Debt management

1. Make a list of all your credit cards in a page.
2. Arrange them according to the interest rate highest at the top and lowest at the bottom.
3. Find the minimum payout of all cards and total the amount.
4. Pay the total monthly minimum payment on time and if possible pay more then the minimum amount to debt free quickly.
5. Don’t make any payment due cause later you have to pay high interest rate. So you should have a proper budget plan before applying for a card.

You need to place some documents to get debt consolidation loan like
1. Your monthly budgetas a proof that you can afford the loan
2. Papers to proof that you have enough income to make the payments
3.Extra security and referrer.

There are many risks in debt consolidation like
1. You will have more liability cause here you have multiple loans in one loan in a process.
2. There are high interest rate that is nedded to pay on a regular basis.
3.Some choole home equity loan as collateral that will be very risky cause ultimately if anyone fail to pay it back the he will loose his home.You may get more detail about debt consolidation from

1. This will make you easier to bidget your cash
2. Lower payments, because a debt consolidation loan often has a lower interest rate then other like credit card.
3. Recover you loan in short time

Once again Freedom, very good information. I noticed a lot of people already seeing their rates going up "due to economic reasons". This of course is all happening before that Feb. deadline. I also noticed how they managed to start raising them about a month before so people can not get fed up enough to pay it off unless of course their pockets were lined with gold. Always something isn't it?

Hi everyone,

I had a company recently garnish my checking account, but they did not get all the money (thankfully had withdrawn some out for gas, food, etc) and I cannot afford for them to get another go at it again but with my new hours at my job I no longer have the time to pay bills or garnishments in person.I'am afraid to deposit money in my checking so I can pay bills online, for fear of a repeat of what just happened but unsure what to do. I have been making payments on multiple garnishments but they all seem to want more money.

I recieved a summons for court for non payment of a loan. I am in the process of filing bankruptcy in a few weeks. My court date is in 3 days. If i do not show up, how long will it take for a judgement to take effect? and will the judgement be dismissed once i file the bankruptcy?

Need help with suing collection agency &

I have a reposession on my credit report,it was originally $13,000 but i have faithfully made payments for the past couple years and i now have it down to $4,000.

I have a store credit card that has a balance of $2,000 that is still in good standing and i have not been late with a payment in two years.I no longer want this credit card and would like to pay it off.

Here is my question.

my wife and i are having financial problems. much of it is from habits of spending but we seem to be behind and always trying to catch up. it was suggested to me that we should try to look into things with drug companies that make the prescribed drugs we take daily for some hardship programs they have. also with our mortgage lender and places like that.

i guess i am wondering if it is really worth trying. my wife and i are both teachers and together make about 90K with 2 kids.

are we even close to maybe getting help from different types of programs?