“Have you ever been late on your mortgage payment?” That was one of the first questions I was aked when I talked to the loan consultant about my refinance.
This conversation took place in early November and I still had not paid my October 15th payment. I had seen a copy of my credit report before [...]
I added up all my debts, how much the minimum payments were, and the amount of interest I was paying every month and when compared to my income, it looked very unlikely that I could even continue to make all the minimum payments. Obviously, I have to pay a lot more than the minimum due [...]
Things were looking so bad a few weeks ago that I started wondering if it was bad enough to start thinking about bankruptcy. Although I don’t know a lot about bankruptcy, I did take a couple Business Law classes in college, so I know a little about it and figured I’d NEVER even consider it, [...]
