Qualifying for a home loan is a process of credit checking, comparing assets and analyzing equity, as a bank will not approve a mortgage that is more than 40 percent of an individual’s monthly inco…
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http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
Calculating a home equity loan requires knowing the interest rate of the loan, the term and amount. Formulate a home equity line of credit payment schedule, which differs from a home equity loan, w…
Calculating a home equity loan requires knowing the interest rate of the loan, the term and amount. Formulate a home equity line of credit payment schedule, which differs from a home equity loan, w…
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
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I have approx. 40K between 4 credit cards that I had before I was married. These credit cards are in my name only, not my husband’s. I have always paid my debts on time and have never been late until the past few months. I am now past due 30-60 days and now owe late fees and over the limit fees and can’t even afford the minimum payments any longer. I have been basically sticking my head in the sand about my financial situation for almost 2 years and borrowing from Peter to pay Paul.
My husband and I jointly have a home loan with a balance of 92K and a home equity loan with a balance of 30K. Our home is worth about 120K so we have no equity. We are current and have never been late on our mortgage loans. We live in Indiana.
My husband has a car loan in his name only. It is current and have never been paid late.
My husband has 2 credit cards with a balance of 11K. These are current and have never been paid late.
I now only work part-time making approx. $300-400 gross per month. I am trying to also substitute teach to make more money.
My husband works full-time and this is how we afford to make our mortgage payment, car payments and his credit card payments on time. We are trying our best to make certain his credit stays good.
My husband has a credit score above 680. I believe mine was 640 until the last few months – now I am sure mine is terrible due to my lack of payments.
I am looking for advice. I have tried to negotiate with my credit card companies and offered to send as much as I can until I can find a higher paying job/more hours. However, they are not agreeing to this and won’t stop the fees/high interest rates from accumulating. I almost feel like it is pointless to send anything because my balance just gets higher after sending a payment.
I definitely want to pay my obligations. I have looked into credit counseling but until I have more income, I can’t afford to make the kind of payments that is required. One counselor suggested that I file bankruptcy individually but I don’t know if that is a real option since I am married. My husband’s credit is perfect and I don’t want to risk his credit.
If I can/should file bankruptcy as my only option, can I still pay back my debt – just on my own terms that I can afford?
If I don’t pay my credit cards, what will happen? Can they take my house or affect my husband’s credit? If they sue me, will the court allow me to make payments that I can afford?
I know this is a lot of information and questions. I truly appreciate your help!!! The stress of this is killing me. I am so tired of worrying.
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
http://www.CrushingTheCredi… — What You Don’t Know About Credit Repair and Credit Scores Can Hurt You. If You Are Using A Home Equity Line of Credit (HELOC) Incorrectly, You Could Be Lowering Yo…
