What's the real deal with home equity loans?

Lately I haven't been working as many hours because of cutbacks so I've fallen behind in a few payments. So I've tried to obtain a small loan from a few banks with no luck. I've been paying my morgage on time for more than 15 years and never considered home equity. Why are these banks telling me I can't be approved for a small amount but they'll let me borrow 10 times as much with a home equity loan?

Well, lets' see. A small loan, there's probably nothing behind it other than your good word. A home equity loan, your house is behind that. Fall behind on those payments enough and the bank can foreclose on your house. That a good reason for them to prefer you getting a home equity loan?

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If you own a home, but your credit has become really bad,is it easy to refinance the home???

How long does it usually take to get a home refinanced and money to your bank???How does that process work???

No, it is not easy. Bad credit always hurts.

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What happens to house in foreclosure when someone dies.?

My mother died and did not make specific bequest for condo as it is going into foreclosure. It was refinanced 2 years ago with a negative amortization loan. The loan is due to recast and none of her children can take over the loan. She was "upside down" and in this housing market (in Las Vegas) there is no chance of selling. If the foreclosure proceeds, how will this affect the surviving children? Can they be held responsible?

There is a "Notice to Creditors" period for probate.

The debt falls onto the estate, not you other siblings. If your mother's estate has a probate attorney, he can advise you on this.

Hopefully, there won't be a deficiency judgement which eats up any remaining estate assets. If so, her estate will be insolvent or not have assets sufficient to cover all the estate debt.
http://bdstlaw.com/Probate.html

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What is the best Private Student Loan Consolidation Program (substantial debt!!)?

Is there anyone who knows of any good PRIVATE Student Loan consolidation program? Most lower your payments but do not lower your interest rate. I am looking for a lower interest rate.

Since these loans are not backed by the government, most private consolidation loans will be credit based, meaning the interest rate will be set based on your credit history, just like the private loans you have now. If you want a lower rate, spend some time getting your credit score as high as possible and/or find a cosigner with good credit. Both can help lower your rate.

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are there any mortgage lenders out there that have "stated disability" programs?

i am mortgage loan officer and have a client who needs to take out a loan/refinance for debt consolidation and home improvements. he only owes a little over $20,000.00 on his home and it appraised at $220,000.00. he wants to borrow $100,000.00, so there would still be $120,000.00 of equity left. his credit is poor, thus the need for debt consolidation. and he is disabled with a minimal monthly disabilty check. ofcourse, his wife is on title aswell, but her credit is worse, but she does have a monthly income of a very modest amount. the fact that he recieves disability does show up on his credit report, however, the dollar amount does not. what can be done for this family? are there any mortgage lenders out there that have "stated disability" a program? please respond if you are a lender that can help,or have information on the subject that could help. thank you so much.

Jmac Lending
Eric Nguyen
949-310-1288

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How can I get a personal loan if I have bad credit?

Hi. I am currently trying to obtain a personal loan of AU $10,000. My income is $60,000/pa through a steady job and I can easily make the repayments. However, over 2.5 years ago when I moved house - I left a $200 mobile bill unpaid. In between now and this time I have settled the bill with my old mobile provider. The problem is, even though I've settled the bill … I still have a black mark against my name on my credit rating which says that while the amount has been paid.. it was well overdue. Because of this, I can't seem to get my personal loan with any of the major banks. Is there any other way I can obtain the loan through any other lender .. the only type of 'bad credit' loan I can find is for people already severley in debt (which I'm not) .. and only seem to offer 'consolidation loans'. Is there anywhere that is likely to lend me the money? Thanks.

Bad credit is one of the worst problems to have… however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

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Question about student loan consolidation…?

What loan consolidation companies have you had really good or really bad experiences with?

Do you have any suggestions for consolidating student loans?

I consolidated my loans online with Sallie Mae. I went with them because they are reputable. Make sure you know who you're doing business with if you do consolidate. Good luck!

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We need to get a debt consolidation loan but have a bad credit rating does anyone know who could help us?

You should delete this question because most of these people are con artist. The signs are so obvious.

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I need a good debt consolidation company. Any ideas?

I have several personal loans out. My monthly payments add up to about 800 a month, i only make a 1000. I'm not behind on payments but i cant keep up much longer. I cant seem to get any local banks to even listen to me. They also ping my credit report every single time i tried to get a loan so now i have even more negativity on my report. I can afford 300 a month or less to pay on a consolidation loan. Anyone know a loan company or debt consolidation company that will actually listen to me and not just look at my credit score?
I make 200 a week, thats good pay for my area. I dont have a single credit card. Never have.

You are not alone. I know people who have been through this same thing and there is no easy way out. You have three basic options: One; Find a true consolidation lender, negotiate a loan within your limited budget, stick to the program for however it takes. ( it will take years)

Two; Find a credit counselor who can negotiate on your behalf with banks and credit card companies. This has some merit because they are experienced and have a track record with most of the major lenders.

Three, negotiate on your own behalf. This is the most difficult but the cheapest and most educational. You will learn what scum bags they are and you will learn how to play hard ball.

There is always the last option, bankruptcy. This option is not as easy as it used to be, because the Bush administration, in its never-ending quest to screw the poor, has made bankruptcy a lot harder. In a sense that's good because too many irresponsible people took unfair advantage of the bankruptcy laws that protect basic constitutional freedoms. However, it is still an option, albeit a difficult and credit damning one. If you are aware of that and mention it to lenders they will try to foreclose on you quickly. So, you need a lawyer to protect you. That will cost money. Money is of course the one thing that is in short supply for you right now.

I have seen people come through this exact same problem. It was never easy or fast. But you can make it through. although I know no other details other than what you have provided, I can suggest this; get a free consultation from a qualified legal specialist. If you can’t get one for free, get one cheap. ( $100 or less) Have him advise you. Follow his advise.

In the meantime, eat at home, stay well and stay out of trouble. You do not want any extra problems on top of the ones you have now.

No one wants to hear this but you must save every nickel. If that means reading more instead of watching cable, great. If that means eating high quality healthful food at home instead of convenient fast food or eating out, good. Stop smoking, quit drinking, do not party at all. Spend every waking moment trying to earn more money or spending none. It sounds like slavery, and that's exactly what it is, but it is the only way out to preserve your dignity and your credit rating. remember, without credit, you will not be able to take advantage of any opportunity that ever comes along. With credit, used wisely, anything is possible.

Good luck!

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Are there any websites where you can see if a consolidation of loans to a specific new loan is a good idea?

I mean if someone offers you a loan for a certain rate if you consolidate some other loans. I would like to see what the affect it would have on cash flow compared to total spending for the whole loan.

First check out bankrate.com to compare loans and to learn terminology, then go to smartmoney.com for answers to all refinancing questions.

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Is it smart to use a home equity loan to pay off car loans, and a line of credit?

My husband and I need to lower our monthly payments. We have no debt except a line of credit for $60,000 with the payment of $410 and two car loans both adding up to about $25,000 and the combined payment of $1050/mo. So, we are spending about $1400/month for these 3 things. If we got a loan for $110,000 and payed all these off, our payment at 6.6% would be around $700/month. Of course I would always pay more than that per month which would go to principle. Why isn't this a good thing to do? I realize that getting a new car would add to our payments once again. So, that would not be smart. Other than that, is this a smart thing to do? It seems like it is, but then why don't more people do this?

In theory it sounds good. But here's what happens. You borrow the 100 grand and now you have financed your two old cars for 15,20 or 30 years. If that isn't bad enough statistics show that you will have more car loans, credit cards, etc. PLUS the 100 grand loan in 5 years. You cannot "borrow" yourself to prosperity. Pay off your obligations without refinancing and you will be proud of your actions.

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I have questions about Home Refinance with really bad credit.?

My family,I want to refinance our home and we have really bad credit. Is there anything we can do?

Loan companies are very choosy right now, and a lot of people who want to refinance cannot get a refi loan. You're going to have to talk to your bank and see what they can do for you.

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Dose anyone know of a loan company that dose a loan in Ohio for pre foreclosure refinance?

Just divorced and need to refiance do to Ex but close to foreclosure.

Sorry to hear about your situation! That just stinks.
Try your local Neighborhood Housing Services. Most of them are able to loan you money - up to 3K - to get you current on your mortgage. They will then add that amount to the end of yor loan.
If you don't have a local NHS, try this number: 1-888-995-HOPE. It's reputable and is a non-profit. (here's a link if you want to read more about it first: http://www.nw.org/network/newsRoom/pressReleases/2007/netNews051407.asp).
You might also want to check with your city government. With Ohio having such high foreclosure rates, many cities (big and small alike) have created task forces that specifically deal with foreclosure prevention. They might be able to assist you financially as well.
I hope that helps! Good luck!!

:EDIT: On a side note, please be careful! Try to go to a non-profit organization or a reputable for-profit lender. Many times, the predators come out of the woodwork when you are in a sticky situation and they will try to take advantage of you, making your issue worse than when you started. Keep a good head about you and ask a LOT of questions. Trust your gut. If it sounds too good to be true, it probably is!

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who has the best consolidation rates on studnet loans?

Well, fundamentally, interest rates are set by the Federal government and are based on the 91-Day Treasury Bill. The current rate on all Stafford Loans for all students currently in school (or for students in their grace or deferment periods) is 4.7%. As such, the rates (including the various borrower benefit "offers" you'll receive) are all going to be pretty close in the end.

You've probably already received flyers in the mail making claims like "rates as low as 2.7%". This is because there are *tons* of consolidation lenders competing for YOU, so they pretty much have to offer you a rate better than the federal 4.7% base rate if they want to have a chance at getting your business. They do this by offering additional benefits (rate reductions, principal balance reductions, etc.) to students who consolidate with them.

It's good that you want to get the "best" rate — but, for your own sake, be cautious. The best rate doesn't necessarily mean the best *loan* or the best *lender.* There are a lot of disreputable lenders out there. In fact, the lender offering you a rock-bottom interest rate is probably the least reputable of all. The really great, reliable lenders don't have to sell their souls to get your business. The best way to find out if a lender is reputable is to ask your Financial Aid Office — they know which companies are good and which aren't (and they often have solid working relationships with the lenders' representatives).

For your reference, Sallie Mae is the #1 Consolidation lender (i.e they do the most business). Citibank is a distant #2. These companies are on top because they rarely (if ever) sell your loans, they offer good customer service, they are technologically advanced, and they've been in "the business" for ages. For a list of other consolidation leaders, try this link: http://www.finaid.org/loans/biglenders.phtml ("consolidation" is kind of toward the bottom of the page). Most of these are reputable. Any of the top 6 would be good.

There are a few other things you might want to consider:

First, you need to make absolutely sure that you're getting a "Federal Consolidation Loan." Some companies have their own, sketchy version of consolidation that has nothing to do with the federal gov't. Basically, they take your nice, safe Stafford Loans and turn them into private loans with questionable terms. If you don't get a Federal Consolidation Loan, then you won't be entitled to any of the protection or benefits of the Federal Student Loan program. To protect yourself, make sure the application you complete says "Federal Consolidation Loan" at the top like this one: http://www.salliemae.com/apply/borrowing/pdf/SMARTLOAN_consol_app.pdf

Second, I know that "borrower benefits" are attractive — and I fully support getting the best ones for my students. But make sure that you're weighing the monetary benefits with the qualitative benefits. When you consolidate, you're committing to a very long relationship with a single company. That company that offered you 2.7%… Ask yourself: have you ever heard of them? Do you know anyone who has used them successfully? Are you sure that you want the 3% rate loan with the no-name company? Or would you rather have the 3.5% rate loan with a lender you know and trust. It's up to you to decide, but before you do, make sure you know how much your overall payments would really change with that half-percent reduction. Try a "loan repayment calculator" like this one: http://www.finaid.org/calculators/loanpayments.phtml

Third, by all means, look into the companies with the really great-sounding benefits. Make sure you've read the "fine print": ask them how you earn the benefit, when it takes effect, and how you can potentially lose it. A lot of [good] lenders offer "principal reductions," but it's important to note that these reductions often don't take place right away and if you don't make ALL your payments on time, you may become ineligible. NOTE: this is a very good reason to set up auto-debit (so you never miss a payment).

Fourth, there should NEVER be any fees to consolidate. If you're working with a company that has fees, RUN — it's a telltale sign that they are one of the "bad" companies. Similarly, Federal Consolidation Loans are always fixed-rate loans, so if you see someone offering you a variable rate loan, run from them too.

Finally, yes, these consolidation offers are very similar to credit card offers… except this is a much bigger decision. Unlike with credit cards, you can't just "drop" your consolidation lender. It's becoming near-impossible to reconsolidate, so make sure that you pick someone you trust. (Consider going with the lender you have now, since your school probably helped you pick them, right?)

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Is Debit consoildation worth it for me?

My family was just turn down for a home loan due to our credit score we have a total family debit of $3700 (already months overdue). Due to the poor spending habits we have vs our low income and rent it seems as though we owe millions.

What my question is debit consolidation worth it? What can I expect to hear?

You might try Consumer Credit Counseling Services. Check here for one near your: http://www.nfcc.org/. They can look at your finances and advise how to proceed. They also have debt management programs available, if you qualify.

It usually isn't a good idea to shift debt to another loan. People tend to run up the credit cards and then you are stuck with that big loan payment and all those credit cards too.

You would be much better off working on paying off the debts you have. Start with setting up a strict budget. Get rid of all the extras — cell phone, eating out, new clothes, etc. Put every penny you can squeeze out of that budget on the highest interest rate debt, while making minimums on the rest. When the highest rate debt is paid, move to the next till they are all paid in full.

If you don't learn to live within your means or increase your means, you will always struggle to make ends meet.

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Debt consolidation loan for military with bad credit?

Joined the Navy this year and I am an E-4 in the Nuke program. I need to get a consolidation loan or some type of something to clear my credit up. It’s in the 400s. I know, that’s extremely bad. I didn’t incur the debt though. My mother took out about 6-8 credit cards and one loan in my name. It’s in my name so I need to take care of it. (No I’m not going to prosecute my mother and no she doesn’t have the financial obligations to help me pay them off.) I need to know what my options are in clearing this up. Navy Fed won’t even give me a loan (my bank). I would like to have a lump sum and pay everyone off. Most of them said they would back track on my credit so the missed payments and what not do not show on my credit report. That would be great, but I don’t know anywhere to go to get $12000-13000. You would think being in the military things would be much easier in accomplishing, but no. If there is anyone out there who has some useful information, please help. Thanks

Stay away from any firm that says it can repair or back track your credit report. These are scams.

You may not be able to get a debt consolidation loan with a credit score in the 400s. However, you can qualify for relief under the Soldiers and Sailors Civil Relief Act. It covers debt accumulated prior to your enlistment and it will lower your interest rate to 6% and spread out your obligations. It also stops most civil action (such as collection action) against your accounts while you are on active duty.

And, I agree it would be best to talk this over with a JAG. They can help you.

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student loan consolidation?

I'm currently comparing loan consolidation companies. Can anyone recommend a good one? Please include the amount you owe, monthly payment and interest rates. Thanks in advance.

i used this site to lower my student loans a LOT! highly recommended..

