… So I got a credit card in 2007 from Wells Fargo. It is unsecured and the amount was for a $6,000 limit. My Husband and I purchased a 22′ long trailer and Xmas gifts that year. Financially, we hit hard times and I never paid a single payment on it. So, it went over limit up to like $7,000+. After we got back on our feet, I contacted the bank right before it went into collections and made an agreement for them to automtically draft $140.00 out of my account per month. At this rate, we now owe like $5,000 on the debt. The “credit card” aspect is gone, so it is just debt. We will have it paid off in like 3 years. It is showing up on my credit report as in collections. They said that they will accept a lesser amount. Any Suggestions? Please help. I know nothing about credit and what looks good/bad on credit reports, but I know that it being in collections is BAD. They said it’ll say “collections” until it is paid off completely- that’s 3 years. I know that after 7 years, if I paid nothing, I’d be $5,000 richer and it would disappear off my credit. Due to the fact that we also have 2 personal loans, one for my car and the other for our (HUD) house that we took out in 2006 with Wells Fargo, I wonder if I call and offer them like 1/3 or even 1/4 of the debt, if they’d accept if I threatened that I’d file bankruptcy and they’d get nothing for all 3 loans. The other two were $10,000 and we still owe $7,000 and the other was a $15,000 and we owe like $11,000. The 2 were both 5 year notes. Please help. I know it’s alot to take in. We are financially set now and I DO want to pay off debt, but I want to do it so that it makes my credit look better as well. Thanks in advance :) I am not really going to file Bankruptcy. I was told that mentioning Bankruptcy increases your chances of them coming down on the amount they will accept. I just called and they said I owed $7,055.97 and now it is down to $4,955.97. She said that if I pay it all office it will say Charge-off, paid in full, zero balance. The settlement amount offered right now is $3,469.17 but I would have to pay the IRS unearned income tax on anything over $600.00. Right now, the debt is simply debt. There is no interest being added AT ALL. So I am tempted to keep paying $140.00 per month. But, if there is a lesser and shorter way out. I am all Ears :) ALSO, If I do decide to settle, does the 7 years start from today or does it start from the date it was “charged off” which was 1 year ago? Whitney asked: Related Blogs Related Blogs on Credit Reports...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/i-owe-the-irs-18000-for-the-2008-tax-year-i-want-to-make-an-offer-to-the-irs-but-dont-know-how-low-i-can-go-what-is-a-reasonable-offer-to-make-10-20-30-or-lower-if-anyone-has-been-in-a-s/feed     Is de schuldconsolidatie het beste antwoord voor me? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/is-de-schuldconsolidatie-het-beste-antwoord-voor-me http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/is-de-schuldconsolidatie-het-beste-antwoord-voor-me#comments Wed, 30 Dec 2009 22:30:14 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/is-de-schuldconsolidatie-het-beste-antwoord-voor-me
  • Ik heb ongeveer 12.000 creditcard schulden. Wat is de beste schuldconsolidatie, redcution dienst rond? Dankzij? boisfeu asked: Ik heb opgebouwd ongeveer 12.000 dollar van...
  • Hoeveel did/do u moeten voor schuldconsolidatie betalen? chi_twnchica asked: I' m dat ernstig nadenkt werkend met...
  • Hoe kan ik het beste programma van de schuldconsolidatie in New Jersey vinden? KOOLAID asked: I' m dat vrije schuld en behoeftehulp...
    • ]]>     debt consolidation
    catchthissound asked:

    Mijn echtgenoot en ik werd onlangs verteld door een lenend bedrijf dat als wij elk van onze schulden op betalingsplannen, zetten en een creditcard ertoe brachten om ons krediet te beginnen, zij een lening zouden geven. Zou het gemakkelijk elk van onze schulden moeten consolideren, welke don' t omvat welke ook creditcardrekeningen, of roept eenvoudig elke plaats en zette hen op afzonderlijke betalingsplannen?

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    1. Ik heb ongeveer 12.000 creditcard schulden. Wat is de beste schuldconsolidatie, redcution dienst rond? Dankzij? boisfeu asked: Ik heb opgebouwd ongeveer 12.000 dollar van...
