... case was dis missed Well now one of the credit card companies are coming after me,I received a certified letter from my local court with 28 days to respond,I am a stay at home mother of three with still no income,the debt was in my name not my husbands,and he refuses to help,he was not aware of this debt,I have no bank account,but my name is on the deed of our home also Since his and my name is on the deed will they put a lien on our home,his name is on the debt?We live in Ohio I have no money to file for bankrupcy or get a attorney,I tried to call the attorney for the credit card company to see about making small payments on this debt of 4500.00,they will not call me back Will I be able to represent myself and tell them I have no income,and my husband only makes enough to cover the bills What are the chances of them going after my home,will they make me sell Thanks for a ...
... asked: My Discovered card has offered me a personal loan to pay all of my credit card debt on one bill. They quoted me 12.9 % @ a fixed rate for a $20,000 loan. Well, my credit card rates range from 8.7 to 10.9 (variable). Discover told me that even though the rate is higher I would be able to pay off my debt faster. And any additional money paid would go straight to the principal. And my credit score may increase because I would free up my credit card debt. But I don’t know. Right now I am paying the min on my credit card bills @ $550 a month and the Discover loan would be $540 a month and I would have my debt paid off in 4 years. What do you think ...