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45 Responses to “Suze Orman’s Debt Consolidation Tips”
WesternUnionHack.blogspot.com
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I’m a Mortgage Banker with a FSB (Federal Savings Bank). If anyone has any questions you call me direct 917-620-8805 Vince. I’m licensed in all fifty states. Feel free to call me anytime, and I will give you a free consultation. New purchases, we use FHA (Federal Housing Authority) only 3.5% down needed. Re-financing a home? Interest rates are @ a 60 year low. Good Luck =)
@ACreditcard4u It’s true, I can vouch for acreditcard. I rang this number and went through to customer service, but got a machine. If you want to speak to someone direct from the staff, you can call 888-924-1703
Suze just said don’t use debt sett. Co., you can do it on your own. But u still got all these dumb mother fuckers posting their links and phone numbers in the comments
Call 866-999-3596 for free info to get 70% off your credit card debt
I can show you how she is wrong about alot of her info. If you have $10,000
you will pay only $3,000 total If you owe over $10,000 on one card you still will only pay
$3,000 call for your free info Today 866 999 3596
Decent advice….
DB companies suck for the most part.. You are better off calling collectors yourself and getting a deal and having them remove that baddie from your cr completely.But it does require a whole lot of follow up to make sure they keep their word and not hose you once you settle.
I was struggling with this, but my friend recommended a company that did all the leg work for him, and all they charged me was $40/year.
B.S! DO NOT BELIEVE THIS! Do not use CCCS! THEY WILL HURT YOUR FICA SCORE! I KNOW FROM PAST EXPERIENCE WITH THE CCCS OF PHEONIX, AZ! I found out that if you have cccs on your record you are looked at as a bad credit risk and your score goes way down! You cannot get good car or mortgage loans and you have to fight to bring up your score again!
B.S! DO NOT BELIEVE THIS! Do not use CCCS! THEY WILL HURT YOUR FICA SCORE! I KNOW FROM PAST EXPERIENCE WITH THE CCCS OF PHEONIX, AZ! I found out that if you have cccs on your record you are looked at as a bad creditor and your score goes way down! You cannot get good car or mortgage loans and you have to fight to bring up your score again!
DO NOt go THRU THE CCCS to have them help you get out of financial debt! they WILL ONLY HURT YOUR SCORES! I know this from past experience with them! I went that rout and did every thing the required. I cept getting late fees on my cards. I argued with cccs as to why this was and they said not to worry it was nothing. My Credit score bottomed out while I was utilizing the cccs also! I could not get a mortgage or a car loan. The cccs is in for themselves - not the consumer!
Debt consolidation is a good idea to help reduce debt. There are other ways to do this such with getting out of debt plans from Suze orman, dave ramsey, and david bach.
Good info, someone also mentioned a site Canada-debt-consolidation.ca Canadian’s and having debt problems, with just 1 phone call can eliminate your debt by up to 60%, it’s true, see for yourself.
Good info, someone also mentioned a site Canada-debt-consolidation.ca Canadian’s and having debt problems, with just 1 phone call can eliminate your debt by up to 60%, it’s true, see for yourself.
Good items to think about. I am a CPA with 20 years of experience helping individuals, small companies and large Fortune 500 entities create financial plans uniquely designed for each situation. Email me to schedule a free consultation. mycpaservice (@) yahoo (.) com
@debtcc I think one has to be very very careful with debt in general - I think the point is really to avoid high interest rate credit card debt and to lower interest rates wherever possible. Everything else is very situation-specific as I am sure you know. It is a mindset as much as anything and if it is possible to lower rates without taking other risks or other negative side-effects then a def. good idea.
When getting a consolidation loan, it must be remembered that you must borrow only how much you can afford to pay back. A low interest rate may be difficult to find but it isn’t impossible. Do you think borrowing against an asset would be a good idea when you already have so many debts to repay - that you’re gonna risk losing the asset even?
Sigh…..
