mortgage-calc-review.com

Question by kelly g: i am searching for a personal loan or a credit card but i have a high debt to income ratio.?
Does anyone know of a loan company or a credit card company that specializes in that kind of loan. My credit score is about 680. I make about 70000 a year but my check only shows about 30000 so i need a company that doesnt check income or understands that i am on i tip compliance with the irs.

Best answer:

Answer by fishlakeguy
As far as a reputable lender is concerned, you make whatever you can verify. A non-reputable lender will generally get you into trouble, financially and legally.

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by eric731

Question by DEBT: Which is a better route? A “debt- consolidation loan” or a “personal” loan to pay off credit card bills?
How does either loan affect credit scores etc…?Which one tends to get the better interest rate? Any reccomendations on what financial institution to go through? How much money do you need to make to take out approx. 10k? Any other info you can provide would help out a lot!

Best answer:

Answer by michelle1984
Personal loan. Debt consolidation ruins your credit

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by MANILA IMPERIAL MOTOR SALES . . . .

Question by azmat k: can someone reduce my credit cards and personal loans debt by financial help it is about 15,000 US$ ?
credit cards payments 5000 US$

Personal Loan Payments 10,000 US$

MY Monthly Net Salary Is 500 US$

My Contact address is azmatullah45@hotmail.com

Best answer:

Answer by Mister El
My wife helps people get out of debt and shows them how to find lost money in their finances. Email her. Her organization is called Forward Financial Group. If you don’t live in Georgia, she can find an associate near you. Her email is:

urstill@consultant.com

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by eric731

Question by Rubberband Man: can a debt collector seize $ / assests from my LLC for a personal credit card debt not connected to the LLC ?
i have some credit card debt probably 3-4 cards to the tune of about $ 5,000. that was prior to my forming my self employed service business into an LLC (ohio), and this debt has no connection to the LLC (single member) and if i am not able to settle or othewise make payments its likely they will go to court and get a judgement. SO…. what then? can they with such a judgement seize personal property? such as a motorcycle ( $ 4,000.) or attach a lein on my house? Can i open an LLC for just me as a person? to be alble to continue living ( paying bills) or will i have to use “undercover” services to pay my bills? My LLC will be paying me…. do i ihave to live and pay with cash forever? I want to pay or settle wilth them but if i can not i have decided to keep my house (by paying on IT) VS lose my credit / credit cards by NOT paying on them

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Question by enance: You have a debt on your credit report. Can your wages be garnished if you make payments via check?
I have a medical bill on my credit report that I would like to make payments on. If I begin to make payments on this debt via personal
check, can they automatically garnish the funds from my checking account?

Best answer:

Answer by DCResident
They would have to get a court order for the full amount unless you wrote them and stated that had permission to freely garnish that money.

Have you gotten any hinto of court proceedings for the money?

So if they do so without a court order it would be illegal.

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by MANILA IMPERIAL MOTOR SALES . . . .

Question by pontingm@sbcglobal.net: I need a personal loan to pay off all my debt. I do not have great credit. Where can I go in minnesota???
Where can someone go to get a personal loan to pay off minimal debt and start over again with just the loan payment??

Best answer:

Answer by Mrs. L
There are several loan consolidators that you can find over the iternet.

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Question by CLVSJ: Is it a smart thing to get a personal laon to pay off your credit card debt?

Best answer:

Answer by wizjp
If it’s a lower fixed interest rate and you DESTROY the card, yes.

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Question by Mr. Incredible: Which is better to consolidate credit card debt a personal loan or move the debt to anther credit card?
I have approx. 15000$ in credit card debt on two different cards. I notice each month on one of those cards im paying about 120$ in interest alone while carrying a 9000$ balance. Would it be better to take a personal loan from a credit union at 14% or move the debt to another credit line at 8.35% which can change by quarter. Im looking at a 48 month pay back plan. Both cards are at approx 14% interest already.

Best answer:

Answer by CatDad
If you take out the credit union loan to where all cards are paid off, you’ll have all that newly available credit on the cards, and it will probably be too tempting to use the cards again…so you’d probably wind up with twice as much debt as when you started. Actually, many credit unions will only give such loans if you cut up your cards and close your accounts.
- Moving debt around really does not solve a lot of problems. However, if you could move this debt to the lower rate and totally commit yourself to stop using credit, then this would probably be the best move.
- A drastic move would be to enter into a debt management program though NFCC. They could lower the rate to around 10% for all cards. You’d have cut up your cards and stop using all credit. This would force you to stop using credit, which may be what you really need. http://www.nfcc.org

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Question by Lost: Where can I get a personal loan if my credit score is in the low 600′s and my debt is very low?
I am trying to find an unconventional method, I been turn down by the bank and it is imperative that I get a loan or quite possible, I will die (I don’t owe anyone, just need to have dental work because I have an infected absess and no dental insurance)

Best answer:

Answer by Ryan M
No one will give you an unsecured loan with a score that low. Personal loans are the hardest loans to obtain for anyone with a score over 750, let alone someone with poor credit.

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Question by Less dreaming, more living: what’s the difference between a personal line of credit and a personal loan to consolidate debt?
which is smarter in the long run
thanks

Best answer:

Answer by Mary
A line of credit is usually an amount that the bank has authorized you to borrow against. A personal loan is a loan that you have already taken out and that you are paying interest on.

The best solution is to pick the loan with the lowest interest rate. It really doesn´t matter what it is called. Lower interest rates and better terms are what you want.

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