Question by ready: Debt consolidation who is a good fitm to get a loan from.?
If i want to consolidate all my debt which is $ 8000 who would be the best banking firm. My credit is not that great (i have a bad debt to raio income but no deliquent accounts. What is the best firm to use. Im looking for the lowest interest rate. I will not go above 10%. I live in Atlanta, GA. I want people who have been in a similar situation to respond. What did you do. No advertisements or sales.

Best answer:

Answer by Michael S
For a bank loan under $ 10,000 you may have trouble finding a rate under 10%. You might want to try a finance company or a local credit union, as they can be a bit more generous on rates.

Know better? Leave your own answer in the comments!

How To Get Out Of Debt

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kirby unbound (320×480 for iPhone)

Image by undergroundbastard

UPDATE: Dunno if you’ve been following the battle over copyright ownership in the comic book industry, but here’s a tight little synopsis, courtesy of Rich Johnston:

The heirs of Jack Kirby, co-creator of Captain America, The Fantastic Four, The X-Men, The Avengers, Iron Man, Hulk, The Silver Surfer and Thor and have sent notices terminating copyright to publishers Marvel and Disney, as well as film studios that have made movies and TV shows based on characters he created or co-created, including Sony, Universal, 20th Century Fox and Paramount Pictures.

Just as the Jerry Siegel estate has done so with rights to Superman, so Kirby’s heirs are looking to regain his share of copyright in the characters and their use in comics and other media. the heirs are using the same lawyers as the Siegels, Toberoff & Associates, who have been fairly successful in their case against DC/Warner so far.

Such claims, if found valid, would begin from 2014 and, as always, its worth noting that Marvel/Disney will still own the trademarks of the characters in comics, and the studios in movies. The likelihood is that, if successful, Kirby heirs would enter into negotiation with Marvel over terms to continue publishing comics based on his work.
Jack Kirby battled Marvel for years over the return of the physical artwork to his comics, and was asked to sign documents that would have irrevocable and specifically signed away rights to the characters, something he refused to do. He also contributed to other creators fights with Marvel, including Steve Gerber, co-creating Destroyer Duck with Gerber in a benefit book over the Howard The Duck deal.

The LA Times’ overview of how Marvel’s IP is leveraged – or, from Disney’s perspective, tied up:

Paramount Pictures has the rights to distribute five movies produced by Marvel Entertainment, including next year’s "Iron Man 2" and 2011′s "Captain America" and "Thor." In 2012, Paramount will distribute "The Avengers" and in 2013 most likely "Iron Man 3."

Marvel currently finances production of its movies through a 5-million debt facility set up by Merrill Lynch in 2005. Disney will likely take over financing of Marvel movies once that deal expires in 2012.

Until the deal expires, Disney will benefit substantially from the movies distributed by Viacom’s Paramount, as that studio keeps only an 8% distribution fee for its services after recouping costs. Once the Paramount deal expires, Disney will be able to receive all of the potential profits, and losses, from Marvel movies not already set up at other studios.

-Sony Pictures has the rights in perpetuity to keep making "Spider-Man" movies. The first three garnered a total of .5 billion in worldwide ticket sales and are key to Sony Corp. "Spider-Man 4" is set to come out in May 2011, and fifth and sixth installments are currently being written.

-News Corp.’s Twentieth Century Fox has rights in perpetuity to make movies based on the X-Men team and individual characters, Fantastic Four and Daredevil. There have been three hit "X-Men" movies, as well as this past May’s spinoff "Wolverine." Movies based on characters Deadpool and Magneto are in development.

The two "Fantastic Four" movies were solid hits as well, selling 0.6 million and 9 million worth of tickets worldwide, respectively. "Daredevil" (2003) took in 9.2 million and was something of a disappointment, while 2005 spinoff "Elektra" was a flop, grossing just .7 million.

-Universal Studios has the rights in perpetuity for its Marvel Super Hero Island attraction at Universal’s Islands of Adventure in Orlando, Fla., which includes rides based on Marvel characters Spider-Man, Dr. Doom, the Hulk and Storm, and features a number of other characters from the X-Men. The company, which is part of General Electric Co.’s NBC Universal, also has a 10-year-plus deal for its Spider-Man attraction at Universal Studios Japan.

It was not immediately clear, however, whether Universal’s deal is exclusive or if Disney can, at some point, produce attractions based on those same characters at its theme parks.

-Lions Gate Entertainment has two projects remaining in its eight-picture deal with Marvel to create direct-to-DVD animated movies based its superhero characters.

-Viacom’s Nickelodeon kids cable network has multi-year deals to air animated series based on Iron Man and the X-Men. Time Warner’s Cartoon Network has a similar multi-year deal for "Super Hero Squad," a series aimed at young children that features the entire Marvel universe.

