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	<title>Personal Grants To Pay Off Debts</title>
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		<title>I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I have no credit cards that I can cancel, no accounts that I could close, but my bond, car installments and cost of living like groceries, electricity, etc is killing me and I am really not flashy. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them. I stay in South Africa. Thank you for taking teh time to help me.
It is an income problem, I stated that in the opening line</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-a-commission-earner-and-it-seems-like-my-income-is-going-to-drop-significantly-in-the-next-couple-of-month-because-of-the-recession-what-is-the-best-thing-that-i-can-try-and-do-not-to-loose-my-h</link>
		<comments>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-a-commission-earner-and-it-seems-like-my-income-is-going-to-drop-significantly-in-the-next-couple-of-month-because-of-the-recession-what-is-the-best-thing-that-i-can-try-and-do-not-to-loose-my-h#comments</comments>
		<pubDate>Sat, 02 Jan 2010 20:56:22 +0000</pubDate>
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		<category><![CDATA[Financial Services]]></category>

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12345 asked: 

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Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/so-i-owe-about-12000-in-debt-for-credit-cards-the-accounts-are-in-a-debt-consolation-company-which-im-paying-about-400-a-month-to-clear-the-debt-i-recently-came-into-800000-and-i-want-close-the' rel='bookmark' title='Permanent Link: So I owe about 12000 in debt for credit cards, the accounts are in a debt consolation company which I&#8217;m paying about 400 a month to clear the debt, I recently came into $8000.00 and I want close the accounts and pay them all off. IS there a way I can negioate with the creditors to lower my balances since I&#8217;m paying it off?'>So I owe about 12000 in debt for credit cards, the accounts are in a debt consolation company which I&#8217;m paying about 400 a month to clear the debt, I recently came into $8000.00 and I want close the accounts and pay them all off. IS there a way I can negioate with the creditors to lower my balances since I&#8217;m paying it off?</a> <small> Bobby T asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/the-most-cost-effective-quick-legitimate-way-to-get-out-of-debt' rel='bookmark' title='Permanent Link: The most cost effective, quick, legitimate way to get out of debt?'>The most cost effective, quick, legitimate way to get out of debt?</a> <small> Jonathan H asked: I am 21 years old and...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/about-nine-months-ago-i-lost-my-job-and-have-been-unemployed-anot-have-not-been-able-to-pay-my-credit-card-debts-some-of-my-credit-cards-have-been-charged-off-and-some-are-not-just-recently-i-was-of' rel='bookmark' title='Permanent Link: About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was offered a job and been trying to make as much money to pay some of the credit cards. But with a full time and a part time job I cannot pay some off the credit cards that have balances of $1600. Collection angecies have threaten to take me to court and having said that I think if I consolidate my debt the counseling angency will stop them from taking me to court because I will be making payments to the agency through Credit Counseling. So what is a best option for me? I&#8217;m too deep in debt? I like to consildate by my monthly payments will be $330 each month. I&#8217;m also paying a car payment of $275 each month. That totals about 600 each month; I&#8217;m also trying to be a part time student at a University. What should I do?'>About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was offered a job and been trying to make as much money to pay some of the credit cards. But with a full time and a part time job I cannot pay some off the credit cards that have balances of $1600. Collection angecies have threaten to take me to court and having said that I think if I consolidate my debt the counseling angency will stop them from taking me to court because I will be making payments to the agency through Credit Counseling. So what is a best option for me? I&#8217;m too deep in debt? I like to consildate by my monthly payments will be $330 each month. I&#8217;m also paying a car payment of $275 each month. That totals about 600 each month; I&#8217;m also trying to be a part time student at a University. What should I do?</a> <small> Pinto B asked: Related Blogs Related Blogs on Debt...</small></li></ol>]]></description>
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<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/so-i-owe-about-12000-in-debt-for-credit-cards-the-accounts-are-in-a-debt-consolation-company-which-im-paying-about-400-a-month-to-clear-the-debt-i-recently-came-into-800000-and-i-want-close-the' rel='bookmark' title='Permanent Link: So I owe about 12000 in debt for credit cards, the accounts are in a debt consolation company which I&#8217;m paying about 400 a month to clear the debt, I recently came into $8000.00 and I want close the accounts and pay them all off. IS there a way I can negioate with the creditors to lower my balances since I&#8217;m paying it off?'>So I owe about 12000 in debt for credit cards, the accounts are in a debt consolation company which I&#8217;m paying about 400 a month to clear the debt, I recently came into $8000.00 and I want close the accounts and pay them all off. IS there a way I can negioate with the creditors to lower my balances since I&#8217;m paying it off?</a> <small> Bobby T asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/the-most-cost-effective-quick-legitimate-way-to-get-out-of-debt' rel='bookmark' title='Permanent Link: The most cost effective, quick, legitimate way to get out of debt?'>The most cost effective, quick, legitimate way to get out of debt?</a> <small> Jonathan H asked: I am 21 years old and...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/about-nine-months-ago-i-lost-my-job-and-have-been-unemployed-anot-have-not-been-able-to-pay-my-credit-card-debts-some-of-my-credit-cards-have-been-charged-off-and-some-are-not-just-recently-i-was-of' rel='bookmark' title='Permanent Link: About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was offered a job and been trying to make as much money to pay some of the credit cards. But with a full time and a part time job I cannot pay some off the credit cards that have balances of $1600. Collection angecies have threaten to take me to court and having said that I think if I consolidate my debt the counseling angency will stop them from taking me to court because I will be making payments to the agency through Credit Counseling. So what is a best option for me? I&#8217;m too deep in debt? I like to consildate by my monthly payments will be $330 each month. I&#8217;m also paying a car payment of $275 each month. That totals about 600 each month; I&#8217;m also trying to be a part time student at a University. What should I do?'>About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was offered a job and been trying to make as much money to pay some of the credit cards. But with a full time and a part time job I cannot pay some off the credit cards that have balances of $1600. Collection angecies have threaten to take me to court and having said that I think if I consolidate my debt the counseling angency will stop them from taking me to court because I will be making payments to the agency through Credit Counseling. So what is a best option for me? I&#8217;m too deep in debt? I like to consildate by my monthly payments will be $330 each month. I&#8217;m also paying a car payment of $275 each month. That totals about 600 each month; I&#8217;m also trying to be a part time student at a University. What should I do?</a> <small> Pinto B asked: Related Blogs Related Blogs on Debt...</small></li></ol></p>]]></content:encoded>
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		<title>A question for followers of Christ regarding debt?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/a-question-for-followers-of-christ-regarding-debt</link>
		<comments>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/a-question-for-followers-of-christ-regarding-debt#comments</comments>
		<pubDate>Sat, 02 Jan 2010 20:43:13 +0000</pubDate>
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		<title>I&#039; m 23.swimming in faillissement debt.is de enige manier?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-m-23swimming-in-faillissement-debtis-de-enige-manier</link>
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		<pubDate>Sat, 02 Jan 2010 18:30:47 +0000</pubDate>
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		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[23 Years]]></category>

