http://www.zotsoft.com/general/debt-consolidation-before-bankruptcy/ Helping You Sort Out Your Choices Wed, 16 Nov 2011 02:36:21 -0600 http://wordpress.org/?v=2.8.1 hourly 1 http://www.zotsoft.com/general/debt-consolidation-before-bankruptcy/comment-page-1/#comment-185 Samantha Sun, 15 Mar 2009 19:45:06 +0000 http://www.zotsoft.com/?p=186#comment-185 How much debt do you think the average American should just be comfortable with? Is there any amount of debt that's ok to have? I think it's tricky to get an honest reading from the market today; should the goal be to have NO credit, some credit, or only asset based credit like houses and cars? How much debt do you think the average American should just be comfortable with? Is there any amount of debt that’s ok to have? I think it’s tricky to get an honest reading from the market today; should the goal be to have NO credit, some credit, or only asset based credit like houses and cars?

]]> http://www.zotsoft.com/general/debt-consolidation-before-bankruptcy/comment-page-1/#comment-184 Karla Sun, 15 Mar 2009 19:43:35 +0000 http://www.zotsoft.com/?p=186#comment-184 What are the other solutions? My husband and I do not have very good credit at the moment, and we're finding ourselves in some very serious trouble. I've been told we won't get approved for a debt consolidation loan, and honestly I don't know what to do. Maybe I can make an appointment with you! What are the other solutions? My husband and I do not have very good credit at the moment, and we’re finding ourselves in some very serious trouble. I’ve been told we won’t get approved for a debt consolidation loan, and honestly I don’t know what to do. Maybe I can make an appointment with you!

]]> http://www.zotsoft.com/general/debt-consolidation-before-bankruptcy/comment-page-1/#comment-183 anna Sun, 15 Mar 2009 19:42:11 +0000 http://www.zotsoft.com/?p=186#comment-183 Well, what about the issue of not getting a credit card to start with? I'm young and want to establish credit so one day I can buy a house, but I can't do that because every company says I have to have credit to get credit. Well how to I start having credit? It's a crazy system! Well, what about the issue of not getting a credit card to start with? I’m young and want to establish credit so one day I can buy a house, but I can’t do that because every company says I have to have credit to get credit. Well how to I start having credit? It’s a crazy system!

]]> http://www.zotsoft.com/general/debt-consolidation-before-bankruptcy/comment-page-1/#comment-182 kiki Sun, 15 Mar 2009 19:40:57 +0000 http://www.zotsoft.com/?p=186#comment-182 The problem with debt consolidation is that if you don't have good credit, you're not going to get a good loan. If you have good credit, you're not in trouble to start with. It's a nightmare, and one that an increasing number of people are finding themselves in. The problem with debt consolidation is that if you don’t have good credit, you’re not going to get a good loan. If you have good credit, you’re not in trouble to start with. It’s a nightmare, and one that an increasing number of people are finding themselves in.

]]> http://www.zotsoft.com/general/debt-consolidation-before-bankruptcy/comment-page-1/#comment-181 ACG Sun, 15 Mar 2009 19:39:53 +0000 http://www.zotsoft.com/?p=186#comment-181 I know too well how easy it is to get further in debt, especially in the culture of "don't miss this opportunity!" you don't want to forgo an experience for financial reasons. I nearly went bankrupt after a few years living abroad. It's dangerous because I don't want money to hold me back, but I don't want debt either. I know too well how easy it is to get further in debt, especially in the culture of “don’t miss this opportunity!” you don’t want to forgo an experience for financial reasons. I nearly went bankrupt after a few years living abroad. It’s dangerous because I don’t want money to hold me back, but I don’t want debt either.

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