I have mortgage of $131,000 ($1400 monthly) and debt of $39,000 ($900 monthly) I am unemployed so no income (my fiance pays bills) how do I get out of this? My credit score is 725 so that is good but my fiance's is not good. I have tried to talk to my mortgage company but no good, really want to consolidate it all and have one lower monthly payment, any suggestions would be helpful. Thanks!

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Wow. Is your fiancee paying the mortgage and your debt bills each month? If you don't have a job, there isn't a bank in the world (conventional or supbrime) that is going to lend you money (unless you lie on your application). How much equity is in the house? If you can make any payments to the mortgage company at all, call them and ask for a Forbearance Agreement. This allows a lower payment now, and what you aren't paying now gets added later (usually at the end of the loan, so your 30 year mortgage may end up being 33 years, etc.) If the 39K is debt, call them up and ask for lower rates or settlements. **If you work something out, ensure you have the money to follow through, don't offer up what you can't pay*** At this point, with no income and all this debt, your best bet may be to sell the house if you have equity. If you don't have the equity, take in some roommates if there is space. Sell stuff, get a job delivering pizzas, newspapers. Is the market so bad where you live that there are NO jobs?
Your credit score will be shot if you go into forbearance or your credit card companies take settlements, but I would sacrifice the score to get myself out of the hole if I was in your shoes.

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If you don't have any near future plans of getting a job, then you need to sell the house or cash out the equity or get some people to move in to help with the bills. You have obviously been living WAY above your means if you are that far in debt. Such a shame. I hope that part, if not all of that 39k is a student loan so that you qualify for a decent job.
You could start selling stuff that you really don't need. Cut out the cable/internet and other "fun" stuff. Sell your more expensive car and drive a dependable older car.
Forget about having a large fancy wedding until you get your finances under better control. That debt attached to more debt is bad for a new marriage.

I'm sure others will tell you to just declare bankruptcy, but that is a lousy way to get out of debt.

I know there are place that can consolidate loans for you, but I'm not familiar with any by name.

Best of luck!

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Are you wanting dept management...I can point you to a company that dealt with mine. Someone I know works for them I can pass on your details to a dept councillor to give a call back. You would have to have at least the following to qualify with them tho:

1. You must owe a minimum of £2,000.
2. You must owe to a minimum of 2 creditors.
3. You or their partner must be in employment.
4. You must NOT be involved in a debt management or IVA program with any other firm.

Hello,

If you want more Information about your requirements so visit my signature link it's useful to you.

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debt consolidation

the best thing to do would be to speak to a debt advisor or someone of the same background as they will be able to guide you to the best solution for you. consolidating your debt is always a solution but there are others to such as IVA- look into and you may be surprised in to what you find.

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