    2. Hoeveel did/do u moeten voor schuldconsolidatie betalen? chi_twnchica asked: I' m dat ernstig nadenkt werkend met...
    3. Hoe kan ik het beste programma van de schuldconsolidatie in New Jersey vinden? KOOLAID asked: I' m dat vrije schuld en behoeftehulp...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/is-de-schuldconsolidatie-het-beste-antwoord-voor-me/feed     They need the outside addy for confirmation of welcome package verification. Could this come back to bite me in the future> http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/they-need-the-outside-addy-for-confirmation-of-welcome-package-verification-could-this-come-back-to-bite-me-in-the-future http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/they-need-the-outside-addy-for-confirmation-of-welcome-package-verification-could-this-come-back-to-bite-me-in-the-future#comments Wed, 30 Dec 2009 04:18:35 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/they-need-the-outside-addy-for-confirmation-of-welcome-package-verification-could-this-come-back-to-bite-me-in-the-future
  • Is there a website or service that offers a debt stimulus package for credit card debt? Jeff asked: We? been much talk in the news...
    • ]]>     debt consolidation
    MeGaStar asked:




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    1. Is there a website or service that offers a debt stimulus package for credit card debt? Jeff asked: We? been much talk in the news...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/they-need-the-outside-addy-for-confirmation-of-welcome-package-verification-could-this-come-back-to-bite-me-in-the-future/feed     My husband and I were recently told by a lending company that if we put all of our debts on payment plans, and got a credit card to start out our credit, they would give a loan. Would it be easily to consolidate all of our debts, which don’t include any credit card bills whatsoever, or simply call each place and put them on separate payment plans? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/my-husband-and-i-were-recently-told-by-a-lending-company-that-if-we-put-all-of-our-debts-on-payment-plans-and-got-a-credit-card-to-start-out-our-credit-they-would-give-a-loan-would-it-be-easily-to http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/my-husband-and-i-were-recently-told-by-a-lending-company-that-if-we-put-all-of-our-debts-on-payment-plans-and-got-a-credit-card-to-start-out-our-credit-they-would-give-a-loan-would-it-be-easily-to#comments Wed, 30 Dec 2009 01:01:08 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/my-husband-and-i-were-recently-told-by-a-lending-company-that-if-we-put-all-of-our-debts-on-payment-plans-and-got-a-credit-card-to-start-out-our-credit-they-would-give-a-loan-would-it
  • Ok… So I got a credit card in 2007 from Wells Fargo. It is unsecured and the amount was for a $6,000 limit. My Husband and I purchased a 22′ long trailer and Xmas gifts that year. Financially, we hit hard times and I never paid a single payment on it. So, it went over limit up to like $7,000+. After we got back on our feet, I contacted the bank right before it went into collections and made an agreement for them to automtically draft $140.00 out of my account per month. At this rate, we now owe like $5,000 on the debt. The “credit card” aspect is gone, so it is just debt. We will have it paid off in like 3 years. It is showing up on my credit report as in collections. They said that they will accept a lesser amount. Any Suggestions? Please help. I know nothing about credit and what looks good/bad on credit reports, but I know that it being in collections is BAD. They said it’ll say “collections” until it is paid off completely- that’s 3 years. I know that after 7 years, if I paid nothing, I’d be $5,000 richer and it would disappear off my credit. Due to the fact that we also have 2 personal loans, one for my car and the other for our (HUD) house that we took out in 2006 with Wells Fargo, I wonder if I call and offer them like 1/3 or even 1/4 of the debt, if they’d accept if I threatened that I’d file bankruptcy and they’d get nothing for all 3 loans. The other two were $10,000 and we still owe $7,000 and the other was a $15,000 and we owe like $11,000. The 2 were both 5 year notes. Please help. I know it’s alot to take in. We are financially set now and I DO want to pay off debt, but I want to do it so that it makes my credit look better as well. Thanks in advance :) I am not really going to file Bankruptcy. I was told that mentioning Bankruptcy increases your chances of them coming down on the amount they will accept. I just called and they said I owed $7,055.97 and now it is down to $4,955.97. She said that if I pay it all office it will say Charge-off, paid in full, zero balance. The settlement amount offered right now is $3,469.17 but I would have to pay the IRS unearned income tax on anything over $600.00. Right now, the debt is simply debt. There is no interest being added AT ALL. So I am tempted to keep paying $140.00 per month. But, if there is a lesser and shorter way out. I am all Ears :) ALSO, If I do decide to settle, does the 7 years start from today or does it start from the date it was “charged off” which was 1 year ago? Whitney asked: Related Blogs Related Blogs on Credit Reports...
