New ask Hacker News story: Ask HN: Getting a Handle on Debt
Ask HN: Getting a Handle on Debt
2 by iJohnDoe | 0 comments on Hacker News.
Hi Everyone, I have around 100k in debt. It’s various credit cards or small loans with the usual companies we all get junk mail from. My credit is fine, other than just the high balances bringing the score down. Doing a refi or HELOC isn’t an option. My specific questions: Has anyone been through this and figured out a way to consolidate? Anyone find a loan company that is willing to consolidate, even if it’s a high interest rate? I’m basically treading water and not making a dent at anything. Consolidating and getting it somewhat more manageable would help. Haven't had any luck with LendingTree, SoFi, etc. despite their advertisements. I could give them a try again though. Anyone have luck negotiating down balances? Looking for a company that understands the situation and not just running a credit report and denying it. Need a company that understands its for consolidation. I know about the snowball method and other approaches. Looking for any experienced hacks or approaches the HN community have found. Many thanks to everyone!
2 by iJohnDoe | 0 comments on Hacker News.
Hi Everyone, I have around 100k in debt. It’s various credit cards or small loans with the usual companies we all get junk mail from. My credit is fine, other than just the high balances bringing the score down. Doing a refi or HELOC isn’t an option. My specific questions: Has anyone been through this and figured out a way to consolidate? Anyone find a loan company that is willing to consolidate, even if it’s a high interest rate? I’m basically treading water and not making a dent at anything. Consolidating and getting it somewhat more manageable would help. Haven't had any luck with LendingTree, SoFi, etc. despite their advertisements. I could give them a try again though. Anyone have luck negotiating down balances? Looking for a company that understands the situation and not just running a credit report and denying it. Need a company that understands its for consolidation. I know about the snowball method and other approaches. Looking for any experienced hacks or approaches the HN community have found. Many thanks to everyone!
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