creditors and liens on real property

Posted on: 22nd Sep, 2009 09:33 am

I almost lost my home earlier this year to foreclosure but was lucky to save it. In the meantime, I had 4 credit cards that I had let slide along the way of struggling with my home. One of them was a certain computer company that is now threatening to put a lien on my home. I am in the process of trying to catch up on everything and am looking for a second job to help resolve this. I thought about CCS, but this particular company does not allow you to consolidate. I don't have enough in my home to use it to get a loan and since I let things slide so bad, I have very bad credit.

Does anyone have any suggestions for any of this. I made the debt, I want to pay it off, but I feel like I am out of options on this. I don't want a lien on my home either!

Thoughts? Suggestions?

Thanks in advance for any help.

:cry:

Total Reply : 4

Hi dakota_cheyenne,

Your creditor can very well refuse to deal with a third party who is helping you to consolidate your debts. In such a situation, you can directly contact the creditor and negotiate for a repayment plan. Your creditor must be having some hardship programs which might help you in paying off the debts easily.

Thanks

jameshogg

Posted on: 22nd Sep, 2009 11:43 pm

Dark

you need to call these people and negotiate some payments tersm

I think if they knwo that you are willign to pay, then they might offer you some payment plan

sunnyca2009

Posted on: 25th Sep, 2009 06:12 am

discuss it with lender & finalize prepayment plan

greggwyburn

Posted on: 25th Sep, 2009 10:27 am

I think thats a good step as of now

sunnyca2009

Posted on: 26th Sep, 2009 02:54 pm