Total Debt Relief
Debt Help | Debt Advice | Debt Relief | Debt Management | Debt Solutions | Debt Counseling
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Jun 14
jpizzle asked:
I had perfect credit up to a year ago, when personal issues required me to file bankruptcy. That was in January of 2007. The bankruptcy has now been discharged. Anyways, I am looking at a Yamaha YZF-R6S. I have more then enough to pay for insurance and the monthly payments, but there is no way that I will be able to get financed by the dealer. Can anybody tell me any places that I can go that may work with my credit score of 579? Also, if anybody else has any other bikes 600cc and up that they would recommend, I would appreciate it. Thanks!
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Mar 10
Bryce asked:
I don’t have a lot of debt, but I am almost two years behind on a single credit card, have two other credit cards, medical bills, school loans, and currently my wife is pregnant and her medical bills are beginning to pile up. It is somewhere in the range of $7,000-$10,000, we want to get a loan for our first house, but I don’t have good credit and she has mediocre credit.I was wondering if anyone knew of some good debt consolidation websites or counselors to help us out or anybody who knows really anything about debt consolidation at all.
Thank you.
If I declare bankruptcy now I can’t get any loans or credit for seven years and I live in an apartment and that will definitely hurt my chances of singing a new lease.I also have car loans.
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Alternatives To Bankruptcy
Filed under BankruptcyNov 19Are There Alternatives To Bankruptcy?
When you’re in a financial bind, bankruptcy is not the only way out.
There are many alternatives to bankruptcy if you are willing to put out the time and energy.
Bankruptcy is not something to take lightly and you should take the challenge seriously when researching alternatives that may help you begin to recover financially and prevent that type of legal action.
One of the first things you should do is to begin by calling your creditors. Credits will often have a system in place to help people that find themselves in difficult financial situations.
You should let them know you are considering bankruptcy as an option.
Many times, your creditors will work together with you on a new payment plan that you can afford.
You do not need to cover up information that they may need to know in order to determine which payment plan would best work.
Always be upfront and honest about your financial situation and commitments.
If you are still considering bankruptcy, you should still take another in-depth look at your financial situation before filing.
If you do not have a current working budget, then you should begin making one immediately.
Start with your monthly income and deduct your monthly household expenses.
By first understanding how you spend money each month, you will be in a better position to determine where you can begin to make changes.
Many people save money by buying groceries in bulk, making changes to phone service providers or in household expenses.
Each and every little thing helps, when it comes to finances.
Credit Cards are another culprit to consider for the necessary changes needed. By working with your credit card lenders, you may be able to get your interest rate lowered.
Then you will need to get rid of those high interest credit cards all together.
Avoid the temptation to pay off a credit card with another credit card, as this will only add to the interest rate fees you have to pay. Another option to consider would be refinancing your home or you automobile.
Or, even though it can be uncomfortable to ask; you may have a family member willing to help out, especially if they know you are considering bankruptcy.
If your family member is kind enough to help in this way, make sure your priority is to pay off debt and pay back the loan, even if you have to do it in small payments and over a period of time.