JordanDunham

JordanDunham V1 [ Registered ]

Uiger No. 29710 Member,Joined at 2016-10-05 02:06:03

  • JordanDunham Recently Comments
  • 2 Years Ago

    Comment to Topic Posted by James Brown › Party Goods Fit For The Season
  •   No living man all things can.
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    Comment to Topic Posted by William Stephenson › Make Audio Books a Part of Your Daily Commute
  •   No living man all things can.
  • 2 Years Ago

    Comment to Topic Posted by Lee Blackm › How to Find a Good Online Tailor
  •   No living man all things can.
  • 2 Years Ago

    Comment to Topic Posted by Julia Rogers Hamrick › Create What You Desire by Experiencing It NOW!
  •   No living man all things can.
  • 2 Years Ago

    Comment to Topic Posted by JordanDunham › Debt and Bill Consolidation Program Lenders: Help With Your Loans
  •   Once you have calculated the affordable amounts to pay each of your creditors on your debt and bill consolidation list you need to contact them to put forward your proposal. If you explain to most creditors that you are performing a debt and bill consolidation but do not want to take out a debt and bill consolidation to compound the issue they are more than likely going to work with you. A debt and bill consolidation loan should always be the last resort.
  • 2 Years Ago

    Comment to Topic Posted by JordanDunham › Debt and Bill Consolidation Program Lenders: Help With Your Loans
  •   The next stage is to work out what percentage of your debt and bill consolidation total each of your creditors represent. It is important to do this to be able to come up with a realistic offer of reduced repayments to your creditors. For example, if your debt and bill consolidation total is $2000 and your repayment to X Creditor is $200 then you take 200, divided by 2000 and then multiply the result by 100 to give you a percentage. In this case the result is 10%. Therefore you know that 10% of your debt and bill consolidation total is due to X Creditor. Now you see what you can actually afford to pay X Creditor from your disposable income. Your disposable income is the amount you have coming in each month minus the essential bills such as mortgage, utilities and food. The amount that you will pay X Creditor is 10% of this disposable income. For example, you have calculated that your disposable income is $1200. To find out what 10% of this is simply take 1200, multiply it by 10 and then divide the answer by 100. The result is $120. Therefore you would be able to afford to pay the reduced rate of $120 per month instead of the $200 that it currently requires from your debt and bill consolidation
  • 2 Years Ago

    Comment to Topic Posted by JordanDunham › Bad Credit Debt and Loan Consolidation Advice
  •   Your credit rating may or may not benefit from working with a bad credit consolidation plan however it is unlikely to make your credit rating worse. Many creditors will actually see that having a bad credit consolidation plan in effect as a sign of you trying to get your finances back on track.

      A bad credit consolidation plan and loan is most certainly a better option than declaring bankruptcy. Bankruptcy will follow you for a long time whereas the bad credit consolidation loan only remains for as long as you are paying it off. Chapter 7 Bankruptcy will be part of your financial history for roughly 10 years. Chapter 13 can be much longer depending on how many years you need to pay off your debts. If you do decide to go forward with declaring bankruptcy, rather than taking a bad credit consolidation loan then make sure you are prepared to deal with the consequences.
  • 2 Years Ago

    Comment to Topic Posted by JordanDunham › Bad Credit Debt and Loan Consolidation Advice
  •   The interest rates of most bad credit consolidation packages are more or less the same and any very low rates that are advertised are for people who have great credit. You need to be sure you know exactly what the cost of entering the bad credit consolidation program is, and whether it will be worth it in the end, so you should inquire about interest charges and any other fees that might stack up during the program.
  • 2 Years Ago

    Comment to Topic Posted by JordanDunham › College Student Credit Cards - How to Choose the Best One
  •   Free gas when you use your college credit card is the best option for students who have their own car. Gas prices are getting higher and some college credit cards offer rewards to help with the rising cost of motoring with rebates against gas station purchases. These free gas college credit cards also offer discounts and points towards other motoring related items so it is worth comparing the different schemes available.
  • 2 Years Ago

    Comment to Topic Posted by JordanDunham › College Student Credit Cards - How to Choose the Best One
  •   Cash back on a college credit card is actually a points system. As you spend money these points accumulate against your college credit card and they can be exchanged for cash, gift certificates or special discounts at popular outlets and stores. The amount of cash back that a college credit card awards may seem small but every little helps and you will soon be racking it up.
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