My Debt Stuff » Debt Consolidation http://www.my-debt-stuff.com Debt Help For The Rest Of Us Sat, 06 Mar 2010 17:11:34 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 How good is debt settlement over debt consolidation? Is it a more reliable method? ? http://www.my-debt-stuff.com/2010/03/06/how-good-is-debt-settlement-over-debt-consolidation-is-it-a-more-reliable-method/ http://www.my-debt-stuff.com/2010/03/06/how-good-is-debt-settlement-over-debt-consolidation-is-it-a-more-reliable-method/#comments Sat, 06 Mar 2010 17:11:34 +0000 admin http://www.my-debt-stuff.com/2010/03/06/how-good-is-debt-settlement-over-debt-consolidation-is-it-a-more-reliable-method/
Brenda asked:


What I am interested to know is if Debt Settlement really works and if you know of anyone who has been through it.

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]]> http://www.my-debt-stuff.com/2010/03/06/how-good-is-debt-settlement-over-debt-consolidation-is-it-a-more-reliable-method/feed/ 3 What debt reduction /consolidation agency that will give high discount to help pay off credit card debts? http://www.my-debt-stuff.com/2010/01/30/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-4/ http://www.my-debt-stuff.com/2010/01/30/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-4/#comments Sat, 30 Jan 2010 13:07:41 +0000 admin http://www.my-debt-stuff.com/2010/01/30/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-4/
hayati k asked:


I need help with paying off my credit card debts. There are so many debt reduction /consolidation agencies that I don’t know which one is good/authentic and will give the best rate (discount). For those who had gone through this experience, please advise. Thanks.

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]]> http://www.my-debt-stuff.com/2010/01/30/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-4/feed/ 6 How does the debt collection process work on an unsecured loan? http://www.my-debt-stuff.com/2009/12/23/how-does-the-debt-collection-process-work-on-an-unsecured-loan-3/ http://www.my-debt-stuff.com/2009/12/23/how-does-the-debt-collection-process-work-on-an-unsecured-loan-3/#comments Wed, 23 Dec 2009 07:50:14 +0000 admin http://www.my-debt-stuff.com/2009/12/23/how-does-the-debt-collection-process-work-on-an-unsecured-loan-3/
Wildfire asked:


I am 105K in debt(mortgage, student loan, car and the unsecured loan) and lost my former job due to lack of work. I got a new job but I am out 15K/yr. Through much juggling, I am paying off everyone except the unsecured loan on which I am paying 30/month(they want 260/mth) and they are unhappy I am paying them so little and threatening to sue me. I am trying to sell the house to pay off the mortgage and the personal loan and this is still at the original lender level. I am hoping I will get to work with a collections agency first since I can offer them the 30 I am now paying the creditor and when I sell the house I can pay the bill in full and have the credit bureau remove the blotch from my credit by showing evidence of payment. Do they go to collections or sue first?If they do sue,will they garnish my wages or freeze my checking account(no savings) or both? How does the debt collection process work on an unsecured loan?
Tried debt consolidation but my house is not worth enough to do it and having other debt attached to it would reduce my chances of selling the house and paying off the mortgage and the personal loan. I am really looking for info on how the debt collection process works,not how to get out of debt. I have that part figured out unless I get sued. Thanks
Thanks Taja but I am asking what the collection process is. I owe 105K out of which only 9K are unsecured debt. I am paying everybody except for the unsecured debt (to preserve my assets) and paying this unsecured creditor 30 a month hoping to sell my house to pay of the mortgage and the unsecured loan which will get rid of 64K off my debt and put approx 4 K in my pocket to move to an area with a better pay labor market. I am trying to find out (by learning how the collection process works) if I am going to have time to get this done before I have to worry about their coming after my wages and/or checking bank account. In other words, if I can work with a collection agency to which I can offer payments and pay the 30 I am now paying until I can sell the house. I already tried debt consolidation and I can’t get a loan for 105 K with a house that is worth 79K as the only collateral. The rest I owe is my car and student loans which must be paid or they will be worse than this creditor.
BBOYBALL: My mortgage is in perfectly good standing since I pay that before I even buy food. It is the only assett I have and I want to move to an area where I can work without having to commute an hour to do so. That is why I am selling the house: to move and to pay off the mortgage and the personal loan I took out to buy a new furnace and remove asbestos. I am willing to sell for 76K.

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]]> http://www.my-debt-stuff.com/2009/12/23/how-does-the-debt-collection-process-work-on-an-unsecured-loan-3/feed/ 4 Is debt consolidation the right way to go? http://www.my-debt-stuff.com/2009/12/13/is-debt-consolidation-the-right-way-to-go/ http://www.my-debt-stuff.com/2009/12/13/is-debt-consolidation-the-right-way-to-go/#comments Sun, 13 Dec 2009 16:41:23 +0000 admin http://www.my-debt-stuff.com/2009/12/13/is-debt-consolidation-the-right-way-to-go/
Honey Bee asked:


I owe $11,000 to credit cards. I am wondering if this amount is worth doing a debt consolidation for? Any suggestions?

