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Friday, October 31, 2014   
 
Articles written by Scott Bilker
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Will a debt settlement adversely affect our credit rating? Will a debt settlement adversely affect our credit rating?
by Scott Bilker
Scott, We are drowning in debt--over $80,000 in credit card debt, some at over 30 percent! We are taking a second out on our house to pay it off. Should we ask the credit card companies to lower our payoff amount for paying off the balance in cash? Will this adversely affect our credit rating? Even a 10 percent reduction would pay for a car for my son. Your advice is appreciated! Viola
 
Balance transfer checks Balance transfer checks
by Scott Bilker
Scott, First of all your site is great! Received a blank check from my credit card company that can be used for either cash or purchases. It is a low 3.99 percent rate for life of the loan. The balance on my credit card has a variable 8.99 percent rate. Would I be able to write a check out for the balance on the credit card, deposit it in my checking account, and then turn around and send a personal check to the credit card company for the balance total thus lowering the rate from 8.99 percent to the 3.99 percent. Thanks in advance. MW
 
5 Ways to Avoid Holiday Debt 5 Ways to Avoid Holiday Debt
by Scott Bilker
Between Thanksgiving and Christmas people are going to spend $121.4 billion using their credit cards! How are you going to pay for the gifts? Credit cards of course! I'm sure many people are going to criticize me for even suggesting such an idea.
 
Problems with balance transfers Problems with balance transfers
by Scott Bilker
Hi Scott, I have gone through the trouble the past few months to get a permanent, lower-interest credit card and also to get a promotional rate on the new card to transfer balances ($5,000 to $12,000). I go through the whole process and get approved for $1,000. I cancel the card immediately, because it's just not worth it. I canceled a card with $29,000 credit earlier in the year because I didn't want to support the company. What might be the problem? Seth
 
Money books for kids Money books for kids
by Scott Bilker
Educating your children about money is one of the smartest, and most rewarding, financial moves for any family. It is in our childhood that we are conditioned to have emotions related to money. Many of these emotions, like fear of not having enough money, or having too much money, are not based in reality. These feelings can hold you back later in life so it's important to have an understanding about money from as early an age as possible.
 
Balance transfer game Balance transfer game
by Scott Bilker
Dear Scott, I have learned a great deal even from just a few visits to your site and my husband has as well! Our problem: We are both sole proprietors of our own businesses and have ridden the freelance rollercoaster for a combined 30 years. I am slowly working away at debt I accumulated when I was in massage school. My husband, however, has not always been so good at opening his mail, paying his bills on time...He gets offers for 0 percent intro rates frequently, but they have horrible default rates. SMP
 
Negotiation persistence saves $21,000 Negotiation persistence saves $21,000
by Scott Bilker
Amy originally contacted me to let me know about her success in general. We corresponded a few times regarding her latest negotiation with her bank. She already was doing well, so I asked her to let me know what happens--and she did! I must say that I am very impressed by her success and want to share it with everyone at DebtSmart.com so all can see what is possible when you are persistent! Congratulations Amy and thank you for allowing me to share this with everyone!
 
Student and credit cards Student and credit cards
by Scott Bilker
Scott, I'm so lost! I'm about to obtain my first credit card, and I do not know where to start or even how many to take out. What deal is the best? Do I look at the APR or the nice rewards they have? I'm just trying to establish a good credit history, because I am aware that you need one if you want to eventually buy a house/car. Thanks so much for your help. Meri
 
My spouse doesn't agree! My spouse doesn't agree!
by Scott Bilker
Scott, I have debts that have different interest rates: 9 percent, 10 percent, 28 percent and 29 percent. I want to consolidate my debt at 16 percent interest rate. But my spouse doesn't agree! William
 
Second mortgage rate and APR Second mortgage rate and APR
by Scott Bilker
Scott, Why is it a different price for the quoted loan interest rate, my mortgage company Quicken Loans, quoted me 6.55 on a second. Then when I get the papers to sign, the APR fair credit paper states 7.1 for the interest rate. Is the mortgage company trying to be dishonest and not really give me the rate quoted? I don't understand; please help me. Thank you! Pam
 
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