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where can I go to get a consolidation loan I have very bad credit?

Debt consolidation is an option, and you should look into it. Just be careful about WHAT you're getting into. Some plans, because of their higher APR rates get you into more trouble than you were.

Also, some lenders look poorly upon it later on. Some institutions believe that it really is a black mark. It will depend upon the types of deals that your particular company or lender work out, and of course, your own individual circumstance. For some with absolutely NO way out, debt consolidation is a welcome option.

Take a good hard look at all the options and plans offered, and don't let a single company pressure you into something you just can't do. Make sure that you're comfortable with the plan offered before you commit to it.

In any case, it doesn't hurt to investigate debt consolidation as an option. It doesn't cost you anything to find out more information about it.

If you want a place to start your investigating, there's information and listings for debt consolidation providers on the page listed below. You'll probably find something of use there:

http://axalda.info/debt-consolidation.html

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What is a good loan consolidation program/company?

Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan<!–allows you to condense your monthly payments into a single, simple bill, while lowering your interest rates and helping you pay down your debts more quickly and easily. It is also an essential tool in avoiding the much more serious step of declaring bankruptcy.

http://badcredits.awardspace.com/Loan-Consolidation.htm

Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several–>old loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail.

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Is there a fixed rate loan for the consolidation of private student loans?

Typically no, since private student loans are not guaranteed by the government and therefore have a much higher risk to the lender. Most will continue to have a variable rate that is based on your credit history. If you are thinking about consolidating, get your credit in as good shape as you can and/or find a cosigner with a good credit history.
http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/private.htm

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Investment Finance Tips : Home Equity Loan Tips

Home equity loans are loans that a person can get from a lender or bank against the value of their house. Understand how home equity loans are used to borrow against home value through tips and advice from an an experienced financial adviser in this free video.

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Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 1)

http://hot-student.blogspot.com/ Sie weitere interessante Videos auf…. This video is about Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 1)

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Debt Consolidation Loan Companies

http://www.debtconsolidationloancompanies.info - Save Money. You CAN consolidate. Choose from one of our many debt consolidation loan companies now. Immediate answer, Guaranteed rates, Reduced paperwork. // created at http://animoto.com

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Looking for Debt Relief

http://www.debtconsolidationupdates.com/2352/credit-card-debt-negotiation-is-always-advantageous/ With the economy in trouble and more layoffs being announced every day, many people are looking for ways to stay out of trouble with credit card debt.

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Federal Student Loan Consolidation - Edfed.com

www.edfed.com offers federal student loan consolidation. Lowest federal student loan consolidation Rates - Call Now: 800-821-5659. Lower Payments with federal student loan consolidation.

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Home equity loans what happens when my mom dies?

My mother who is 85 got a equity loan on her home rather than a reverse mortage loan. I was told today that when she passes the total loan becomes due and payable? Basicly that we can't just keep making the payments. Is that true? She did this loan so the house could stay in the family rather than it being lost at the time of her death? Wat that the right choice any input would be appreciated.

When you mother passes and the house becomes yours, you can get a new equity line to pay off the old one or get a new mortgage that will pay off the equity line and any old mortgage. The equity line may or not have been a good idea, but it's not the worst thing ever. Call your mortgage broker and have a conversation about it to get more info.

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Looking to find lowest refinance home mortgage rates?

I’m looking for a better home loan mortgage rate than I currently have with my bank. So I am seriously considering refinancing. Does anyone know where I can currently check for the lowest refinance home mortgage rates?

You can actually get a better mortgage rate – without refinancing. There is a website which allows you to check for free if there is a better rate available with your current lender.

You can avoid the costs and all the paperwork and hassle associated with refinancing. Your bank won’t tell you that there is a better rate available with them, but there usually is.

Check for a lower rate here free:

http://www.checkmyrate.com.au

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Does it affect your credit rating to get a debt consolidation loan?

Yes because you are taking on new debt. Although if you make your payments on time for a few years your credit rating could be higher than when you started granted all other payments you owe you make on time.

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Bankruptcy in NJ Please Help?

When my husband I first met he had excellent credit then we had a few hardships and a couple of kids and now his credit is down the drain. Judgments and Levy's are being entered against him left and right and we just can't afford them. We were in a consolidation program but it didn't seem like they were helping any so we canceled them. Now my husband is considering bankruptcy and i don't think that is the right choice because to me chapter 13 bankruptcy is the same as consolidating except it stays on your credit for years and still makes your credit look bad. In addition, we do not own anything but we may not qualify for chapter 7. We want to purchase a home in the next 2 years. Does anyone have any advice or consolidation programs that will work with our situation. Also i know this is highly unlikely but if their is someone who knows of a loan company that offers loans to people with poor credit and no collateral that would be a huge + LOL.

I hate to say this, but if you can not make your debt payments and you have tried a debt consolidation program and found out that most are useless your only option is bankruptcy. With the troubles that you are having, there is no way that you could buy a house in two years to begin with and even if you stayed on the debt consolidation program, you would not have been able to buy a house since your credit is locked once you enter into one of these programs. You will have to bite the bullet and see if you can not start clean again and don't make the same mistakes that put you into this position in the first place.

I tried a debt consolidation program prior to filling for bankruptcy myself.

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I am going through a divorce and now have bad credit how can I get a consolidation loan?

I would like to know what types of places will help with a consolidation loan of debt?

wait until after the divorce and talk to your attorney first

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Student Loan Consolidation–can you switch companies after consolidating?

I consolidated with Sallie Mae last year. They suck. Late charges for no reason, web site not updated, have to apply for deferment over and over again … can I leave them and switch to another company?? Thanks for any help.

As long as the terms of your loan did not specify that you would maintain your loan with that company for a specific period of time (or if that period of time has expired), you are free to consolidate your loans with another company.

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How can I get a debt consolidation loan in Rep. Of Ireland with bad credit history?

Want to wipe the slate clean but having trouble getting loan. Not a homeowner.
Can I please stress that only Rep. of Ireland related sites are of use? Unfortunately the US and UK options will only lend to US/UK residents. Thanks!

Don't even start on that course of action as you will be in debt for ever and a day.
Go to your local Citizens Advice Bureau and they will help you with sound advice to clear your debts.
A consolidation loan does not wipe the slate clean it makes the slate more full and costly.
Best of luck and do take expert advice before you take out any loan.

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Are there any debt consolidation loan company's?

Yes, plenty. Try watching TV at 3 AM and you're bound to find an ad for one.

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Student Loan Consolidation? Best ones?? Help.?

Who has the best student loan consolidation? Best rates? and will give me the cheapest monthly payment. $28,000. Please help.

Shop around to find the lenders with the best incentives. The rates will all be about the same usually.

Try some of these sites:
http://financialaid.com - student loans and consolidations
http://finfo.com - get up to four competing offers, no obligation
http://salliemae.com - large student lender/consolidator

You can also try http://bankrate.com . They might have a rate comparison for student loan consolidations.

Good luck!

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Consolidation Loan Rates Today

http://www.consolidationloanratestoday.com Are you looking to consolidate your loans into one easy payment and save money? If you are, then stop by for free information today.

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is there a place that offers home equity loans to people that have bad credit?

my boyfriend and i own our home with no mortgage. we have around $76,000 of equity in our home but have bad credit. is there somewhere we can go for a loan that works with the better business bureau. i want to make sure its legit.

$76,000 equity is a dream for a mortgage lender. They are loaning primarily on the equity on your house; not as much on your personally. The going rate on a 2nd mortgage ( another word for homeequity loan) is 8.25%. That is a fixed rate for 15 years. WIth bad credit you will pay 9.875%. Sorry but that is the penalty you pay for your previous mistakes. You can have the money 4 days after you apply.

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How much money do you have to pay for closing cost when you refinance home loan? ?

I would like to refinance my house to get lower rate. My loan is 200,000. I m a first time homeowner, my current rate is 6.5 %. I ve own my home for about a couple of months, my credit is good, not excellent. I would like to know a ball park on paying closing cost. Also is the closing cost money i need to come up with?

2%

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Is there a loan company out there anywhere that refinances under 500 credit score to stop foreclosure?

I am in need of refinancing our home. We are currently almost 2 months behind on our mortgages. We stopped the foreclosure in October but are headed that way again if we don't find a way to refinance. When we stopped the foreclosure in October we thought it was paying for Novembers payment too but it wasn't so we were behind a month again right off the bat. We have a first and second mortgage we want to consolidate them. We also have an adjustable rate mortgage that is killing our finances. We filed bankruptcy almost 7 years ago. This is my dream home and don't plan on leaving it until I go in a box in the ground. If anyone knows anything that would help I would be very greatful.

Yes, there are people who do that, but your rate will be 14% or way more.

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how do i get a consolidation loan with ribbish credit rating??

Really want to consolidate all my debts which is about 40 grand, hav applied 2 loads a companys who cant help, my credit rating is crap because im maxxed out and hav struugled 2 keep up with payments. Hav learnt my lesson big time n really want a fresh start, cannot go bankrupt because of my business just need to know if there is a company who will give someone like me a chance ???

First - go cut up your credit cards! Don't cancel them, that will actually lower your credit rating more. Part of your credit rating is based on the % of credit line you are using.

This is a bad situation, no doubt. But - do NOT take a home equity loan to pay these credit card debts! Right now your credit card debt is unsecured - meaning they can't foreclose on your house or repo your car to pay it. But if you use a home equity loan to pay it, guess what? It is now secured by your house and if you don't pay - foreclosure.

Some companies just charge you to do things you could do on your own. Try calling your credit card companies and discussing the situation with them. Tell them that you want to pay, but maybe bc of the interest it is too difficult. They will work with you - perhaps they can lower the interest rate or set up some kind of plan. If possible, it may be a good idea to do some balance transfers (watch for hidden fees - just come straight out and ask what the bottom line cost will be to you - and how long the low rate is good). Pay off your highest interest items first.

Yes, this part will suck, but CUT BACK! Make a realistic budget and stick to it. Do you have a fancy new expensive car? Sell it and buy an older used car. This will save you a ton of money. Keep in mind a car is actually about the worst investment you can make - you lose money as soon as you leave the lot. If you have an older car or one that is almost paid off hang onto it as long as possible. Take care of it and it will last.

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can i qualify for a $9000 loan?

i have had poor credit in recent years, but it is steadily improving, although not yet perfect. i just got a new job paying significantly more than my previous job. some of my bills are still late but i am doing better. i need some cash to catch up on my bills until i start seeing a steady flow of paychecks coming in. my salary definitely covers my expenses, but the last couple of months have been a little crazy (owe taxes, medical bills, trying to move, etc.)

do you think i can qualify for a $9000 loan for bill consolidation? if so, what might i expect my interest rate and monthly payments to be?

thanks for the help!

If you are still late in paying bill, you are still considered a bad credit risk, by most, if not all creditors.Who knows, you may luck out and find one who feels sorry for you, and take a chance with you.

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Where you you get a debt consolidation loan when you have bad credit?

There you go : http://simpleloansconsolidations.com

Good luck !

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Student loan companies?

Who can I contact when my student loan consolidation company keeps lying to me?

Go here: http://www.ftc.gov/

The Federal Trade Commission (FTC) work directly with consumers on credit & fraud issues. The Commission even provide no-cost, reliable public education on lending practices.

Xpress
——————
http://www.ebuyerxpress.com/student-loan/government_loan.php

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How do I get a debt consolidation loan if I have bad credit and no one to co-sign for me?!?!?! HELP!?

you can't.

Just knuckle down with a written budget and a second job untill you get it paid.

Check out http://www.daveramsey.com and listen to his radio show. He has lots of great advice on money and debt. It doesn't cost a dime to listen.

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any bill consolidation loan company?

actual lenders for bad credit, with a fixed address, working phone, track record. Not a credit counselor, or someone that will negoiate the bills, someone who actually makes bill consolidation loans, and will not ask for an upfront fee violating the telemarketers sales rule?

I can't believe that the first answer was trying to tell you that they are a debt company that can help you… just write him at a YAHOO address. A reputable company would not use a Yahoo address, what a scam!

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Good student loan consolidation lenders?

I am looking to consolidate my student loans with a federal consolidation loan. I know the interest rates are based on federal regulation, but I'm wondering about the other offers/benefits. If you have consolidated loans with a company, can you share personal experience about your lender–customer service, helpful website, quick loan processing, etc etc? Why did you chose your lender? Thanks!

I would talk to your current lender about what is offered. Some lenders have better deals if you do not consolidate. But if you do the most hassle free way is usually through your current lender. When you go through a third party it usually takes much longer to complete as the paperwork has to be sent back and forth between your current lender and your consolidating lender. Some of the more common benefits are a .25% rate reduction for setting up automatic withdrawal and a 1% interest rate reduction for making 36 (sometimes more, sometimes less) on time payments. A few will offer better than that, but not most. I would steer clear of the offers for a cash rebate after you make your first payment. If they offer this in conjunction with the other benefits than it may be worth it. But if that is all then it will save you more in the long run to go with the interest rate reduction. A lot of people will choose that because it seems like such a good deal, who wouldn't want cash up front?

But anyways, with 3rd party lenders I have seen some of them just now being finished when the person filled out the consolidation application in June of 2006. It doesn't always take that long, but it definitely can. Good luck!

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Public Records Reading- Mortgages, Do home equity loans show or just reverse and second mortgages?

I read public records when doing RE research so I'm wondering. I guess that only second and reverse mortgages show. And why would someone choose a second mortgage vs home equity loan?
Are we saying that a home equity loan automatically shows as a lien?

all mortgages and liens against a property are available if you go to the court house and research the property. and usually people take second mortgages when they already have a first mortgage and a home equity loan is really a second mortgage .

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When does it make sense to refinance home given our situation?

I was just wondering if it made sense to refinance our 30 year fixed 6.25 home loan. We have owned our home for 3 years and 5 months. What does the interest rate have to fall to in order for it to financially benefit us to refinance?? Any help appreciated.

I would compare your current monthly payment to a loan under current rates. The other thing to consider is potential closing costs on new loan. The other thing to consider is whether you intend to stay in your home for a while - like five years or more - especially if you have to pay closing costs.

Below is a link to a refinance mortgage calculator.

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Can a property purchased as a short sale or foreclosure be refinanced?

If so, then how quickly can it be refinanced? Assuming that the appraised value is higher than the purchase price, can cash be taken out at refinance?

Yes.

Lenders will want you to make (most likely) 6 MORTGAGE PAYMENTS (seasoned ownership) before you can take cash out. (FNMA/FHLMC/FHA guidelines)

Why 6 months? Thereis a BIG risk of default on the new loan after taking out the equity.

Good news is, you can get up to 90% (97% FHA) if your credit is good, income/debts are good, etc.

Get qualified with a mortgage professional as soon as you can.

Best of luck!

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What is the average bill consolidation rate.?

Right now I live in a run down trailer and have 1 loan of 9,000 through citi finical and a 2000 credit card. I want to buy a house for 30,000 then use the houses equaty to get a bill consolidation loan for it all. Is that reasonable and what are the normal intrest rates for most of the consolidation companys?

Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan<!–allows you to condense your monthly payments into a single, simple bill, while lowering your interest rates and helping you pay down your debts more quickly and easily. It is also an essential tool in avoiding the much more serious step of declaring bankruptcy.

http://best-loans.awardspace.com/Loan-Consolidation.htm

Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several–>old loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail.

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Balance Transfer Credit Cards for Fair/Poor Credit….

I have about 3,000 in debt from credit cards and medical bills and and each card has a high APR and interest rates. I’ve been ha ving trouble making on time payments. I was thinking about transferring all the debt into one card so I can make one large monthly payment without so much interest. Is this a good idea. What is a good card or company to go with or should I talk to those debt consolidation people. I had my time of plastic crazy and want to get my credit rating back to were it was.

I also have student loans to apply for soon and was going to start paying the interest on those right away to save money in the long run.

What should I do? Thanks so much!
I work full time for a huge global company and live on my own and am 19 am starting school soon.

So of course money is going to be tight.

If I were you I would talk to my Credit Union. In most cases you can find a Credit Union in your area that you can belong to (see link in Sources).

I would NOT go to one of those consolidation people (unless they were affiliated with the government). Most are out for themselves and trying to make money off you. If you do not have a Credit Union (CU) you can become a member of, then a bank would be OK. You have to be more careful with a bank because they are also a profit based business. CU’s are not for profit organizations.

Consolidating your credit cards into a single loan could help. Watch the interest rate and make sure you are not paying more. You might have to get a co-signer (if you can find one). Also, watch out for low teaser rates that will rise soon after you get your loan (or credit card). By missing some payments, you have probably hurt yourself so your credit score will not be good. Your current credit card interest rates may have jumped up too. (They do that if you start missing payments.)

If your current job does not provide enough income to meet your expenses, you are going to have to bite the bullet for a while - lower your expenses and do extra work to get back on financial track. I think a Credit Union could help you with that. Do an internet search on “Credit Unions” to get more information.

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can you get a debt consolidation loan with bad credit? my credit score is like 400.?

what are the requirements because im 24 i dont have a house or anything like that.

It depends everyone is diffrent, to do that though you would need to have some assets or CD's.
What I would suggest is to start by trying to boost your score.
Your Fico score is based by percentages.
35% Payments OnTime
(Thats why even if you pay the MINNIUM , do it ontime)
30% debt balance vs. available credit
(Important to lower ammount of debt, but thats tricky. Some accounts that are old and havent reported back to the credit agencies since 2003 , LEAVE THEM ALONE! Look for ones that have reported this year , pay those first) Also when a collection agency buys old debts … its usually 10Cents on the dollar.. so if you owed $967.00 they bought it for 96.70 … so you can talk down the ammount , if you can pay it in full.
15% Credit History.
Old credit lines can help you in that way , even if they report negative… it is establishing how long you have been offered and have had credit
10% New accounts and recent inquiried
* shop around with some companies and see which Credit agency that they use.. open accounts with the scores that you need to increase.
10% The mix of charge cards, loans, and department store cards.

You have 3 FICO scores , not just one.

The best thing you can do for this year is try to reduce current debts, pay your bills on time, and if you do have any credit cards… donot go over half of the limit.
I wouldnt suggest get a loan now… even if you got approved you would pay so much in intrest charges .. it would probalby cripple you finacinally… and you dont have a good standing with paying back a loan… so you might not even get one.

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I need to advertise for a student loan debt consolidation company that targets students around UF, ideas?

By UF I mean the University of Florida, I need some way to network myself with the soon to graduate and the med school/law school/graduate school students.
I don't need a debt consolidation company, I'm going to start working for one. I need to advertise for it.

post a brief on your services on their university's classified

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How do I get a consolidation loan fast with a bad credit rating.?

When you want to get consolidation loan fast you have to do it online. As of now the fastest way of getting a loan is applying online. The process is so quick that you get the loan in hours. Just visit any lenders website. Do a little of reading their terms and other stuffs. Then do a little research about the company. And Apply online if you are fully satisfied.
I hope http://loan-guides.net will help you in getting a bad credit consolidation.

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Which company has the best student loan consolidation rates?

I have a subsidized student loan in the amount of $11,460.55, does anyone know the names of specific companies that have the best consolidation rates at this time? What are those rates?
Well maybe I should ask, "which company offeres the best incentives and rate deductions"?

The federal consolidation loan has a fixed interest rate, based on the weighted average of the interest rates of the student loans being consolidated, excluding Health Education Assistance Loans (HEALs), rounded up to the nearest 0.125% or 8.25%, whichever is less.

The weighted-average interest rate calculation is based on the official interest rates for the student loans being consolidated, exclusive of any borrower benefit or other special rate discounts.

By law, all lenders are required to use the same interest rate formula for federal consolidation loans. Instead, you should consider customer service, flexible repayment options, online account access and applications, reputation and industry experience when selecting a lender.

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Does anyone know whether a debt consolidation loan would affect my credit rating?

Your credit rating is a measurment of how safe of an investment you are. If you have a high Credit rating you are considered safe. If you have severall loans you are not necessarily considered to be an unsafe lendee. However if you miss payments or some of your loans are credit card based and near or at the credit limit you would be considered risky.
Money is money, and you would want to borrow money at the lowest interst rate possible. You need to look into the current interest rate you are paying and compare it to the consolidation interest rate.
When a person applies for a lot of creidt in a short amount of time their credit rating is affected adversely. Due to this if you are getting this consolidation loan near to another loan you received you could damage your credit rating slightly.
However, paying off high interest loans with the consolidation loan and then making your payments on time would do more good than bad.

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How tax deductible are charitable donations and home equity loans?

When they say donations and home equity loans are tax deductible, what does this mean? Does a $1000 donation mean $1000 less federal income tax? Does $1000 paid in interest on a home equity loan mean $1000 less federal income tax?

No, these become part of your Itemized Deductions if you plan to itemize. The Itemized Deductions reduce your taxable income, which in turn decreases the amount of tax you would owe.

For example (all hypothetical numbers), if your gross income 20,000 and your itemized deductions are 6,000, then your taxable income becomes 14,000. And the tax is calculated off 14,000. (Of course there is still an exemption to account for, but that's not what we are talking about).

Tax credits reduce your amount of tax directly. Deductions reduce your income. I hope this all makes sense.

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what would happend to someone who sign someones name to get a home refinance?

my husband brother in law sign a document for a home, my husband did sign the first loan, but then the deal with the business home group went bad for them and they decided to refinance but this time without telling my husband, in the new loan documents it says that whoever sign the borrower wich is my husband show proper ID and this is a lie because my husband didnt sign anything this time.. the borrower had 11 thousand dollars at closing wich is another lie we didnt get any money.. can we go after this loan mortgage company? should have they check to see if the person who sign the documents was really my husband? when the documents says that the borrrower showed proper ID only it wasn't my husband who sign? do we hve acase of forgery? do we have a case at all?

Your first step would be to contact a local title company and request a property profile on this property. This is free to the public and will give you some of the information you will need:

I use Fidelity Title for this service, but you can pick one of your choice - ask for the following:

Property profile along with transaction history recorded in the last 6 months. You will need to provide the address of the property along with any owners on title (this will help the title company to search the property).

After you obtain this information go to your local recorders office as do the following:

You need to get a copy of the recorded Deed of Trust and Grant Deed removing your husbands name from title. This document will be recorded in the county in which the property is located. The property profile from the title company helps to show the documents recorded on the property (part of the transaction history) so the recorders office can locate the documents you are requesting.

Please note this:

In order to have your husbands name removed from title his name would have to be notarized by a notary public. This would be a grant deed (removing his name and keep the other people on the property). A notary public is required to notarize his signature (properly identitfy him by drivers license, passport, etc.) and put a thumb print in the notary journal (this is a book the notary public needs to keep at all times). If a notary public were to obtain fradulent documents or identifications to notarize any document - you can bring up criminal charges to the notary public.

Get a copy of those recorded documents and go from there. You can file a complaint againt a notary public through this website:

http://www.sos.ca.gov/business/notary/notary.htm

If the loan agent that handled this loan transaction is licensed by the department of real estate or even the licensed broker (loan office) did fradulent activity report it here:

http://www.dre.ca.gov/

I hope this information helps, best of luck to you.

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If someone is in foreclosure, is refinancing possible? If so, how, who, and where could they get refinancing?

Refinancing by traditional lenders is pretty much impossible in foreclosure.

However, if your loan-to-value ratio is good (i.e. you have around 65% equity in the property) you can try to contact a 'hard money' lender. The rates are higher than banks, but they don't care about credit history, foreclosure or anything, simply ownership and LTV.

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How can i get a consolidation loan to pay off all debts when i have bad credit rating?

I HAVE TRIED MOST PLACES FOR A LOAN TO PAY OFF DEBTS AND MAKE MONTHLY OUTGOINGS LOWER.BUT BECAUSE I AM CURRENTLY A HOUSEWIFE,AND DO NOT WANT IT TO BE A JOINT APPLICATION NO ONE WILL EXCEPT ME.OH AND I DO HAVE BAD CREDIT RATING!

I know how you feel, its bad isnt it. The only places that will lend are the ones who charge extortionate interest rates so you get into a bigger mess than you were in the 1st place. Those lenders should not be allowed to do business with any1, they just prey on peoples weaknesses. whilst rubbing their hands at the profits they make.

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How do I get rid of my credit card debt?

I am a college student that had poor money management skills early in college. I am in about $9,000 worth of debt from the past 3 years (much is late fees) and the collectors have been calling me. Are there any good steps to take to get me on the road back to debt free? I've heard about loan consolidation and stuff but I don't know if thats just a scam.

For debit consolidation you must have over $10K in debt, some even more.
The best thing to do is call the debtors and make an arrangement with them. Make your payment proposal as much as you can afford monthly.

Good luck, the collectors must call, you do owe them.

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Where can I find a debt consolidation loan w/ bad credit for about 10,000 dollars?

I need to wipe out everything quickly and show a good payment history. The debts are too old to get a traditonal bank loan. I have thought about the the online cash advance payday high intrest loans b/c I am more lkely to get approved . I am beginning to think it is worth it so that can repay an old debt to my college so I can graduate, finally obtain a regular loan to secure a home loan instead of paying out high rent as a single parent of three. Where can I get this sort of loan and do the ways out weigh the means in my case.

Try the website below and read it all. there are several links to debt consolidation loans for those in need of credit report repair and debt help!

I got my score up from 480 to 709 in one year with the help I got from this site! Debt consolidation is not a bad way to go if it means that you avoid bankruptcy and defaulting on your loans and credit cards!

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What company or companies gives out debt consolidation loans to people with bad credit?

I want to know if you personally found a company which considered your case and gave you a loan even though you have bad credit and outstanding balances. I have researched enough about counseling and debt consolidation loans. I just want to know who has actually gone through the process and which company you used. Thanks

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is:

http://umgarticles.atspace.com/debt-consolidation.htm

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i have bad credit and i won't qualify for a consolidation loan. i'm in collections. can anybody help?

has anybody found a lender that will provide a consolidation loan even with bad credit based on income? i don't know where to begin and i've tried credit counseling, but they don't help.

I suggest read, read, read. The Total Money Makeover by Dave Ramsey gives you steps to take with dealing with creditors. If they are credit card companies, only talk to them once every 2 weeks, send them in what you can but ALWAYS pay your rent/mortgage, food, electric/gas/heat and car (if you need it to get to work) FIRST before credit cards. Credit card collectors are the worst because they hound you so bad.

Read "The Total Money Makeover" for more ideas on how to get out of this. His book will give you hope. He had one person he counseled that kept the creditors at bay by paying $2 a month on the debt until s/he could pay more each month about a year later.

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Reputable debt consolidation loan companies?

Best company to go through to get a loan for 10K with having a low credit score. Monies will be used to pay off all negative credit.

yeah..i have a reputable company named Ezconsolidation i have heard a lot of good things about this company. No matter even you have low credit. The easiest method of getting off your debt is i suppose debt consolidation..All you need is to apply there online
Just check out http://www.ezconsolidation.com.
They will help you out in every possibilities …

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Does it hurt your credit to get a consolidation loan with a lower interest rate to pay off your debt?

I dunno. But I just consolidated my student loans, so I hope not.

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Should I take out a Home Equity loan to pay off my private Student loans?

I heard that taking out a Home Equity loans to pay off my private student loans is an option. They are several loans through Sallie May resulting in $79,000 including interest, but are not consolidated. What are your opinions?

evaluate the term of the loans, the interest rate you would be paying and if they are tax deductable now, and if you can make use of the deduction should you shift them to a home equity loan. Then, decide if there is any chance you could be unemployed or otherwise without the means to pay on the loans. If so, you may not wish to offer your home as collateral to these loans.

It’s going to be a matter of balancing the interest costs against the risk to your home most likely.

Don’t forget to match the terms of the loans when evaluating on a payment basis.

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is it smart to refinance a home to pay off credit card debt,and do some home improvements?

and how hard is it to get your home refinanced with one spouse that has been self employed for under a year?

Hey Artist,

There are some really good answers thus far, and also some really bad ones.

First off, it is entirely impossible to use your self-employed spouses' income if he/she has been self-employed for under a year. Unless, they have been self-employed in the same line of work for the last two years, or, you do a "no doc" loan, in which your employment history is not verified AND you income's are ommitted from the loan. You must have a qualifying credit score to do so.

Second,
Let's examine your goals. Paying off your credit cards will in turn do what? Lower your monthly obligations? Is that your goal? And improving your home will do what? Increase it's value? Is that the goal? What is your current rate? How much debt do you have right now? How much equity do you have?

There are a lot of variables here, too many for anyone to give you the right advice. But let me tell you what I do know:

DO NOT bounce your debt around on 0% credit cards. You have the debt. You want to get rid of it. Work a plan out that fits within your budget. If you do decide to refinance, DON'T listen to advice telling you "you'll be paying on it for 30 years". Just because a mortgage is amortized over 30 years doesn't mean you have to take 30 years to pay it off. That's just ridiculous. Here's an example: You owe $100K on you house worth $150K. I have no idea what your rate is, so we'll use 6%. The payment is $600/month. You have $10,000 in credit card debt and the payment (minimum) is $400. Total outgoing monthly expense: $1000. By rolling in $10K in debts, pulling out $5K for home improvements and rolling in the cost to do the loan (approx. $1500) you end up with a new loan amount of roughly $116,500. Using the same rate as above, 6%, your new payment would be $700. You've taken $400 of COMPOUND interest, and converted it to a lower, simpler, tax-deductible interest rate, saving yourself $300 a month, getting that new kitchen or bathroom which in turn brings up the value of your home, and, there's more… If it costs you $2000 to do this, how many months of $300 savings does it take for you to break-even? Less than 7. After that it is TRULY $300 a month in savings. If you directed that extra $300 a month back into the principal of that loan, how many months would it take to eliminate the debt? 33.3. In less than three years from now, you are debt-free (if you do it right) and an improved home. It is even lower than three years since you get a portion of your interest back, every year.

