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Need your advice on $ problems
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<blockquote data-quote="susiestar" data-source="post: 159620" data-attributes="member: 1233"><p>Steely,</p><p> </p><p>I STRONGLY suggest you work with a credit counselling service. We worked with Genus Credit Management and had a wonderful experience, as have a number of our friends who we recommended.</p><p> </p><p>this actually HELPED our credit, and less than a year after we paid things off we were able to purchase a new home.</p><p> </p><p>Care deals, esp for hybrids are great. There are a LOT of state incentives for buying a new hybrid or electric car. Our state will give you a tax credit of 1/2 the price of the car, or there is another option that helps pay for the car. It i worth checking out.</p><p> </p><p>With Genus, we made a much lower payment, it was for a set number of months, they were great when we had an unexpected hospitalization and had to choose paying them or eating. they also have LOTS of financial counselling, esp online stuff you can read/do anytime. This helps keep you out of the situation in the future.</p><p> </p><p>Please don't make a decision with-o consulting some kind of credit counselling agency. And maybe a couple. I know one place told a friend that bankruptcy was the only option, and several others had a number of options for them. We found Genus to be our best choice.</p><p> </p><p>I am sorry the financial picture stinks. I know how it feels.</p><p> </p><p>It has been a number of years since we ended with genus, so ask a lot of questions of htem, and of ANY credit counselling place. If they promise to "fix" your credit, or charge a large fee, then they are NOT reputable. We did pay a fee to genus, it was $8 per month and if we couldn't make it we could opt out. It was simply to help cover their costs and we didn't mind paying it. ANDit was totally optional.</p><p> </p><p>Big HUGS,</p><p> </p><p>susie</p><p> </p><p>ps. Be sure to get something for yourself to remind you of Gma, you will regret it if you don't!</p></blockquote><p></p>
[QUOTE="susiestar, post: 159620, member: 1233"] Steely, I STRONGLY suggest you work with a credit counselling service. We worked with Genus Credit Management and had a wonderful experience, as have a number of our friends who we recommended. this actually HELPED our credit, and less than a year after we paid things off we were able to purchase a new home. Care deals, esp for hybrids are great. There are a LOT of state incentives for buying a new hybrid or electric car. Our state will give you a tax credit of 1/2 the price of the car, or there is another option that helps pay for the car. It i worth checking out. With Genus, we made a much lower payment, it was for a set number of months, they were great when we had an unexpected hospitalization and had to choose paying them or eating. they also have LOTS of financial counselling, esp online stuff you can read/do anytime. This helps keep you out of the situation in the future. Please don't make a decision with-o consulting some kind of credit counselling agency. And maybe a couple. I know one place told a friend that bankruptcy was the only option, and several others had a number of options for them. We found Genus to be our best choice. I am sorry the financial picture stinks. I know how it feels. It has been a number of years since we ended with genus, so ask a lot of questions of htem, and of ANY credit counselling place. If they promise to "fix" your credit, or charge a large fee, then they are NOT reputable. We did pay a fee to genus, it was $8 per month and if we couldn't make it we could opt out. It was simply to help cover their costs and we didn't mind paying it. ANDit was totally optional. Big HUGS, susie ps. Be sure to get something for yourself to remind you of Gma, you will regret it if you don't! [/QUOTE]
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