		<category><![CDATA[Manier]]></category>

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Emily M asked: I&#039; oud m 23 jaar heb ik ongeveer $14.000 in creditcards enz. Ik was in een het adviseren Idebt programma maar geschopt me uit voor een recente betaling op een vakantie maar wat Mijn grootmoeder stierf onlangs en ik heb moeten worden meer van een leverancier voor mijn huishouden zodat het geld [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/zou-ik-uit-mijn-pensioneringsrekening-om-een-creditcardschuld-te-betalen-moeten-munt-slaan' rel='bookmark' title='Permanent Link: Zou ik uit mijn pensioneringsrekening om een creditcardschuld te betalen moeten munt slaan?'>Zou ik uit mijn pensioneringsrekening om een creditcardschuld te betalen moeten munt slaan?</a> <small> jlh91264 asked: Ik ben een verblijfs thuis mamma van...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/persoonlijke-leningen-na-faillissement' rel='bookmark' title='Permanent Link: Persoonlijke Leningen na faillissement?'>Persoonlijke Leningen na faillissement?</a> <small> Chem Help asked: Hello, Laat goed zien. I&#039; m...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/mijn-schuld-is-15000-en-de-kredietscore-is-slecht-is-het-faillissement-of-niet-een-goede-optie' rel='bookmark' title='Permanent Link: Mijn schuld is 15.000 en de kredietscore is slecht. Is het faillissement of niet een goede optie?'>Mijn schuld is 15.000 en de kredietscore is slecht. Is het faillissement of niet een goede optie?</a> <small> georgestr8_1 asked: i&#039; ve die voor ongeveer anderhalf jaar...</small></li></ol>]]></description>
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<div><em><strong>Emily M</strong> asked: </em><br/><br/><br/>I&#039; oud m 23 jaar heb ik ongeveer $14.000 in creditcards  enz. Ik was in een het adviseren Idebt programma maar geschopt me uit voor een recente betaling op een vakantie maar wat  Mijn grootmoeder stierf onlangs en ik heb moeten worden meer van een leverancier voor mijn huishouden zodat het geld neemt ik kon/mijn schulden met zou moeten betalen. I&#039; m enig en in universiteit, en levend met mijn enige vader, hes doend wat kan hij met zijn eigen rekeningen maar voor me heb ik niemand om me te helpen. Crediteuren don&#039; t zorg wat mijn situatie is en ik ken dit maar ik ben zo vermoeid van het kwellen van brieven, telefoongesprekken en dergelijke elke dag .Is het faillissement mijn enige uitweg? Ik ken I can&#039; t betaalt deze rekeningen wanneer spoedig, ik over een jaar van universiteit dan ik zal hebben een betere baan maar lang zou moeten ik dat standhouden heb weggegaan? Ik heb enkel wat raad nodig.<br/><br/></div>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/zou-ik-uit-mijn-pensioneringsrekening-om-een-creditcardschuld-te-betalen-moeten-munt-slaan' rel='bookmark' title='Permanent Link: Zou ik uit mijn pensioneringsrekening om een creditcardschuld te betalen moeten munt slaan?'>Zou ik uit mijn pensioneringsrekening om een creditcardschuld te betalen moeten munt slaan?</a> <small> jlh91264 asked: Ik ben een verblijfs thuis mamma van...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/persoonlijke-leningen-na-faillissement' rel='bookmark' title='Permanent Link: Persoonlijke Leningen na faillissement?'>Persoonlijke Leningen na faillissement?</a> <small> Chem Help asked: Hello, Laat goed zien. I&#039; m...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/mijn-schuld-is-15000-en-de-kredietscore-is-slecht-is-het-faillissement-of-niet-een-goede-optie' rel='bookmark' title='Permanent Link: Mijn schuld is 15.000 en de kredietscore is slecht. Is het faillissement of niet een goede optie?'>Mijn schuld is 15.000 en de kredietscore is slecht. Is het faillissement of niet een goede optie?</a> <small> georgestr8_1 asked: i&#039; ve die voor ongeveer anderhalf jaar...</small></li></ol></p>]]></content:encoded>
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		<title>If one were to be dismissed from their college for poor acadmics, what would be a legitimate appeal?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/if-one-were-to-be-dismissed-from-their-college-for-poor-acadmics-what-would-be-a-legitimate-appeal</link>
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		<pubDate>Sat, 02 Jan 2010 17:38:15 +0000</pubDate>
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		<category><![CDATA[Higher Education (University +)]]></category>

		<category><![CDATA[Admission]]></category>

		<category><![CDATA[Extenuating Circumstances]]></category>

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ThePrizeBlog.com asked: 

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<div><em><strong>ThePrizeBlog.com</strong> asked: </em></p>
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<li><a href="http://www.taxguru.in/income-tax-case-laws/burden-to-prove-the-genuineness-of-the-gift-is-on-the-assessee.html" rel='nofollow'>Burden to prove the genuineness of the gift is on the Assessee <b>&#8230;</b></a></li>
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</ul>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/how-can-cons-blame-liberals-for-the-debt-when-they-controlled-congress-and-the-exec-for-6-years' rel='bookmark' title='Permanent Link: How can cons blame liberals for the debt when they controlled Congress and the Exec for 6 years?'>How can cons blame liberals for the debt when they controlled Congress and the Exec for 6 years?</a> <small> ArgleBargleWoogleBoo asked: Don &#39;t the harness and the BS...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/wilt-u-obama-federale-programmas-onderaan-de-nationale-schuld-te-betalen-te-snijden-beginnen' rel='bookmark' title='Permanent Link: Wilt u Obama federale programma&#8217;s onderaan de nationale schuld te betalen te snijden beginnen?'>Wilt u Obama federale programma&#8217;s onderaan de nationale schuld te betalen te snijden beginnen?</a> <small> WASP asked: Of u eerder de daarna verscheidene generaties...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/how-do-you-tell-or-know-if-a-debt-consolidation-company-is-legitimate' rel='bookmark' title='Permanent Link: How do you tell or know if a debt consolidation company is legitimate?'>How do you tell or know if a debt consolidation company is legitimate?</a> <small> stripeecat asked: For bankruptcy could lose my job if...</small></li></ol></p>]]></content:encoded>
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		<title>Hello. I was with my boyfriend for 7 years, and during that time we lived together and shared all bills and expenses. I always trusted him because he was always very generous and never liked to spend on himself. He went to culinary school a few years ago and because he took out a private loan at that time, we were being gouged on interest. As such, I voluntarily took out a $25,000 home equity loan for a condo that I own, so that we could save about $400 a month on interest. In addition to that, long ago I let him be a signer on my AmEx account and we agreed that his share of my bill is about $10,000 now. I know I sound like an idiot for doing all this with someone who I was not married to, but I was being a bit lavish and irresponsible about money myself and we were enjoying a lot of luxuries based on this arrangement. We had an amicable breakup last month and we had made a preliminary verbal agreement that he will continue letting his paychecks be direct deposited into my bank account, and I will balance transfer one of them to him, and use one to pay down his share of the debt as fast as I can. The problem is, we live in San Francisco and he is having trouble finding a place to stay that is affordable (we had much cheaper rent together under rent control), and I just worry about his ability to pay me every month. I did some math about the cost to repay the debt based on what he can give me ($900 a month) and with interest, it would take up to 7 years to pay it down. I don&#8217;t think he can afford to keep that going with only $900 to live on (including rent) and so even though he has been great and attentive to this issue, its still a problem. We originally tried to get him an unsecured personal loan for the whole $35,000 so that he could just pay me back in one shot, but regrettably, since all the good credit was built up in my name and barely any in his, he was not approved.