Borrowing against your home to pay your unsecured and credit card debts = FAIL. Period. This was understood as common knowledge until just recently, when the banks then sucked the equity out of everyone’s homes while bankrupting them in a million other ways. By 2011, they estimate more than half of mortgage owners will be upside down on their mortgages, meaning they owe more than the property is worth.
If you still owe money on your house. The argument is dont pay it off because you can write off the interest. Consider this:
If you make 100,000/year in salary at 25% thats 25,000 dollars. If you pay 10,000/year in interest on a mortgage and deduct it from your taxable income. Thats 90,000 on 22,500 in tax. It reduces your taxes by 2,500/year. Would you send a bank 10,000 to not send the government 2,500? If you didnt like having your house paid off, you could always get a loan.
Why would you want to get out of debt? Why did you get in debt in the first place? Ask yourself these questions. If you have no intention of destroying your credit cards after you consolidate the debt, then why bother? If youre not going to change the person in the mirror, then why would your risk your house? Dont do it. Cut spending and pay off your debts smallest to largest. Never pay a credit card before you pay your house, food, lights and transportation cost.
you skirted around the issue, not in a bad way, but you never said, “refinance your house to include all your credit card debts, car loans, childrens school” i would have like a solid example.
Thanks for the great words on the principles behind lending. The higher the risk, the higher the required rate of return! In real estate loans, the higher the LTV, the higher the rate of return required by the lender. Debt consolidation can be a great thing under the right circumstances. Here’s link to a video that talks about how the baning and credit card industries operate. Check it out… /watch?v=0bGjYAL2Jds
January 22nd, 2012 at 12:04 am
WesternUnionHack.blogspot.com
We perform secure WU transfers at affordable rates as well as sell verified PayPal with high Balance + Email Access, the latest WU Pro Transfer Auto Steal Script 2012 and Facebook advertising credits/coupon codes ! Visit us now to find out more !
==> Satisfaction guaranteed !
==> We accept LR, WU, PayPal payments
==> We also provide Liberty Reserve and PayPal currency exchanges. Western Union accepted for LR exchange. Check with us !
January 22nd, 2012 at 12:07 am
I agree eldrama1, hell why bother.
January 22nd, 2012 at 12:53 am
I’m a Mortgage Banker with a FSB (Federal Savings Bank). If anyone has any questions you call me direct 917-620-8805 Vince. I’m licensed in all fifty states. Feel free to call me anytime, and I will give you a free consultation. New purchases, we use FHA (Federal Housing Authority) only 3.5% down needed. Re-financing a home? Interest rates are @ a 60 year low. Good Luck =)
January 22nd, 2012 at 1:32 am
@eldrama1 Because the cc will take you to court if you don’t pay.
January 22nd, 2012 at 1:58 am
@ACreditcard4u It’s true, I can vouch for acreditcard. I rang this number and went through to customer service, but got a machine. If you want to speak to someone direct from the staff, you can call 888-924-1703
January 22nd, 2012 at 2:05 am
So many people fall into credit card debt because when you are spending it’s like you are not spending real money.
January 22nd, 2012 at 2:57 am
Suze just said don’t use debt sett. Co., you can do it on your own. But u still got all these dumb mother fuckers posting their links and phone numbers in the comments
January 22nd, 2012 at 3:27 am
This video is awesome with full description & tips on how to settle up with credit card
January 22nd, 2012 at 4:25 am
Debt Consolidation Loans
debtconsolidation-loanadvice.blogspot.com/
January 22nd, 2012 at 5:05 am
for some more tips to stay out of debt go to, debtfreeguidejp.blogspot.com
January 22nd, 2012 at 6:01 am
i did this on my own…im debt free…I love Suze
January 22nd, 2012 at 6:18 am
Call 866-999-3596 for free info to get 70% off your credit card debt
I can show you how she is wrong about alot of her info. If you have $10,000
you will pay only $3,000 total If you owe over $10,000 on one card you still will only pay
$3,000 call for your free info Today 866 999 3596
January 22nd, 2012 at 6:29 am
Decent advice….
