What are the pros and cons of a equity line of credit?

I am trying to do some debt reconciliation and a friend of mine suggested I checked into a equity line of credit (borrow against the equity built up on my house), is that a good idea??? what are the pros and cons of it, as opposed to just keeping my debt on my credit cards?

What are the pros and cons of a equity line of credit?

Pro is you will probably get a lower interest rate.

Cons are you will have more debt against your home so you could lose your home over what is now unsecured debt.

When you sell your home you have to pay off the HELOC so may not have enough money to buy a new house.

You may start thinking you aren%26#039;t in debt because you only owe on your house and then run the other debt back up again.

The pain of credit card debt helps you learn to stay out of debt. You can pay off the highest rates first to lower your average rate or transfer to zero rate offers if you have good credit. If you don%26#039;t have good credit you are very likely to run the cards back up.

Unsecured debt can be discharged in bankruptcy or the credit card companies may accept less if you get in real trouble but you mortgage is forever.

What are the pros and cons of a equity line of credit?

You only pay interest on the amount you borrow, and as you pay back the principle, the credit is there for you to borrow again. The interest rate will be higher than a straight refinancing, where you can take some of the equity out, but less than most credit cards. Regular refinancing may give you a lower interest rate, but you pay interest on the full amount you take out whether you use it of not. With a line of credit, you make two payments as opposed to only one with refinancing. The two payments combined will be higher than the one.

What are the pros and cons of a equity line of credit?

HELOC interest MAY be deductible on your taxes where revolving credit is not. If you file short form, not much use to you in taxes. It%26#039;s good for home improvements or very short-term loans (like waiting for a big check to clear the bank but needing the funds immediately; in other words, pay it off in a month or two while you wait for funds to clear) HELOCs used for the purpose of paying off credit cards can be useful IF you don%26#039;t just turn around and run them up again. Then you%26#039;ve twice the debt and a second mortgage on your home. If you have the self-discipline to not continue using the cards (cut them up and cancel them!) then it%26#039;s ok assuming you%26#039;re not in an ARM with no limits or very rapid stepping or a high rate of interest even if it%26#039;s fixed. Another thing to consider is paying off the credit cards as rapidly as possible and even discuss with the card holders a reduction in rate. Good luck but think long and hard before using your home equity just to pay off existing debt unless you change your spending habits.

How much do you owe on credit cards/loans etc.?

I have 鎷?1k debts now - 3 credit cards, and 2 loans. I wondered if this is normal at the moment - this is huge compared to my income - are you the same?

How much do you owe on credit cards/loans etc.?

You have got one big financial problem, get some professional advice, %26#039;cos you need it.

How much do you owe on credit cards/loans etc.?

Speaking from my very heart, I owe absolutely nothing at all. I%26#039;ve always been very frugal in life and my motto is %26quot;if I can%26#039;t have it in cash, then I can%26#039;t afford it at all%26quot; and believe me my friend it%26#039;s served me well.

How much do you owe on credit cards/loans etc.?

i owe no money to no one

How much do you owe on credit cards/loans etc.?

I have 鎷?k of debt.....鎷?,000 left of my student loan to pay off (i%26#039;ve paid back 鎷?,000 already) and 鎷?,000 overdraft.

Unfortunately debt is increasingly common in the uk at the moment...good luck in getting out of your debts! Remember if you cant afford it, don%26#039;t buy it! It took us too long to realise that...

I%26#039;m not too worried about my student loan as it was for education but the overdraft was my own greed. If you need help getting out of debt (believe me you will feel so much better!) the Citizens Advice Bureau can help you sort of your finances.

How much do you owe on credit cards/loans etc.?

I run up about 鎷?,000 each month on my credit card and pay it off each month. I%26#039;m lucky enough that that is my only debt.

How much do you owe on credit cards/loans etc.?

If its a lot compared to your income it%26#039;s not good. I owe relatively little compared to my income. I%26#039;m scared stiff of debt, it%26#039;s like a trap, and I%26#039;m not going to put myself in it.

Stop trying to get fun out of buying things. Plenty of things are free.

How much do you owe on credit cards/loans etc.?

