Poor Credit Refinace with Cash

This is a community message board forum, it is not a site to apply for any type of loan. Because you registered as a member on here, a debt counselor will be calling you. Maybe he/she can point you in the right direction. Good luck!

dsueth8 - welcome to the forums!

As Lorri mentioned above, a debt counselor will be contacting you within a few days.

In the meantime, you might want to contact your mortgage company as soon as possible and explain your situation to them, if you haven't already. Not paying them at all will certainly lead to foreclosure. Most mortgage companies have repayment plans that will allow you to get caught up, and some have forebearance plans that will help prevent foreclosure. While I don't know if this is true of your mortgage company, it's certainly worth discussing with them before this situation gets any further. A statement was made to me once - "the mortgage company doesn't want your house - they want your money". They truly don't want to foreclose, because it's a lot of work and expense for them, and they have to then attempt to sell your house themselves. It is in their best interest (and yours) to work out a payment arrangment to get you caught up. But if there is no other option, foreclosure is the step they will take.

Are you sure that your credit is that poor already? I would suggest checking your credit report at http://www.firstgov.gov - click on the "consumers" section to find the link for free annual credit reports from all three credit bureaus. It may be that your credit is not as bad as you think.

By all means, post any other questions you may have, and keep us updated on your progress.

Welcome :D Here is some onfo on consolidation, as well as other ways to solve your debt problems, along with a ranking chart for the diferent companies at http://www.debtconsolidationcare.com/ Like the others said, try talking to your mortgage holder and explain that you are trying to get your finances straightened out. They may try to work with you. This is you area of first importance, your home.Then you can look at, perhaps, consolidating all your unsecured debt into one payment with lower interest. Keep us posted..KAren