We are meeting again on Monday to discuss any other possible options. I really don&#8217;t care about how long it takes to pay me back since interest would be paid by him, I am willing to take a smaller monthly payment just to make this sustainable, but I am concerned that in the future he could turn cold on me and just stop paying, or that he will have a new girlfriend sometime that will balk at the arrangement and encourage him to ***** me over or something.

At this time, he said he will sign whatever document I want in order to show that he owes me this money so I need to know what form that should be and whether we need to have it notarized to be legally binding. In the unfortunate event that he stops being a nice guy before the debt is paid, what would that document do for me? Would I have to go to court and spend thousands on lawyers to get him to pay in steady increments etc? I would **** to have to do that, both emotionally and financially, but I need to see what I am up against. Thanks for reading all this detail, any advice would be appreciated, and please try to refrain from making fun of my stupidity too much!</title>
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		<pubDate>Sat, 02 Jan 2010 10:17:45 +0000</pubDate>
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ritagingersnap asked: 


Related posts:I have a Sep IRA from my old job that I do not and have never paid into that would cover my student loan and most of the rest of my debt.  I&#8217;m in a debt management program, which gives me a decent interest rate on the debt I incurred when [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-have-a-sep-ira-from-my-old-job-that-i-do-not-and-have-never-paid-into-that-would-cover-my-student-loan-and-most-of-the-rest-of-my-debt-im-in-a-debt-management-program-which-gives-me-a-decent-in' rel='bookmark' title='Permanent Link: I have a Sep IRA from my old job that I do not and have never paid into that would cover my student loan and most of the rest of my debt.  I&#8217;m in a debt management program, which gives me a decent interest rate on the debt I incurred when I was not able to work.  But I am left with little/no disposable income &#038; a stinky credit rating.  I&#8217;m scheduled to be done in 4 more years, but I&#8217;d like to have some disposable income &#038; be able to build a little emergency savings while fixing my credit ASAP in prep for buying our 1st home.  Just waiting for hubby to finish his Master&#8217;s and secure a new job in the Fall.

I have a 401k at my new job and I try to make a little money on the side, but don&#8217;t have a lot of time for that with a 3 month &#038;  3 yr old. So, I&#8217;m working extra hard at the 9-5 to target a raise in the Spring.  I just want some peace of mind, to be able to afford a haircut once a quarter and to see the possibility of home-ownership sometime&#8230;

Can anyone suggest a good plan?'>I have a Sep IRA from my old job that I do not and have never paid into that would cover my student loan and most of the rest of my debt.  I&#8217;m in a debt management program, which gives me a decent interest rate on the debt I incurred when I was not able to work.  But I am left with little/no disposable income &#038; a stinky credit rating.  I&#8217;m scheduled to be done in 4 more years, but I&#8217;d like to have some disposable income &#038; be able to build a little emergency savings while fixing my credit ASAP in prep for buying our 1st home.  Just waiting for hubby to finish his Master&#8217;s and secure a new job in the Fall.

I have a 401k at my new job and I try to make a little money on the side, but don&#8217;t have a lot of time for that with a 3 month &#038;  3 yr old. So, I&#8217;m working extra hard at the 9-5 to target a raise in the Spring.  I just want some peace of mind, to be able to afford a haircut once a quarter and to see the possibility of home-ownership sometime&#8230;

Can anyone suggest a good plan?</a> <small> mae asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/we-are-in-serious-debt-and-i-have-no-idea-what-to-do-we-are-now-living-on-credit-which-started-several-years-ago-after-job-losses-medical-issues-etc-until-a-few-years-ago-our-credit-score-was' rel='bookmark' title='Permanent Link: We are in serious debt and I have no idea what to do.  We are now living on credit, which started several years ago after job losses, medical issues, etc.  Until a few years ago, our credit score was in the upper 800s so I still wasn&#8217;t worried.  We are due a fairly large inheritance which would pay off our debt, but it is tied up in court and may be for years.

I don&#8217;t think credit counseling will work because, as I understand it, they help structure your debt so it can be paid off in 5 yrs.  Even with zero percent interest we couldn&#8217;t do that.

I don&#8217;t know anything about filing bankruptcy; specifically, are we able to keep our house and 2 cars so we can work?  I&#8217;m also worried about the 7 yrs. following bankruptcy, but if our inheritance comes through during that time, can we still pay off our creditors in full and erase the bankruptcy?  How do we find a good bankruptcy lawyer?

I really need answers that focus on giving us guidance to get out of our predicament, not about how we got in it (which would make more sense if I was able to share ALL details).  We have always been frugal (buying clothes at Good Will, etc.), so no lectures please.

We haven&#8217;t missed any payments yet (I&#8217;m having to use money from my 401k to manage everything), but our interest rates keep going up.  We need to do something now before our situation gets worse.  Help!
David M, we both work!  How do you think we could manage this long if we didn&#8217;t?!  I was laid off in a corporate buyout after 21 yrs. with my previous employer and took a $10k/yr. pay cut to get a job.  I only make $40k, so that is significant, but I had trouble finding equivalent pay.  (Now I&#8217;m happy just to have a job in this economy.)  I work in the oil services industry and my husband for the airlines.  Neither industry is doing well, so one of us losing our job is a real possibility.

Incidentally, we don&#8217;t have cable and many other luxuries.  We don&#8217;t even have a washer, dryer or dishwasher.  They cost too much in electricity, so we never bothered fixing them when they broke.  Our central A/C went out late summer.  We live in TX, so it will have to be replaced, but we bought 2 window units to get by for now.
Sorry, I noticed a typo above.  Our credit score was in the upper 700s, not 800s (I wish!).'>We are in serious debt and I have no idea what to do.  We are now living on credit, which started several years ago after job losses, medical issues, etc.  Until a few years ago, our credit score was in the upper 800s so I still wasn&#8217;t worried.  We are due a fairly large inheritance which would pay off our debt, but it is tied up in court and may be for years.

I don&#8217;t think credit counseling will work because, as I understand it, they help structure your debt so it can be paid off in 5 yrs.  Even with zero percent interest we couldn&#8217;t do that.

I don&#8217;t know anything about filing bankruptcy; specifically, are we able to keep our house and 2 cars so we can work?  I&#8217;m also worried about the 7 yrs. following bankruptcy, but if our inheritance comes through during that time, can we still pay off our creditors in full and erase the bankruptcy?  How do we find a good bankruptcy lawyer?

I really need answers that focus on giving us guidance to get out of our predicament, not about how we got in it (which would make more sense if I was able to share ALL details).  We have always been frugal (buying clothes at Good Will, etc.), so no lectures please.

We haven&#8217;t missed any payments yet (I&#8217;m having to use money from my 401k to manage everything), but our interest rates keep going up.  We need to do something now before our situation gets worse.  Help!
David M, we both work!  How do you think we could manage this long if we didn&#8217;t?!  I was laid off in a corporate buyout after 21 yrs. with my previous employer and took a $10k/yr. pay cut to get a job.  I only make $40k, so that is significant, but I had trouble finding equivalent pay.  (Now I&#8217;m happy just to have a job in this economy.)  I work in the oil services industry and my husband for the airlines.  Neither industry is doing well, so one of us losing our job is a real possibility.

