I Have $70,000 in Credit Card Debt!
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Tan almost everywhere, Jan almost everywhere hee hee.

Season 4, Episode 12 “The Deposition” – Jan sues Dunder Mifflin, and Michael is deposed as a witness; Kelly trash-talks Pam after Darryl beats Jim at pingpong.

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More info and debt help can be found at http://www.debtcounsellinghelp.co.za

Today’s questions:

I have received a Summons, can you help me?

The biggest mistake that most people make is to leave debt counselling to late. As soon as you have received a summons from your creditor we cannot stop repossession. You can however still ask your creditor to stop the repossession.

You will have to negotiate a new repayment plan with your creditor. As soon as we have detail of your new payment plan and your creditor has agreed that you can place the payments under debt counselling we can continue with debt counselling.

The attorney of the creditor will normally send you a Section 129 final warning before the issue of a summons. You will have 10 working days to apply for debt counselling after the issue of this notice. If you don’t apply in this time you will not be able to include this debt under debt counselling.

Do not ignore a Section 129 Notice or summons. It will not go away by itself. We will help you. Doing nothing is the worst thing you can do.

Contact as soon as you can when you get the Section 129 Notice.

What is a debt consolidation mortgage and how could it help you?

A debt consolidation mortgage is more commonly referred to as a cash-out refinance. This is where you pull out some equity in your home to pay off debt.

For example: let’s say your current home is worth $200,000 and you owe $100,000. Also, you have $20,000 in credit cards and other loans you want to consolidate into a lower interest debt.

If you did a cash-out refinance, you could get a check for $20,000 at closing and you would now owe $120,000 on your mortgage. Essentially, the debt gets absorbed into your mortgage.

So, why would you do a debt consolidation mortgage? This type of cash-out refinance helps you turn unsecured, high-interest debt (credit cards, auto loans, etc) and convert it into secured, low-interest debt.

A debt consolidation mortgage is a piece of the puzzle towards becoming debt-free in the future. It’s not a full solution to a debt problem, it’s simply a tool.

The big thing you have to keep in mind with this strategy is that it doesn’t just make the debt dissapear. The debt will still be there. But, instead of the debt being held at high interest (usually 15-25% by AmEx or Visa, etc) it will be help in your mortgage (usually around 3-5%).

But, is it smart to take short term debt and convert it to long term debt? Here’s what I mean… If you have $10,000 worth of debt in credit cards, that debt will get paid off in about 7 years. If you take that $10,000 and wrap it into your mortgage, it will get paid off in 30 years if you don’t intervene.

So, in that case it’s not smart to do that. But, it is smart if you continue making similar payments on debt. But, instead of paying the credit card company, you pay extra into the mortgage.

Again, a debt consolidation mortgage does not make debt disappear. It simply restructures the way you’re paying back debt and can help you avoid the massive interest charged on credit cards and other high interest, risky debt.

Hey, my name is Kyle and I’m a Mortgage Advisor serving Tennessee, Florida, and Ohio. My goal is to help you get a crystal-clear home loan that helps you win the house you love. If you’re ready to create your home-buying plan, you can reach through any of the ways below:

CALL/TEXT: 937-249-0481
EMAIL: kyleseagraves@hey.com
GET PRE-APPROVED: https://kyleseagraves.com

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Motto Mortgage Alliance
937-249-0481
8900 N. Dixie Dr.
Dayton, OH 45414
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Debt Sage Can Help You – Debt Counseling & Debt Counseling Services South Africa, Johannesburg, Cape Town

Sands & Associates Licensed Insolvency Trustee Blair Mantin joined BT Vancouver to break down key considerations about debt consolidation that BC consumers should be aware of, and give some tips for debt consolidation success.