  • My partner and I have credit card debts and personal loan debts of around $40,000… We would like to consolidate these debts into one sinple pay option. We dont any estate property to borrow aganist and we also cant provide any tax returns… So we are looking for a low doc or no doc loan to help us… Can anyone please provide us with any information? Its not that we are struggling to pay off these debts but it would be nice to save a bit on interest… getting on top asked: ...
  • Two months ago I maxed out all my credit cards and opened an unsecured personal loan because I needed cash for family emergency. Now I have approximately $80,000 debts from credit card companies and bank (all unsecured). After one month, I couldn’t afford to make the payments. For my situation, I don’t think I am able to payoff all the debt. What are my options now? When would the credit card company sue me? Can they garnish my salary? If the debt transfer to collection company, how much can I bargain off for a lump sum payment? Should I settle the payment myself or go to debt consolidation company? How many years the bad record would stay on my credit report? I live in California. I’m working full time with $50,000 annual salary. The only property I own is a free-and-clear car (2007). I might able to borrower $20,000 from my girlfriend if a lump sum payment is offered. Please answer as much as you can. Your help is much appreciated. Sincerely thanks. Rick asked: ...
    • ]]>     debt consolidation
    catchthissound asked:




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    1. Ok… So I got a credit card in 2007 from Wells Fargo. It is unsecured and the amount was for a $6,000 limit. My Husband and I purchased a 22′ long trailer and Xmas gifts that year. Financially, we hit hard times and I never paid a single payment on it. So, it went over limit up to like $7,000+. After we got back on our feet, I contacted the bank right before it went into collections and made an agreement for them to automtically draft $140.00 out of my account per month. At this rate, we now owe like $5,000 on the debt. The “credit card” aspect is gone, so it is just debt. We will have it paid off in like 3 years. It is showing up on my credit report as in collections. They said that they will accept a lesser amount. Any Suggestions? Please help. I know nothing about credit and what looks good/bad on credit reports, but I know that it being in collections is BAD. They said it’ll say “collections” until it is paid off completely- that’s 3 years. I know that after 7 years, if I paid nothing, I’d be $5,000 richer and it would disappear off my credit. Due to the fact that we also have 2 personal loans, one for my car and the other for our (HUD) house that we took out in 2006 with Wells Fargo, I wonder if I call and offer them like 1/3 or even 1/4 of the debt, if they’d accept if I threatened that I’d file bankruptcy and they’d get nothing for all 3 loans. The other two were $10,000 and we still owe $7,000 and the other was a $15,000 and we owe like $11,000. The 2 were both 5 year notes. Please help. I know it’s alot to take in. We are financially set now and I DO want to pay off debt, but I want to do it so that it makes my credit look better as well. Thanks in advance :) I am not really going to file Bankruptcy. I was told that mentioning Bankruptcy increases your chances of them coming down on the amount they will accept. I just called and they said I owed $7,055.97 and now it is down to $4,955.97. She said that if I pay it all office it will say Charge-off, paid in full, zero balance. The settlement amount offered right now is $3,469.17 but I would have to pay the IRS unearned income tax on anything over $600.00. Right now, the debt is simply debt. There is no interest being added AT ALL. So I am tempted to keep paying $140.00 per month. But, if there is a lesser and shorter way out. I am all Ears :) ALSO, If I do decide to settle, does the 7 years start from today or does it start from the date it was “charged off” which was 1 year ago? Whitney asked: Related Blogs Related Blogs on Credit Reports...
    2. My partner and I have credit card debts and personal loan debts of around $40,000… We would like to consolidate these debts into one sinple pay option. We dont any estate property to borrow aganist and we also cant provide any tax returns… So we are looking for a low doc or no doc loan to help us… Can anyone please provide us with any information? Its not that we are struggling to pay off these debts but it would be nice to save a bit on interest… getting on top asked: ...
