My wife and I owe about $13,000 in credit card de

My wife and I owe about $13,000 in credit card debt. we also owe about $2,000 in medical payments. We have about $60,000 in student loans. we both have jobs teaching and make a little more than $60,000 a year. we have 2 kids and have lived in our house for about a year. what can we do get get our debt down.

6 Answers

take  a loan for a longer period at a very low interest rate without collacteral. i know who can help you with such loans. email legalloans2011@gmail.com


I would suggest deferring your student loans for a year if they are federal and concentrate on paying off the higher rates debts.  Stay away from a debt management program for now...they will tank your scores and you could still end up being sued.

Set up a liveable budget and stick to it.  Thrift shop for clothes...especially the kid's clothing. They grown out of them so fast, new is not worth it.   No eating out, cut cable down to basic and use netflicks.  Work a second job....can you tutor students?  Coupons, coupons and more coupons for saving on your food budget. One trick I use is I NEVER carry cash....everything goes on the debit card so I can monitor my spending.  I take my coffee/pop/water to work so nothing ever comes out of the pop/junk machines...it all adds up.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

I agree with what the previous posters have said. You can contact with your creditors and negotiate with them. You may try to settle both the credit card debt and medical debt with your creditors. If it seems difficult to negotiate yourself, then you may get help from a reliable debt settlement company. The following link may help you in this regard:
http://www.debtconsolidationcare.com/debt-settlement.html
 


Well, you can enroll into a debt consolidation program to pay off your unsecured debts. Here, all your multiple bills will be consolidated into a low single monthly payment. The interest rates on the loans will be reduced. Late fees and penalties will be waived off. To know more about debt consolidation program, check out the following page:

http://www.debtconsolidationcare.com/program.html

As far as student loans are concerned, you can contact your lender and negotiate an affordable repayment plan. If it is a federal loan and you are working as a teacher in a low-income community, then you may qualify for Income based repayment plan. 


Well, both credit card debt and medical debt can be consolidated. You can even consolidate your students loans. Just get in touch with a debt consolidation company so that you can start off with the single monthly payments. The debt consultant will negotiate with your creditors and ask them to lower the rates on your credit cards so that you can save a lump sum amount of money every month.


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