That's treating your home like the investment it is… Not another liability.

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I'm currently in foreclosure. My credit has taken an awful hit due to divorce. Is refinancing an option?

You would have better luck winning the lottery.
The only exception is if you have alot of equity in your home. Which is highly doubtful since you would chosen to sell it rather then get evicted.

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Has anyone tried a debt consolidation loan?

have you tried any of these loans? i am trying to consolidate $10,000 of high interest credit card debt and $15,000 auto loan into one low rate loan.
what is your advice?

i would prefer some REAL answers, but smart-assed comments are always welcome.

My advice is to get a job and you could afford to pay your bills.

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Searching for an apartment out-of-state. What am I doing wrong?

My boyfriend and I are finally moving in together. I just recently graduated nursing school and took my licensing exam (waiting for the results still, but I studied my brains out). I quit my retail job a month ago I had here in New York to prepare for the exam. Now we are stuck in limbo waiting for an apartment. Against my better judgment we have subscribed to 4, yes 4 of those apartment searching sites- 60 bucks a piece and still no luck. I have average credit because of medical bills from a car accident that were disputed. And he has poor credit because he got a consolidation loan 6 months ago to solve his financial issues/ student loans. He is in California already working two jobs and waiting for me. I'm waiting on my license and a apartment. My question is, after all that — am I missing something? Is there a reason, two non-smoking, young, responsible adults with no criminal backround, no pets and two current sources of income cannot find an apartment in Southern California?

They likely won't lease to you because you do not have a job.

The loan consolidation is looked at by some managers and lenders the same way that bankruptcies are looked at; that you do not handle money well.

You are in a good field and likely to do well, once you get your scores. However, you'll make more money as a traveling nurse, in which they will provide room and board money. So, wait it out just a little longer.

Better yet, look in the classified ads in the Southern Calif newspapers for the private renters: people who will rent out a place without using a professional service.

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i'm looking for an unsecured loan of £15000 for debt consolidation with a fair to bad credit rating. reccomend

i'm looking for an unsecured loan of £15000 for debt consolidation with a fair to bad credit rating. it is to be taken out over a period of between 8 and 10 years. as many , if not all sites, give very little if not no information at all, i was wondering if anybody can reccomend a good loan company to call for a quote. i want to make sure i find a company that is not going to hike the %apr drastically over a period of time, few penaltys on over payments or early settlement, and any other benefits that can be reccomended by you. also if you have had a bad deal off a bd credit loan compay i would like to know about that and cross them off my list. any help at all would be much appreciated. thank you.

Go to Citizen's Advice before you get raped for every last penny you have.

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Where can one apply for a consolidation loan with bad credit.?

A family member is desperate and need to apply for a consolidation loan, but have very bad credit. Can someone suggest loan companies that work with bad credit?

I did some research on the web to see if there were any unbiased ratings, comparisons or reviews on debt consolidators a.k.a.consumer credit counselors. I did find one here: http://www.lendersrated.com/index.htm…

I hope this helps.
Leafgreen

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Any recommendations for good loans for bad credit…?

I need about $4,500-$5,000 in order to be in good standard with my bills. I am not doing to well. I get paid every 2 weeks and my paycheck goes straight into my overdraft account everytime for the past 3-4 pay periods. I am in need of a loan for at least $4,500 (preferably $5,000) in order to break even. I have applied to a few loan companies and banks, but I am always denied due to poor credit. I am also looking for a part time job for late eve, nights and weekends, and I am currently researching several debt consolidation programs. I am currently working at a full-time job, so once my bills are caught up and/or consolidated, I can make those payments on time. Does anyone have any suggestions or recommendations? Please help!

5,000$ is 420$/month for the next year.

Can you find that money somewhere else than in a loan ?

- a part-time job when you'll find one
- a roommate
- selling a car, boat, etc.

The problem with one more loan is that your troubles are just pushed further on the calendar. You'll have to pay back your debt, and it's going to cost you twice the borrowed amount.

So cut expenses, earn more money, change your life style for a few months and you'll be great in less than 365 days !

Ps : If you like to write, maybe you'll earn enough to make a difference : http://openadsense.com

Good luck !

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Debt Consolidation Loans for people who don't have homes and have extremely bad credit.?

I owe about 10,000 on medical bills and about 5,000 on other unsecured items. I earn about 40,000.00 before taxes. Is there a company who can and will give me a debt consolidation loan with bad credit and no homeownership? I am trying to help myself.

If you want to help yourself, you need to address the problem of overspending and no emergency fund. Otherwise you will be right back in credit card debt after you consolidate. Statistics show, that when people consolidate and do not address the real problem, they end up running their credit cards back up. Then they have the same debt they had before plus a consolidation loan. Best to work through the debt by cutting expenses and working an extra job or overtime. Be careful and good luck.

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Are there any genuine loan companies for tenants in the UK?

I am seeking a £15,000 consolidation loan over five years. Is there a company out there which does business on this basis with tenants?

Please can you contact Citizens Advice, they may ask the company(ies) to spread your payments out over a longer period rather than you getting further into debt. There by you would be making longer payments but of a lower amount.
Also just remember these company(ies) you owe to can not take you outside and shoot you!
They can not repossess your home. All they can do is threaten to take you to court but they wont as, they know if they do make you bankrupt then they will never get a Penny from you.
I owe over £40,000 and I only pay £15.00 per month. I have told them that is all I am giving them and if they want anymore they can see me in court.
Because I am making some sort of payment a judge will not order me to pay any more.
If the people you owe wont stop ringing you change your phone number.

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Student loan consolidation, no signed papers?

I received a letter stating my loan application had been approved. The funds had been dispursed to this creditor. I have an application in hand from another source with the same creditor but a lower interest. I NEVER filled out an application. I did fill out something online a while back that was supposed to help find someone to help me payback my loan …. not a loan application. Is this legal? What are my options? I'm not even sure I want to consolidate because my interest right now is lower than the consolidation rate and it is making me pay 10,000 in interest. The loan amounts from this one company that says they already dispursed the amount is almost 500 different than what I owe … like there are some fees associated …. that I am not aware of. Aren't I supposed to see everything hard copy to review it first before a loan application can be processed? Such as fees and interest rate …. etc?

http://loanconsolidation1.blogspot.com has good ideas and help for student loan consolidation and refinancing student loans

http://loanconsolidation1.blogspot.com

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Home equity loans

Simple example of borrowing from equity to fuel consumption

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Technorati Tags: accounting, Credit, crisis, finance, mortgage

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What to look for when shopping around for home equity loans?

Any advice on what to look for when shopping around for home equity loans?

Are there referral commissions?

I have a couple of individuals looking for a home equity loan … I told them I'd look into it for them. I'd like to find a quality vendor, but if referrals commissions are paid out, I'd like to negotiate for that too.

How do I figure out what is a "great deal"?

PS. I'll happily take general replies but this would be specific to Calgary, Alberta, Canada.

You have to have a mortgage license to collect a commission. It is not legal to be involved without a license.

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What’s the easiest place to get a mobile home refinance loan?

What’s the easiest place to get a mobile home refinance loan?

What I’m getting is my mobile home needs to be on a permanent foundation to get the loan. I need the load to put on a permanent foundation. I’m kind of stick in the middle.

Vanderbilt Mortgage refinanced my mobile home WITHOUT a foundation.

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refinancing in foreclosure?

Is it realistic to be able to refinance when in foreclosure? I've got over 30% equity, just got over a bad spell so credit is shot. Also, there are some liens on the house.

I would seriously considering selling the house and downsizing until I could afford to get into the housing market again.

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What are some good Student Loan Consolidation Companies?

These crooks known as Sallie Mae have screwed me. Two years ago I started receiving my student loans, and the interest rate at the time was only 2%. I even have a sheet of paper stating that.

My total in loans was $42,000.

I get my statement in the mail last week and suddenly I owe them $57,000 and they jacked up my interest rate to nearly 18%. I nearly cried. I called Sallie Mae right away stating, I cannot pay $688.00 a month it is just ludicrous.

I only have a couple more weeks to find a cheap, but very respectable loan consolidation company. My sister uses Nelnet, but they haven't gotten back to me yet.

For all of you college graduates what is a cheap, but VERY respectable and honest Student Loan Consolidation company?

You can email me with details if you'd like.

Thank You.

All of my student loans were through Citibank initially, and last year I consolidated through them. They gave me a 5% interest rate which I think is very reasonable. They have also been very helpful on the phone when I had questions and they have never adjusted my interest rates without informing me first. Their website is www.studentloan.com and I would recommend them highly.

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Why does the government not control the interest rates and charges the credit card companies charge?

Credit card companies are allowed to increase interest rates to over 30% if they want. They also determine that the consumer is a poor credit risk if they have high balances on loans without looking at the fact that payments have been made in excess of amount billed and on a timely basis. It also seems that when a person nears retirement age, most companies increase the interest rate to the extent that it cannot be paid by a person on a reduced budget. This forces the older person to either go to a debt consolidation company (which charges for their services also) or quit paying, with the risk of loosing any assets that they have accumulated. Either way, embarrassing, harrassing phone calls have to be dealt with. A younger person with no home can file bankruptcy and they have no permanent consequence to this action. I am 62, have paid my bills all my life and now all interest rates increased and I can't make payments, even with debt consolidation. HELP-PUT LIMITS ON CREDIT CO.

Try the UNITED WAY debt consolidation I did and the calls stopped and I made one payment a month according to income level and there was no fee. You MUST call your credit card company's and tell them to STOP your cards immediately or it just keeps getting more and more (very very important) don't use them at all go all cash or don't spend. This is a free country thank God and we should not let the Government dictate anything. I hope this helps. Knowone made you go into debt so its you that has to figure a way out. A real challenge indeed, with out claiming bankruptcy (even if you claim Bankrutcy you still have to pay back at a lower rate depending on kind of Bankrutcy and judges decision) go to consumers Q&A on your computer and see what other people are doing and follow what is working for the MAJORITY. It might work for you as long as your debts arent too far out (Hundreds of thousands). It seems the older we get, the less they care about us, not much can be done about that unfortunately. when the goin gets tough, the tough get going …..good luck my friend…. your imagination is thier worst enemy…… Peace

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Debt Consolidation Loans for people who don't have homes and have extremely bad credit.?

I owe about 10,000 on medical bills and about 5,000 on other unsecured items. I earn about 40,000.00 before taxes. Is there a company who can and will give me a debt consolidation loan with bad credit and no homeownership? I am trying to help myself.

Please do not take one of these loans on. The interest rate will be extraordinary and they will hound you more than a hospital I can assure you. What is the maximum amount that you can put on your debt on a yearly basis and really make the payments. Then find a legitimate credit counseling agency, check online. They will help you with a plan. this will ding your credit but so is your current situation.

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what are the difference between debt consolidation loans and using debt consolidation companies?

and how do i know the difference? or are there any differences?

If you're going to do something like this, chances are that you are deep in credit card debt and feel like you won't be able to get out with out the help of a loan like this. Be forewarned, many of companies will have you paying many times as much as the original loan amount and you may be paying for the rest of your life. If you must get a loan, try to get one from your bank or credit union as they will not necessarily try to rip you a new one. Make sure that amount you will be paying monthly is enough to pay off the loan in a reasonable amount of time or ever. Some of these loans negative amortize which means you can never pay them off with the minimum payment. Make sure the interest isn't higher than the interest on the loans you already have. Make sure the loans are at a fixed rate and will not change or balloon. Make sure there is no penalty for early payment. Good luck. Don't trust a company you haven't heard of.

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Need help getting a loan to pay off debt!!!!?

I am in a bind. I have poor credit and need to start fresh. I have been denied by every bank out there . I just want to get a consolidation loan and payoff all my debt and make one loan payment and improve my credit. I have credit cards and two payloans to payoff at this time. In the past I have had late payments and a car repo (2001). Can anyone give me some options?
Any advise is welcome, but serious advice!

Have you tried a credit counseling program? They consolidate all of your credit cards and you can make just one low monthly payment. I know that there is one called Christian Credit Counseling. If you google credit counseling you should come up with something that will help. Good Luck.

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Bad credit debt consolidation loan?

Here is what's going on with me. I have about 30,000 dollars worth of student loans, however I have them through more than one place…I have one through Astrive, a couple of Direct Loans, and one through Wachovia. I also have a car that my mom took out in her name and is going to want off of her credit that's around 13,000. So, it comes to around 50,000 total of debt. I would like a debt consolidation loan, not only to get the car off of my mom's credit, but to make things easier for me, because making the minimum payment to everything is going to cost me more per month than just paying one place. Plus, a loan will build my credit. The thing is, I have bad credit because I was swamped with medical bills a couple of years ago. Does anyone know of any companies that will give out either personal or consolidation loans of the amount that I need and will work with people of bad credit?

Student loans are eligible for consolidation, and usually have more favorable interest than you will get any place else. Why not try a car loan to just finance the car and consolidate the student loans – those will have longer payment terms, even 30 years, so the payment are the lowest you can get. Capital one is a good place for people with lower credit scores to get a car loan. Go to the capital one web site and check out what they offer for your car.

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Anyone knows any reputable high risk loan companies or bad credit debt consolidation companies.?

debt consolidation companies or money for a start-up business.

TONY "TWO FINGERS" SCARPELLI AND GUIDO "HEADBANGER" SAIRDUCCI LOANS INC AT SHARK LOANS

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What is a good interest rate for student loan consolidation?

I have been offered 4.5% so far…

I'm assuming that you're taking about a Federal Consolidation Loan, through which you would combine your existing Federal Loans(through which you would combine your Federal loans like Stafford and/or Perkins and/or PLUS loans into one large, fixed-rate loan).

Interest rates for Federal Consolidation Loans (or Direct Consolidation Loans, which are also federal) are based on the interest rates of your your *existing* loans, which are all set by the federal government. As such, you will receive basically the same interest rate "offers" from any reputable lender with whom you apply. The only time the rates will differ is if the lender is offering additional "interest rate incentives" (a.k.a "borrower benefits") to sweeten the deal.

For your reference, the current rates are as follows:

* STAFFORD: if you are in school or in your grace period, your Stafford Loan will carry an interest rate of 4.7%; if you are in repayment, your Stafford Loans will be at 5.3%. On July 1st, these rates will increase by another 1.84% (which is why you will want to consolidate before then).

* PERKINS: any Perkins Loans that you have will be at 5%. This is a fixed-rate loan, so don't expect much flexibility here.

When you consolidate, your lender will take a "weighted average" of all the current interest rates on all the loans that you're consolidating; they will then round up to the nearest 1/8th percent. So, the current 4.7% Stafford rate, when rounded up to the nearest 1/8th percent, becomes 4.75%. This is the "base" rate you can expect from a lender offering no incentives. Now, almost all lenders will offer you a additional 1/4% interest rate reduction if you elect to have your payment automatically debited from your bank account each month. 4.75% minus .25% = a total interest rate of 4.5%. I'd be willing to bet that that's exactly what your company is offering you, right? You'll see a lot of companies offering this rate to their borrowers — don't accept anything higher than this, definitely. You can certainly shop around for a lower rate, though you probably won't receive anything too much lower.