-Activision Blizzard Inc. controls the rights to publish video games based on Spider-Man and the X-Men characters through 2017.

-Sega has a multi-year deal to make video games based on all of Marvel’s movies currently being produced internally, including Iron Man, Thor and Captain America.

-Start-up publisher Gazillion Entertainment has a 10-year deal ending in 2019 to produce massively multi-player online games, similar to World of Warcraft, based on Marvel characters.

(The reason that Marvel’s IP is tied up in so many directions is that when the comic book industry contracted a decade ago, Marvel, like DC, found its circulation drop precipitously. While DC’s ownership by Warner Bros. gave it not only financial insulation but also distribution synergy, Marvel had no such support and was on the brink of bankruptcy. What to do? Leverage that IP through licensing, a no-capital/high-reward move that made a ton of sense back then, but is no doubt frustrating Disney’s synergistic daydreams.)

As KidShirt notes, the timing of the Kirby estate’s lawsuit is impeccable, what with its disruptive potential for the merger, and sums it up with words I’d wish I’d writ (though with the word litigious instead):

Particularly satisfying as Disney’s lawyers have themselves been amongst some of the most litigative in the past.

(And, one last parenthetic discursion: fwiw, I titled this image long before the lawsuit, prescient bastard that I’d like to be.)

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Question by : Tackling Private/Federal Student Loan debt consolidation with 100% income?
I have a plan this school year, to take out federal student loans, collect whatever grants and scholarships I can, and handle the remaining expenses with a private student loan from who I bank with (Wells Fargo). Then, consolidate those loans, and throw 90%-100% of my income at it automatically for the whole school year.

All things considered, dorm, declining meal balance plan, tuition, and books. I’m looking at total expenditures amounting to over $ 18,000 USD
I earn approx $ 15,000 USD per year at my current job. Living on campus would be cheaper for me than to continue staying in my own apartment.

I figured that if I have things like living expenses already covered by the loans (food, dorm), and I only get like $ 50 for myself out of my paycheck, and the remainder of the money gets funneled at the debt… that would put my credit in a good spot to repeat the process for the next school year.

In turn, if I do this all 4 years, and get my Bachelors in Biology, Id only end up owing about $ 16,000 after 4 years instead of nearly $ 100,000 like many students.

The only thing Id need a little cash for, is transportation (I use my bicycle, and public transportation… car insurance is too expensive), and money for laundry, and a little pocket change to go to the movies with some friends on occasion. Thats why I would want about $ 50 from my paycheck or so.

I think this plan can work, and I’d like any helpful input that everyone might have.

Long-term, I intend to go to medical school and study to be a doctor (GP and cardiologist). I’m not interested in money. I want to do this, because I seriously believe that our government will NOT take the necessary steps to save itself from the “economic globalization efforts” that threaten the U.S. Dollar as our global reserve currency. I sincerely believe that we will find ourselves under the banner of the “Bancor” one day.
If that happens, things are going to change in the U.S. I believe the welfare aspect of our country will be totally shot. No more “helpful handouts” for Medicare, Medicaid, etc.

So I want to be a doctor in order to VOLUNTEER to help the population when those hard times come. People understand that doctors should be paid, even if they are so poor that all they can afford is to bake you a cake and give you their love.

I’m attending Nova Southeastern University. Though I am considering going to a UNCF (United ***** College Fund(ed)) school (Bethune-Cookman?), after I finish my first year at NSU, to get access to more scholarships.

I plan to get married. My girlfriend is still living with her parents in Richmond, VA. So maybe not till I complete my Bio major.

Anyway, does anyone have any advice on my plan?
To answer Mr. Buresh:

Uh, thanks. I’m not actually in an “adverse” situation. I’m just looking for a few quick 2nd and 3rd opinions on my plan, and any extra ideas if someone has any.

Best answer:

Answer by just not that
it sounds like you have will thought out plan, but a few things you need to be aware of.

1. you can’t consolidate private and federal loans together. They will ALWAYS be separated, this is the LAW. So consolidation will never truly exist if you plan on taking out private loans. Honestly, it sounds like you should avoid private loans all together anyway. Private loans will require you to have a cosigner with awesome credit and a very high, stable income. Without that (all four years or more of your school) you won’t get approved for a private loan.

2. You mentioned opting out of the univ sponsored meal plan to save money. If you live on campus in a dorm you can’t do this. They won’t let you. Sorry, no way around it.

3. Your reasons to become a doctor are noble, albeit very naive and child like. Sure, be a doctor and save people lives, but be naked, starving and homeless while doing it? LOL Really? Be realistic, you don’t know how incredibly childish you sound when spouting off that stuff.