    3. Two months ago I maxed out all my credit cards and opened an unsecured personal loan because I needed cash for family emergency. Now I have approximately $80,000 debts from credit card companies and bank (all unsecured). After one month, I couldn’t afford to make the payments. For my situation, I don’t think I am able to payoff all the debt. What are my options now? When would the credit card company sue me? Can they garnish my salary? If the debt transfer to collection company, how much can I bargain off for a lump sum payment? Should I settle the payment myself or go to debt consolidation company? How many years the bad record would stay on my credit report? I live in California. I’m working full time with $50,000 annual salary. The only property I own is a free-and-clear car (2007). I might able to borrower $20,000 from my girlfriend if a lump sum payment is offered. Please answer as much as you can. Your help is much appreciated. Sincerely thanks. Rick asked: ...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/my-husband-and-i-were-recently-told-by-a-lending-company-that-if-we-put-all-of-our-debts-on-payment-plans-and-got-a-credit-card-to-start-out-our-credit-they-would-give-a-loan-would-it-be-easily-to/feed     2 credit card companies are offering 60% off balances, but want a full payment. Can I negotiate a pmt. plan? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/2-credit-card-companies-are-offering-60-off-balances-but-want-a-full-payment-can-i-negotiate-a-pmt-plan http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/2-credit-card-companies-are-offering-60-off-balances-but-want-a-full-payment-can-i-negotiate-a-pmt-plan#comments Tue, 29 Dec 2009 21:29:11 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/2-credit-card-companies-are-offering-60-off-balances-but-want-a-full-payment-can-i-negotiate-a-pmt-plan
  • Ok, so I have about $20k in credit card debt. I have been faithfully paying down the balances for over a year and have not been late on any card once, nor have I used the cards. Several of these cards have resulted in decisions that have negatively affected me including raising the APR, raising the minimum payments, lowering my credit limit, and even forcing me to close some cards because of attempts to raise the APR by over 6% on previous purchases. I have written these companies in hopes that they will negotiate the balances, APRs or both. I am still paying more than the minimum on each card each month however, if these particular banks do not choose to change the current terms, I am going to be unable to continue to pay them. Can these banks garnish my wages? Obviously, credit card debt is unsecured debt. I rent my home and own my car with no payments so to me, bankruptcy seems stupid especially given that I intend to pay over $13k on my two cards where the banks have not changed the terms to benefit them while disadvantaging me. anna_prentice asked: ...
  • Two months ago I maxed out all my credit cards and opened an unsecured personal loan because I needed cash for family emergency. Now I have approximately $80,000 debts from credit card companies and bank (all unsecured). After one month, I couldn’t afford to make the payments. For my situation, I don’t think I am able to payoff all the debt. What are my options now? When would the credit card company sue me? Can they garnish my salary? If the debt transfer to collection company, how much can I bargain off for a lump sum payment? Should I settle the payment myself or go to debt consolidation company? How many years the bad record would stay on my credit report? I live in California. I’m working full time with $50,000 annual salary. The only property I own is a free-and-clear car (2007). I might able to borrower $20,000 from my girlfriend if a lump sum payment is offered. Please answer as much as you can. Your help is much appreciated. Sincerely thanks. Rick asked: ...
  • I was thinking of signing up with a debt settlement company but I have heard the debt settlement companies not what they seem. They promise to settle your credit card and unsecured debt for half or less than what you owe. I have heard what they don’t tell you is that you usually get sued, get your wages garnished, and that the debt settlement companies over report what they actually save you while charging you a huge fee. In addition, I have heard that your savings are reported to the IRS as income and that your credit report is trashed. Supposedly their seemingly caring sales people are paid high commissions. Apparently you can negotiate with your creditors and be just as successful while saving the thousands of dollars these companies charge you. What I want to know is if all that is really true about these companies and can I actually negotiate with my creditors myself and save thousands in fees. I need the scoop from someone that is honest and knows the truth about these companies Jake Lamont asked: Related Blogs Related Blogs on High...
    • ]]>     debt reduction
    Robyn asked:




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    1. Ok, so I have about $20k in credit card debt. I have been faithfully paying down the balances for over a year and have not been late on any card once, nor have I used the cards. Several of these cards have resulted in decisions that have negatively affected me including raising the APR, raising the minimum payments, lowering my credit limit, and even forcing me to close some cards because of attempts to raise the APR by over 6% on previous purchases. I have written these companies in hopes that they will negotiate the balances, APRs or both. I am still paying more than the minimum on each card each month however, if these particular banks do not choose to change the current terms, I am going to be unable to continue to pay them. Can these banks garnish my wages? Obviously, credit card debt is unsecured debt. I rent my home and own my car with no payments so to me, bankruptcy seems stupid especially given that I intend to pay over $13k on my two cards where the banks have not changed the terms to benefit them while disadvantaging me. anna_prentice asked: ...
