Question:
getting help with over due bills.I would like to get money to help pay off all my loans and have one payment.?
1970-01-01 00:00:00 UTC
getting help with over due bills.I would like to get money to help pay off all my loans and have one payment.?
Seventeen answers:
buccaneerbyron
2006-04-14 11:28:39 UTC
You can't borrow your way out of debt but you can go to an organization like Consumer Credit Counseling and they can combine all your bills into one payment. You send your payment to them and the divide it among your creditors. They can usually stop interest from accruing and this is the real plus because you can pay things off quicker.
jlc
2006-04-17 19:46:35 UTC
Try a local credit union for a loan. However, I would suggest getting help from a planner/counselor to get out of debt. Good luck
belizeigram
2006-04-17 16:01:16 UTC
Try the Credit Union , they usually have more sympathy on us who want to clean up.
2006-04-17 12:36:17 UTC
This is who I called several years ago. Now I am debt free!! Cambridge Credit Counseling Corp. They are awesome. No more phone calls!! It's not like a government grant at all. You make one monthly payment IF you qualify. Look them up and give them a call!! Good luck!! Some advice: gather ALL of the bills that you want to combine in advance. Have a fax available.
visionviadali
2006-04-16 23:45:46 UTC
If you are in a position where you can't pay your bills back, the federal bankruptcy law can either consolidate your bills into one small payment (often that is much lower than what you would have to pay back, if you were to pay back in full) or it can completely remove them. If you owe more than you make in a year, it may be an option you want to consider.
2006-04-16 18:10:56 UTC
if you are a woman become a hooker
appletech089
2006-04-16 16:54:36 UTC
Move to S. California. Copy your bills and send it to 102.7 KIIS-FM. Listen to your name and if your name is called, you call them and they pay your bills. Limited time only.



http://www.kiisfm.com/pages/promotions.html?feed=106612&article=320027
2006-04-14 21:53:40 UTC
genus credit management.com they are great they help me get out of debt and it really did work. they cut your payments in half and they call your creditors,great people.
imisidro
2006-04-14 18:28:33 UTC
You can consolidate your loans, or adopt strategies to get your personal finances in order. But forget about grants.



It is hard to find grants for purposes such as paying off loans. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business or personal purposes.



Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.



Even if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for your type of purpose.



Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program



Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs



For private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online. It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices."



http://www.cfda.gov

http://www.grants.gov

http://gtionline.fdncenter.org

http://www.powerhomebiz.com/vol66/grants.htm

http://www.sba.gov/expanding/grants.html
2006-04-14 11:18:02 UTC
if ,you are 20 years or older go on deal or no deal.
musicimprovedme
2006-04-14 12:03:06 UTC
Boy can I relate. Sounds like the most obvious answer, a home equity loan, is not the one for you. You would have to be paying for or paid for your home. If you could get this type of loan, you would ask for enough to pay off your bills including your mortgage, then use the money to pay off your other debts and keep the mortgage going. You would have to watch the interest rate so you don't refinance for a higher rate.



If you can't do that...here is something you can try.



Gather all your bills including loans, household, and projected incidentals, and break them down: debts and ongoing expenses. For your debts, make two lists.



One would be in order of balance due, low to high, and the other in order of interest rate, high to low. You might also check bills that are especially nagging you and need to be picked off. Note beside each creditor if there is a minimum payment and whether it is a long term or short term loan.



The second list would be ongoing expenses and is further broken down as FIXED (trash service, insurance premiums, etc) and FLEXIBLE (light bill, groceries and ugh..gas).



OK. So what you do is look at all your bills. Try to make reasonable but the very most frugal of all your flexible expenses. This might be the time to cut off the cable, cancel your newspaper, and watch your phone bill, etc, as well as cutting coupons for food and such. This frees up as much as you can spare for debt. You might consider cutting back on your savings account until your debt is down...no sense money sitting in the bank drawing a little when it could be spent to save you a lot.



Once your ongoing bills are budgeted, you know how much you can apply to debt...it will be a single amount that you can split any number of ways and this is when your lists come in handy. Put your final list of debts in the order of your choosing to get them out of the way in a reasonable manner.



The plan goes into effect by paying minimums on all but the smallest balance, shortest term, or highest interest rate account and picking them off aggressively one at a time. That one gets ALLLLLL the leftover debt money. Personally if it was me, I would start slamming all that money on the smallest balances...picking off smallest bills and clearing up with different creditors, then start addressing higher interest rates. The last debts you pay off will obviously be the ones that you would have for a while anyway...mortgage, student loans, and car payments, etc but after the small bills are paid off, these aren't so hard to pay.
Wise ol' owl
2006-04-17 22:01:31 UTC
Get to the root of the problem so that you won't end up back here again. CHeck our financial peace university. Look at the source I give. It's a thirteen week program that is awesome. This guy really knows what he's talking about. He's not milking people and getting rich on them. Dave Ramsey was a millionaire by the time he was 26, lost it all, and now he's a millionaire again. The best to you.
snuff_director
2006-04-17 21:30:29 UTC
Pay an attorney 500 bucks and file chapter 7. It all goes away and you start over.
2006-04-17 03:42:21 UTC
you could start by selling Ur computer and stop paying for an Internet connection lol
2006-04-18 10:07:45 UTC
you can go to title loan and give them a title to your car if one and then you can get money in a flash.
sweetcatastrophe84
2006-04-14 22:45:06 UTC
go find a credit consolidating place... they are all over the place.. either that file for bankruptcy
2006-04-16 23:15:25 UTC
I did that awhile ago with a company called CITIFINANCIAL. I live in south texas. Maybe there is one around where you live. hope it helps................


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