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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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Question by Nina W: Where do I find a professional to provide financial assistance to better manage my debt?
What type of professional offers assistance with examining and evaluating an individual’s personal financial debt. I am looking for someone to review my personal balance sheet and provide suggestions on how to make improvements. I have no investments and am way over-extended. I am concerned about using a CFP, because I am not looking for portfolio or investment advise. I am also concerned about meeting with a banker, because I have horrible credit and certainly don’t want to borrow more money. Additionally, I need more help that just reading a book can offer. I know I need to make changes, I would like to get a professional’s advise on making these changes wisely.

I would appreciate any suggestions on getting some strong financial advice.
This is not unsecured debt i.e. credit cards. This is real estate, cars, boats, etc. We make a healthy income. Its not the daily purchases of coffee and eating out that is draining us. We have too many high ticket items and need help determining which to refinance and which to sell. I am looking for the appropriate type of financial advisor to help us.

Best answer:

Answer by Palmyrita
Try this website: http://www.nfcc.org/AboutUs/aboutus_01.html

This first page explains what they do, and it sounds like what you’re looking for. I Googled “Debt Counselors”.

Good for you for getting help! Good luck!

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by Michigan Municipal League (MML)

Question by StockJunkie: What are acceptable personal financial ratio’s as they relate to debt?

Best answer:

Answer by Mariposa
Under 15%. Here’s a link to help you figure out where you’re at.

Give your answer to this question below!

Question by liz0628: Can anyone tell me their personal experience with debt consolidation and if it helped you solve your financial
problems? And if you can give me the name of the company that you used. We are thinking about consolidating our debts but are a little scared about the outcome of the procedure we

Best answer:

Answer by Leonard L
Any debt consolidation plan must have a foundation based on lower interest rates to pay on outstanding loans.

Unless you can obtain lower rates, it may work against you in the long run.

Many credit cards want to charge you over 18%.

If you carry balances at this rate (or higher), you are doomed.

Debt consolidation doesn’t wipe out debt, it merely proportions it out so as to free more month up for you to meet your living obligations better.

I devised my own plan which gets me lower interest rates all the time…by paying back more than the minimum required payment on most loans.

I also invest steadily, and use my savings plan with my employer to the maximum (in other words, pay myself first before I pay others each month).

Be advised that many organizations who advertise that they will clean up your credit will also charge you, so thred carefully.

I can’t recommend anyone since I’ve never consolidated through a professional.

I created my own plan, and it seems to be working.

You should devise your own plan and see if it works before you go with anybody who may take you for hidden fees.

Eventually, people go bankrupt when consolidation doesn’t work out.

What do you think? Answer below!

Question by iambuf: For personal financial management computer programs, are there ones that address debt repayment?
Money management software like Quicken have lots of helpful features but they don’t list anything about repaying debt. I am sure another feature could be used, but it would be nice if there was a program that had that specific feature.

BTW I mean the kind of debt that you don’t get bills for, or ones that you can repay at your own pace…

Best answer:

Answer by vilkri
Send me an e-mail: vilkri@yahoo.com. We are beta testing an application right now that may help you do that. I am not sure though, because I do not quite understand what you are trying to get from a computer program.

Give your answer to this question below!

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Question by Mi Vida: Website for string free personal financial debt?
It’s not a loan or repayment program. The person posts their financial dilemma then the board decides after reading and voting on the need. They make sure it is legitimate too by having you send in paperwork etc. Requests come from all over the country and donors as well. It’s all based on donations.

Best answer:

Answer by dave
Mi Vida,

I’m not sure what website you’re referring to, but there are a number of options for dealing wth debt, including a ‘social networking’ option where you can get loans from strnagers over the internet (really!).

There’s a good article at eHow on steps to take to begin tackling your debt. Take a look at it:

http://www.ehow.com/how_2326032_avoid-escalating-debt.html

How to Stop Escalating Debt

You can also look here for tips on earning some extra cash online:

http://www.ehow.com/how_2254361_money-internet.html

How to make money on the internet, scam-free

Lastly, here’s an interesting alternative to conventional lending…getting a “social networking” loan from Virgin Money (from the same folks who run Virgin Airlines):

http://www.ehow.com/how_2310995_student-loan-through-virgin-money.html

Social Loans from Virgin Money

Hope these help.

Know better? Leave your own answer in the comments!

