Does anyone know of any private investors who would do debt consolidation loans?
I don't if anyone does. If you find out please let me know
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is an online ebook :
you can read it for free at:
http://umgarticles.atspace.com/debt-cons…
Does anyone know of any private investors who would do debt consolidation loans?
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Hey, you have a great blog here! I'm definitely going to bookmark you!I have a debt consolidation plan site/blog. It pretty much covers debt consolidation plan related stuff.Come and check it out if you get time
There is something about your story that is troublesome. It sounds like either you have a very inexperienced bankruptcy attorney, or there is more to this than what you have disclosed in your question.
Your adult children who are in college should file amended FAFSA forms and make appointments o talk with their college financial aid officers. Your Ch 13 may reduce the "expected family contribution" which may increase their eligibility for financial aid.
Why will your Ch 13 payment increase in a couple of months? YOU (or your attorney, on your behalf) write your Ch 13 repayment plan and present it to the court for confirmation. The court does NOT write your Ch 13 repayment plan. YOU do. There are constraints, all of which must be met. But if you do not want a Plan that calls for an increase "in a couple of months" then do not submit a Plan that proposes this. In fact, that is fairly unusual. Most Ch 13 Plans call for equal payments over the life of the Plan. I do not know, and am having trouble guessing, why your attorney would write a Plan that proposes this. Most Ch 13 Plans do not.
I also wonder whether your bankruptcy attorney is experienced enough to perform the Means Test correctly using Form 22c which is the Long Form of the Ch 13 Means Test. Many inexperiencd attorneys only use the short form of the means test, which can be a disadvantage to the debtor.
Usually if you have a 100% repayment Plan, it is because you have equity that you could not protect in a Ch 7 with the available exemptions. That is why you are converting your Ch 7 to a Ch 13 — because your equity in the home exceeds the available $100,000 exemption. It is somehow troublesome that your attorney did not realize this before filing the Ch 7, unless the appraisal was done after the Ch 7 was filed or unless you tried claiming your adult children as dependents and that was disallowed after you filed. Was the appraisal done recently or are you using an old appraisal figure? If it is old, you might want to get a newer appraisal since property values have dropped in many areas. Your appraisal would need to come in under about $235,000 in order for you not to have an excess equity issue.
If I were you, I would make an appointment with a second bankruptcy attorney for a complete review of the case and a second opinion. You will need to pay for this, but it might be worth while to get a second, experienced, pair of legal eyes taking a detailed look at the case.
How do I find the best debt consolidation loans?: I’m looking to consolidate all of my CC’s and a personal loans…
You can get personal loans but the interest rates would be high..
I would suggest you to go with a debt settlement company who will negotiate with your creditors on your behalf and brings down your principal debt amount by around 30% to 70%. They will usually negotiate for either less or no interest rates.
They will consolidate all your monthly payments into one affordable payment. And you can be out of debt within 3-36 months.Once you join their debt settlement program, they will start negotiating with your creditors in 24 to 48 hours.
For more information and an estimate on how much they can reduce your principal debt amount please go to their website
It gives you the clear picture
Good Luck
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The Partisan War SyndromeThe Democrats' policy of doing nothing as the Republican Party keeps tripping over itself is a recipe for continued political failure and irrelevance.Hi you've got a great blog here, the best I've seen so far for Debt consolidation loans related. Keep up the good job! I found a similar Debt consolidation loans related website yesterday, check it out. Looks like the Debt consolidation loans related site does not have a blog yet, so check them out at their company site.
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There is something about your story that is troublesome. It sounds like either you have a very inexperienced bankruptcy attorney, or there is more to this than what you have disclosed in your question.
Your adult children who are in college should file amended FAFSA forms and make appointments o talk with their college financial aid officers. Your Ch 13 may reduce the "expected family contribution" which may increase their eligibility for financial aid.
Why will your Ch 13 payment increase in a couple of months? YOU (or your attorney, on your behalf) write your Ch 13 repayment plan and present it to the court for confirmation. The court does NOT write your Ch 13 repayment plan. YOU do. There are constraints, all of which must be met. But if you do not want a Plan that calls for an increase "in a couple of months" then do not submit a Plan that proposes this. In fact, that is fairly unusual. Most Ch 13 Plans call for equal payments over the life of the Plan. I do not know, and am having trouble guessing, why your attorney would write a Plan that proposes this. Most Ch 13 Plans do not.
I also wonder whether your bankruptcy attorney is experienced enough to perform the Means Test correctly using Form 22c which is the Long Form of the Ch 13 Means Test. Many inexperiencd attorneys only use the short form of the means test, which can be a disadvantage to the debtor.
Usually if you have a 100% repayment Plan, it is because you have equity that you could not protect in a Ch 7 with the available exemptions. That is why you are converting your Ch 7 to a Ch 13 — because your equity in the home exceeds the available $100,000 exemption. It is somehow troublesome that your attorney did not realize this before filing the Ch 7, unless the appraisal was done after the Ch 7 was filed or unless you tried claiming your adult children as dependents and that was disallowed after you filed. Was the appraisal done recently or are you using an old appraisal figure? If it is old, you might want to get a newer appraisal since property values have dropped in many areas. Your appraisal would need to come in under about $235,000 in order for you not to have an excess equity issue.
If I were you, I would make an appointment with a second bankruptcy attorney for a complete review of the case and a second opinion. You will need to pay for this, but it might be worth while to get a second, experienced, pair of legal eyes taking a detailed look at the case.
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