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BSREVO
03-04-2004, 02:54 PM
im seriously thinking about doing this. i owe a couple thousand on a few credit cards. i talked to a guy on the phone and he told me i would be debt free in less than 4years!!!! anyone done this? thanks justin

rEdEvO8
03-04-2004, 03:25 PM
I'm looking into doing this. But I cant find a place that will be willing to lend a helping hand. Who are you trying to go through? Every place that I have checked out asked in I had a house and then I can get a loan to pay off my dept. But I dont. So I'm stuck. How was this guy able to help you? What steps do you have to take to be dept free in 4 years? Are they giving you a load to pay them off and just have one small payment? :?:

sidewaysevo
03-04-2004, 03:47 PM
i had about 6g's in debt. and i went to my credit union, and they gave me a loan. 275 a month for 2 years.

Absinthe
03-04-2004, 04:32 PM
sideways evo did it right. Pay off the debt with a loan and then pay the loan off the other consolidation and counciling methods can still show up on your credit report, which is bad.

rEdEvO8
03-04-2004, 04:53 PM
How would someone with a low credit score be able to get a consolidation loan? You guys know of a place that I can look up?

sidewaysevo
03-04-2004, 05:47 PM
i am pretty sure any credit union can do it. to help is close the accts. about 2 months before. then they will see that and most likly give u a loan . that what i did

rEdEvO8
03-04-2004, 06:15 PM
What was the name of the credit union you went through?

sidewaysevo
03-04-2004, 06:19 PM
partners credit union

rEdEvO8
03-04-2004, 06:21 PM
Is this them?
Partners Federal Credit Union
2190 Towne Centre Place
Anaheim, California 92806

mprtklr
03-04-2004, 06:56 PM
i did the same thing as these guys, pulled out a personal unsecured loan and paid them off. just be careful of the notice that you have no credit card debt and start using them again, cause then you have high credit cards AND a loan to pay off. so stop the viscious circle.

drwn kix
03-04-2004, 08:55 PM
Call the Terminator. He convinced California that the best idea is to borrow a lot and keep spending more than we are taking in.

mprtklr
03-04-2004, 10:13 PM
hey you mean the Governator....

hey at least california can have the honor of saying "my governor can kick your governers ass"

sidewaysevo
03-04-2004, 10:34 PM
yep that is the one

rEdEvO8
03-05-2004, 09:59 AM
I called them, you have to be a ex-disney cast member, current cast member or have family that works with disney. So that I dont meet thier requirements, I have to look else where. Damm, if you guys may know anywhere else I can check out, please let me know. Thx.

sidewaysevo
03-05-2004, 11:14 AM
try octfcu. i think u will be able to get in there. i was lucky my brother used to work at disneyland so he got me into the credit union

rEdEvO8
03-05-2004, 12:59 PM
Thanks sidewaysevo, I give it a try.

sidewaysevo
03-06-2004, 11:02 AM
yea its diffently worth it. in another year i will be debt free