Incidentally, we don&#8217;t have cable and many other luxuries.  We don&#8217;t even have a washer, dryer or dishwasher.  They cost too much in electricity, so we never bothered fixing them when they broke.  Our central A/C went out late summer.  We live in TX, so it will have to be replaced, but we bought 2 window units to get by for now.
Sorry, I noticed a typo above.  Our credit score was in the upper 700s, not 800s (I wish!).</a> <small> Jan C asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/if-i-was-to-keep-the-current-account-open-and-deposit-random-sums-at-no-paticular-point-of-timeunderstand-the-bank-will-take-the-money-as-payment-for-the-loan-along-with-what-they-will-receive-from-t' rel='bookmark' title='Permanent Link: If I was to keep the current account open and deposit random sums at no paticular point of time,understand the bank will take the money as payment for the loan along with what they will receive from the share from CCS'>If I was to keep the current account open and deposit random sums at no paticular point of time,understand the bank will take the money as payment for the loan along with what they will receive from the share from CCS</a> <small> elangarreg asked: ...</small></li></ol>]]></description>
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<div><em><strong>ritagingersnap</strong> asked: </em><br/><br/><br/><br/><br/></div>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-have-a-sep-ira-from-my-old-job-that-i-do-not-and-have-never-paid-into-that-would-cover-my-student-loan-and-most-of-the-rest-of-my-debt-im-in-a-debt-management-program-which-gives-me-a-decent-in' rel='bookmark' title='Permanent Link: I have a Sep IRA from my old job that I do not and have never paid into that would cover my student loan and most of the rest of my debt.  I&#8217;m in a debt management program, which gives me a decent interest rate on the debt I incurred when I was not able to work.  But I am left with little/no disposable income &#038; a stinky credit rating.  I&#8217;m scheduled to be done in 4 more years, but I&#8217;d like to have some disposable income &#038; be able to build a little emergency savings while fixing my credit ASAP in prep for buying our 1st home.  Just waiting for hubby to finish his Master&#8217;s and secure a new job in the Fall.

I have a 401k at my new job and I try to make a little money on the side, but don&#8217;t have a lot of time for that with a 3 month &#038;  3 yr old. So, I&#8217;m working extra hard at the 9-5 to target a raise in the Spring.  I just want some peace of mind, to be able to afford a haircut once a quarter and to see the possibility of home-ownership sometime&#8230;

Can anyone suggest a good plan?'>I have a Sep IRA from my old job that I do not and have never paid into that would cover my student loan and most of the rest of my debt.  I&#8217;m in a debt management program, which gives me a decent interest rate on the debt I incurred when I was not able to work.  But I am left with little/no disposable income &#038; a stinky credit rating.  I&#8217;m scheduled to be done in 4 more years, but I&#8217;d like to have some disposable income &#038; be able to build a little emergency savings while fixing my credit ASAP in prep for buying our 1st home.  Just waiting for hubby to finish his Master&#8217;s and secure a new job in the Fall.

I have a 401k at my new job and I try to make a little money on the side, but don&#8217;t have a lot of time for that with a 3 month &#038;  3 yr old. So, I&#8217;m working extra hard at the 9-5 to target a raise in the Spring.  I just want some peace of mind, to be able to afford a haircut once a quarter and to see the possibility of home-ownership sometime&#8230;

Can anyone suggest a good plan?</a> <small> mae asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/we-are-in-serious-debt-and-i-have-no-idea-what-to-do-we-are-now-living-on-credit-which-started-several-years-ago-after-job-losses-medical-issues-etc-until-a-few-years-ago-our-credit-score-was' rel='bookmark' title='Permanent Link: We are in serious debt and I have no idea what to do.  We are now living on credit, which started several years ago after job losses, medical issues, etc.  Until a few years ago, our credit score was in the upper 800s so I still wasn&#8217;t worried.  We are due a fairly large inheritance which would pay off our debt, but it is tied up in court and may be for years.

I don&#8217;t think credit counseling will work because, as I understand it, they help structure your debt so it can be paid off in 5 yrs.  Even with zero percent interest we couldn&#8217;t do that.

I don&#8217;t know anything about filing bankruptcy; specifically, are we able to keep our house and 2 cars so we can work?  I&#8217;m also worried about the 7 yrs. following bankruptcy, but if our inheritance comes through during that time, can we still pay off our creditors in full and erase the bankruptcy?  How do we find a good bankruptcy lawyer?

I really need answers that focus on giving us guidance to get out of our predicament, not about how we got in it (which would make more sense if I was able to share ALL details).  We have always been frugal (buying clothes at Good Will, etc.), so no lectures please.

We haven&#8217;t missed any payments yet (I&#8217;m having to use money from my 401k to manage everything), but our interest rates keep going up.  We need to do something now before our situation gets worse.  Help!
David M, we both work!  How do you think we could manage this long if we didn&#8217;t?!  I was laid off in a corporate buyout after 21 yrs. with my previous employer and took a $10k/yr. pay cut to get a job.  I only make $40k, so that is significant, but I had trouble finding equivalent pay.  (Now I&#8217;m happy just to have a job in this economy.)  I work in the oil services industry and my husband for the airlines.  Neither industry is doing well, so one of us losing our job is a real possibility.

Incidentally, we don&#8217;t have cable and many other luxuries.  We don&#8217;t even have a washer, dryer or dishwasher.  They cost too much in electricity, so we never bothered fixing them when they broke.  Our central A/C went out late summer.  We live in TX, so it will have to be replaced, but we bought 2 window units to get by for now.
Sorry, I noticed a typo above.  Our credit score was in the upper 700s, not 800s (I wish!).'>We are in serious debt and I have no idea what to do.  We are now living on credit, which started several years ago after job losses, medical issues, etc.  Until a few years ago, our credit score was in the upper 800s so I still wasn&#8217;t worried.  We are due a fairly large inheritance which would pay off our debt, but it is tied up in court and may be for years.

I don&#8217;t think credit counseling will work because, as I understand it, they help structure your debt so it can be paid off in 5 yrs.  Even with zero percent interest we couldn&#8217;t do that.

I don&#8217;t know anything about filing bankruptcy; specifically, are we able to keep our house and 2 cars so we can work?  I&#8217;m also worried about the 7 yrs. following bankruptcy, but if our inheritance comes through during that time, can we still pay off our creditors in full and erase the bankruptcy?  How do we find a good bankruptcy lawyer?

I really need answers that focus on giving us guidance to get out of our predicament, not about how we got in it (which would make more sense if I was able to share ALL details).  We have always been frugal (buying clothes at Good Will, etc.), so no lectures please.

We haven&#8217;t missed any payments yet (I&#8217;m having to use money from my 401k to manage everything), but our interest rates keep going up.  We need to do something now before our situation gets worse.  Help!
David M, we both work!  How do you think we could manage this long if we didn&#8217;t?!  I was laid off in a corporate buyout after 21 yrs. with my previous employer and took a $10k/yr. pay cut to get a job.  I only make $40k, so that is significant, but I had trouble finding equivalent pay.  (Now I&#8217;m happy just to have a job in this economy.)  I work in the oil services industry and my husband for the airlines.  Neither industry is doing well, so one of us losing our job is a real possibility.

