Should I buy some land cash...or pay of my debt that I owe. I look at it as if i buy land nobody can take that from me...if i pay my credotor than i am broke right back where i started...dont own any property of my pwn right now...credit sucks...what should i do??
200051
pay off your debt and start rebuilding your credit.  it might take awhile but it'll be worth it.
70200
Call the original lender as soon as possible and set up a payment plan. If the loan is in default and with a collection agency, then you need to call the collection agency and set up reasonable payments with them. Do something as soon as possible. Making payments is better that not making payments. If you do not make payment arrangements there will be consequences that will affect your personal credit. Plus, if it is a government loan, if payment arrangements are not made, the government will garnish your wages, take your income tax, etc, and the delinquency will be on your credit history, preventing you from getting a home loan if you don't already own a home. I speak from personal experience.
113904
You don't have to own property to have a state tax lien. Basically what it means is he has unpaid state income taxes that are past due.  The state will put a "lien" on you which means they can take any federal tax return money you may get, or "attach" any property or income you have coming in the future until the past due taxes have been paid.  They can actually go and attach or garnish your wages until it's paid off too. Since you are his wife, they can garnish your wages too.  Employers tend to get upset with this stuff and in some states can even fire you for it.  I would contact your state tax collection people (you can look in the phone book under "(your state name)_______ State Income Tax")and find out exactly how much you owe.  Usually you can make an arrangement with them to pay it off in payments. As long as it's outstanding, you are getting hit with penalties and interest too, which can turn a relatively small amount into a HUGE debt in a very short time.   Trying to get anything on credit will be next to impossible also with that on your credit report.  The sooner you take care of it, the better!
589301
Call my friend Gary Coleman over at 800 Cash Call.  He'll put $10,000.00 in your checking account in less than 24 hours.  Payments???  About $200.00 a month.  Even you could afford that!  Make the call, get the cash.... tell the credit card people to take a hike, you have money!
59687
My best advice would be to start by opening a new credit line.  Paying your bills on time and saving as much as you can.  Credit can be a bummer when it comes to buying a home.  Good luck!
3302
The bank would much prefer you to make your payments compared to taking on a property.  Talk to them.  A lot of times they can work out a deal.
211308
If you are a home owner, you can get a "Home Equity" line of credit through your financial insitute against the equity you have in your home. Maybe they can incorporate your mtg payment and the other into one! Or You can also apply for a credit card that will let you transfer debt and get cash money. Pay off everything and have your one payment!!
655686
Consider all your credti cards and add all your credit lines.\n\nLet's asume you have 5 credit card with $1000.00 credit lines.\n\nYou have a total credit of $5,000.00\n\nYou have to keep your current debt at $2,500.00 or lower AT ALL TIMES.\n\nIf your debt is higher than 50% of your credit then you are in trouble.\n\nTop 3 Answerer in Business & Finance. (Vote for me)
298199
You can purchase a mobile home from a company like Palm Harbor Homes and they will get you financed for a land home package with no money down.  I am buying one and yes your family will have plenty of room.  You can get a three bedroom for about 60000, and I dont know how much land you want  or where you live but you can do it.  My problem is getting financed for land by itself they always want 25% down any suggestions?
388176
If the land you are buying is low in value, you are better off working with a small local bank. Major lenders don't like to deal with small loan ammounts, especially on land. Local banks generally know what's going on in the area and would be more willing to work with you. If you are buying a site from a developer, they may have a preferred lender. Ask them about it. Sometimes a preferred lender may give different incetives.
293523
What to consider ... DON'T DO IT!  You don't need a credit card.  It will only get you in trouble by allowing you to spend more than you make.  If you can't pay for it with cash now, how do you plan to pay for it when the bill comes in?  And if you don't pay the balance in full, they'll charge you interest, so the item you bought just cost you even more!  In fact, if you ONLY pay the minimum payment, it can take 40 YEARS to pay it off!\n\nOpen a checking account (assuming you have a job) and get a check card.  It's like a credit card (has the Visa or MC logo), but it takes the money straight out of your account so you CAN'T overspend.\n\nIf you only use cash to buy stuff and keep building your savings, you'll be SOOOOO much better off than 99% of your peers with credit card and auto loan debt.  Use cash for everything (except a house).  Don't even buy a car on credit - they depreciate too quickly.\n\nIf I had heeded this kind of advice when I was younger, I would have avoided SOOOO much trouble and wasted money in interest and fees.  As it is, I'm now debt-free (except the house) and LOVE that my money is my money, not some credit card company's or the banks'.\n\nDon't worry about your credit score - worry about your savings balance.  If you have a large amount in savings ($10,000-$20,000) when you go to get a home loan, the lender can SEE that you manage your money well, regardless of your credit score.
565592
yes I do that type of loan, How is your credit score? Can you prove your income (W2 etc)?What is the buy back price?Please email me the answer and I will tell what you can get. Johng@oldmerchants.com
382811
If possible pay more than the min due.  If you pay the min due it will be like that forever and you will pay tons in finance charges.  To you have any assets you can use?  if you have a  house take out a line of equity on your house to pay off your bills.  your payments wont go up much for 4,000.  this will help your credit to clear all those credit cards.
554230
Its totally up to the both of you mike,renting a place IS dead money,you are correct,its a fact--a mortgage though is a millstone around the neck--another fact,so really,you're fecked if you do,you're fecked if you dont,fecked if i know the answer to that one!!Then you have the patter of tiny feet to consider in the future,and everyone knows how costly those little feckers are...very!! Wish you all the best in whatever you decide mike,i know its not easy-decisions,decisions,decisions:-/
23403
If you have the cash and available credit, buy one home with the cash and put your availble credit towards a rental property, which will eventually pay for itself. Just a thought. :)
640619
First rule ... never ever borrow to pay debts ... if you do, the debt simply stays a debt but for more money and with unacceptable interest rates.\n\nSecondly, seek advice from someone that doesn't charge a fee for their advice, it is simply not necessary. Go to your local Citizens Advice Bureau and if they cannot help directly, they will put you in touch with an organisation that can do so for free.\n\nThirdly, take the whole matter seriously and whoever you find to help and advise you, follow their advice and cooperate to the letter. \n\nAnd finally, don't think it will go away, especially if you own a property. Creditors will always find a way to secure their debt. Act responsibly!
445327
Do you have credit card debt?  Please explain what you mean by debt's into loans (do you mean like payday loans) just to claify, this often means different things to different people? and what are the monthly bills? \n\n First, cut all "luxuries" down to the bone, cable, cellphones, internet, eating out, grande latte's, etc..If you have two cars, can you get by with just one? If so, sell the other. Sell anything that will help to pay off your debt.  Once your out of debt, you can always replace what you sell..but this time paying all in cash.\n\nIf you have credit cards, call the company and explain to them what is going on, emphasize your desire to pay the debt, and see if you can work out a better payment arrangment...most will be willing to...if not, look into a  debt consolidation company.  \n\nI need to know more about your situation before I could give you anymore advice.  Do NOT touch the equity in your home.  Here is  a site that I found helpful...http://www.crown.org/  E-mail me if you want to talk more indepth about your situation..