***When weighing these different offers, keep in mind that the rate isn't everything. If you are offered a rate that is *dramatically* lower than the federal rate, be wary. Make sure that you're being offered a *Federal* Consolidation Loan and not a private one. Check to see how long the company has been in business; in general try to avoid companies that haven't been around very long.

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Debt Consolidation?

Hey, I need some help.

I have bad credit - it's not horrible, but it's really not the best. I was talking to one of the guys who I am paying money to right now. I have a payment arrangement with him, and he is offering me a settlement. I do not have the money to pay it, but he suggested that I go to a place like wells fargo and get a debt consolidation loan. If i have poor credit will I still be able to get this??
I live in Canada - Does anybody know what canadian companies I could use?

I would suggest a finance company–they deal with people with less than perfect credit. Interest rate will be higher, but easier than a bank. Look in your yellow pages–a couple company's would be Beneficial, or American General. Do try for the full amount, if they won't approve that, see how much they will approve. Keep in mind that if you do a settlement, you will be taxed on a certain amout that you did not pay. For example; $5000 debt–you are offered settlement of $2000. This leaves $3000 not paid. Anything over $599 of that $3000 is reported to IRS–they consider that taxable income and you will get a 1099 for that. Good Luck! ***

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Debt Consolidation Loans For Bad Credit?

Are there any debt consolidation loans or personal loans for non-home owners with bad credit? I'm currently on a debt management payment plan but I'd really like to take out one loan to pay off all my debt at once.

I havent been able to find any loans for this purpose.

Thanks!

Bad credit is one of the worst problems to have… however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

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Are student loan consolidation companies legit.?

Usually they are, especially folks like SalleMae and NellieMae. These can be a good deal for you under certain circumstances.

Are you making multiple loan payments to different servicers on different loans? Are you having difficulty making your payments and need a longer repayment period or lower payments? Are you past due on the loans and trying to avoid a default? Or are you past due and trying to go back to school? All of these are legitimate reasons to consolidate, and to find a reputable consolidation loan.

However, you have to balance this against a longer repayment which means more interest paid. Also you can usually only consolidate once and if doing this frees up money that you will only waste on something else (like credit cards), is it in your best interests to do this?

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How does student loan consolidation affect your credit rating?

I'm almost positive I am going to consolidate my student loans from college because the repayment starts soon, and it seems like my best option. I've heard that it's also supposed to raise your credit score immediately. Is this true? How much of an impact does it really make?

Thanks!

Hi There,

You are absolutely right… Your credit can be greatly increased immediately by consolidating…

The reason is as follows..

Picture your situation if you dont consolidate.. You have say 10 loans, all with a different monthly payment ans interest rate all of which obligate you to a minimum payment each month..

So, the way the credit bureau's see it, you have alo tof obligations each month to pay for, which gives you a high DTI or debt to income ratio…

Now, once you consolidate, it does manyu thngs… First and foremost, it comnines the multip-le loans into one large loan… The one large loan will have a SIGNIFICANTLY LOWER monthly payment which is huge in determining your credit score…

So, the answer is YES it woul have an immediate impact on your score.. It could raise it as much as 100 points depending on your credit situation…

The next question you should be asking is where to go to get the best rate for consolidation..

The thing that most people dont realize is that the Department of Education regulates and determines EVERYTHING about the consolidation process..

Every lender has the exact program to work with ther eis no difference in the type of qualifications from one lender to the next because we are all administered by the departmen tof education..

The ONLY difference BETWEEN LENDERS is the department of education chooses ALL RATE DISCOUNTS offered to students…

Currently the government only offers 3 rate discounts.. Most lenders (sallie mae, nelnet,) choose to only give 1 or 2 of the rate discounts (because they lose $$ by giving)

My company is a little different.. To set ourselves aside from the rest, we offer ALL 3 RATE DISCOUNTS TO CLIENTS..

It actually adds up to 1.85% OFF YOUR RATE FOR CONSOLIDATING…

Other lenders will only offer yo to 1-1.25% off…

I am a licensed student loan advisor with Student Aid Lending, we are a nationwide title IV lender administered by the Department of Education… I would be happy to assist you with the consolidation process..

Take a look at my yahoo 360 profile.. There is alot of helpful information there for anyone to view.. You can also find the direct link to my website..

http://360.yahoo.com/my_profile-hluduhmi…

It is actually a VERY SIMPLE process, it can be completed in 10 minutes over the phone and internet…

Feel free to call or email me at any time.. Im available at all tiem to answer any questions or concerns you may have..

I hope this helps!

Jason Fry
Student Aid Lending
1-800-964-0642 ext 114
jasonf@StudentAidLending.com

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The Importance Of A Debt Consolidation Loan In Improving Your Financial Life

An ever increasing number of people find themselves struggling with their finances at this point in history. These men and women many times feel like they will be swept away in a wave of drowning debt. If this does sound quite like you, consider a debt consolidation loan.

Bring Order to Your Finances
When all is said and done, a debt consolidation loan can be an important tool for you in your efforts to bring order to your finances, in your efforts to drag yourself safely to the shore and out of a sea of debt. Here you will find some of the major benefits of a debt consolidation loan.

Eliminate Late Fees, Penalties and Higher Interest Rates
In looking at whether a debt consolidation loan is the right option for you, you need to keep in mind that one of the significant problems associated with financial difficulties are the late fees, penalties and higher interest rates that are connected with accounts that are delinquent. One of the immediate and most significant benefits of a debt consolidation loan is the lowering of interest rates and an elimination of the late fees and penalties that have been assessed against you due on these various delinquent accounts. By lowering these costs through a debt consolidation loan, you can have a profound positive effect on your budget. You will find yourself saving a decent amount of money by eliminating late fees, penalties and higher interest rates and related charges.

Lower Your Stress Level and Get Rid of Debt Collectors
Another of the important benefits of a debt consolidation loan rests in the fact that such financing will lower your stress level. A person who constantly has to deal with debt collectors is in a most unpleasant and trying position. Debt and bill collectors can render a person’s life extremely stressful. In fact, many people facing the constant pounding of debt collectors find life nearly unlivable. Through a debt consolidation loan, you will be in a better position. You will be able to eliminate telephone calls, land based letters and even emails from debt collectors, bill collectors and collection agencies.

Improve Your Financial Future
With a debt consolidation loan, you will be working towards ensuring that you have a far better financial future all around. You will be making actual progress towards bringing a sense of order to your financial life. Moreover, you will be working towards improving your credit history and your credit score. The net result of all of this will be that you will have more financial options available to you in the future should you decide to purchase something like a home or a car.

In the absence of a debt consolidation loan, many people end up having to file for bankruptcy. A debt consolidation loan gives you the ability to take a positive and affirmative step towards lowering your overall financial obligations. In the aftermath of obtaining a debt consolidation loan, you will be on firmer financial footing and have the ability to avoid filing for a bankruptcy.

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Bad Credit Debt Consolidation: What Options Do You Have to Lower Your Debt?

You have numerous alternatives to minimize your debt that has a poor credit history. None of them can solve your credit problems in a jiffy. But they can certainly help you to consolidate your financial position. A loan for debt consolidation will simultaneously help in lowering interest rates as well as bring a reduction in your monthly payments. Such a program negotiates lower interest rates and services your debt.

Loan for debt consolidation

This term refers to either a home equity loan or a loan for personal use to repay unsecured debt (including credit cards) and your bills. The purpose of a home equity loan is to deduct your interest from your taxes.

Both types of loans allow you to negotiate terms for smaller payments over a longer period of time. But the catch is that it makes you pay more in interest. Another prime concern of yours is whether your debt consolidation loan has lower interest rates than what you are paying at present.

Program for consolidation of debt

By negotiating lower fees with your creditors and administering payments, these programs service your debt. The same low interest rate on bills will be given to you by all debt consolidation companies as the creditors have already predetermined the rate. The difference between the companies results from their customer service charge for following through with accounts and from the amount they charge as fees.

A debt consolidation program proves to your creditors that you are bound to repay your debts.2 years down the line; you can improve your credit to the extent of being able to apply for new loan or even a loan against mortgage.

Settlement of debt and bankruptcy

When you cannot afford debt consolidation fees or when you are lagging behind on payments for several months, you may think of debt settlement or bankruptcy. Both options will result in a reduction of either the whole or part of your debt. However do not consider this choice lightly. Either of the options will make your credit suffer for several years. But if you are trapped in dire financial constraints, you have these options in hand to pull you out of trouble.

You have to take a careful and realistic look at your finances in order to decide the best option for you. Ideally you want to repay your loans and bills to reduce harming your credit. A loan for debt consolidation usually has the minimum impact. Close on its heels comes a debt consolidation program. Your credit history will be burdened for 7 to 10 years if you use debt settlement or bankruptcy.

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Can a Debt Consolidation Loan Solve Your Credit Card Debt Problem

The loans of debt consolidation are useful every time for the customers those who are staggering under the load of the debt of the credit card. If you take a credit card debt consolidation loan then it is a smart move and you can also stay away from bankruptcy, get rid off the irritating calls from the creditors along with that you can lessen the load of debt forced by the prevailing bills of the credit cards.

By the beginning of the consumerist along with the excessive standard of living of USA, the credit card bills of an individual have arrived up to $9000 annually. The students also have a tendency of using the credit cards and raise the bills without thinking about the penalties. There is a huge rise in the filing of bankruptcy as an increased number of people along with the credit card debts are doing that and so the credit card debt consolidation loan programs have achieved a lot of popularity, it is also becoming a lucrative business in USA.

The people with a good credit report are the main targets of the companies who offer debt consolidation loan for credit card. These types of reports can also prove to be influential for the sanctioned loan amount, the payback tenure along with the rate of interest. If your credit score is good then you can surely get a great loan amount with a low rate of interest. Though it is for sure that the person who is taking the service of consolidation loan is covered up under the credit card debt already and that would also reveal on the score of his credit card and it can decrease the amount of loan.

Misconduct of the funds along with a messy usage of credit cards may result to terrible economical penalties. The main target of the beneficiary should be to take the debt consolidation loan and repay the loan with the interest rate. It is also suggested that if you have such bills that can be cleared without any help then it is better not to take the credit card debt consolidation loan. It must not be measured to be a source for avoiding the payments that are due or the due amount can be minimized.

The primary reason to take the credit card debt consolidation loan should be to get a good and low rate of interest on your present amounts. To judge this, you have to calculate the current rates at first that you are presently paying and the merging rates that you will have to pay after taking the credit card debt consolidation. At last, you should clearly talk about the settlement of the debt when the process takes place because this conversation among the borrower and the lender will ascertain that the debt consolidation loan program for your credit card is appropriate for removing the raising debt load.

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I have POOR credit and need help?

I have POOR credit, and a small debt. Because of my credit I can't get a loan, and because the debt is small I can't do consolidation. Is there any other offers I could take advantage of?

You would do better getting a second job and paying this off quickly. Psychopiet is correct about the advice of never paying a debt with another debt.

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I need a Debt Consolidation Loan, i have bad credit!?

Exactly where can i get a Debt Consolidation Loan. I have searched the net with no good results. I have allot of debt. I have been working my tail off trying to repay and survive my daily life paying rent, carnote etc. its been hard and breaking me. Does anyone or can anyone recommend a debt consolidation LOAN company? with very bad credit?

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what is the catch with loan consolidation?

Why would a student loan company advertise loan consolidation? Is there a cost to consolidting student loans, or any other loans? What is the lowest rate you can expect if you consolidate now? When is a good time to consolidate?

The best time to consolidate is when interests are starting to get charged to you. (different according to the type of loan you get).

There's no catch, but you need to understand that you'll pay 2 times the loan if you consolidate over a long-time.

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What is a good company to get a credit card consolidation loan from at decent rate? ( With good credit)?

I'm not behind on anything I just want to consolodate and cut them all up.

i went through the same thing, and i was shot down by every single one, because the rates on my cards and debt wasnt high enough. they wouldnt help me unless i had rates over 20% So i took my highest rate card and concentrated on paying that one off. then took that usual monthly payment and added it to the usual payment of the next card… and paid that one off and took those two payments and applied them to the third card. It took a lot of will power, but i was amazed at how quickly i paid everything off.

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NO CREDIT CHECK PRIVATE STUDENT LOAN CONSOLIDATION

NO CREDIT CHECK PRIVATE STUDENT LOAN CONSOLIDATION One major advantage that PRIVATE FAST LOANS DOT COM offers over other student loan consolidation companies is that it has loan programs which let you consolidate both your private and federal loans into a single loan if you want to do so.
With the cost of higher education being really high, students have to take loans in order to help them cover their educational costs and to manage their funds. Taking credit from various sources during different periods of time and with different rates of lowest interest, it becomes difficult for students to repay their loans and to manage their funds. Student loan consolidation is one of the easiest methods of easing the pressure of repayment. It is an option available to undergraduate as well as graduate students and helps them avoid default of their loan. Such a method helps by combining the various loans taken by the student and dissolving the various repayment terms and schedules into one blanket loan. This system also offers a lowest rate of interest (with interest rates falling by as much as 60%) along with providing a longer time of repayment. to learn more about this exciting offer, please visit our website at Private Fast Loans dot com

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Student Loan Consolidation Fixed Rate (Super Junior imitar Bollywood D Part 2)

http://hot-student.blogspot.com/ Obtenga ms interesantes vdeos…. This video is about Student Loan Consolidation Fixed Rate (Super Junior imitar Bollywood D Part 2)

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Hey! Are there any personal loan lenders, that can give me a loan of $9500, even though I have poor credit?

I can always pay anywhere from $100-$300 a month to pay it off.. I just really need somebody to help me….I'm trying to use most of the loan for school and bill consolidation. I was already contacted by some loan shark..who i looked up and was already called a scammer by several people. But please some one help!!! This is really stressful, trying to get things done when you have no money. Thanks in advance!

If you have poor credit, it is going to next to impossible to find someone to lend the money. You are just too big of a credit risk.

You can try the Peer to Peer lending sites:

www.prosper.com
www.lendingclub.com
www.zopa.com

If they turn you down, you are going to be pretty much SOL. As far as the school expenses go, contact your school's financial aid dept. They should be able to point you in the righ direction for student loans.

Note: Any private lenders that respond to your posting are scammers and are to be avoided.

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where can i get consolidation loan with bad credit?

I'm listing two services you can try.

But before you look for a loan, I strongly advise you to talk with a credit counseling service. The good ones do not charge a fee, and they may be able to help you much more than you might imagine. They will put together a plan for getting you out of debt without getting any more loans. That is really a much better option compared to going further into debt.

Good luck!

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are student loan consolidation companies unethical ?

Sure, some are and some aren't…just like any other type of company. Check how long they've been around and if they have a good reputation.

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Why does Sallie Mae require a cosigner for private student loan consolidation even with good credit?

It absolutely makes no sense. Even with superior credit you are still paying through the roof!

