|
SAVE
BIG ON PHONE CALLS!
|
|
|
| No
switching! Low International rates! FREE minutes and
much more! |
| For
a limit time get the DebtSmart Loan Calculator for FREE
when you sign up! |
|
|
|
| Link
to more Q&A's at bottom of page |
|
Providian
Raised My APR to 29.99%
I was shocked to learn my Providian credit card raised my APR from
23.99 to 29.99. I've never missed a payment or been late. I called
to find out why and the rep told me they mailed out a notice of
change in terms. I said I never received the notice. I calmly explained the situation, reminding them I've
never missed a payment or been late, not even once. They said there
was nothing they could do...
|
|
Getting
Your Overpayment Refund
 I took out a debt consolidation loan to
pay off five creditors. The loan company wrote checks directly to
the creditors. The process took three months and by the time the
checks arrived at the creditors my balances were less than the
checks. Now a few creditors owe me because my payment was more than
the balance! All but one has paid. They owe me $179.00, too much
money to walk away from. How do I get the money back?
|
|
 Early
Payoff
Scott,
I would like to pay
off my 80K-15 year, 7.74% mortgage in 8-10 years? How much per month
or year do I have to make to reach this goal?
|
|
Debt
Negotiation
 I need to know if this will really work.
It makes me very nervous in not paying my bills so they can be
negotiated. I talked to DEBTCO and I got very excited that I could
be out of debt in 3 years but when I got the papers (contract) I
felt a little uneasy. Should I be uneasy? Should I think more about
consolidation? Please help me make the right choice. I really need
help with my debt.
|
|
Many Questions...Many Answers
 After each show I received many great
questions and many of these viewers allowed me to share their
questions with everyone. I received questions about
mortgages, debt counselors, consolidation, credit histories,
bankruptcy, medical bills, credit cards (of course), and many other
topics. Below are the some of those questions and
answers. |
|
|
 Transfer Credit Card Balances
My
husband and I filed for bankruptcy in 1995. Since then we have
established good payment records with high interest credit card
companies. I'm ready to drop them and transfer my balances to a
lower interest rate card(s). I've had my existing accounts for
several years (or more), plus we just bought a house, so I think we
deserve better interest rates. I called my accounts personally, but
they don't offer better rates, only a larger line of credit.
|
|
 Car Dealers
I know that you have used these
examples to help people learn and to be aware but you have also just
made every car dealer in the country a crook.
|
|
 Scott,
you have too many credit cards!
I read your article in which you state that you have
80 or so credit cards. I'm not sure why this is
advantageous. I have cancelled all but one card which
I pay in full each month and by no means see my
"options" (to get into debt, I guess) as
being restricted. |
|
Saving
for a Down Payment
 How do
you save money to buy a home when you are swamped with
credit card bills that just seem to suck every last
bit of savings? |
|
|
|
|
Coupon
Codes
|
|
Enter your
coupon code to see valid offers.
|
|
|
|
|
|
|
Subscribe FREE
and you receive the 5-Year
Loan Worksheet software FREE!
|
| "The
DebtSmart Email Newsletter is packed with cutting-edge
strategies for solving credit problems. I highly recommend
it."—Gerri Detweiler, author
of The Ultimate Credit Handbook
|
| "I
received Debtsmart about a month ago
and I love it!!! I learned so much.
Great tips!!! Keep up the good work!"—Vanessa
Keith, Amarillo, TX
|
|
|
|
