Personal Debt-Information On Average Personal Debt, Personal Debt Consolidation Loan, Personal Debt Consolidation

Recession Free P asked:


I close escrow at the end of May and am curious how and when I get the tax credit? Is it in lump sum form considering I’ve already paid any debt to my State and Federal taxes?

Dante Droesch

asked:


I currently live with my daughter and cosigned on a 2nd mortgage to help her with some bills. 5 years later, it is time for me to leave and buy a place on my own. Will the 2nd mortgage count against my personal debt to income ratio?

Tamica Digian

Chad S asked:


i want to quit claim some propertys to lower my debt to income ratio will it work,or how can it work?

Elin Prock

Luvinmylife2 asked:


I bought my house and paid off for it before I got married. I want to use some of the equity in it to pay off personal debt. Does my husband have to co-sign on this loan? If so, will it now give him some ownership of my house?

Amanda Wen

SANDRA P asked:


No will. No personal debt left behind.
Dont want to go through the expense of an attorney. Got to be a simple way.

Stephen Granillo

Stephen C asked:


My credit score is about 605. I have several credit cards with balances near the limits (about $45k), but no other credit problems. My wife’s credit score is about 640, with little debt, but some delinquent accounts from a few years ago. If my wife got a personal loan for, say, half of my credit card debt, how long would it be before my credit score went up, and how much would it be likely to go up? We want to buy a house soon (next month or two); would it be better to apply for a mortgage now on my wife’s credit, or try to get my credit score up?
Montly income (gross): $7300
My wife’s delinquent accounts are paid, they’re just still on her credit report. All of her recent accounts are up-to-date.

Tanja Frances

Tink asked:


Is it possible in our current market? If so, can it be in one loan? Say the home is purchased for $120k, can the buyer ask for another $20k for personal debt? Does this have to be done with a home equity loan?

Shad Kilker

melody71081 asked:


My fiance declared bankruptcy about 4 years ago, and I have had been enrolled in a credit counseling service to pay off personal debt (I will be finished paying it off this year). Both of our credit scores are slightly under 670. We want to start looking for a home in about a year, and will be able to put down about 20%, but we are concerned about getting approved for a mortgage. Anyone who can share any knowledge about this would be appreciated!

Kiyoko Hollister

misterio 10 asked:


i forgot to mention that the personal loan is for a debt consolidation

Rodney Pettipas

NC GUY asked:


besides local bank
approx 10,000 and im not a home owner yet
with bad credit

Bart Janowiec