About 鎷?000 - nowhere near you! You have a lot!

I don%26#039;t think its normal.

How much do you owe on credit cards/loans etc.?

nothing to any banks but I owe my parents 2 grand and my auntie 3 grand. No idea when I%26#039;ll be able to pay that back...

(Luckily it%26#039;s not urgent and there%26#039;s no interest to pay either)

How much do you owe on credit cards/loans etc.?

i owe about 15k..... its a sorry state of affairs huh

How much do you owe on credit cards/loans etc.?

About $63,000 U.S. We will never be able to buy a home. We are so screwed.

How much do you owe on credit cards/loans etc.?

My car loan ends this year about 鎷?,000 on that

1 credit card 鎷?,000 on that

How much do you owe on credit cards/loans etc.?

Debt,tick call it what you want is a curse on society.

People who have and use these are keeping the

banks profits at record profits,cut the buggers up.

I owe nowt to nobody and you my friend are living

beyond your means and it will all end in sorrow.

How much do you owe on credit cards/loans etc.?

I dont owe anything. I%26#039;m not sure how your debt compares to others, but you should see a financial advisor or the CAB. That sort of debt will only get bigger.

How much do you owe on credit cards/loans etc.?

I%26#039;m in Australia and I%26#039;ve got a personal loan, 3 credit cards and a car loan totalling $47,000 AUD (or 21,000 pounds), not quite as much as you, but I%26#039;ve also got a home loan on top of that. That%26#039;s quite a fair debt, and no I don%26#039;t think it%26#039;s normal.

How much do you owe on credit cards/loans etc.?

no all i owe is my mortgage

if i cant afford it i dont buy or borrow for it

my bro on the other hand owes around 42grand

How much do you owe on credit cards/loans etc.?

Believe me people have more, we had about the same as you and took on an IVA, it lasted 5 years and we paid a managable monthly payment each month for the term and are now debt free. Sometimes that is the only solution.

How much do you owe on credit cards/loans etc.?

Nothing!

I have a Marks %26amp; Spencer credit card because it gives me points with which I can %26quot;purchase%26quot; ready meals for canal boating, but it is paid off automatically, every month.

No mortgage (it was an 鎷?1,000 one but we paid it off), no loans.

I buy my clothes in Sales and usually base our meals on %26quot;reduced%26quot; items in supermarkets (saves having to plan meals!). Do a lot of my food shopping in Aldi and Lidl.

Car is an %26quot;M%26quot; Reg so isn%26#039;t depreciating.

Holidays %26amp; weekend leisure mostly based around an 8-year old, 30%26#039; canal boat. (costs about 鎷?,500 p.a. to run and we use it as a weekend cottage as well as weeks away) - it%26#039;s a pretty good social life as well.

I bought a 2-week time-share many years ago so Foreign holidays are pay the maintenance charge of 鎷?50 p.a. and find a cheap flight.

How much do you owe on credit cards/loans etc.?

None!I ripped mine up 2 years ago!!

How much do you owe on credit cards/loans etc.?

i was up to about 鎷?0k, I lived on credit so I could work part time basically, to get out of the rat race. Then I did an IVA, and had 鎷?0k written off. When I get my credit rating back I%26#039;ll probably do it again, no bank is going to make a fortune out of me, they%26#039;re suckers for giving it to me just like other people are suckers for paying so much in mortgage and card interest. People are so frightened of debt, what%26#039;s the worst that can happen? the banks control us with this silly fear.

How much do you owe on credit cards/loans etc.?

I%26#039;m terrible, I have lost track of it all, not paid any of it for months, I have a car loan, one normal loan, 3 credit cards, and I owe my parents a bit. I%26#039;m screwed...

How much do you owe on credit cards/loans etc.?

Hey don%26#039;t worry about it, it%26#039;s only figures on a page, no debtors prisons any more. Take as much as they%26#039;ll give you, they%26#039;ll only have to write it off anyway...

How much do you owe on credit cards/loans etc.?