Incidentally, we don&#8217;t have cable and many other luxuries.  We don&#8217;t even have a washer, dryer or dishwasher.  They cost too much in electricity, so we never bothered fixing them when they broke.  Our central A/C went out late summer.  We live in TX, so it will have to be replaced, but we bought 2 window units to get by for now.
Sorry, I noticed a typo above.  Our credit score was in the upper 700s, not 800s (I wish!).</a> <small> Jan C asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/if-i-was-to-keep-the-current-account-open-and-deposit-random-sums-at-no-paticular-point-of-timeunderstand-the-bank-will-take-the-money-as-payment-for-the-loan-along-with-what-they-will-receive-from-t' rel='bookmark' title='Permanent Link: If I was to keep the current account open and deposit random sums at no paticular point of time,understand the bank will take the money as payment for the loan along with what they will receive from the share from CCS'>If I was to keep the current account open and deposit random sums at no paticular point of time,understand the bank will take the money as payment for the loan along with what they will receive from the share from CCS</a> <small> elangarreg asked: ...</small></li></ol></p>]]></content:encoded>
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		<title>Help me with some financial advice on how not to loose everything I&#8217;ve worked for so far?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/help-me-with-some-financial-advice-on-how-not-to-loose-everything-ive-worked-for-so-far</link>
		<comments>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/help-me-with-some-financial-advice-on-how-not-to-loose-everything-ive-worked-for-so-far#comments</comments>
		<pubDate>Sat, 02 Jan 2010 09:20:46 +0000</pubDate>
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		<category><![CDATA[Financial Services]]></category>

		<category><![CDATA[Cancel]]></category>

		<category><![CDATA[Installments]]></category>

		<category><![CDATA[Recession]]></category>

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		<description><![CDATA[12345 asked: I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/need-advice-for-debt-problems' rel='bookmark' title='Permanent Link: need advice for debt problems?'>need advice for debt problems?</a> <small>525 B asked: I’m turning 22 in august. I never...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-a-commission-earner-and-it-seems-like-my-income-is-going-to-drop-significantly-in-the-next-couple-of-month-because-of-the-recession-what-is-the-best-thing-that-i-can-try-and-do-not-to-loose-my-h' rel='bookmark' title='Permanent Link: I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I have no credit cards that I can cancel, no accounts that I could close, but my bond, car installments and cost of living like groceries, electricity, etc is killing me and I am really not flashy. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them. I stay in South Africa. Thank you for taking teh time to help me.
It is an income problem, I stated that in the opening line'>I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I have no credit cards that I can cancel, no accounts that I could close, but my bond, car installments and cost of living like groceries, electricity, etc is killing me and I am really not flashy. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them. I stay in South Africa. Thank you for taking teh time to help me.
It is an income problem, I stated that in the opening line</a> <small> 12345 asked: Related Blogs Related Blogs on Cost Of...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-very-good-with-money-and-always-offer-financial-advice-to-family-and-friends-which-is-useful-and-helpful-after-so-many-years-i-think-i-have-found-my-calling-which-is-offering-financial-advice' rel='bookmark' title='Permanent Link: I am very good with money and always offer financial advice to family and friends which is useful and helpful. After so many years, I think I have found my calling, which is offering financial advice to those who are struggling. However I do not have a qualification in this and would like to know the best way into this type of job? What is the best way to get experience in this role and would it help to study a diploma or degree in this area as well? I already have an accounting degree from years back, so this will be add on study.'>I am very good with money and always offer financial advice to family and friends which is useful and helpful. After so many years, I think I have found my calling, which is offering financial advice to those who are struggling. However I do not have a qualification in this and would like to know the best way into this type of job? What is the best way to get experience in this role and would it help to study a diploma or degree in this area as well? I already have an accounting degree from years back, so this will be add on study.</a> <small> vinx98 asked: ...</small></li></ol>]]></description>
			<content:encoded><![CDATA[<p>12345 asked: <br/><br/><br/>I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them.<br />
I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I have no credit cards that I can cancel, no accounts that I could close, but my bond, car installments and cost of living like groceries, electricity, etc is killing me and I am really not flashy. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them. I stay in South Africa. Thank you for taking teh time to help me.<br/><br/></p>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/need-advice-for-debt-problems' rel='bookmark' title='Permanent Link: need advice for debt problems?'>need advice for debt problems?</a> <small>525 B asked: I’m turning 22 in august. I never...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-a-commission-earner-and-it-seems-like-my-income-is-going-to-drop-significantly-in-the-next-couple-of-month-because-of-the-recession-what-is-the-best-thing-that-i-can-try-and-do-not-to-loose-my-h' rel='bookmark' title='Permanent Link: I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I have no credit cards that I can cancel, no accounts that I could close, but my bond, car installments and cost of living like groceries, electricity, etc is killing me and I am really not flashy. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them. I stay in South Africa. Thank you for taking teh time to help me.
It is an income problem, I stated that in the opening line'>I am a commission earner and it seems like my income is going to drop significantly in the next couple of month because of the recession. What is the best thing that i can try and do not to loose my house? How does debt counselling work? I&#8217;ve heard that your salary gets paid directly to the debt councillors and they give you an amount to buy groceries and clothes with, but you don&#8217;t physically have control over your money. I have no credit cards that I can cancel, no accounts that I could close, but my bond, car installments and cost of living like groceries, electricity, etc is killing me and I am really not flashy. I am so scared, I have a 4 month old and a 2 year old and need to make the right choices for them. I stay in South Africa. Thank you for taking teh time to help me.
It is an income problem, I stated that in the opening line</a> <small> 12345 asked: Related Blogs Related Blogs on Cost Of...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-very-good-with-money-and-always-offer-financial-advice-to-family-and-friends-which-is-useful-and-helpful-after-so-many-years-i-think-i-have-found-my-calling-which-is-offering-financial-advice' rel='bookmark' title='Permanent Link: I am very good with money and always offer financial advice to family and friends which is useful and helpful. After so many years, I think I have found my calling, which is offering financial advice to those who are struggling. However I do not have a qualification in this and would like to know the best way into this type of job? What is the best way to get experience in this role and would it help to study a diploma or degree in this area as well? I already have an accounting degree from years back, so this will be add on study.'>I am very good with money and always offer financial advice to family and friends which is useful and helpful. After so many years, I think I have found my calling, which is offering financial advice to those who are struggling. However I do not have a qualification in this and would like to know the best way into this type of job? What is the best way to get experience in this role and would it help to study a diploma or degree in this area as well? I already have an accounting degree from years back, so this will be add on study.</a> <small> vinx98 asked: ...</small></li></ol></p>]]></content:encoded>
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		<title>Would you participate is a social economicc structure such as this?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/would-you-participate-is-a-social-economicc-structure-such-as-this</link>
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		<pubDate>Sat, 02 Jan 2010 07:26:44 +0000</pubDate>
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		<category><![CDATA[Philosophy]]></category>

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		<category><![CDATA[Communism]]></category>