    2. Two months ago I maxed out all my credit cards and opened an unsecured personal loan because I needed cash for family emergency. Now I have approximately $80,000 debts from credit card companies and bank (all unsecured). After one month, I couldn’t afford to make the payments. For my situation, I don’t think I am able to payoff all the debt. What are my options now? When would the credit card company sue me? Can they garnish my salary? If the debt transfer to collection company, how much can I bargain off for a lump sum payment? Should I settle the payment myself or go to debt consolidation company? How many years the bad record would stay on my credit report? I live in California. I’m working full time with $50,000 annual salary. The only property I own is a free-and-clear car (2007). I might able to borrower $20,000 from my girlfriend if a lump sum payment is offered. Please answer as much as you can. Your help is much appreciated. Sincerely thanks. Rick asked: ...
    3. I was thinking of signing up with a debt settlement company but I have heard the debt settlement companies not what they seem. They promise to settle your credit card and unsecured debt for half or less than what you owe. I have heard what they don’t tell you is that you usually get sued, get your wages garnished, and that the debt settlement companies over report what they actually save you while charging you a huge fee. In addition, I have heard that your savings are reported to the IRS as income and that your credit report is trashed. Supposedly their seemingly caring sales people are paid high commissions. Apparently you can negotiate with your creditors and be just as successful while saving the thousands of dollars these companies charge you. What I want to know is if all that is really true about these companies and can I actually negotiate with my creditors myself and save thousands in fees. I need the scoop from someone that is honest and knows the truth about these companies Jake Lamont asked: Related Blogs Related Blogs on High...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/2-credit-card-companies-are-offering-60-off-balances-but-want-a-full-payment-can-i-negotiate-a-pmt-plan/feed     Can I settle my tax debt through some sort of program? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/can-i-settle-my-tax-debt-through-some-sort-of-program http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/can-i-settle-my-tax-debt-through-some-sort-of-program#comments Tue, 29 Dec 2009 20:36:45 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/can-i-settle-my-tax-debt-through-some-sort-of-program
  • If you are in a debt consolidation program and you spend more than your budgeted program per week, what is the penalty? Is there a penalty to opt out of...
  • Co sądzisz o konsolidacji zadłużenia? Naomi asked: Usłyszałem realizując jeden z tych konsolidacji zadłużenia...
  • I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it. My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS. srs5225 asked: ...
    • ]]>     srs5225 asked:

    I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it.
    My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS.

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    1. If you are in a debt consolidation program and you spend more than your budgeted program per week, what is the penalty? Is there a penalty to opt out of...
    2. Co sądzisz o konsolidacji zadłużenia? Naomi asked: Usłyszałem realizując jeden z tych konsolidacji zadłużenia...
    3. I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it. My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS. srs5225 asked: ...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/can-i-settle-my-tax-debt-through-some-sort-of-program/feed     math in aleast one 10pts http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/math-in-aleast-one-10pts http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/math-in-aleast-one-10pts#comments Tue, 29 Dec 2009 16:45:05 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/math-in-aleast-one-10pts
  • Math Problem: how do I solve for TIME in a question like this? Christina asked: James Taylor has $1500 in credit card...
  • I need assistance with a financial debt calculation, this is beyond my math skills LOL? fyrechick asked: We are looking to become debt free....
    • ]]>     debt reduction
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    1. Math Problem: how do I solve for TIME in a question like this? Christina asked: James Taylor has $1500 in credit card...
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    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/math-in-aleast-one-10pts/feed     Would you rather pay fewer taxes, but pass debt on to your children? http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/would-you-rather-pay-fewer-taxes-but-pass-debt-on-to-your-children http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/would-you-rather-pay-fewer-taxes-but-pass-debt-on-to-your-children#comments Tue, 29 Dec 2009 16:03:54 +0000 http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/would-you-rather-pay-fewer-taxes-but-pass-debt-on-to-your-children
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  • Please stay non-partisan…It is a fact that Pres clinton had budget surplusses during his tenure. Why didn’t the national debt go down in these years? Also, if the congress spent the money instead of paying down the debt…how was there a surplus? rick123157 asked: Related Blogs Related Blogs on Money Successful...
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    2. Please stay non-partisan…It is a fact that Pres clinton had budget surplusses during his tenure. Why didn’t the national debt go down in these years? Also, if the congress spent the money instead of paying down the debt…how was there a surplus? rick123157 asked: Related Blogs Related Blogs on Money Successful...
    3. Whats the difference between high taxes and high national debt? Freakazoid asked: Did Reagan actually reduce government spending or did...

    ]]>     http://unsecured-debt-consolidation-loans.how-do-i-get-rid-of-debt.info/would-you-rather-pay-fewer-taxes-but-pass-debt-on-to-your-children/feed