If the banks are mad enough to lend you this much money then they deserve all they get. If you can%26#039;t pay it off you%26#039;ll have to go bankcrupt or do an IVA, no big deal, I know lots who have done this, and you get half of it written off so it%26#039;s actually coming out of banks profits and serve them right! if everybody did this maybe they%26#039;d act more responsibly, they only lend people this much money because they know people live in fear of them and their demands for their ridiculous interest rates. S*d %26#039;em, it%26#039;s about time they got real as well as borrowers.

How much do you owe on credit cards/loans etc.?

Way to go! Take as much as you can - the banks deserve people like you, I hope you never pay it off and you cost them a lot of money - I blame the banks for situations like this entirely, greed greed greed.

How much do you owe on credit cards/loans etc.?

Hey Dude don%26#039;t let the banks control you by fear. so many people owe this much and more, eventually when nobody can pay it back, the banks will have to take responsiblity for their own greed. Fear is their tool, don%26#039;t let them use us.

How much do you owe on credit cards/loans etc.?

3 years ago, my partner and I owed around 鎷?0,000 not including mortgage or household bills. All on credit cards and loans. CAB worked with us and now we are debt free. We still have mortgage etc.

We had 3 kids and 1 income. (now have 4 kids). Still only have 1 income, but we live within our means and budget. budget, budget.

PS if you own property don%26#039;t ignore your debts. If you live in rented property, there is possibilities you could write of some of your debts. CAB will advice you, Don%26#039;t ignore any of your debts it will just get worse.

How much do you owe on credit cards/loans etc.?

credit card about 鎷?00 and no loans...this is probably the norm in the UK...we are in so much debt

How much do you owe on credit cards/loans etc.?

I owe diddly squat !!!!!!!!!!!!!!!! on credit cards.

never have never will....

How much do you owe on credit cards/loans etc.?

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I heard on radio 92.1 Richarmond,Va. about a nonprofit org. that can get rid of my credit card?

AND HOSPITAL DEBTS. CAN SOMEONE HELP ME . I HAVE NOT WORKED IN MONTHS AND I AM UNDER A DOCTOR%26#039;S CARE. WHEN I WAS WORKING I COULD ONLY FIND PART-TIME WORK IN MY HOMETOWN?

I heard on radio 92.1 Richarmond,Va. about a nonprofit org. that can get rid of my credit card?

You would have had to get the extra insurance that is offered with every credit card or loan out there. Its disablity insurance that states your minimum payment will be made in the case of a illness. Since you didn%26#039;t get that, you really don%26#039;t have any protection. You will have to suck it up and call them and talk to them, you will have to give them copies of your med- bills- you will have to continue to prove to them that you are ill and not working. They can freeze accts til your better but they will require proof

Please help with my bad credit. =(?

My score is 522, I put a mini sample of my report at the bottom of the page from experian. I have not paid on any of my accounts in about 5 years and all delinquent accounts fall off in 2010. (accounts were in good standing prior for about 2 years) Most past due accounts are written as %26#039;charge offs%26#039; and I don%26#039;t know if it will help my credit to pay them or if its not worth it if they drop off anyways. The only thing good on my report now is a $75 walmart card and a student loan that just went on there (I%26#039;m not due to pay on it yet). I was thinking of adding a pre paid credit card from my bank (US bank) to boost my score. My idea was to start new good credit now that will stay on my report beyond the time everything bad falls off. If I need to pay some things off, which should I first- collection, installment, or revolving? I%26#039;m trying to get an apartment but my bad credit is not allowing me to! I really want to fix it but cant just pay it all off at once and I%26#039;m worried if I make payments it will change the drop off date to another 7 years..Also, if I make payments they won%26#039;t likely defer the interest (which is almost half of the charge for many) like they will if I pay it off in one big payment (just cant do that with all of them all at once) Please help, I am lost =(

thanks so much

Credit Profile

Percentage of credit currently available 100%

Satisfactory accounts 14

Now delinquent/derogatory accounts 1

Was delinquent/derogatory accounts 4

Public records 0

Number of inquiries 5

Debt Profile

Real Estate debt (mortgages) $0

Revolving debt (bank and retail cards) $488

Installment debt (fixed payment loans) $5,470

Other debt $0

Collection debt $1,696

Your Approximate Total Debt $7,654

Please help with my bad credit. =(?