Online tools help sort out financial aid confusion
Yippee. Your child got into his or her college of choice, several in fact. Now what? Usually, the jubilation turns into frustration as you try to compare the financial aid the various schools are offering.
Read more on Everett Herald

The 10 Best Performing Nasdaq Stocks Of 2011
As a result, the Nasdaq as a whole is largely unattractive to investors, who are taking on greater risk for similar returns. But picking and choosing among industries in the Nasdaq can be lucrative.
Read more on Business Insider

Everything You Need to Know About the Bonds Trial: Day 6
In the world of celebrity justice, the only thing worse than farce is sheer and utter boredom. If you were following the Barry Bonds perjury trial on Wednesday, you experienced a dose of boredom far more powerful than any steroid or hormone Bonds allegedly injected into his bloodstream. What was once an interesting procession of witnesses for the prosecution, including a vengeful former Bonds …
Read more on Big League Stew

Bradford&ingley PLC – Annual Financial Report
Bradford&ingley PLC – Annual Financial Report
Read more on AFX CNF Finance Regulatory News via Yahoo! UK & Ireland Finance

Question by bulabate: USA What is your personal debt VS your income is this really the biggest threat Financial Security?
Your share of the National debt today is ,357.78 of which you had no say in! 30 year fixed mortgage three quarters of the monthly payments goes to the mortgage lender! Interest rates on other loans & financing can put people on the street! It is very difficult to find a decent job that pays enough to keep pace with the consumer retail price index.

Best answer:

Answer by ronnie b
wait a minute, who had no say in this?…little kids who dont pay taxes and cant vote yet?..voters elected people to office to manage this, so first blame the voters, then try some real examination of the economics of it all….some real good has come out of it, probably some bad also and some wasted dollars.

Add your own answer in the comments!

Secured Personal Debt Consolidation Loans: Simply One Path to Financial Bliss!

Secured Personal Debt Consolidation Loans: Simply One Path to Financial Bliss!
Secured Personal Debt Consolidation Loans: Simply One Path to Financial Bliss!

Consolidating debt? For those of us unfamiliar with the topic, consolidating debt or debt consolidation is combining all your outstanding loan instalments, unpaid bills, credit card dues and other such payments into a single amount. The objective of this technique is to make debt more manageable. It works on the simple logic that repaying a single lender is much easier than paying many different lenders for different purposes. Secured Personal Debt Consolidation Loans gather publicity in this domain.

When we get ourselves entangled in the complicated web of debt, coming out of it is just as nasty. Advice from financial experts is always useful, but when you’re already in debt, actual help is much more useful than careful words of advice. In my opinion, debt consolidation is a great deal; however, you have to know enough of it before you take it.

Debt consolidation, as clarified earlier, merges all your existing payments into a single unpaid amount. You now have to work towards paying this amount rather than the umpteen you were tirelessly working at. This process is determined, no doubt, but why take trouble when things are so much simpler? With debt consolidation, you not only avoid multiple lenders but also juggling with multiple ‘pay by’ dates, multiple amounts, multiple cheques and signatures to them all. Now isn’t this more manageable and easier to keep track of.

After merging all your debt, debt consolidation also helps provide a loan to pay off the entire amount in one go. On clearing all your multiple pending payments, you have to do just one thing—repay your debt consolidation loan. Debt consolidation loans are either secured or unsecured.

SECURED PERSONAL DEBT CONSOLIDATION LOANS provide easy loans to individuals like you and me—enveloped in debt. As soon as you talk about secured loans, one thing that strikes most of us is collateral and this brings in doubt and hesitancy towards the very fundamentals of this package. This, I think, is simply a biased opinion gradually shifting against secured loans. How about lower interest rates, longer repayment terms, larger loan amounts and flexible repayment options that come along with it? Point to note: These liberties do not come with unsecured loans.

Pledging collateral against your loan should only be a cause of concern if you are unsure of your ability to repay the loan, in which case you should not consider taking a loan at all. Collateral assures your lender of your commitment to repay. He can bank on your collateral in case you fail to do so. This is the very purpose of collateral and it sounds completely logical for all the scams coming in today.

If you are someone who needs a helping hand to get out of debt Secured Personal Debt Consolidation Loans are your best bet. Secured Personal Debt Consolidation Loans do not stop at providing you with loans for the same; they also work hard with their counsellors to keep you out of debt with counselling sessions. Start looking for your best option today!

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Marsha Claire -
About the Author:

Marsha Claire is offering loan advice for quite some time. To find secured personal debt consolidation loans, debt consolidation loans, cheap rates, personal loans, secured loans visit http://www.chanceforloans.co.uk