I need financial, debt and student loan advice (or where to find how to get advice)? related questions

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I need financial, debt and student loan advice (or where to find how to get advice)?0Edric2012-10-11 00:51:13
This is long and complicated and I'm sorry, but I am in desperate need of help because I'm so overwhelmed. MedlinePlus MedlinePlus I graduated from a public school in December over 80K in private and government student loans (It was so loud because where I went to school, the cost of living is very high and for most of the time I could not get donations). In January, I moved to another state with my husband to find work. We had enough money to last out there for about 5 or 6 months with the hope that this gives us enough time to find jobs. Through circumstances beyond our control we ended our last two months can not pay any of our bills for not having a job despite not being picky about where you applied and spend every day for completing applications and presentation resumes. We had to move back to the state where our families live and are now living with my husband's parents as we try to pay our debt, fix our credit and even save some money. MedlinePlus MedlinePlus Under normal circumstances, I am very good with the accounts. I set alarms to remind me to pay and I had no problems until it became financially unstable. Suddenly we are on the verge of becoming homeless due and all kinds of things ... especially since my student loan deferments are upstairs. I sent paperwork to try to obtain indulgences for loan delinquency (private I have leans across three different places, and government loans through 2 because my original loan instead committed a government loan seconds to a different place. Difficult , I know). Now they are all saying "We never received any documentation", but I have proof it was sent, or tell me "These documents are not valid because the law changed and we need to submit new documents." Documents sent three months ago! Why are you telling me this RIGHT NOW? Ugh. MedlinePlus MedlinePlus So originally going to file papers saying they have no income or job. But a stroke of luck brought me a job. The pay is not what it should be, but my debt stacking and the fact that it is a job to do something I love, I took it. My husband, however, is still struggling terribly with the job search. And now I do not know what to do with our debt and my student loans and how to fix our problems and bring us back to the path of financial stability. MedlinePlus MedlinePlus I have the 80k (total between 7 different accounts ...) in student loans that are behind. I have an outstanding debt to a utility ($ 200), ISP ($ 200) and the rate of transfer of contract of the apartment they had rented ($ 760), the credit card debt that is 2 months late ($ 2,500) and a personal loan that I had to take to fix my car damaged ($ 3,500). As of now, we have no monthly bill, except a bill auto insurance that comes in the third week of September and we have to be able to pay about $ 100 to $ 125 per month on gas. I only make about $ 1,600 before taxes and since I live in CA I will have a lot of taxes taken out of it. Because I have so many bills to deal with, I feel totally overwhelmed and have no idea where to start or what to do. My first paycheck is coming and I pay a lower debt with the majority. But again, overwhelmed and do not know what to do. Any help I magic. Thank you!
Debt Financial Advice Please!?0deepti2012-09-05 15:44:05
Looking for a company that will give me a debt consolidation loan of about
How do i get out of debt? i need financial advice. ?0spirit732012-11-02 09:01:31
i lost my job and i've been out of work for 6 months, all i could get was a part time minimum wage job in retail. i am in debt of about 15k, out of the 15k debt, 3k is the student loan and 8k of it is credit card at 23% interest! i don't make enough which is the frustrating part and im in too much debt for the only $400 a month pay i get each month! i can't pay the current minimum on what i owe and i even had to move into my parents home to save on rent. i feel really depressed and the credit card company is calling every hour! can they do that legally? i need free financial advice, i don't know what to do, please help me, i've been thinking i have to do something debt consolidation, or something? what are my options? any financial advice is greatly appreciated, thank you!
Financial advice, debt help, please.?0Jameisha2012-09-23 06:01:02
OK So here I go , MedlinePlus MedlinePlus I have two loans , a financial settlement , a credit card and store cards to a few , as well as some outstanding bills , let's break it down: - MedlinePlus LOAN 1 =
Financial Advice - transfering debt from UK to Oz?0tahj2012-09-20 12:24:02
I currently live in the UK and has an unsecured medium / large . MedlinePlus MedlinePlus I want to go home in December .... order and wonder how best payday loan / credit cards, etc MedlinePlus Could I just disappear from the face of the earth for a few months? MedlinePlus MedlinePlus Would you do this affect my credit rating in Australia MedlinePlus MedlinePlus If brankruptcy filed in the UK , it affects me in Oz . MedlinePlus MedlinePlus If I can get a decent job right away , how I can transfer money to pay debts? MedlinePlus MedlinePlus Lots of questions - hope someone has some first hand experience or is a financial advisory MedlinePlus guru ! MedlinePlus Thanks for your time
Financial advice for those NOT in debt? I have a credit score of 920 but keep getting refused for a loan?0mariama2012-10-04 09:46:44
I have a credit score of 920 , have no debt to a credit card , which currently uses 48% of my available credit and more than half of my monthly income is mine to do what I want , but I am unable to get a small loan
Who would I see for general financial and debt repayment advice?0Amherst2012-10-08 12:04:30
I just graduated college and soon I have to pay my student loans . I want to look at consolidation, but do not know if it's a good option and how to further consolidate . I want to know my options . I also want advice on investments in education in the future as I will continue with my education . Besides that , I just want general financial advice about managing my property , being a recent college graduate with a temporary job . MedlinePlus MedlinePlus Who would do that? What is your title ? What should I look in the yellow pages ?