I can help. First, it%26#039;s not the end of the world. Yes, it%26#039;s possible to fix your credit yourself. With a little hard work and perserverance, and patience, you could get it back up there. What you have to understand is what makes up your credit score:

1. Payment history- 35%

2. Total debt owed to avialable credit ratio-30%

3. Length of time establishing credit-15%

4. Types of credit established-10%

5. Inquiries and New accounts-10%

With that in mind, this is some steps that you should do in order to get yourself in a better financial position to rebuild your score:

1. Open a checking and savings account- while this won%26#039;t directly affect your credit score, it does many things. It re-establishes a relationship between you and a financial institution, which by being an customer in good standing, could help make it easier to get approved for credit cards and loans. Most importantly, by opening a checking account

it gives you the single most powerful tool in building credit, to help pay your bills on time, especially if the bank offers online billpay.

2. Gather ALL your credit reports- It%26#039;s important to know exactly what%26#039;s on your reports. A lot of times, people believe that their credit is so bad, that they don%26#039;t bother to check their reports for mistakes, and trust me, mistakes DO happen. The credit bureaus don%26#039;t get paid to be accurate, they get paid to report. It%26#039;s important that you gather reports from all 3 agencies to determine not just who and how much you owe, but to make sure that what%26#039;s on there is even correct. If you do happen to find something that you%26#039;re sure is not right, you should dispute with all 3 agencies, they all have an online dispute feature in which you can dispute the item. Once you%26#039;ve made sure that there%26#039;s no inaccuracies on your report, then you should arrange your debts from most recent and lowest amount to oldest and highest amount. Debts that are newer than 2 years are hurting your score the worst and should be handled first. What you should know that just paying off debts, especially collection debts will not help your score. A %26quot;pay to delete%26quot; or %26quot;deletion payment%26quot;, which is a payment in exchange for removing it from your report completely. I posted several links that explains this more in detail.

http://www.creditinfocenter.com/debt/set...

http://www.creditinfocenter.com/debt/neg...

http://www.creditinfocenter.com/debt/Can...

http://www.creditinfocenter.com/debt/Act...

http://www.creditinfocenter.com/debt/deb...

If you%26#039;re sucuessful, this will help your score.

3. Open new credit- I had mentioned in #1, about opening a checking and savings account with a bank or credit union, I%26#039;m going to tie that in with what I%26#039;m about to say. Some major banks (Bank of America, Wells Fargo, USBank, Orchard Bank) and some credit unions offer secured credit cards, which are credit cards that require a deposit to establish credit. Whatever you deposit would be the credit line, for example, if you deposited $300, then your credit line would be $300. The deposit isn%26#039;t used to pay for what%26#039;s purchased on the card, you would still need to either pay in full or make monthly minimum payments. The deposit is used only if the account becomes delinquent and goes to collections. A couple of good things is that you can increase the credit limit by adding to the deposit, which can help your score because it creates a much needed cushion between the total debt that%26#039;s owed and the available credit, and also the deposit is sometimes linked to a savings account which earns interest while you%26#039;re building credit, so the deposit isn%26#039;t just sitting there. A good way to build credit with the card is to make small purchases ($20/month max) and pay it off on time every month, while adding to the deposit. Usually after a year or so, of paying it off on time, the card either converts to a regular card or it%26#039;s upgraded to a better card, and most importantly the deposit isn%26#039;t needed anymore and it%26#039;s given back. My suggestion would be to open another secured card and repeat the process or open 2 at a time, which would speed things up. If you make small purchases, pay it off and increase the limits, that will really help your score. In the end, you%26#039;ll have 2 credit cards with decent limits and an emergency fund from the deposits.