"If you have a superior credit history and a cosigner on your Private Consolidation Loan (or a cosigner with a superior credit history), your interest rate could be as low as Prime – 0.50% (6.75% APR) with no origination or disbursement fees.
If you have fair credit history and no cosigner, your Private Consolidation Loan interest rate could be Prime + 6.5% (13.75% APR)."

I worked so hard to build up a good FICO score and need a good consolidation rate. My parents have awful FICO scores. What should I do?

Find a relative to help. Student Loan companies are regularly dealing with students who default. Even if you don't, they have to make up the difference for the money they are loosing from all the bad loans. And if you default, they want someone else attached to go after. The only thing you might consider is a credit card with a 0% balance transfer rate (6mos. is typical). You can transfer to the card and pay off whatever you can, then transfer to a new card six months later, aka. credit rolling. This takes a lot of discipline but is the easiest way to avoid all interest charges. Most cards have limits on balance transfer amounts so you may need two or three. If you close the accounts after you open new cards, it will improve your FICO too. Also, you don't need cosigners for cards. Like I said, risky and takes discipline, but it works.

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Does anyone know a lender that will lend a bill consolidation for bad credit?

I have poor credit and i need a lender to lend me a loan so i can pay off the bad items on my credit report.Please help!!

If you have bad credit, you will get a high rate (if you are even approved). If you need a break on payments and interest, then your bad credit could help you qualify for a debt management plan. You may or may not need this type of program to get back on track.

I would definitely recommend meeting with a credit counselor instead of getting yet another form of credit. Here is a local directory of agencies for each state. I hope that you will get help somewhere. Good luck to you.

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If I have a bad credit rating and I desperately need a consolidation loan what are my chances of getting one?

i'm already paying more than £550 towards loan and credit card payments. I could consolidate all of them with a loan and only pay £300 a mth. But my credit is bad. Would any company give me a loan?

it is possible, but without knowing specifics its hard to say. Many times it depends on what is on your credit, not always just the score. I have seen people with very good scores get turned down b/c they have too much debt.

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What student loan consolidation company do you recommend?

Which ones are the best out there, especially for loans over $20,000?

I"ve put mine through Sallie Mae and have had no problems so far. They also let you register online which is nice because then you can see payments/make payments/see where interest is accumulating etc.

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Does anyone have a private student loan consolidation with Education Finance Partners?

Wanted to know if anyone is happy with the service they provide. Or are they like Salliemae where they rip you off and charge astronomical interest rates on student consolidation loans.

Private student consolidation loans are not guaranteed by the gov't - so they're a much higher risk to the lender. Therefore, they're typically based on the credit history of the borrower. It's unlikely you'd get a significantly different interest rate if you shop around to different lenders.

What you can do is get your credit in as good shape as possible before you consolidate, and/or find a cosigner with good credit. This can help bring the interest rate down. The rates may *seem* high, but they're probably lower than a typical credit card or car loan rate, plus the interest on them may be deductible on your taxes.

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FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE Student Ratio qualification plays a major part in the decision-making process of a Student loan. There are two ratios that are calculated for most Student programs. One ratio is the housing ratio, also known as the Student front-end ratio. the other ratio method is Debt, or back-end, ratio There will be many a case in which your Student borrower will not meet the qualifying standards to qualify for a loan. There must be prevailing circumstances, known as compensating factors, to ask the Student lender for an exception. Which of the items listed below would be considered a compensating factor for an Student High residual income A typical maximum qualifying housing or front-end ratio for a Student conforming Student loan is 28%A typical maximum debt, or back-end, ratio on a Student Ohio conforming Student is 36% To calculate the decimal equivalent of a fraction for figuring the Student Ohio, you will need to divide the numerator by the denominator.the decimal equivalent of the fraction for 5/8 for the Student is 0.625 The good faith estimate for Student Ohio is a regulatory disclosure. When must the Student loan originator present a good faith estimate to the borrower No later than three days after the application is taken 25 basis points for a Student Ohio equal to? 1/4%. we cater all types of loans. visit our website to learn more.. Private Fast Loans Dot Com

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College loan consolidation and credit score?

So, having multiple degrees doesn't stop you from making stupid decisions. I made some very poor decisions related to college loans.

I'm currently finishing grad school, but not a full-time student anymore, so my loans all went into repayment. Working part-time so I still have time to do research requirements. Long story, short: I have MANY loans and never consolidated–got overwhelmed by the payments and ended up 60 days late. Nonetheless, this is now reflected on my credit report. My score dropped about 130 points because of this. It took me YEARS to get my credit bordering between the Good/Excellent range, so I am extremely dissappointed in myself. I know this was stupid.

Anyway, my question - if I consolidate now, will that lead to any improvement in my credit score? Will my 15+ loan marks of "60 days late" just go to one, or won't this make a difference? I will consolidate regardless, but am wondering if this could make any positive change in my score.

Consolidating students loans do not make a difference to the credit expect if you fail to repay them (as you did). I have consolidated and it has worked out fine. I started with a low interest rate and because I paid on time for 36 months continuously my interest rate was dropped an additional 1%. If you can't make all the payments, consolidation is the best way to go and make your life easier. Good luck.

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Need a consolidation loan, have bad credit help!!?

I have bad credit - no ccj's or anything just defaults cos i missed some payments on a loan and catalogues etc, now i'm way behind and cant catch up. Have 3 kids and going bk to work soon from maternity leave but with nursery to pay for cant afford to pay everyone that i owe. Now need a loan to consolidate but cos i have bad credit cant seem to find anywhere! anyone know of anywhere i can try?
There are some things i just havent paid, eg 1 store card and havent made arrangements to pay it.

You don't need another loan (paying higher interest and consolidation charges!).

You need willpower! Cut up the credit cards, bin the catalogues, shop at Lidl/Aldi/Netto instead of Tesco. Cut out the luxuries. No more take aways/junk food/crisps/Coke. Buy basic food and prepare and cook a meal instead of heating up (expensive) shop prepared food. Stop smoking/drinking etc etc.

Sounds as if you are not to deep in trouble but worried about the debts all the time.

Work out what you can afford (then take a bit off to cover unknown yet problems). Make rational decisions as to what you want to pay to each creditor. Pay more of the ones with the highest interest rate!!!!!! Remember the loan companies are mainly interested in steady repayment.

Contact each company and explain the problem and promise to pay £x to them each month. YOU MUST keep up the payments or they come down on you like a ton of bricks!

Perhaps a year of really going without will sort you out - and also show you what a bad lifestyle you had! It will then have all been worthwhile. You will be proud of yourself and more importantly you won't do it again!

If you can't do this yourself the Citizens Advice Bureau offer a free service.

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Directory of credit card debt consolidation loans companies?

Anyone have a good site with a listing of credit card debt consolidation providers?

This one is really good -

http://www.creditcarddebt-consolidation.org/

.

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Student loan rates will be dropping, but my lender doesnt offer consolidation!? AES success Loan.?

So I have 3 small student loans with AES success. Since I heard student loan rates dropping, I was planing on consolidating and making it fixed. However, they do not offer that service! Is it possible to go through a different lender to consolidate the loan? any suggestions?

The loan rates are only dropping on those federal Stafford loans that you took out that have a variable interest rate associated with them. Any loan that was disbursed after July 1, 2006 has a fixed 6.8% rate, and that rate is not changing.

If you have variable rate Staffords from prior to July 1, 2006, then yes the rate is going to drop and by consolidating them after July 1, 2008 you can lock it in as a fixed rate loan at just over 3% less than your current rate. Pretty good deal.

The hard part is finding a lender as most FFELP lenders have abandoned the consolidation ship. Your best bet is to consolidate those loans through the government's Direct Lending program with a Federal Consolidation loan.

https://www.dl.ed.gov/borrower/BorrowerWelcomePage.jsp

This is the website for the govt's site. Keep in mind that if you include other fixed rate federal loans that the calculation for your new fixed rate will be done on a weighted average. You should speak to a loan rep about this process and its affects, or only process variable rate loans in the consolidation.

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Learn how to repair your bad credit and get out of debt quickly with the 3 major ways of solving debt problems Bad Credit Home Loans,Auto Loans,Mortgages,Dept Consolidation,Credit Card, Instant Guaranteed Approval In Second

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People With Bad Credit,Poor Credit Or No Credit even Bankruptcy Bad Credit Credit Cards,Student Loans,Comercia l Loans,Mortgage ,Refinance,Dept Consolidation, Auto Loans All Types

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Student Loan,Financial Aid

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School loans have become a necessity with the cost today’s College Education. After graduating, School loan consolidation can be a smart option by lowering your interest rate and combining all outstanding loans in to a new school loan with a lower apr. School Work has provided some helpful links from school loan companies and other helpful resources. We’ve provided several school loans resources, including the site for the U.S. Department of Education. We encourage you to take your time and compare multiple lenders and resources, and involve your parents or a financial advisor before actually applying for school loan.
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SIGNATURE STUDENT LOAN INFORMATION FOR GRADUATE SCHOOL AND UNDERGRADS-SMALL BUSINESS LOANS AND LOANS PROGRAMS VISIT NOW AND APPLY ONLINE NO FEES

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Debt Consolidation Loan Allows You to Leave Those Debts Behind

Debt consolidation is the most convenient way of erasing your debts. It comes as a blessing in disguise when you are surrounded by too many debts. You can take the help of services such as credit counseling, budget planning, debt consolidation plans etc. All these measures will help you consolidate your debt but, with time. A cheap debt consolidation loan will be an ideal option if you want to end your debts faster and better.

Cheap debt consolidation loans are loans at low interest rates specially meant for consolidation of your existing debts. These loans can be taken either by letting your property or valuable asset to the lender or in a form of an unsecured loan. Taking a secured cheap consolidation loan will get you better rates and longer repayment periods. An unsecured form of loan ensures you competitive rates with quicker approval for the loan without letting any security. You can borrow amounts around Pounds 5000 to Pounds 75000 for secured loan and up to Pounds 25000 for an unsecured consolidation loan.

Few points which you can take care of while going for a cheap debt consolidation loan
– What alternatives are available for you to minimize the loan amount to be borrowed? – What are the interest rates and APR? Whether APR is variable or fixed? – How much the loan will cost you? – Monthly installments which you have to repay? – What will happen if you miss a payment or if you want to repay or refinance early? – If the loan is secured on your home, the consequences of not keeping up with the payments?

You can search for a cheap secured debt consolidation loan through online loan websites. These websites offers you free loan quotes to compare with help of online comparison tools. Applying for a cheap consolidation loan will serve you with the following benefits:
– Single monthly payment instead of too many repayments installments. – End of threatening calls from your creditors and lenders. – Low rate of interest saves money – Can help in proving credit score. – No upfront cost – Online option saves lot of time and energy as you don’t have to visit lenders personally.

Lastly you can apply by filling an application form with the requisite details such as your name, address and contact information, residential status, loan amount required, employment status, credit score. You will easily get the approval once the lender process your loan request after getting satisfies from your details. We can say that, a cheap debt consolidation loan is a key which can open the doors of happiness for you.

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Credit Card Debt Consolidation Program – Get Control Over Plastic Related Debts

If you see no positive solution to get out of your debt trap related to credit card spending, you might be overlooking a credit card debt consolidation program. Since interest rates of credit cards are likely to be much higher than regular loans, these types of debts get piled up higher and sooner than other loans. If plastic money is not meticulously used, then users may end up paying higher dollar bills than the amount that was actually spent. If you find yourself trapped in a similar situation, discover your way out through effective program to consolidate all your loan and dues in one simple loan or card.

Leverage Credit Card Debts To Reduce With Debt Consolidation

People with higher credit card debts generally have a poor credit history. This makes them ineligible to get a loan approval. Even if they get a loan, it is at a higher rate because such loans are considered high risk lending. However, you should not lose heart because many companies offer bad credit debt consolidation programs to help you get rid of harassing collection call and steep delayed payment and other charges because of credit card dues. When you take a bad credit loan to consolidate credit card debt, you not only ease the debt burden but also improve your credit rating.

A consolidation program to combine dues from multiple credit cards into one convenient loan is an extremely effective tool in alleviating the pressure of never ending losses that you are incurring every month and still getting no reprieve from the total amount showing as outstanding. The companies that offer loans and or cards for consolidation charge much lower rate of interest that the existing loans and dues and you save substantially on interest payments and charges. Moreover, since these loans for the purpose of consolidating debt are long term, you have to pay an affordable monthly repayment. Thus a credit card debt consolidation plan is all set to help you take a sigh of relief, ease your debt burden and eventually become debt free.

Before you use a program for consolidating plastic money related dues, make sure you have carefully chosen your company. Some companies charge you for their services even before seeing your papers and debt structure. Experts consider these companies a sham. However, not all operators are unscrupulous and you can easily find a genuine debt consolidation company that can help you to take control of the situation and get out of the debt trap. Such genuine companies begin with seeing your papers, current debt status, then, assess your debt situation to offer you an appropriate program which might consist of a debt consolidation loan, counseling, financial management or a combination of all.

The companies would offer you a free online debt consolidation quote and then after assessing your case, they talk and negotiate with your creditors to relieve you from taking harassing calls from creditors. These companies hire representatives and managers to negotiate minimum payments, interests, late fees and penalties with your creditors. These companies might succeed to get some discount on the total amount due.

Numerous companies are operating in the market providing such free and efficient services. Conduct research on these companies and select a good card debt consolidation program that can deliver visible results in a satisfactory manner, have efficient customer support services, at offer you the most competitive rates.

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Why Opt For Student Loan Consolidation?

Education may be considered as a right but at the rate things are going today, education is becoming more of a privilege than a right. The economic downtrend and the increasing means of living are forcing people to forego higher education in favor of getting a job to support the family.

A variety of jobs are available even for people who have not finished college. Of course, most of these are part time and low paying jobs. The sad fact is that college graduates have more chances of getting good work opportunities and higher salaries.

Most people have realized that there are more opportunities for someone who has a college degree. Thus, more people are bent on getting a college or university degree at any cost. Some people who are really determined to get a degree continue their studies while working at the same time. But there is another way to achieve your goal of getting a university degree and that is by getting a student loan.

Most people have survived college by getting student loans. Some people get by and are able to finish paying their loans at the same time they finished college. For some, the various student loans they have availed of may have helped them go through college but they are having problems paying them off.

A person who has availed of several student loans all at the same time should look at the possibility of student loan consolidation. This means consolidating or combining all the student loans and paying for them as one loan instead of having to allocate several amounts for more than one loan every month.

Availing of student loan consolidation will not only lessen the number of loans that a person has to think of every month. This can also mean lower interest rates of for the consolidated loan as compared to the multiple loans, that have varying interest rates and are most often disadvantageous to the student.

A person who has to pay multiple student loans every month should take note of the disadvantages of such an endeavor and look for a better option. Most students consider student loan consolidation as a good idea especially in lessening their responsibilities every month. This way, they only have to think of a single loan to pay.

Any student who opts for student loan consolidation should be very critical when choosing a company offering student loan consolidation. The person should review all the requirements, the benefits as well as the onerous provisions to make sure that he is getting a good deal. Sometimes, deciding on student loan consolidation without first reviewing the conditions will only lead to higher bills and higher interest rates for the student.