Help need financial advice about loans and paying off debt to buy a house...?0Halalisanio2012-11-03 17:56:03
My husband and I are trying to buy a house and are currently facing a bit of a dilemma. I have a credit rating halfway decent (650) and my husband has a very poor rating (580). We are currently trying to buy a house and if you just use my credit to get approved, but not on a large enough loan. I have student loan payments, a car payment, and credit card payments. Gano $ 15.00 and I pay almost $ 700 a month in my debt up. Therefore, I will only approve a mortgage of $ 70,000. If we could add my income husbands (who makes $ 17.50 per hour) to be able to get a bigger loan, but unfortunately can not be added because of your credit score and all your debt. He owes some money to the old hospital bills and a loan of construction materials was a guarantee on. We've been doing these small monthly payments, but it will take a while before it was worth it. The loan officer told us that if we paid 3 or $ 4,000 in debt, then you may be able to use both our revenue and get approved for a loan .... Either that or pay some of my debts so my debt ratio is lower. Anyway, I had an idea, but I wonder if it is wise or not. I thought maybe I could get a personal loan of $ 10,000 and use $ 3,000 to pay her credit, $ 5,000 to pay what I owe on my car, and have a further $ 2,000 for a down payment. I thought if I did that my husband could add to the loan application and by paying my car I'm basically releasing a debt and I'll have another personal loan debt. Any advice would be greatly appreciated! We really want to buy a house soon and I can not imagine any other way to pay my debt as fast husbands.
Need financial advice: I'm in debt 120,000 dollars, I will soon be making 65-70K a yr b/4 taxes.?0yuna2012-10-13 06:34:41
Should I pay off my student loans as quickly as possible to avoid interest , or make minimum payments and capital trying to save as much as possible over the next 3-5 years w / the plan to start my own business ? MedlinePlus I do not want to go into the details of the company , but I wonder if you think that would be better in five years be either: MedlinePlus broke and debt free O MedlinePlus In debt for the same amount of money to start a business , of course w / the help of another loan , but w / the hope of higher incomes .
Financial advice needed desperately! I owe too much money/debt!?1SaladBowl Head2012-11-05 06:54:02
I have 47,000 in student loan debt ! More than half of which are private student loans . MedlinePlus MedlinePlus I have no car . I pay my parents $ 400/mo use your toyota 2006 ( b / c my dad does not work ) to get to work . Just doing as $ 2000/month after taxes. MedlinePlus MedlinePlus What should I do ? I feel like I need a car of my own b / c I think my dad wants his car back . But I have all these loans to pay back! I also live with my parents and commute to work like 2 hours and has a lot of gas too ...
Where can i seek for Free Financial advice concerning, Mortgage/Debt. Are there any 1-800's/ non profit agency?1pateyn2012-10-06 06:15:02
Help , my parents are in trouble and need help with our mortgage and other debts . I'm doing this for my parents , because they do not speak English . They can not afford to pay for the house , and would like to consolidate loans / lines of credit / credit ... Is there a nonprofit company that can help us for some tips . MedlinePlus MedlinePlus Thanks in advance
I have myself in a bad financial bind, i need advice or a miracle. i owe student loan around $20,0009 (which i?1Help immediately!!!!!2012-08-29 23:00:17
i owe a private student loan 7000 U.S. which i cant dollar to get a forbearance that are making them pay me now or i go into default, i owe a hospital bill of $ 2,500, which has been turned over to a collection agency , i need tax fedral about $ 6,500 which fortunately are allowing to pay $ 50.00 a month, but im not getting any were quick with, and i found out tht day i owe the state tax of $ 900 if i have to pay in full with in 60 days unless it is over a thousand. Im als0 need to move out of the wre im at, but it looks like im stuck. i cant keep them at bay much longer and i, m worried about them garnishing my paychecks. I now make decent money, but i cant pay all these and be able to live ..... i cant file bancruptcy in the IRS or student loans. if they garnish my paycheck i am TOTALLY SCREWED! ! ! ! ! ! ! i have to be able to live im trying to find a job for which i went to school for, but havnt had much luck.plus my car was broke down i damn sure cant fix it and pay they. Does anyone have any advice of what i can do? ? ? ? ? ? ? i have to be able to live ..... I've worked a job, low paying and have been in a slump for years i finally find a better job making better money and can be on my feet if i did not have all these to pay .. So now you see im still in my slump i dont know what to do there's a solution became cuz i can not keep going on Like this. oh on the student loan i owe $ 20,000 on i have a forbearence for until September theres no way i could even make payments on these debts and be able to live or get on my feet. THIS IS ALL ridiculous! ! ! ! ! ! !

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