4. Enroll with PRBC- PRBC is America%26#039;s Alternative Credit Bureau, providing a helpful service to the over 50 million people with limited or no credit history. If you pay your monthly bills on time, PRBC can help you build credit to qualify for a mortgage and better interest rates.On-time payments for the following bills are not reported to the traditional credit bureaus:

Rent

Cable

Phone

Daycare

Insurance

Electric

Natural Gas

Cell Phone

The only time your payments for these bills are reported to the other credit bureaus is if they%26#039;re missing or late.With PRBC, your on-time payments count. You build credit for paying your bills on time, even if you have no credit history. PRBC has teamed up with Fair Issac, the creators of the FICO score to introduce the FICO expansion score which helps people build credit. Here%26#039;s a link that explains more in detail:

http://www.fairisaac.com/fic/en/product-...

Please help with my bad credit. =(?

Pay on time, or early, in the future.

Please help with my bad credit. =(?

I am not sanguine.

I got into trouble a few years ago, when I got diagnosed with cancer & got behind on my credit c

al insurance, couldn%26#039;t work like I did before, and you do the math. I moved out of state to be closer to relatives near a home I owned outright. I am still not working, but am hoping to do so soon. I have these outstanding debts, which I would like to clear up and now think I can take the stress of doing so. A friend said I should let sleeping dogs lay, but I am worried I could lose my home to a judgement even though the credit cards are considered unsecured debt. Whats the best way to find out who I owe what to? Can I negotiate a settlement? If one has secured a judgement can I try and still negotiate a lessor amount or am I stuck with a judgement? Is there anything I can do to make this right (of course without paying a whole bunch of stupid late fees, interest, and overlimit fees)? Thanks!

I got into trouble a few years ago, when I got diagnosed with cancer %26amp; got behind on my credit cards, no medic

I would suggest gathering all of your information and individually calling each one and see what their policies are and how they%26#039;d be willing to work with you. As harsh as it sounds, don%26#039;t expect them to be very helpful when it comes to money not very many people have sympathy. I know that if you have a secured judgement you%26#039;re stuck with that! Good Luck!

I got into trouble a few years ago, when I got diagnosed with cancer %26amp; got behind on my credit cards, no medic

A lot of cards will lower their interest rates. ALso try one of those free consumer credit agencies who will work as a go between with you and the card companies. I know people who used them and the agencies got some of the card companies to eliminate the finance charges outright and even reduce the amount owed. Good luck.

I got into trouble a few years ago, when I got diagnosed with cancer %26amp; got behind on my credit cards, no medic

you can pull your credit report free once a yr. It will show all your creditors. A judgment once placed you wont be able to negotiate sry. It may be wise to file bankruptcy. You wont lose your home car items you own ect.... It%26#039;s not as bad as people think it is. Nobody has to know (friends etc) It also gives you a chance to start fresh. If this isn%26#039;t something you want to do yes you Can contact your deptors and come up with a payment plan. If they accept it they can not refuse it in the future. You will have to make sure every payment is on time or deal will be null Best of luck to you and congrats on beating the C ;) God Bless

I got into trouble a few years ago, when I got diagnosed with cancer %26amp; got behind on my credit cards, no medic

First, %26quot;let sleeping dogs lay%26quot; is the dumbest thing I%26#039;ve ever heard-- she%26#039;s saying, %26#039;sure those are your debts but who cares!!%26quot;

Pull your credit report from all three bureaus and use the contact information on there. Call/write to each and explain the circumstances and what you can afford to pay, and see if they will lower the interest, cut fees, etc. Negotate that they WILL NOT report it as %26quot;settled for less than full amount%26#039; on your report-- that hurts. For smaller bills you can pay outright-- negotiate that they will delete them from your report completely when you pay in full.

I got into trouble a few years ago, when I got diagnosed with cancer %26amp; got behind on my credit cards, no medic

My book explains debt settlement for best results and so you don%26#039;t get hurt by collector%26#039;s lies. See my site below

Is consumerism the dark side of capitalism?

In a bygone era, the golden rule was never create debt unless that debt creates wealth.

Today%26#039;s generation seems to been convinced that the measure personal wealth is the amount of personal debt.

Middle and lower income people are easy targets for companies that market credit. Credit companies offer seemingly easy terms to buy now and pay later. Many people don%26#039;t realize that the pay later period can require as much as 35 years, particularly with credit card debt.

