Monthly Archives: September 2009

Anyone know any good way to get a decent debt consolidation loan?

I want to get a debt consolidation loan, WITHOUT using my home equity, but they are telling me my credit score is great, but by ratio is too high. Well, I want to consolidate all the CC debt I have, but it's running me in circles. What's the point of trying to get ...

Continue Reading »

What is the best way to reduce credit card debt?

The absolute best way is to buy a house or take out a Home Equity Line of Credit if you already have a house. I know this sounds crazy, but it works. When you buy a house and the value of that house goes up, you can borrow against that house and ...

Continue Reading »

Does it matter if you’ve recently used your credit card when filing for bankruptcy?

I'm am going to be filing for bankruptcy soon but I really need to get a uniform for my job and I want to use one of my credit cards that I still have room on to buy it. I was wondering if it matters if one of my cards was recently used when filing?

Continue Reading »

Bankruptcy filed. How come another collection agency is trying to collect on account in BK?

We filed BK March 30th 2009. Capital One referred/sold our debt to NCO to collect. NCO & Capital One were notified of filing April 2nd-this verified by attorney back in April. NCO kept calling way into May and then stopped. Attorney told us to ignore the calls which I did. ...

Continue Reading »

Is it possible to get a new home load while in Chapter 13 Bankruptcy?

I have been in Chapter 13 Bankruptcy for 2 years and it will be discharged in 1 more year. Is it possible to get a $25,000 - $30,000 home loan? If so how and with which lenders? Actually the court can approve that you can get a loan. The only reason it was filed is bc ...

Continue Reading »