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		<description><![CDATA[
My personal belief is people should work for the betterment of one another, a system for the people by the people. A tribal mentality if you will; better described as democratic communism. 
By eliminating internal markets and the notion of social-human value with the understanding that all life has value exceeding that of utility; and [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/fellow-christians-can-you-drop-your-support-of-state-control-over-social-issues' rel='bookmark' title='Permanent Link: Fellow Christians, can you drop your support of State control over social issues?'>Fellow Christians, can you drop your support of State control over social issues?</a> <small>Aaarrrggg!!! asked: And have the Church work on them again...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/has-anyone-ever-used-a-debt-management-service-how-did-it-affect-your-credit-rating-would-you-reccommend-it' rel='bookmark' title='Permanent Link: Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?'>Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?</a> <small>mom24athome asked: I want to eliminate the rest of my...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/when-are-we-going-to-get-serious-about-paying-down-the-national-debt' rel='bookmark' title='Permanent Link: When Are We Going To Get Serious About Paying Down the National Debt?'>When Are We Going To Get Serious About Paying Down the National Debt?</a> <small> agactual asked: There is clearly neither one nor the...</small></li></ol>]]></description>
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<div>My personal belief is people should work for the betterment of one another, a system for the people by the people. A tribal mentality if you will; better described as democratic communism. </p>
<p>By eliminating internal markets and the notion of social-human value with the understanding that all life has value exceeding that of utility; and furthermore by emphasizing the value in ability and persistence, you can all but eliminate greed, pride, and prejudice. This is done in offering the same incentives to everyone who develops uncanny ability in any respective trade without regard to social status, creed, color, race, sex, sexual preference, or marital status on scheduled and random basis. </p>
<p>Furthermore democratic communism by no means eliminates the private sector, but instead eliminates the division between the government and private sector, with the exception of religion and or creed in there doctrine. Freedom in docttine leaves room for free speech and press, except, those with the intent to inflict malicious wounds regarding creed, color, race, age, *** or social status; such a social structure allows a metamorphosis to occur promoting the advancement of social enlightenment and production of ideas with insight.</p>
<p>Necessary goods and services should be distributed, with absolute equality, simply because a person’s contribution will ultimately allow others to do the same. We treat our children with such regard, why not our brothers and sisters? </p>
<p>Micromanagement in all parts is necessary, especially when financing prospective entrepreneurial endeavors. A system in which “grants” would be allotted to individuals or groups in a lottery as well as lists divided according to physical area and need. When a business is able to return the said “grant” the next individual or set of individuals would receive their grant(s). This places emphasis on the community to ensure the business is successful.</p>
<p> In such a social-economic system a political draft based solely on public input should be used to identify those who are best qualified for political positions. Then an election held in the democratic fashion would allow the people to select the person best suited for the position. </p>
<p>This system works internally as a communistic social economic structure but externally as a capitalistic market place.<br />
@Houston, we have a problem </p>
<p>The incentives to excel are goods and services above what is necessary! You work hard you get promoted you get a bigger house more paid vacations, where you are not only paid for being absent but the trip would be paid for. Etc!<br />
How did you come to that conclusion? The harder you work you get rewarded, incentives are allotted to those who show uncanny ability and persistence. This is not capitalistic! Essentially you work hard you get promoted. Necessary goods and services would be allotted with absolute equality, food, clothing, housing, school; college for those who partake in an intern work for tuition program, etc… this is communism.  You work hard you get promoted, you don’t work you stay at base pay. There are people who want to be doctors because they can make a difference, people want to build houses. People who want to flip burgers! I know it sounds odd but I have meet them all.<br/><br/><em>By: <strong>Vindicated Vigilante</strong></em><br/><br/><strong>About the Author:</strong>
<div style="border: thin solid gray; background-color: #E2E089; padding:1em;"></div>
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<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/fellow-christians-can-you-drop-your-support-of-state-control-over-social-issues' rel='bookmark' title='Permanent Link: Fellow Christians, can you drop your support of State control over social issues?'>Fellow Christians, can you drop your support of State control over social issues?</a> <small>Aaarrrggg!!! asked: And have the Church work on them again...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/has-anyone-ever-used-a-debt-management-service-how-did-it-affect-your-credit-rating-would-you-reccommend-it' rel='bookmark' title='Permanent Link: Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?'>Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?</a> <small>mom24athome asked: I want to eliminate the rest of my...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/when-are-we-going-to-get-serious-about-paying-down-the-national-debt' rel='bookmark' title='Permanent Link: When Are We Going To Get Serious About Paying Down the National Debt?'>When Are We Going To Get Serious About Paying Down the National Debt?</a> <small> agactual asked: There is clearly neither one nor the...</small></li></ol></p>]]></content:encoded>
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		<title>Gelooft u er zulk een ding als onvervreemdbaar recht op het leven is?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/gelooft-u-er-zulk-een-ding-als-onvervreemdbaar-recht-op-het-leven-is</link>
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		<pubDate>Sat, 02 Jan 2010 00:55:56 +0000</pubDate>
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		<category><![CDATA[Philosophy]]></category>

		<category><![CDATA[Conclusion]]></category>

		<category><![CDATA[Dilemna]]></category>

		<category><![CDATA[Virtue]]></category>

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		<description><![CDATA[
Matt S asked: Dit is een vraag die me significante moeilijkheid in de loop van de jaren heeft veroorzaakt.  Voor zover ik kan vertellen, &#34; rights&#34; aan om het even wat worden slechts verleend krachtens een sociaal contract, en bestaan niet op een fundamentele manier.  Nochtans, is deze conclusie antithetisch aan mijn persoonlijke [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/hoe-krijgt-u-een-persoonlijke-toelage' rel='bookmark' title='Permanent Link: Hoe krijgt u een persoonlijke toelage?'>Hoe krijgt u een persoonlijke toelage?</a> <small> Tamee J asked: Ik heb online gekeken en zelfs...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/mormonen-gelooft-u-dat-een-niet-lds-openbaar-prophesy-kan' rel='bookmark' title='Permanent Link: Mormonen: Gelooft u dat een niet-LDS openbaar prophesy kan?'>Mormonen: Gelooft u dat een niet-LDS openbaar prophesy kan?</a> <small> 1Oᴄᴀᴎᴇ [God help the Giants] asked: Ik was onder...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/wanneer-de-linkerzijde-en-het-recht-zullen-leren-hoe-essentieel-het-is-dat-zij-vooruitgang-boeken' rel='bookmark' title='Permanent Link: Wanneer de Linkerzijde en het Recht zullen leren hoe essentieel het is dat zij vooruitgang boeken?'>Wanneer de Linkerzijde en het Recht zullen leren hoe essentieel het is dat zij vooruitgang boeken?</a> <small> Ryan asked: Met een bepaalde bedoeling, is er een...</small></li></ol>]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"><a href="/wp-content/uploads/cc/personal_grants543.jpg" rel='nofollow'><img src="/wp-content/uploads/cc/personal_grants543.jpg" title='personal grants' alt='personal grants' /></a></div>
<div><em><strong>Matt S</strong> asked: </em><br/><br/><br/>Dit is een vraag die me significante moeilijkheid in de loop van de jaren heeft veroorzaakt.  Voor zover ik kan vertellen, &quot; rights&quot; aan om het even wat worden slechts verleend krachtens een sociaal contract, en bestaan niet op een fundamentele manier.  Nochtans, is deze conclusie antithetisch aan mijn persoonlijke ethiek - zo dilemna.  Ik veronderstel ook dat, door uitbreiding, men de betekenis van het woord &#038;quot moet overwegen; right&quot; in deze context.  De nadenkende input zou zeer gewaardeerd worden.<br/><br/></div>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/hoe-krijgt-u-een-persoonlijke-toelage' rel='bookmark' title='Permanent Link: Hoe krijgt u een persoonlijke toelage?'>Hoe krijgt u een persoonlijke toelage?</a> <small> Tamee J asked: Ik heb online gekeken en zelfs...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/mormonen-gelooft-u-dat-een-niet-lds-openbaar-prophesy-kan' rel='bookmark' title='Permanent Link: Mormonen: Gelooft u dat een niet-LDS openbaar prophesy kan?'>Mormonen: Gelooft u dat een niet-LDS openbaar prophesy kan?</a> <small> 1Oᴄᴀᴎᴇ [God help the Giants] asked: Ik was onder...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/wanneer-de-linkerzijde-en-het-recht-zullen-leren-hoe-essentieel-het-is-dat-zij-vooruitgang-boeken' rel='bookmark' title='Permanent Link: Wanneer de Linkerzijde en het Recht zullen leren hoe essentieel het is dat zij vooruitgang boeken?'>Wanneer de Linkerzijde en het Recht zullen leren hoe essentieel het is dat zij vooruitgang boeken?</a> <small> Ryan asked: Met een bepaalde bedoeling, is er een...</small></li></ol></p>]]></content:encoded>
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		<title>credit card debt consolidation?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/credit-card-debt-consolidation</link>
		<comments>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/credit-card-debt-consolidation#comments</comments>
		<pubDate>Sat, 02 Jan 2010 00:00:23 +0000</pubDate>
		<dc:creator></dc:creator>
		