A student is better off choosing a student loan consolidation company that has an online presence. This way, the student can apply for the student loan consolidation and can go on paying them even through an online basis. Sometimes, students have very hectic schedules and they do not have time to personally go to student loan consolidation companies to settle their bills. This is often the reason why student loans are not paid on time.

With an online student loan consolidation company, the student client can check his payments as well as his outstanding balance from time to time through the internet. Of course, students should also make sure they are dealing with a reputable company so their records will be kept secured and confidential.

Students should also check discounts being given by student loan consolidation companies. There are companies that offer discounted rates for students who opt for automatic monthly debit payments. Through this, the student loan consolidation company can automatically debit the monthly payments from your bank account. There are also companies offering discounted rates for payments before or right at the day the payment is due.

The best thing to do is to conduct a thorough research on the reputation of the student loan consolidation company, the discounts and the perks they give and the onerous provisions inserted in the contract that you sign with them.

Students who opt for loan consolidation have the option to pay the loan several months after graduation to give them time to find a job and earn their keep. With only a single company to remit payments every month, the student can now concentrate on his career and on paying his student loan at a lower cost.

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Good, small debt consolidation loan needed?

I have several small loans, coming to a total of about $2,000 all together. Is there any good debt consolidation loans for people with poor credit?

Yes. You may want to try Prosper.com. You can ask for the conditions you want and, if they are reasonable given your credit rating, people like me will bid to lend you increments of your total desired loan amount at a particular interest rate. Once the bids fulfill the amount you want to borrow Prosper will transfer the money to your bank account and then you can pay off your bills! You will then just make one payment each month to Prosper.com who will then disburse that money with your interest back to the lenders. It's like Ebay meets your local bank. Check it out.

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can someone tell me can you get a consolidation loan with bad credit?

my wife was laid off for a spell and our bills got behind
our credit scores lowered and i need a consolidation loan to lower our monthy payments

Hello! A consolidation loan won't really help you ease your debt. It will just lump all your payments into one payment. What you really need to do is negotiate with your creditors. Explain the situation and work out a payment plan. Try to get them to lower the interest rate. It is easier than you think to negotiate with creditors. Good luck!

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What's the best student loan consolidation company?

I'm looking to consolidate a bunch of my federal student loans. I get tons of offers in the mail, but what's the best company to consolidate with? (Or, on the flipside, which companies are horrible?) Looking for tips, advice, anecdotes, etc., etc.

There may be something of use here.

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Interest Rates on Student Loan Consolidation?

I just graduated and I am trying to consolidate my student loans. Right now, they are with two different comapanies which offered me a 7.14% and 7.25% interest rate respectively. I called another company who had sent me literature, and they offered a 6.125% rate for the first 36 on time payments, then it will drop to 5.875% after that. I thought this was a good deal, but people keep telling me that it is an awfully high interest rate on a student loan. Does anyone know if a lower one can be found anywhere, and if so with what company? Is this about the best deal I will be able to get?

The 6% loan is not so bad. Have you tried Sallie Mae? I got a rate less than 5% with them, but it was about 3 yrs ago.

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Student Loan Consolidation Rate In Federal And Private Conso

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There are significant differences between the federal and private student loan consolidations. Federal consolidations have fixed interest rates and the private ones usually have variable rates.

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please help me summarize this ASAP!its an article?

Crisis marks out a new geopolitical order
By Philip Stephens

Published: October 9 2008 19:32 | Last updated: October 9 2008 19:32

Blame greedy bankers. Blame Alan Greenspan’s careless stewardship of the US Federal Reserve. Blame feckless homeowners who took out loans they could never expect to repay. Blame politicians and regulators everywhere for closing their eyes to the approaching tempest.

EDITOR’S CHOICE
Comment on this column - Jun-23More from this columnist - Aug-23All of the above are culpable. I am sure there are even more villains lurking out there. Sometimes, though, it is worth looking through the other end of the telescope. The wreckage of the financial system holds up a mirror to the changing geopolitical balance. It offers advice, and a warning, as to what the west should make of the emerging global order.

Until quite recently, the talk was about the humbling of America’s laisser faire capitalism. The US government’s $700bn bail-out was the price to be paid for past hubris. For reasons that still elude me, one or two European politicians seemed to delight in the troubles of an ally that still guarantees their security.

Schadenfreude comes before a fall. Solid, conservative Germany has been among the European nations forced to shore up its banks. Angela Merkel, the chancellor, has been driven to assure German voters publicly that their savings are safe.

Belgium and the Netherlands have rescued Fortis. Ireland and Greece have issued blanket guarantees to bank depositors. Others have done something similar. Most dramatically, Gordon Brown’s British government has part-nationalised all of its leading banks in a desperate bid to crack the ice of the credit freeze.

If the toxic mortgage securities and opaque credit swaps that infected the world’s financial system came with a made-in-the-US stamp, European banks were eager buyers. For the humbling of America, we should substitute the humbling of the west.

Asia, as we have seen in the markets this week, is not immune from the shocks and stresses. Japan, which has only quite recently emerged from the long twilight of its 1990s banking collapse, has now been hit anew by the global storm. China felt compelled this week to follow western central banks in cutting interest rates. So did a host of smaller Asian countries. Recession in the US and Europe will slow the growth of Asia’s rising economies.

Standing back, though, two things mark out this crisis as unique. First, is its sheer ferocity. I am not sure how useful it is to make comparisons with the 1930s. History never travels in a straight line. What is evident is that governments and central banks have had no previous experience of coping with shocks and stresses of the intensity and ubiquity we have seen during the past year.

The second difference is one of geography. For the first time, the epicentre has been in the west. Viewed from Washington, London or Paris, financial crises used to be things that happened to someone else – to Latin America, to Asia, to Russia.

The shock waves would sometimes lap at western shores, usually in the form of demands that the rich nations rescue their own imprudent banks. But these crises drew a line between north and south, between the industrialised and developing world. Emerging nations got into a mess; the west told them sternly what they must do to get out of it.

The instructions came in the form of the aptly-named Washington consensus: the painful prescriptions, including market liberalisation and fiscal consolidation, imposed as the price of financial support from the International Monetary Fund.

This time the crisis started on Wall Street, triggered by the steep decline in US house prices. The emerging nations have been the victims rather than the culprit. And the reason for this reversal of roles? They had supped enough of the west’s medicine.

A decade ago, after the crisis of 1997-98 wrought devastation on some of its most vibrant economies, Asia said never again. There would be no more going cap in hand when the going got rough. To avoid the IMF’s ruinous rules, governments would build their own defences against adversity by accumulating reserves of foreign currency.

Those reserves – more than $4,000bn-worth at the present count – financed credit in the US and Europe. There were other sources of liquidity, of course, notably the Fed and the reserves accumulated by energy producers. It also took financial chicanery to turn reckless mortgage lending in to triple A rated securities. But as a Chinese official told my FT colleague David Pilling the other day: “America drowned itself in Asian liquidity.”

Owning up to the geopolitical implications will be as painful for the rich nations as paying the domestic price for the profligacy. The erosion of the west’s moral authority that began with the Iraq war has been greatly accelerated. The west’s debtors cannot any longer expect their creditors to listen t

You’re probably supposed to summarize this to show you understand it. Thus, us doing it will not HELP you (this is a HELP site).

Here’s how to do a good summary.

First, skim over the article to get the gist of it .. in this case it’s about responsibility for the current financial crisis.

Now, read each paragraph slowly, looking up words you don’t understand (www.dictionary.com can help). Make a note of the main idea.

Put your notes in order, add an introduction and conclusion and VIOLA! you’ve written your summary!

P.S. The whole article isn’t here

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I have $7K in credit card debt how do i get a consolidation loan ??

About $7K in credit card debt. my credit score is very poor around 450. I cannot get approved for a consolidation loan, i dont own a home to take out a 2nd, im living pay check to pay check. I really wanna consolidate with loan. please help, how do i get the loan to consolidate if my credit is so horrible i cant get approved?? Anyone know of any places?? i dont qualify for cash call cause you have to be 21 and im only 20…someone?? anyone??

Your Best Tool for Debt Reduction

If you want to get rid of the huge piles of credit card debts and dues, the first step is to look for the right debt consolidation program for credit card debt. It is always a great idea to ask for debt consolidation quotes from various companies offering debt help and choose the one you think is the best for you. When you choose to avail a free debt consolidation help, you also get the valuable services of professionals who are experts in offering credit card debt consolidation with a good program for becoming debt free and overall financial management.

The Credit card debt consolidation program also enables you to repay credit card debt in small, convenient and affordable monthly payments. You can even have an extended duration of up to six years to ease your financial burden. You can opt for debt management help in numerous fashions. It is not necessary to opt for an expensive process. Rather you can select a debt help plan that costs a little or even free. Bad credit debt consolidation is also becoming increasingly accepted today as a natural response to the high level of debt. Read more about it at: http://www.credit-card-gallery.com/article/191,Credit_Card_Debt_Consolidation_Program_The_Safest_Way_To_Erase_All_Your_Debts

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Where can I find a personal debt consolidation loan for people with bad credit?

I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails always seem to be yahoo. Any info will help. I fell on hard times and am now able to pay my monthly bills but I cant seem to catch up what I fell behind on. PLEASE help asap. I have a 5yr old and I do not want him to suffer us loosing our home or car.

Debt consolidation is an option, and you should look into it. Just be careful about WHAT you're getting into. Some plans, because of their higher APR rates get you into more trouble than you were.

Also, some lenders look poorly upon it later on. Some institutions believe that it really is a black mark. It will depend upon the types of deals that your particular company or lender work out, and of course, your own individual circumstance. For some with absolutely NO way out, debt consolidation is a welcome option.

Take a good hard look at all the options and plans offered, and don't let a single company pressure you into something you just can't do. Make sure that you're comfortable with the plan offered before you commit to it.

In any case, it doesn't hurt to investigate debt consolidation as an option. It doesn't cost you anything to find out more information about it.

If you want a place to start your investigating, there's information and listings for debt consolidation providers on the page listed below. You'll probably find something of use there:

http://axalda.info/debt-consolidation.html

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Can anyone recommend a good Student Loan Consolidation company?

I owe about $8000 dollars in student loans from various companies and I would like to consolidate into one monthly payment. Any suggestions?

Are these student loans that you owe Federal Student Loans or Private Student Loans?

Since your loan amount is so minimal I would contact your current lender to explore your options. Or better yet you could contact the Department of Education and inquire about a Federal Student Loan Consolidation with them.

The one main concern with your Federal Student Loans would be the minimum amount in order to consolidate which is $7,500; since you are so close to this amount you may want to contact your current lender to get your exact loan amounts. For more information regarding the FFELP Consolidation Loan Program please see the source below. Hope this helps you out!

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Is student loan consolidation a scam and should one do it soon before rates go up?

I am hearing that rates are going up considerably on student loans and that everyone should consolidate to lock in a lower rate. I am not sure though, because I get to deduct the interest on that loan every tax year and my rate is currently under 5%.

You should consolidate, since rates will be going up to 7% or higher. The interest is deductible, but you're still paying more with higher interest rates. Say you're in the 25% tax bracket, and have $10,000 in loans. At 5%, you pay $500 in interest. The tax deduction on the interest comes out to $125, so you've paid $375. At 7%, you pay $700 in interest, the tax deduction is $175, you've paid $525. The worse the interest rate gets, the more (net) you'll have to pay.

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Consolidation Loan For Bad Credit

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Cheap Debt Consolidation Loan Helps You Leave Those Debts Behind

Debt consolidation is the most convenient way of erasing your debts. It comes as a blessing in disguise when you are surrounded by too many debts. You can take the help of services such as credit counseling, budget planning, debt consolidation plans etc. All these measures will help you consolidate your debt but, with time. A cheap debt consolidation loan will be an ideal option if you want to end your debts faster and better.

Cheap debt consolidation loans are loans at low interest rates specially meant for consolidation of your existing debts. These loans can be taken either by letting your property or valuable asset to the lender or in a form of an unsecured loan. Taking a secured cheap consolidation loan will get you better rates and longer repayment periods. An unsecured form of loan ensures you competitive rates with quicker approval for the loan without letting any security. You can borrow amounts around Pounds 5000 to Pounds 75000 for secured loan and up to Pounds 25000 for an unsecured consolidation loan.

Few points which you can take care of while going for a cheap debt consolidation loan
– What alternatives are available for you to minimize the loan amount to be borrowed? – What are the interest rates and APR? Whether APR is variable or fixed? – How much the loan will cost you? – Monthly installments which you have to repay? – What will happen if you miss a payment or if you want to repay or refinance early? – If the loan is secured on your home, the consequences of not keeping up with the payments?

You can search for a cheap secured debt consolidation loan through online loan websites. These websites offers you free loan quotes to compare with help of online comparison tools. Applying for a cheap consolidation loan will serve you with the following benefits:
– Single monthly payment instead of too many repayments installments. – End of threatening calls from your creditors and lenders. – Low rate of interest saves money – Can help in proving credit score. – No upfront cost – Online option saves lot of time and energy as you don’t have to visit lenders personally.

Lastly you can apply by filling an application form with the requisite details such as your name, address and contact information, residential status, loan amount required, employment status, credit score. You will easily get the approval once the lender process your loan request after getting satisfies from your details. We can say that, a cheap debt consolidation loan is a key which can open the doors of happiness for you.

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Credit Card Debt Consolidation Program - Get Control Over Plastic Related Debts

If you see no positive solution to get out of your debt trap related to credit card spending, you might be overlooking a credit card debt consolidation program. Since interest rates of credit cards are likely to be much higher than regular loans, these types of debts get piled up higher and sooner than other loans.

If plastic money is not meticulously used, then users may end up paying higher dollar bills than the amount that was actually spent. If you find yourself trapped in a similar situation, discover your way out through effective program to consolidate all your loan and dues in one simple loan or card.

Leverage Credit Card Debts To Reduce With Debt Consolidation
People with higher credit card debts generally have a poor credit history. This makes them ineligible to get a loan approval. Even if they get a loan, it is at a higher rate because such loans are considered high risk lending.

However, you should not lose heart because many companies offer bad credit debt consolidation programs to help you get rid of harassing collection call and steep delayed payment and other charges because of credit card dues. When you take a bad credit loan to consolidate credit card debt, you not only ease the debt burden but also improve your credit rating.

A consolidation program to combine dues from multiple credit cards into one convenient loan is an extremely effective tool in alleviating the pressure of never ending losses that you are incurring every month and still getting no reprieve from the total amount showing as outstanding.

The companies that offer loans and or cards for consolidation charge much lower rate of interest that the existing loans and dues and you save substantially on interest payments and charges. Moreover, since these loans for the purpose of consolidating debt are long term, you have to pay an affordable monthly repayment. Thus a credit card debt consolidation plan is all set to help you take a sigh of relief, ease your debt burden and eventually become debt free.