What do you think? Answer below!

Question by : Need to Get out of 40,000 debt?
Ok… So here’s my story.. I went to college for medical assistant,ACCELERATED ( 2 year program) I graduated, but havent been able to get into the field after 2 years even after internships and everything.

I came out of that school with the inevitable debt of about 37,000 with my federal loans unsubsidized and subsidized.

I know.. you don’t have to tell me.. im screwed from there but another thing is I have 1 regular credit card ( lower interest )(about 320 total), 1 store credit card ( 29.99 interest) ( about 1200 total ), a gym membership ( about 180 for the rest of the year ), and im paying for my cellphone( 50/ month)

I live with my parents, I dont pay rent atm, and they don’t really help me with bills, cause im 22 , im grown.. but I just need to learn to balance all this out and find out the best way to pay all this off and SOON. I just lost my job over complications, I am unemployed, but just got a work interview with one place i applied for so that might change, still I would be making roughly about 1000 a month ( hopefully ) So.. Anybody have any idea how to handle this, what should i start paying on first, and how much more?
Im just wanting to get rid of this the best way i can…

Best answer:

Answer by Ryan M
Unfortunately, with $ 37k of your debt being student loan debt….bankruptcy is not really an option. Your only options are: 1) Borrow the money from family or 2) work 3 jobs if necessary. And get rid of your cellphone. A cellphone is a luxury you cannot afford.

Give your answer to this question below!

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Debt Consolidation

To find the best debt consolidation loan company, you need to devote plenty of your time in research. With so many debt consolidation loan companies operating in the market right now, you need to take into consideration various factors in deciding which company is best suited for your financial condition.

Finding Debt Consolidation Loan Online – Beware of Fraudulent

Before you apply for debt consolidation loan online, beware of fraudulents. There are lots of online lenders operating in the market right now that cheats innocent people who have a limited knowledge of debt consolidation loan packages. Often, these lenders charge high rate of interest in their debt consolidation loan packages.

Free Debt Consolidation – Should I go for it?

You should go for free debt consolidation because it gives you an opportunity to merge all your loans into one loan.

Another good thing about free debt consolidation is that the rate of interest of new loan is going to be lot lower. With low rate of interest, you will be able to manage your finances in a much better way.

How Does Debt Consolidation Work?

Debt consolidation is the way to go if you are not able to pay the monthly installments of your loans on time. Debt consolidation gives you an opportunity to merge all your loans into one single loan for a much longer repayment term. Even better, there is going to be slight decrease in your interest rates as well. The loans that you may want to consolidate are RV loans, high interest car loans, personal loans and credit cards.

Top Debt Consolidation Loans in US

To get top debt consolidation loans in US, you need to have a proper understanding of the loan market. When you can evaluate the market condition correctly, you are going to get a best possible debt consolidation loan deal. Debt consolidation loan is the way to go if your main objective is to get rid of all your previous debts.

Understanding Non Profit Debt Consolidation Loan

There are lots of choices available for you with regard to repayment of debts. A credit counselor could advise a financial institution to interact with the creditors to give them an opportunity to pay the loan at lower rate of interest. Further, they will also motivate the borrower to ask for more time to repay the loan amount.

Unsecured Debt Consolidation Loans – An Alternative

Getting out of debt is not easy but if you follow a disciplined approach, you can easily attain this objective. With unsecured debt consolidation loans, you can get rid of all your previous debts without worrying about your credit rating. People with bad credit can also get an approval for unsecured debt consolidation loans. However, these people may need to pay much higher interest rates in comparison to those with good credit rating.

Top 10 Debt Consolidation Loans

Merging all current loans and debts into a single monthly installment is the most cost effective way of handling debts. It keeps the borrower from being pestered by creditors and can lead to a peaceful life by saving considerable amount of money. Debt consolidation loans can be a great help but they need to be handled responsibly. By doing so, the debt can be cleared faster and a debt-free life can be led.

Credit Card Debt Consolidation: Don’t Let the Ads Fool You

There are various companies that offer credit card debt consolidation. Credit card debt consolidation is not the same as a debt consolidation loan as it involves more debt settlement and counseling related to credit cards rather than lending any money. Credit card debt consolidation is predominantly negotiating with credit card companies to decrease the interest or the overall payments.

Debt Consolidation

Debt consolidation loan is where all outstanding debts and bills are combined into a single loan or mortgage account. Debt consolidation takes the place of multiple existing loans and bills with a single consolidated loan from a new single lender so there is a lower monthly installment which is allocated for a longer period of time. The overall interest rate is paid on the current payments.

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