DB companies suck for the most part.. You are better off calling collectors yourself and getting a deal and having them remove that baddie from your cr completely.But it does require a whole lot of follow up to make sure they keep their word and not hose you once you settle.
I was struggling with this, but my friend recommended a company that did all the leg work for him, and all they charged me was $40/year.
Give them a call, They are AWESOME
Telephone:
877-826-0587
January 22nd, 2012 at 7:18 am
DSCs are horrid even if CCCS is bad, whatever. DSCs are shite!
January 22nd, 2012 at 7:18 am
@eldrama1 I TOTALLY AGREE WITH YOU
January 22nd, 2012 at 7:41 am
1) no upfront fees
2) no hidden charges
3) Canadians settle for a fraction of what you owe
4) Don’t do it on your own, let a professional do it so you get it done right, the first time
Learn the facts now: Canadadebtconsolidationnow (.)com
January 22nd, 2012 at 8:21 am
@watchtheskies amen
January 22nd, 2012 at 8:42 am
@zayl01 people who dont pay their bills mite need to be talked to like a 5yr old.
January 22nd, 2012 at 8:50 am
@eldrama1 because you said you would. Our word is everything.
January 22nd, 2012 at 9:09 am
i am not 5 years old, talk to me like a grown up bitch.
January 22nd, 2012 at 9:59 am
B.S! DO NOT BELIEVE THIS! Do not use CCCS! THEY WILL HURT YOUR FICA SCORE! I KNOW FROM PAST EXPERIENCE WITH THE CCCS OF PHEONIX, AZ! I found out that if you have cccs on your record you are looked at as a bad credit risk and your score goes way down! You cannot get good car or mortgage loans and you have to fight to bring up your score again!
January 22nd, 2012 at 10:33 am
B.S! DO NOT BELIEVE THIS! Do not use CCCS! THEY WILL HURT YOUR FICA SCORE! I KNOW FROM PAST EXPERIENCE WITH THE CCCS OF PHEONIX, AZ! I found out that if you have cccs on your record you are looked at as a bad creditor and your score goes way down! You cannot get good car or mortgage loans and you have to fight to bring up your score again!
January 22nd, 2012 at 11:31 am
DO NOt go THRU THE CCCS to have them help you get out of financial debt! they WILL ONLY HURT YOUR SCORES! I know this from past experience with them! I went that rout and did every thing the required. I cept getting late fees on my cards. I argued with cccs as to why this was and they said not to worry it was nothing. My Credit score bottomed out while I was utilizing the cccs also! I could not get a mortgage or a car loan. The cccs is in for themselves - not the consumer!
January 22nd, 2012 at 11:34 am
the only debt worth having is student debt and a mortgage, any other debt is just plain stupid
why is it that most Americans would look at $5,000 in savings as a deposit on a $25,000 car when they really should buy a bargain $5,000 used car?,
I just don’t get it, if you borrow money then you should be made to pay it back in full whatever it takes
if you want to be happy, then work hard to pay off your student & mortgage debt as soon as you can, and don’t buy useless crap in the mean time
January 22nd, 2012 at 12:05 pm
the best way to settle a debt is to pay what you owe,
or you can use Suze’s strategy and shirk your responsibility for the money that you spent which was not yours
but hey this is America right, the land of no responsibility
January 22nd, 2012 at 12:39 pm
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January 22nd, 2012 at 1:34 pm
very clear
January 22nd, 2012 at 2:30 pm
Nice and descriptive video.
January 22nd, 2012 at 2:51 pm
Debt consolidation is a good idea to help reduce debt. There are other ways to do this such with getting out of debt plans from Suze orman, dave ramsey, and david bach.