		<category><![CDATA[Credit]]></category>

		<category><![CDATA[Full Time]]></category>

		<category><![CDATA[Money Management]]></category>

		<category><![CDATA[Part Time]]></category>

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		<description><![CDATA[
simply summer asked: 


Related posts:Can an individual eliminate credit card debt by declaring bankruptcy?    I didn&#8217;t think you could wipe it out, just get the bill collectors off your back.  But, someone told me that it depends on which chapter of bankruptcy you use.  The right one WILL eliminate credit [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/can-an-individual-eliminate-credit-card-debt-by-declaring-bankruptcy-i-didnt-think-you-could-wipe-it-out-just-get-the-bill-collectors-off-your-back-but-someone-told-me-that-it-depends-on-whi' rel='bookmark' title='Permanent Link: Can an individual eliminate credit card debt by declaring bankruptcy?    I didn&#8217;t think you could wipe it out, just get the bill collectors off your back.  But, someone told me that it depends on which chapter of bankruptcy you use.  The right one WILL eliminate credit card debt.  I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt!  Is it really possible?   Are there any restrictions in doing this.   Can you ever get a credit card again if you do it?
If you file bankruptcy to eliminate all debt, do you have to give up ALL of your possessions?  Will you have anything left?
This is for a friend of mine (really).  They don&#8217;t own a home.  They have 2 cars and some furniture and  A 401k plan.  Between the two of them they make about $40,000 a year.  I don&#8217;t see how debt consolidation will help them  How could they EVER pay off $80,000!?!   They had a house but they used up all the equity in it over the years and sold it recently and broke even on the deal, ending up with NOTHING!  What a mess!   I just didn&#8217;t think they could wipe out their credit card debt!  And, it really isn&#8217;t fair to the rest of us that pay our bills!'>Can an individual eliminate credit card debt by declaring bankruptcy?    I didn&#8217;t think you could wipe it out, just get the bill collectors off your back.  But, someone told me that it depends on which chapter of bankruptcy you use.  The right one WILL eliminate credit card debt.  I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt!  Is it really possible?   Are there any restrictions in doing this.   Can you ever get a credit card again if you do it?
If you file bankruptcy to eliminate all debt, do you have to give up ALL of your possessions?  Will you have anything left?
This is for a friend of mine (really).  They don&#8217;t own a home.  They have 2 cars and some furniture and  A 401k plan.  Between the two of them they make about $40,000 a year.  I don&#8217;t see how debt consolidation will help them  How could they EVER pay off $80,000!?!   They had a house but they used up all the equity in it over the years and sold it recently and broke even on the deal, ending up with NOTHING!  What a mess!   I just didn&#8217;t think they could wipe out their credit card debt!  And, it really isn&#8217;t fair to the rest of us that pay our bills!</a> <small> ol_skater_boy asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-have-been-enrolled-in-a-debt-consolidation-program-for-about-3-years-and-have-about-one-more-year-to-gomy-question-is-on-my-credit-report-for-each-creditor-that-i-have-enrolled-in-the-program-it' rel='bookmark' title='Permanent Link: I have been enrolled in a debt consolidation program for about 3 years and have about one more year to go.

My question is on my credit report for each creditor that I have enrolled in the program it reads &#8220;payments managed thru a consumer counseling agency&#8221; (something along those lines) how long after I have finished the program will this notation remain on my report?  Also how long after the program will I be able to get credit again?
FYI  I do not need to know how a debt consolidation program works&#8230;as I said I have been in it for 3 yrs

I know people have there own opinions about it but I felt for my situation this was the best choice- so please do not give opinions about how I could have paid this debt myself
Please notice that I did not say how soon can I get a credit card I said CREDIT period&#8230;.for anything specifically a house.'>I have been enrolled in a debt consolidation program for about 3 years and have about one more year to go.

My question is on my credit report for each creditor that I have enrolled in the program it reads &#8220;payments managed thru a consumer counseling agency&#8221; (something along those lines) how long after I have finished the program will this notation remain on my report?  Also how long after the program will I be able to get credit again?
FYI  I do not need to know how a debt consolidation program works&#8230;as I said I have been in it for 3 yrs

I know people have there own opinions about it but I felt for my situation this was the best choice- so please do not give opinions about how I could have paid this debt myself
Please notice that I did not say how soon can I get a credit card I said CREDIT period&#8230;.for anything specifically a house.</a> <small> K.C. asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-on-money-managementwhich-is-a-debt-consolidation-program-im-wondering-could-i-still-apple-for-a-new-credit-card-and-not-get-kicked-off-the-program' rel='bookmark' title='Permanent Link: I am on money management(which is a debt consolidation program). I&#8217;m wondering, could I still apple for a new credit card and not get kicked off the program.'>I am on money management(which is a debt consolidation program). I&#8217;m wondering, could I still apple for a new credit card and not get kicked off the program.</a> <small> lisseth asked: ...</small></li></ol>]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"><a href="/wp-content/uploads/cc/debt_control431.jpg" rel='nofollow'><img src="/wp-content/uploads/cc/debt_control431.jpg" title='debt control' alt='debt control' /></a></div>
<div><em><strong>simply summer</strong> asked: </em><br/><br/><br/><br/><br/></div>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/can-an-individual-eliminate-credit-card-debt-by-declaring-bankruptcy-i-didnt-think-you-could-wipe-it-out-just-get-the-bill-collectors-off-your-back-but-someone-told-me-that-it-depends-on-whi' rel='bookmark' title='Permanent Link: Can an individual eliminate credit card debt by declaring bankruptcy?    I didn&#8217;t think you could wipe it out, just get the bill collectors off your back.  But, someone told me that it depends on which chapter of bankruptcy you use.  The right one WILL eliminate credit card debt.  I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt!  Is it really possible?   Are there any restrictions in doing this.   Can you ever get a credit card again if you do it?
If you file bankruptcy to eliminate all debt, do you have to give up ALL of your possessions?  Will you have anything left?
This is for a friend of mine (really).  They don&#8217;t own a home.  They have 2 cars and some furniture and  A 401k plan.  Between the two of them they make about $40,000 a year.  I don&#8217;t see how debt consolidation will help them  How could they EVER pay off $80,000!?!   They had a house but they used up all the equity in it over the years and sold it recently and broke even on the deal, ending up with NOTHING!  What a mess!   I just didn&#8217;t think they could wipe out their credit card debt!  And, it really isn&#8217;t fair to the rest of us that pay our bills!'>Can an individual eliminate credit card debt by declaring bankruptcy?    I didn&#8217;t think you could wipe it out, just get the bill collectors off your back.  But, someone told me that it depends on which chapter of bankruptcy you use.  The right one WILL eliminate credit card debt.  I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt!  Is it really possible?   Are there any restrictions in doing this.   Can you ever get a credit card again if you do it?
If you file bankruptcy to eliminate all debt, do you have to give up ALL of your possessions?  Will you have anything left?
This is for a friend of mine (really).  They don&#8217;t own a home.  They have 2 cars and some furniture and  A 401k plan.  Between the two of them they make about $40,000 a year.  I don&#8217;t see how debt consolidation will help them  How could they EVER pay off $80,000!?!   They had a house but they used up all the equity in it over the years and sold it recently and broke even on the deal, ending up with NOTHING!  What a mess!   I just didn&#8217;t think they could wipe out their credit card debt!  And, it really isn&#8217;t fair to the rest of us that pay our bills!</a> <small> ol_skater_boy asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-have-been-enrolled-in-a-debt-consolidation-program-for-about-3-years-and-have-about-one-more-year-to-gomy-question-is-on-my-credit-report-for-each-creditor-that-i-have-enrolled-in-the-program-it' rel='bookmark' title='Permanent Link: I have been enrolled in a debt consolidation program for about 3 years and have about one more year to go.

