ok...where do i even start, i guess i will start with my stress, like alot of other people, anyway i we have been trying to get a small loan 1500. to get all caught up & know one will help, his credit score is 650 & mine don't even ?, anyway he got another job 7mos. ago & makes good $ & when we get almost caught up something else happenes...like now..the car, & in nov. we can get the house refianced. so my ? is what place might be able to help a small loan, i need something to happen before my b-day, r at least a good news. thanks alot for reading this, first time doing this. please pray!!
2007-09-13 18:07:02 · 7 answers · asked by Tina F 1 in Business & Finance ➔ Personal Finance
The very minute you get the loan to get caught up ,
You are automatically further behind because of the new loan .
Getting more loans is the total WRONG way to to get caught up .
The ONLY way to get caught up is to get in some extra revenue / work hours .
People who work a 2nd job get caught up ,
People who get more loans , end up loosing all in bankruptcy court .
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2007-09-13 18:15:10 · answer #1 · answered by kate 7 · 2⤊ 0⤋
well, Im going to hope that you do the righjt thing and leave the equity of your house alone. It i9sn't a piggy bank. are you up on your house payments? How many credit card payments?
what other payments?
make a budget. one sided is money coming in.
the other side is money going out. budget for food, insurance, cabler bills, electric, trash, telephonee, water, and gas. Trash pickup. Money for food. What is left after you pay all that?
that's what you have to pay bills. How much can you pay? Call your creditor and tell them exactly what you have done, how much you will pay. Try to get them to accept the plan. If they don't send the money to them anyway. after budget that is. If it goes to a judge he will look at your efforts and frown on the creditor. Never allow a creditor to
make you afraid. they have no rightsd to do anythinbg horrible to you other than call alot.
You can alwys take the phone off the hook. If they do get through you do not have to talk to them. If they are unreasonable I kick them out of my house.
They have lied and made my credit look bad but I am getting ready to fix all that. Going by the rules I can make them come up with the truth
and I wont have to pay them. Dont allow them to scare you. They are liars and thieves and I expose them for what they are.
A finance company should loan you money if your house payments are up to date but dont use the house as colateral. This is very important, the interest is too high and you will lose your house.
Keep the payments the way they are and do not borrow money against the house.
2007-09-14 03:07:23 · answer #2 · answered by wpepper 4 · 1⤊ 0⤋
Ma'am, you don't need a loan. You need a money outlook adjustment. My wife and I did the Crown Bible study and got straightened out. See link below. I highly recommend that you get in a Crown bible study group or a Dave Ramsey group. Start listening to Dave Ramsey online or on the radio. You and your husband will have some SERIOUS problems if you don't stop this behavior now. Yes, this is a behavior problem.
My wife and I used to abuse credit also. At one point we had $40K+ in unsecured debt. 4 years after the Crown course that was paid off plus a chunk saved up in the 401K. 4 years after that we have no debt whatsoever. The house is paid for.
God gave us wisdom because we asked for it. You have to want to do this. If you don't then you'll stay in your miserable problems. God will help though if you ask him. He'll show you what you need to do.
PS. Get an extra job. Work at the mall, work at a restaurant, your husband can deliver pizzas. Do whatever is necessary to bring in extra cash. Yes it may be humiliating a little bit to do jobs like that, but you have to do what you have to do to get out of debt. You have to put your pride aside.
2007-09-14 01:19:58 · answer #3 · answered by Anonymous · 1⤊ 0⤋
Instead of digging further into debt, work on paying it off.
Make a strict budget. Eliminate all the extras -- cell phone, eating out, new clothes, beer, premium cable and internet, etc. Put every penny you can squeeze out of that budget on the highest interest rate debt, while making minimum payments on the rest. When the highest rate debt is paid, move to the next, till they are all paid off.
Think of ways to increase your income. Have a garage sale, get a second job, collect alum cans.
If you work at it, you can have all your debt paid off within 2 years.
Also, if you are planning to refinance your home in November, the last thing you need is more debt. You want as much outstanding debt cleared up as possible to get a better interest rate.
2007-09-14 01:53:15 · answer #4 · answered by bdancer222 7 · 1⤊ 0⤋
Have you tried your local bank? $1500 is a small loan, there are tons of products for this type of loan. You could get an unsecured credit card, a line of credit, a personal loan. You just need to figure out the interest rates and what option works bet for you. Check out https://www.wellsfargo.com/ask_user.jhtml?RequestURL=%2Fpersonal_credit%2Frate_payments%2Frate_calc&_requestid=20225 for rates and estimated monthly payment amounts.
2007-09-14 01:16:18 · answer #5 · answered by vegas_vixen24 2 · 0⤊ 1⤋
Our Credit club finances up to $70,000.00 for our registered Members who need funding services. Normally the required credit score is 690 minimum for an immediate approval, and your boyfriend is not too far off from that. We can probably work with him if you registered with our agency online. Check out my profile and use the link to our Credit Club, sign up and we will get in touch with you after you receive your "Welcome New Member" email advising you of all our services.
Thank you and we look forward to hearing from you. You can also visit our website as well at: http://www.thecreditfilescompany.com
Much Love
Peace & Happiness
2007-09-14 02:24:45 · answer #6 · answered by Anonymous · 0⤊ 1⤋
Why don't you just include the debts when you refi in November?
2007-09-14 01:15:32 · answer #7 · answered by Anonymous · 0⤊ 2⤋