Well, the only debt we have is our house...

• What could you do with 10,000 $$$ - NYCMT
  • Well, half of it would pay off all - Wishing on a Star
  • Pay off 2 of the smaller cc and take a well - sm -
  • It would almost pay my rent for a year. - :(
  • I'd give to to my sister - dee
  • Well, the only debt we have is our house... - indemt
    • Pay off our credit card - LinK

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in fair condition about 10 years ago, got into some medical problems, and have just now paid off the mortgage.  Hubby and I agreed we would do nothing to the house for remodeling because we wanted to pay it off first, then the medical bills.  I need to know of some websites/magazines/books to start researching for how to go about this.  These will be major repairs - roof, septic, basement, windows, pretty much everything except wiring.  Where do we start?  Maybe hire a general contractor just to do an evaluation and give us recommendations?  Hubby is a handyman but cant seem to get a handle on where to begin.  We would like to do as much of the work ourselves as possible - labor of love and all that...   

Thanks for any and all kind suggestions!

It is getting harder to make ends meet because of all the straws in our bank account.  I have 17k in CC dept alone.  It is with 4 different CC companies.   One CC has $200, #2  has about 4K, #3 has about 2K, #4 has 10k.  The 10K one has a 15 % APR, the others I believe range from 24% to 29% APR.  My biggest monthly payment is my house and I owe only  $4700 on it and it has 6.3% APR.  I sold some things and am getting $5K and that will be enough to pay off my house.   I would love to finally, officialy own this house and get rid of that $350 monthly pmt,  but I wonder if I should not pay down on the CC because of the high interest rates.  Any opinions.  TIA. 

yes, that means living on a budget, telling the kids (and yourself and your spouse) no to impulse buying and splurges. You really can live below your wage if you WANT to and it is better to do it before you HAVE to due to job loss, etc. We are debt free but our home, no car payments, all credit cards paid off, only have the utilities and food each month. It feels great not to write checks to anyone. My DH just finished his obligation of 700 a month child support (Yay!!) which means more towards the mortgage to pay it off sooner. We are content with what we have...too many Americans want it all and want it now, no matter what the price, just charge it or take out a loan for it...crazy!

laws also - you just may have yourself a $1000 piece of paper in your hand. 

Have you requested validation of this debt?  If not, I would do that right away.  Send it certified mail, return receipt requested.  Depending on the age of the debt, I would be very careful about sending the canned "do not contact me letter."  If the debt is not that old, that can sometimes trigger them to sue.  I bet if you send the "please provide me with full validation (not verification that you have my name, address and soc. sec#) of this alleged debt.  Short and sweet. 

http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement

Here's what you want to use...  It is called Consumer Credit Counseling Services.  They are legit.  Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office.  I don't know what state you're in or if there is an office local to you, but it looks like you can do this online. 

We did it, completed it, and it was great.  However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then).  Once you join, there are no more credit cards.  What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked.  You then make one lump payment to CCCS and they disburse the money.  They also take into consideration your income.  I think that's what makes it all work.  Also, this is what tells them how long it will take to pay off the debt.  Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer. 

Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance.  We make regular payments.

All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS.  Check with them about that though, as I do not know the specifics.  It is way better than bankruptcy...

Hope you find some relief soon!  My thoughts are with you...  I'm not judgemental because I've been there and done that. 

My husband and I have an account which we feel we don't owe.  We cancelled it within the amount of time we thought we had to cancel, but were later told the contract for services was not cancellable (a vacation timeshare).  The original amount was only $1,000.

Since that time, the timeshare company has sold our "debt" to a third party collection agency, Apelles.  They call at all hours and even on weekends.  Since I have caller ID, most of the time I don't even answer.  This morning, however, they called at 8:45 and woke up my kids.  I was a little annoyed, to say the least, and I'm just wondering:  Does anyone have any personal experience with this company.  I'm thinking about sending a Cease and Desist letter, but I'm worried that that will trigger them to take me to court.  Has anyone ever been sued by Apelles?  I would think our amount is too small to be worth their time and that they would just try to sell it to another agency.  Any thoughts?

If there is anyone out there who has been sued and had a judgment placed for credit card debt....

What happens when you go to court??  I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak.  But I was wondering if anyone has gone to court and what actually happens. 

I thought that the purpose of this board was to be able to post without being judged unfairly or have somebody tell you how wonderful their personal life is, and therefore you are causing their life to be less wonderful with your irresponsibility. Well, the saying "walk a mile in my shoes" is a good one in this case.  Since you have no personal information about the person you are lambasting because they are looking for information on their debt, you can feel superior.  Had you had personal information about them, you might act in a more human manner. Consider fighting cancer for 4 years, working and being debilitated while you do, suffering the effects of chemo, going into debt to maintain your home for your children and looking for a way out of debt SHOULD YOU EVEN LIVE THROUGH THIS!!  Thank you for the kind comments.  To the judgmental people I say please take a step back before you judge.  You do not know who you are talking to and if you knew the personal information maybe your comments would be kinder.

I definitely agree that she should take the dog inside, but if she absolutely refuses maybe you could buy her a well-insulated doghouse so at least the animal will have some protection from the cold.  Animals have survived cold temperatures for years, but they need a place that shelters them from the cold, and she needs to provide that for them!!

I feel for you - vegetarian here :)  One of the big reasons I lost respect for my ex-best friend was the way she treated her animals.  She was always buying dogs and cats and then leaving them at the pound or pawning them off on people.  It really made me think less of her, because what kind of person does that! She also won't admit she did anything wrong!  arrrrgh! It drives me crazy when people don't take proper care of their animals.  They are a big responsibility - not just a cute puppy to show off when it's convenient.  I hope your daughter straightens up, but again, if she doesn't I highly recommend purchasing a good doghouse for the poor dog!

Girls, has your hubby ever gotten you a "practical" gift that you did not appreciate?  This video will put a smile on your face!  Enjoy the lighthearted fun. 

http://bewareofthedoghouse.com/video.aspx

I chuckled reading your post. I have 9 - yes 9 - cats, three of whom are kittens in the range of 7 months old.  I got them all about a week apart and they're each about a month apart in age.  They are refugees from the neighbors really bad decisions.

Nothing in the house is safe any more.  All of my bigger plants are now in hooks on the ceiling - the smaller plants were already there.  It looks silly, but it works.  There is nothing left on any flat surface.  It cracks me up when they get going and chasing each other.   My house is very cat friendly at this point.  I made the choice to put the good furniture in storage for now and I have washable furniture.   There are cat beds everywhere.  My office shelving unit is more cat bed than it is storage and I have 2 beds on the desk beside my computer.

Yes, I am the crazy cat lady. 

Rotel tomatos

Velveeta cheese

taco-seasoned ground beef

Brown ground beef and add taco seasoning (as in making tacos). Melt Velveeta and Rotel in microwave; add meat mixture. I transfer to a crockpot to keep it hot.  Serve with corn chips. This recipe is made with 1 lb ground beef, 1 packet taco seasoning, 1 small can Rotel, and half of a big block of Velveeta. Of course, you can vary it to the amount you need to serve.

the people who lived here before us had a rabbit that got out of the hutch and they couldn't get it back in, so it lived in our yard.  One nice warm evening I took our house cat out with me while I was outside.  I looked away for a minute and in the blink of an eye, the male rabbit was...um...having nonconsensual relations with my poor, terrified female cat.  I could not believe my eyes. Needless to say, my cat stayed in the house after that.