My question is on my credit report for each creditor that I have enrolled in the program it reads &#8220;payments managed thru a consumer counseling agency&#8221; (something along those lines) how long after I have finished the program will this notation remain on my report?  Also how long after the program will I be able to get credit again?
FYI  I do not need to know how a debt consolidation program works&#8230;as I said I have been in it for 3 yrs

I know people have there own opinions about it but I felt for my situation this was the best choice- so please do not give opinions about how I could have paid this debt myself
Please notice that I did not say how soon can I get a credit card I said CREDIT period&#8230;.for anything specifically a house.'>I have been enrolled in a debt consolidation program for about 3 years and have about one more year to go.

My question is on my credit report for each creditor that I have enrolled in the program it reads &#8220;payments managed thru a consumer counseling agency&#8221; (something along those lines) how long after I have finished the program will this notation remain on my report?  Also how long after the program will I be able to get credit again?
FYI  I do not need to know how a debt consolidation program works&#8230;as I said I have been in it for 3 yrs

I know people have there own opinions about it but I felt for my situation this was the best choice- so please do not give opinions about how I could have paid this debt myself
Please notice that I did not say how soon can I get a credit card I said CREDIT period&#8230;.for anything specifically a house.</a> <small> K.C. asked: ...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/i-am-on-money-managementwhich-is-a-debt-consolidation-program-im-wondering-could-i-still-apple-for-a-new-credit-card-and-not-get-kicked-off-the-program' rel='bookmark' title='Permanent Link: I am on money management(which is a debt consolidation program). I&#8217;m wondering, could I still apple for a new credit card and not get kicked off the program.'>I am on money management(which is a debt consolidation program). I&#8217;m wondering, could I still apple for a new credit card and not get kicked off the program.</a> <small> lisseth asked: ...</small></li></ol></p>]]></content:encoded>
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		<title>Zouden wij het oordeelpandrecht persoonlijke bezittingen in verschuldigd geweeste uitwisseling van geld nemen moeten krijgen of? Staat van Florida?</title>
		<link>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/zouden-wij-het-oordeelpandrecht-persoonlijke-bezittingen-in-verschuldigd-geweeste-uitwisseling-van-geld-nemen-moeten-krijgen-of-staat-van-florida</link>
		<comments>http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/zouden-wij-het-oordeelpandrecht-persoonlijke-bezittingen-in-verschuldigd-geweeste-uitwisseling-van-geld-nemen-moeten-krijgen-of-staat-van-florida#comments</comments>
		<pubDate>Fri, 01 Jan 2010 21:52:38 +0000</pubDate>
		<dc:creator></dc:creator>
		
		<category><![CDATA[Law & Ethics]]></category>

		<category><![CDATA[Coop]]></category>

		<category><![CDATA[Creditor]]></category>

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Mel asked: Wij namen een cli


Related posts:Zouden wij moeten nemen reizen wanneer wij schuld hebben?  backflip asked: Mijn echtgenoot en ik huwde eachother&#39; s...Ik ben al op school en moeten betalen voor leningen hoe krijg ik geld voor persoonlijke spullen, zoals geld voor computer?  deathdealer94x@hotmail.com asked: Ik wil aplly voor Pell subsidie, maar...SCHULD: [...]


Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/zouden-wij-moeten-nemen-reizen-wanneer-wij-schuld-hebben' rel='bookmark' title='Permanent Link: Zouden wij moeten nemen reizen wanneer wij schuld hebben?'>Zouden wij moeten nemen reizen wanneer wij schuld hebben?</a> <small> backflip asked: Mijn echtgenoot en ik huwde eachother&#39; s...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/ik-ben-al-op-school-en-moeten-betalen-voor-leningen-hoe-krijg-ik-geld-voor-persoonlijke-spullen-zoals-geld-voor-computer' rel='bookmark' title='Permanent Link: Ik ben al op school en moeten betalen voor leningen hoe krijg ik geld voor persoonlijke spullen, zoals geld voor computer?'>Ik ben al op school en moeten betalen voor leningen hoe krijg ik geld voor persoonlijke spullen, zoals geld voor computer?</a> <small> deathdealer94x@hotmail.com asked: Ik wil aplly voor Pell subsidie, maar...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/schuld-ik-ben-8879-verschuldigd-hoe-zou-moeten-ik-het-betalen' rel='bookmark' title='Permanent Link: SCHULD: Ik ben $8879 verschuldigd hoe zou moeten ik het betalen?'>SCHULD: Ik ben $8879 verschuldigd hoe zou moeten ik het betalen?</a> <small> Robert B asked: De Lening van de student: $2625,...</small></li></ol>]]></description>
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<div><em><strong>Mel</strong> asked: </em><br/><br/><br/>Wij namen een cli</p>


<p>Related posts:<ol><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/zouden-wij-moeten-nemen-reizen-wanneer-wij-schuld-hebben' rel='bookmark' title='Permanent Link: Zouden wij moeten nemen reizen wanneer wij schuld hebben?'>Zouden wij moeten nemen reizen wanneer wij schuld hebben?</a> <small> backflip asked: Mijn echtgenoot en ik huwde eachother&#39; s...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/ik-ben-al-op-school-en-moeten-betalen-voor-leningen-hoe-krijg-ik-geld-voor-persoonlijke-spullen-zoals-geld-voor-computer' rel='bookmark' title='Permanent Link: Ik ben al op school en moeten betalen voor leningen hoe krijg ik geld voor persoonlijke spullen, zoals geld voor computer?'>Ik ben al op school en moeten betalen voor leningen hoe krijg ik geld voor persoonlijke spullen, zoals geld voor computer?</a> <small> deathdealer94x@hotmail.com asked: Ik wil aplly voor Pell subsidie, maar...</small></li><li><a href='http://personal-grants-to-pay-off-debts.how-do-i-get-rid-of-debt.info/schuld-ik-ben-8879-verschuldigd-hoe-zou-moeten-ik-het-betalen' rel='bookmark' title='Permanent Link: SCHULD: Ik ben $8879 verschuldigd hoe zou moeten ik het betalen?'>SCHULD: Ik ben $8879 verschuldigd hoe zou moeten ik het betalen?</a> <small> Robert B asked: De Lening van de student: $2625,...</small></li></ol></p>]]></content:encoded>
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