Debt Relief Programs

by JJ
(American Fork, Utah, USA)

Ask Kate: Debt Relief Programs And Buying A House Hi Kate, I am interested in buying a home, but feel my credit is poor. I was laid off my job a few years ago and had two credit cards open where I went on hardship plans with both.

**Super Kate Tip: Why settle for less than perfect credit?
Consult the Experts to Clean Up Your Credit Report.**

I was hit pretty hard with finance charges and am now paying both off to get out from under the debt. I have a car loan and student loans left to pay off and some medical collections that are being held up by a no fault car accident law suit for the time being.

What is the best way to fix my credit besides paying off those credit cards so I can qualify for a mortgage? JJ

Kate Answers: Debt Relief Programs

Dear JJ, Let's get to the root of your problem. Debt! I'd like to tell you there are short-cuts or quick fixes but in the end, it's your debt that needs addressing.

Excess debt is like a noose. The more you fight it without a plan of attack, the tighter its hold. Quick fixes don't work in the long term. And long term is what you need when you are planning to buy a house!

JJ, I suggest getting in touch with one of the reputable debt relief programs providing consumer credit counseling. CCC is more than an alternative to bankruptcy. Debt relief programs help prospective home buyers with various methods of existing debt repayment. They also position you on the fast track to budgeting.

New Ideas On Debt Reduction And Increasing Income

Here are some suggestions for eliminating debt and increasing income.

A good source of personal loans is LendingClub.com. It is actually a popular concept in Europe whose time in the US may have finally come due to the Recession. Both borrowers and investors benefit. Check out my Super Kate Review at Peer To Peer Lending - How To Cut Out The Bank.

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Best Wishes,

PS If you still have questions about debt relief, write me at Ask Kate where every question is a good question. Please help me spread the word by sharing my website with your friends. Remember, all of my information is free!

Want to see what others are asking and I'm answering? Years in the making, go to Answers by Kate - How To Buy A House and bookmark it to your favorites so you can easily return in the future.

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