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Need your advice on $ problems
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<blockquote data-quote="Shari" data-source="post: 159569" data-attributes="member: 1848"><p>I wasn't as far in the whole with credit cards when DEX packed his bags, but I was a long darn ways in. I worked with Consumer Credit Counseling. They actually advised me to file bankruptcy and I refused. lol They were able to work out a payment plan and I was able to pay everything off eventually. At the very end, I settled the remaining debt. Wasn't good on my credit, but was no worse than a big ol' chapter 13, either. (Thanks, DEX. I still owe ya for that one...)</p><p>***</p><p>What kind of car do you currently have and what is wrong with it? Seriously, it is statistically cheaper to maintain an older car than buy a new one. Unless you're talking new engine or tranny, then you're probably better off to fix it (I know, no fun). And even if you're talking engine or tranny, its worth looking at doing it. If you can find a tech program with auto mechanics, lots of times they'll do it for experience for the cost of parts.</p><p>***</p><p>Could look into bankruptcy. Shoots your credit but can be rebuilt sooner. (personally I don't like that option - tho my friend who filed when I went to CCC has a new house and a brand new camper now...but still not my thing.)</p><p>***</p><p>I guess the cheater way would be to buy a car on loan before you go to CCC and add them to your creditors to work with...essentially reduce the payment you just took on. I don't reccommend that, tho.</p></blockquote><p></p>
[QUOTE="Shari, post: 159569, member: 1848"] I wasn't as far in the whole with credit cards when DEX packed his bags, but I was a long darn ways in. I worked with Consumer Credit Counseling. They actually advised me to file bankruptcy and I refused. lol They were able to work out a payment plan and I was able to pay everything off eventually. At the very end, I settled the remaining debt. Wasn't good on my credit, but was no worse than a big ol' chapter 13, either. (Thanks, DEX. I still owe ya for that one...) *** What kind of car do you currently have and what is wrong with it? Seriously, it is statistically cheaper to maintain an older car than buy a new one. Unless you're talking new engine or tranny, then you're probably better off to fix it (I know, no fun). And even if you're talking engine or tranny, its worth looking at doing it. If you can find a tech program with auto mechanics, lots of times they'll do it for experience for the cost of parts. *** Could look into bankruptcy. Shoots your credit but can be rebuilt sooner. (personally I don't like that option - tho my friend who filed when I went to CCC has a new house and a brand new camper now...but still not my thing.) *** I guess the cheater way would be to buy a car on loan before you go to CCC and add them to your creditors to work with...essentially reduce the payment you just took on. I don't reccommend that, tho. [/QUOTE]
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