When an individual over extends their credit, society blames the individual for his ignorance. Yet, society never educated that individual on the dangers of spending future earnings or living within their means.

On the other hand, people who manage credit companies are highly educated and would never personally accept the credit terms they sell to others.

Is it okay to allow highly educated people to take advantage of less educated people? Debt doesn%26#039;t eliminate poverty. It creates it.

Is consumerism the dark side of capitalism?

That and price-gauging, pollution, obesity, overspending,credit card debt, and waste.

A grotesque picture for sure.

Is consumerism the dark side of capitalism?

Capitalism is a system that by its own nature cannot ever understand externalities.

Is consumerism the dark side of capitalism?

As opposed to socialism, where their is no excess income to save, or products to purchase? Keep trying. I think it%26#039;s the duty of the educated to separate a fool and his money. They%26#039;ll learn one way or another.

Edit: No...the elimination of entitlement programs eases the pressure for them. Poverty isn%26#039;t a drag on the economy, it%26#039;s the absence of economic activity. Taxes imposed on producers to support looters and moochers drags down the economy.

Is consumerism the dark side of capitalism?

I do have a problem with all the high risk credit being given to those that don%26#039;t understand the concept of interest rates. I receive new credit card applications nearly every day, and you have to really search for the interest rates. It should be required that the interest rates be printed in bold, at the top of application, even some examples of payments at certain credit levels.

Is consumerism the dark side of capitalism?

Its not consumerism, its flat out personal greed. Consumerism also assists in promoting the jobs within the economy.

For economic conservatives, however, the term %26quot;personal responsibility%26quot; got mixed up and became synonymous with %26quot;personal greed.%26quot; For example, I%26#039;m sure you%26#039;ve heard at least one member of the upper crust of America%26#039;s white trash proclaim that a businesses%26#039; only responsibility is to make money - regardless of the cost.

Common Law partner filing personal Bankrupcty how will I be affectedt?

I recently found out my boyfriend who I%26#039;ve lived with for 7 months has an outstanding credit card debt of 5 k.This debt is all on a credit card he had 5 years ago he never paid off and they are now taking him to court. I%26#039;ve been working two jobs to get me and to some extent us out of debt we had incurred when I was off work sick for a few months and didn%26#039;t qualify for unemployment sick pay, and he had been laid off at a greatly lower rate of pay then he would normally make. All debt in my name is paid off, things in his name still aren%26#039;t (we both decided we would pay off out own accumulated debt). He is thinking of filing personal bankruptcy because of this added debt, and the fact he will be laid off in September and I am going back to school. I was wondering how this would affect me, first off at 7 months living together am I considered common law? Will I be ordered to pay any of this off? Will they make me sell my personal possessions I had before him living with me? (computer/car)

Common Law partner filing personal Bankrupcty how will I be affectedt?

As you are not legally married you are not responsible for any of the debt he has accumulated years before meeting you. Common law %26quot;marriages%26quot; are not bound by all of the laws of a traditional marriage. There have been many new changes in the bankruptcy laws also concerning the filing on credit cards. If he has any other assets that can be sold to pay this or if he can make some type of payment arrangements (chapter 13) the credit card debt can no longer be written off in a bankruptcy. He should contact a bankruptcy lawyer to discuss this before he jumps in there. There is no charge for the initial consultation to see what can be done. Good luck to you and your boyfriend. You and your belongings are safe.

Common Law partner filing personal Bankrupcty how will I be affectedt?

If you%26#039;re not married you shouldn%26#039;t have any obligation at all.

Common Law partner filing personal Bankrupcty how will I be affectedt?

What state do you live in? Not all states even recognize %26quot;common law%26quot;, and it%26#039;s doubtful that living together for 7 months would qualify even in the ones that do.

What it will do is affect your joint credit if at some point you do decide to get married, and will affect things that you buy together (house, car, apartment lease, etc.). It shouldn%26#039;t affect anything that is solely in your name, or any personal possessions of yours.

You may also want to take a look at what this says about him and his attitude about personal responsibilities, if this is something that is habitual of his, or if it%26#039;s something he hid from you, or whatever. A lot of relationships break up because of financial problems and challenges.