Before you use a program for consolidating plastic money related dues, make sure you have carefully chosen your company. Some companies charge you for their services even before seeing your papers and debt structure. Experts consider these companies a sham.

However, not all operators are unscrupulous and you can easily find a genuine debt consolidation company that can help you to take control of the situation and get out of the debt trap. Such genuine companies begin with seeing your papers, current debt status, then, assess your debt situation to offer you an appropriate program which might consist of a debt consolidation loan, counseling, financial management or a combination of all.

The companies would offer you a free online debt consolidation quote and then after assessing your case, they talk and negotiate with your creditors to relieve you from taking harassing calls from creditors. These companies hire representatives and managers to negotiate minimum payments, interests, late fees and penalties with your creditors. These companies might succeed to get some discount on the total amount due.

Numerous companies are operating in the market providing such free and efficient services. Conduct research on these companies and select a good card debt consolidation program that can deliver visible results in a satisfactory manner, have efficient customer support services, at offer you the most competitive rates.

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Federal Student Loan Consolidation in 2007

Actually, student loan consolidation is so much in demand that more and more companies offer rate of interest reductions, for instance, 1% off if all your monthly payments are made on time for at least two years. This is why you need to research all the offers carefully before your student loan consolidation. A wise choice could end up saving you thousands of dollars.

Student loan consolidation offers many advantages, first of all, the restructured repayment plan means that you owe money to only one lender and you return them in only one lower monthly payment. The special offers for reduced interest rates mean that you could get a rate of interest as low as 8%, which can save you a lot of money. Also, since there is very little credit check, no charges or fees and no collateral or co-signers needed it is very easy to consolidate your student loans, whether private or federal.

Tuition fees for higher education are astronomical these days, and to make sure you are financially able to attend college you need to get a student loan. The next advisable step is to consolidate your loan using federal student loan consolidation. There are several different types of student loans available to you that will ease the burden of paying for your college education. But, as important as it is to get the financial means that you need, you also have to keep in mind that the loan will have to be repaid eventually.

Federal student loan consolidation helps you consolidate all the different kinds of federal student loans that you may have acquired, into a single loan. And this is just the first of many advantages. Because the interest rates for federal student loans are set by the federal government, you are guaranteed that they are kept low, somewhere in the vicinity of 8%. With federal student loan consolidation they can even be reduced, thus ensuring you lower monthly payments. Also, the rates are fixed therefore they are not subject to change for the duration of the loan, making it easier and faster to repay.

You can actually save a lot of money while repaying a loan by consolidating your federal student loans. There are rules of course, and these advantages are only available as long as you make the payments on time and respect the deadline that has been agreed upon. If there is an increase in the time you need to repay the loan, the overall sum you end up paying is much larger than the sum you initially owed.
How to consolidate your federal student loans

Using federal student loan consolidation you can build up all your federal student loans into just one loan with a single lender and a single schedule of repayment. The advantages do not stop here, as there are no charges, prepayment penalties or fees required after the consolidation of your loans. Also, the consolidation of loans can be made by you personally or by your parents, and it does not require the presence of any co-signers.

Through the federal student loan consolidation program all your debts are acquired by a commercial lender. At this point your account balance with the credit bureaus is zero, and all your debts are rolled into just one debt that you owe to a single commercial lender. All you have to do is sign a new promissory note that contains the details of your current rate of interest and repayment plan, and your federal student loans are consolidated. However, in order to qualify for this consolidation you must be able to prove that you made at least three full and on time monthly payments.

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I've heard of student loan forgiveness programs. Are there any credit card forgiveness programs out there?

My husband and I are literally drowning in debt. There's no way we can file bankruptcy or do any of that consolidation stuff. He has a federal job and would pretty much lose his job immediately. We have found relief from his student loans by filling out a form and getting his payments cut in half for a year. Are there any sort of programs in existence that will help out with credit card debt? We have Discover, Chase, Citi, and Bank of America accounts. We have already cut up the cards and do not plan on using them ever again. We tried to get a loan to consolidate the debt into one payment and our credit isn't good enough to do that either. Any suggestions?
Yes, my husband has to maintain a very high security clearance. This is why he can't let his credit go bad.

in my opinion you can contact the company or the bank you two borrow the money and freeze the accounts in that way they will give you chance to pay small amount of loan every month for example: ( you pay £150.00 per month they will reduced too £60.00 per month.) and your interest will not arise this is before or the last step of bankruptcy. try it is worth it . there is nothing who willing to help without their own interest. the best is to talk to one of financial adviser from were you got the loan.
good luck to you two.

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If I get a consolidation loan will it help or hinder me getting a home loan for a first time buyer?

We have poor credit and trying to repair it; however we want to purchase a home by the end of the year. Will it adversely affect my chances of getting a home loan if we take out a consolidation loan to kick start the credit pay offs?
So if I can not get a loan, how do I pay off $7000 of dept in less than one year?

You probably will not qualify at the end of the year unless you pay off all your debts in full. Can you even qualify for a consolidation loan? Doubtful and PLEASE do not respond to these idiot SPAMMERS who come here just to sucker people in trouble, such as yourself, into givinging money up front for anything!

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Is there are good consolidation loan for people with bad credit?

I have several small laons, and I would like a debt consolidation loan, but I have bad credit and no collateral. Can anyone recommend a service or program?

Generally, these loans require collateral that can be either your home or some costly property. But sometimes, you can get these loans as an unsecured personal loan. But they charge high interest rates.

When going for a debt consolidation loan, you should consider some important factors. They are: cost of taking the loan, the annual percentage rate (APR), period of the loan, and the total amount borrowed. Ensure that the debt consolidation loan charges a lower interest rate than the rate for your current loans. Interest rates are usually decided by factors like loan amount, loan terms, and personal details.

If the repayment period of debt consolidation loan is longer, you can end up paying a lot more in interest. This makes it vital to compare the interest rates and repayment periods of various lenders. Debt consolidation calculators offered by various financial organizations can be used to achieve the same.

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Does anyone else get sick of loan consolidation companies calling them all the time???

school loan consolidation companies that is

Put yourself on the Federal No Call List and the one in your state if available. It will pretty much put an end to the unsolicited phone calls.

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What questions do I need to ask to get the best rates and terms on a Federal Student Loan consolidation?

Interest rates (Sallie Mae) will most likely be going up on July 1. I have received many, many offers in the mail to consolidate my school loans (these are similar to credit card offers). I do want to lock in at a fixed lower rate before rates increase. Currently, rates vary from 2.75% to 4.75%. What do I need to know to not get screwed? Are some companies more reputable than others? How would I find out? Are there hidden fees to be worried about? I graduate this June.

First, I need to clarify a few misconceptions in your question:

1) Interest rates on Federal Stafford Loans change EVERY July. They are set by the Federal government based on the 91-Day Treasury Bill. This July, they *will* be going up — but his is true for all lenders, not just Sallie Mae.

2) Rates don't "vary from 2.75% to 4.75%." The current rate on all Stafford Loans for all students currently in school (or for students in their grace or deferment periods) is 4.7%. In other words, the Stafford Loan that you got as a Freshman is at 4.7%, the loan you got this year is at 4.7%… and that kid sitting next to you in Bio? His Stafford Loan is at 4.7% too (even if he borrowed with Citibank).

NOTE: the student who graduated last year and consolidated last June probably has a different rate than you. This is because he consolidated before the 4.7% took effect on July 1, 2005. It's too late to get the rate he got, so take any advice he gives with a grain of salt.

OK, so, the reason that you are hearing about those OTHER rates (as low as 2.7%) is because there are *tons* of companies competing for your business, so they are all are offering additional benefits (rate reductions, principal balance reductions, etc.) to students who consolidate with them. For your own sake, be cautious. There are a lot of disreputable lenders out there. In fact, the lender that offered you that rock-bottom interest rate is probably the least reputable of all. The really great, reliable lenders don't have to sell their souls to get your business. The best way to find out if a lender is reputable is to ask your Financial Aid Office — they know which companies are good and which aren't (and they often have solid working relationships with the lenders' representatives).

For your reference, Sallie Mae is the #1 Consolidation lender (i.e they do the most business). Citibank is a distant #2. These companies are on top because they rarely (if ever) sell your loans, they offer good customer service, they are technologically advanced, and they've been in "the business" for ages. For a list of other consolidation leaders, try this link: http://www.finaid.org/loans/biglenders.phtml ("consolidation" is kind of toward the bottom of the page). Most of these are reputable. Any of the top 6 would be good.

There are a few other things you might want to consider:

First, you need to make absolutely sure that you're getting a "Federal Consolidation Loan." Some companies have their own, sketchy version of consolidation that has nothing to do with the federal gov't. Basically, they take your nice, safe Stafford Loans and turn them into private loans with questionable terms. If you don't get a Federal Consolidation Loan, then you won't be entitled to any of the protection or benefits of the Federal Student Loan program. To protect yourself, make sure the application you complete says "Federal Consolidation Loan" at the top like this one: http://www.salliemae.com/apply/borrowing/pdf/SMARTLOAN_consol_app.pdf

Second, I know that "borrower benefits" are attractive — and I fully support getting the best ones for my students. But make sure that you're weighing the monetary benefits with the qualitative benefits. When you consolidate, you're committing to a very long relationship with a single company. That company that offered you 2.7%… Ask yourself: have you ever heard of them? Do you know anyone who has used them successfully? Are you sure that you want the 3% rate loan with the no-name company? Or would you rather have the 3.5% rate loan with a lender you know and trust. It's up to you to decide, but before you do, make sure you know how much your overall payments would really change with that half-percent reduction. Try a "loan repayment calculator" like this one: http://www.finaid.org/calculators/loanpayments.phtml

Third, by all means, look into the companies with the really great-sounding benefits. Make sure you've read the "fine print": ask them how you earn the benefit, when it takes effect, and how you can potentially lose it. A lot of [good] lenders offer "principal reductions," but it's important to note that these reductions often don't take place right away and if you don't make ALL your payments on time, you may become ineligible. NOTE: this is a very good reason to set up auto-debit (so you never miss a payment).

Fourth, there are NEVER any fees to consolidate. If you're working with a company that has fees, RUN — it's a telltale sign that they are one of the "bad" companies.

Finally, yes, these consolidation offers are very similar to credit card offers… except this is a much bigger decision. Unlike with credit cards, you can't just "drop" your consolidation lender. It's becoming near-impossible to reconsolidate, so make sure that you pick someone you trust. (Consider going with the lender you have now, since your school probably helped you pick them, right?)

EDIT: sunshine_today is sort of correct in telling you to be wary of most of the offers that you receive in the mail. However, you will also receive legitimate mail from your lender that you should not ignore. With a *true* Federal Consolidation Loan, there are no "teaser rates" — there are benefits that you either do or do not qualify for. Nor are there any variable rate Federal Consolidation Loans — Federal Consolidation Loans are FIXED RATE loans. Period. (That's the whole point of consolidating!)

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Can you consolidate debt through well known banks while being paid under the table?

My GF’s credit score is not that bad, around 500-600, and we’re looking to consolidate her loans, lots of bad gucci and coach bag purses from 10 years ago that are still there. Paying interest only just guarantees you to pay for the rest of your life. We went to bank of america debt consolidation, but it asks for employment information. She is paid under the table and makes 1,000 a month. Can this be told to the loan agency, and if so….will they even consider it since she is being paid under the table? Or should she put employed, and put 1,000 a month since they might not check or confirm her work history on a personal loan? i need some loan experts please. Thanks.
Ok. so if banks wont consider her and help her with a score of 500-600, then which route should we go in? Credit Counseling Services? That ruins your credit obviously, and they might not even be able to help much. I can be a co-signer, for a bank of america loan, but god forbid we break up, then I'm stuck with that loan….which could be a problem.

You can tell this to a potential creditor, but they will probably not consider it. Due to the sub-prime driven credit crisis, lenders are no longer doing stated income loans for mortgages which will likely apply to any line of credit. You will need to provide proof of employment and proof of income.

Good Luck

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Where can I get financial consultation or advice on student loans, consolidation, credit scores and mortgages?

I am a graduate student nearing graduation and have a heafty student loan around 160k. In addition, my credit score is poor because of a few missed payments. I would like to talk with someone who can give me unbiased advice on how to tackle my student loans as well as provide insight on possibly buying a house, consolidating my debt and raising my credit score.

These question haunt many of us and if you can get it together and get over this in the short of it let us all know!

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I have horrible credit and I am trying to find a bad credit consolidation loan? Anyone have any ideas?

If you have a bad credit history still the loan market place is full of lenders who are ever willing to offer you a fresh loan. But you should be meeting some conditions laid down by the lenders. Loans for bad credit people are in fact easier to get then they were ever before, thanks mainly to cut-throat competition amongst the lenders. Lenders are giving loans to the bad credit people who have late payments, payment defaults, arrears, county court judgments or any credit problems. These loans are available for any purpose like home improvements, purchasing a new or used car of your choice, for wedding and holiday tour, debt consolidation or for paying child’s tuition fees.

Every lender in approving loans surely likes to see if the bad credit borrower has sufficient capacity to repay the loan in timely manner. If the borrower earns well, has regular bank balance, has been an employee for some years and has a convincing loan repayment plan in place, then the lenders do not usually hesitate much. So ensure that you have adequate repaying capacity before applying for a loan. Also, you should first check your credit report for any errors. If your credit score is too low then you would be charged a very high rate of interest. So it is advisable to first pay off some easy debts to improved credit score and then you should apply for loan at better rates.

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What is the best student loan consolidation company?

Recently, I consolidated my student loans (undergrad, grad school loans). After I received the final break down, it appears that I will be paying double over the 25 year pay back period even with a 6% interest rate. This is ludicrous and certainly NOT what the agreement stated. I need to find a better company with better rates and soon.

Any suggestions - help!!! This company is really not the best and I plan to change soon. Send links and your advice on how they have helped you!

When you consolidate your loans and extend the repayment period to 25 yrs (instead of the standard 10 yrs on federal loans) this increases the total amount of interest you pay over the life of the loan. Credit cards and other loans work the same way. Remember, the monthly payment is just the *minimum* you need to pay. Paying more than that each month will reduce the total interest you pay on the loan.

You federal loans can't be "reconsolidated" unless you have a new (unconsolidated) loan to add to the amount.

Sallie Mae is the largest lender and consolidator of student loans and they offer a lot of great info on their site, including an FAQ and a calculator so you can see what your payments will be.
student loan consolidation information:

http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/student_loan_consolidation.htm

reconsolidating student loans: http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/reconsolidate.htm

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is there a website where I can find competitive rates on student loan consolidation?

one with interest rate reduction?

Here are some great tips on how to consolidate student loans.One good thing about government loans is that the interest rates are fixed when consolidating them, and so rest assured that the rates that the lending company will charge you are within the boundaries of the law. Albeit there is already a ceiling on the interest rates when consolidating government loans, it is always to your advantage if you will shop around for those with really low interest rates.

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Grace period of loan repayment means you are done with college and earn a degree but the part of repayment, you just have not started. The grace period is usually from the graduation day to 6 months after and is usually regarded as an excellent time to which you acquire college student loan consolidation.

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