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]]> http://www.my-debt-stuff.com/2009/12/13/is-debt-consolidation-the-right-way-to-go/feed/ 0 What exactly happens to your credit if you do debt consolidation? http://www.my-debt-stuff.com/2009/12/09/what-exactly-happens-to-your-credit-if-you-do-debt-consolidation/ http://www.my-debt-stuff.com/2009/12/09/what-exactly-happens-to-your-credit-if-you-do-debt-consolidation/#comments Wed, 09 Dec 2009 13:48:46 +0000 admin http://www.my-debt-stuff.com/2009/12/09/what-exactly-happens-to-your-credit-if-you-do-debt-consolidation/
monkeyundermypillow asked:


I have $7,000 in debt and I have heard about debt consolidation. Does this negatively affect your credit rating? Do you get to choose how much you pay monthly or is there a set amount they make you pay? I live in Canada, if that matters.

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]]> http://www.my-debt-stuff.com/2009/12/09/what-exactly-happens-to-your-credit-if-you-do-debt-consolidation/feed/ 6 Are there any debt consolidation sites that you recommend? I want to find one that I can trust? http://www.my-debt-stuff.com/2009/11/07/are-there-any-debt-consolidation-sites-that-you-recommend-i-want-to-find-one-that-i-can-trust/ http://www.my-debt-stuff.com/2009/11/07/are-there-any-debt-consolidation-sites-that-you-recommend-i-want-to-find-one-that-i-can-trust/#comments Sat, 07 Nov 2009 21:11:53 +0000 admin http://www.my-debt-stuff.com/2009/11/07/are-there-any-debt-consolidation-sites-that-you-recommend-i-want-to-find-one-that-i-can-trust/
Ginger7 asked:


I have around $20,000 worth of credit card debt. I would like to reduce my payments and consolidate into one. I don’t know what the best move for me to make is. Does anyone have any info they can offer? Is debt consolidation a good thing to look into?

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]]> http://www.my-debt-stuff.com/2009/11/07/are-there-any-debt-consolidation-sites-that-you-recommend-i-want-to-find-one-that-i-can-trust/feed/ 7 Is Debt Consolidation the Best Way to Go and If So How Should I Go About It? http://www.my-debt-stuff.com/2009/11/03/is-debt-consolidation-the-best-way-to-go-and-if-so-how-should-i-go-about-it-2/ http://www.my-debt-stuff.com/2009/11/03/is-debt-consolidation-the-best-way-to-go-and-if-so-how-should-i-go-about-it-2/#comments Tue, 03 Nov 2009 18:25:18 +0000 admin http://www.my-debt-stuff.com/2009/11/03/is-debt-consolidation-the-best-way-to-go-and-if-so-how-should-i-go-about-it-2/
awise0204 asked:


Like I am in about $20,000 in debt and I was thinking about consolidating all of it into one monthly payment. If I do decide to do it, I really would like to know how everything will show up on my credit report after everything is said and done.

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]]> http://www.my-debt-stuff.com/2009/11/03/is-debt-consolidation-the-best-way-to-go-and-if-so-how-should-i-go-about-it-2/feed/ 3 What debt reduction /consolidation agency that will give high discount to help pay off credit card debts? http://www.my-debt-stuff.com/2009/10/06/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-3/ http://www.my-debt-stuff.com/2009/10/06/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-3/#comments Tue, 06 Oct 2009 17:38:03 +0000 admin http://www.my-debt-stuff.com/2009/10/06/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-3/
hayati k asked:


I need help with paying off my credit card debts. There are so many debt reduction /consolidation agencies that I don’t know which one is good/authentic and will give the best rate (discount). For those who had gone through this experience, please advise. Thanks.

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]]> http://www.my-debt-stuff.com/2009/10/06/what-debt-reduction-consolidation-agency-that-will-give-high-discount-to-help-pay-off-credit-card-debts-3/feed/ 7 How can I get debt consolidation with hospital bills and non credit card debt? http://www.my-debt-stuff.com/2009/09/28/how-can-i-get-debt-consolidation-with-hospital-bills-and-non-credit-card-debt-3/ http://www.my-debt-stuff.com/2009/09/28/how-can-i-get-debt-consolidation-with-hospital-bills-and-non-credit-card-debt-3/#comments Tue, 29 Sep 2009 03:46:33 +0000 admin http://www.my-debt-stuff.com/2009/09/28/how-can-i-get-debt-consolidation-with-hospital-bills-and-non-credit-card-debt-3/
A B asked:


I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can’t find anyone who does debt consolidation without credit card debt. Any suggestions?

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]]> http://www.my-debt-stuff.com/2009/09/28/how-can-i-get-debt-consolidation-with-hospital-bills-and-non-credit-card-debt-3/feed/ 2 How do I fix credit card debt, I got good info on http://credit-debt-consolidation.blogspot.com/ , need more? http://www.my-debt-stuff.com/2009/07/16/how-do-i-fix-credit-card-debt-i-got-good-info-on-httpcredit-debt-consolidation-blogspot-com-need-more/ http://www.my-debt-stuff.com/2009/07/16/how-do-i-fix-credit-card-debt-i-got-good-info-on-httpcredit-debt-consolidation-blogspot-com-need-more/#comments Thu, 16 Jul 2009 10:53:03 +0000 admin http://www.my-debt-stuff.com/2009/07/16/how-do-i-fix-credit-card-debt-i-got-good-info-on-httpcredit-debt-consolidation-blogspot-com-need-more/
Stephanie B asked:


I have $10,000 in credit card debt, and found some resourceful information on the blog with some good links, and I am wondering if anyone has some more.

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