January 22nd, 2012 at 3:12 pm
Good info, someone also mentioned a site Canada-debt-consolidation.ca Canadian’s and having debt problems, with just 1 phone call can eliminate your debt by up to 60%, it’s true, see for yourself.
January 22nd, 2012 at 3:59 pm
Good info, someone also mentioned a site Canada-debt-consolidation.ca Canadian’s and having debt problems, with just 1 phone call can eliminate your debt by up to 60%, it’s true, see for yourself.
January 22nd, 2012 at 4:58 pm
People should know how much they can afford and they can’t by doing a financial check up of their own or consult a financial consultant.
January 22nd, 2012 at 5:00 pm
Good items to think about. I am a CPA with 20 years of experience helping individuals, small companies and large Fortune 500 entities create financial plans uniquely designed for each situation. Email me to schedule a free consultation. mycpaservice (@) yahoo (.) com
January 22nd, 2012 at 5:38 pm
Search some naughty women online mworld5.info
January 22nd, 2012 at 6:10 pm
Cool video!!! Lot’s of learning thanks !!! Hey see my videos
January 22nd, 2012 at 6:13 pm
@debtcc I think one has to be very very careful with debt in general - I think the point is really to avoid high interest rate credit card debt and to lower interest rates wherever possible. Everything else is very situation-specific as I am sure you know. It is a mindset as much as anything and if it is possible to lower rates without taking other risks or other negative side-effects then a def. good idea.
January 22nd, 2012 at 6:35 pm
When getting a consolidation loan, it must be remembered that you must borrow only how much you can afford to pay back. A low interest rate may be difficult to find but it isn’t impossible. Do you think borrowing against an asset would be a good idea when you already have so many debts to repay - that you’re gonna risk losing the asset even?
January 22nd, 2012 at 6:54 pm
Due to the recession, credit card companies are now offering bail-out programs. To see if you qualify, visit us at debt-freesolutions.blogspot.com
January 22nd, 2012 at 7:21 pm
canadadebtconsolidationnow(.)com I noticed offers 7 more ways to immediately get out of debt for Canadians
January 22nd, 2012 at 8:02 pm
Sigh…..
Borrowing against your home to pay your unsecured and credit card debts = FAIL. Period. This was understood as common knowledge until just recently, when the banks then sucked the equity out of everyone’s homes while bankrupting them in a million other ways. By 2011, they estimate more than half of mortgage owners will be upside down on their mortgages, meaning they owe more than the property is worth.
January 22nd, 2012 at 8:42 pm
If you still owe money on your house. The argument is dont pay it off because you can write off the interest. Consider this:
If you make 100,000/year in salary at 25% thats 25,000 dollars. If you pay 10,000/year in interest on a mortgage and deduct it from your taxable income. Thats 90,000 on 22,500 in tax. It reduces your taxes by 2,500/year. Would you send a bank 10,000 to not send the government 2,500? If you didnt like having your house paid off, you could always get a loan.
January 22nd, 2012 at 9:07 pm
Why would you want to get out of debt? Why did you get in debt in the first place? Ask yourself these questions. If you have no intention of destroying your credit cards after you consolidate the debt, then why bother? If youre not going to change the person in the mirror, then why would your risk your house? Dont do it. Cut spending and pay off your debts smallest to largest. Never pay a credit card before you pay your house, food, lights and transportation cost.
January 22nd, 2012 at 9:15 pm
you skirted around the issue, not in a bad way, but you never said, “refinance your house to include all your credit card debts, car loans, childrens school” i would have like a solid example.
January 22nd, 2012 at 9:16 pm
Thanks for the great words on the principles behind lending. The higher the risk, the higher the required rate of return! In real estate loans, the higher the LTV, the higher the rate of return required by the lender. Debt consolidation can be a great thing under the right circumstances. Here’s link to a video that talks about how the baning and credit card industries operate. Check it out… /watch?v=0bGjYAL2Jds
January 22nd, 2012 at 10:12 pm
Many thanks