Posted on September 18, 2009 at 12:15 am i need to hear from a credit expert who can help me with my situation here. thanks

Posted on September 18, 2009 at 12:45 am Well I certainly would not claim to be a credit expert, but I hope I can help you. Could you fill us in on your situation?

Posted on September 18, 2009 at 2:32 am I have $66k total unsecured debt amount, plus another amount due for my rent. I am working and studying at the same time. I want to get out of school just so I can try my hand at getting another job and get evet=rything taken care of.Any credit expert advice will help me too

Posted on September 18, 2009 at 3:07 am Aren't Suze Orman and Dave Ramsey examples of what one can call "credit expert?"

Posted on September 18, 2009 at 3:28 am Nait Saint: I do not claim to be a credit expert either, but your rent is an essential debt, meaning you need to prioritize that. You run the risk of losing a place of shelter if you're not able to get that taken care of.Do you still have disposable income for rent to be taken care of?What can be done with the unsecured debts is to consolidate them thru a debt settlement. If they are behind on payment, it will be the best way to get them out of your hair.

Posted on October 6, 2009 at 10:18 pm wow been a while since i've been here, well i still need credit expert advice, not much luck with my debt either.i have a meager amount of salary to begin with, and i have only enough to go by day by day.can you tell me also more about debt settlement?

Posted on October 7, 2009 at 1:58 am Hannah Nicole: Suze Orman and Dave Ramsey are what people do consider as "credit expert," and both of them have varying techniques in eliminating debt. The most glaring difference in their methods is their way of making payments on your credit cards. Orman stresses the importance of tacking the accounts with the higher balances and interest rates first, while Ramsey propagates doing the opposite, saying that it would be more helpful for a debtor to pay for their loans with the least amount of interest first.We personally do not claim to be a credit expert nor are we laywers, but we do the best we can to be of help to you all on this forum.

Posted on October 15, 2009 at 12:25 am Nait Saint: if you go the debt settlement route, you will be paying for just a portion of your total debt amount, and the remainder of the amount will be forgiven. You'll be given a fixed time period to complete the settlement amount, which is typically a year to 18 months.Hope that helps in your search for credit expert advice!