How do I roll up my debt into my mortage loan?
Answer:
you got some replies but here's some great reading, might take you a while though:
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http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com.
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I don't know whose answer you're referring to, but the only way to deal with your situation is to refinance, if you can, for an amount that includes paying off your other (unsecured) debt. That is dumb, because your debt may be causing you problems, but only the mortgage can be foreclosed.
From what you have said, if you qualify for a c. 13, you can save your house and get rid of the unsecured debt.
Don't believe the morons on Yahoo! who tell you not to file bankruptcy. They are ignorant baboons. Consult an experienced bankruptcy (chapter 13) lawyer.
You're in trouble. My first thought was that you could either re-finance the first mortgage, or (probably better) obtain a second mortgage (equity credit line). But if creditors have grabbed your car and credit cards, that will be more difficult to make work because your credit rating will be bad. First, talk to your banker about the situation and see if they think you should see a credit counselor. Second, be prepared to sell the house quickly if the bank and/or counselor recommends it. Get the current value from zillow.com, discount that by five to ten percent, and it will sell quickly.
don't know where you live, but I agree..you need local advice..you didn't give enough info for anyone to give specific advise...essentially, if you have equity or credit you can borrow against that..add up what equity you have, versus debt...sometimes bk is best...also consider how you got in this situation.no judgement..bad things happen..you gotta start where you are and plan, looking forward...
Ways to Consolidate Debt
http://www.debt-explained.com/category/w.
I had 3 different loans and trying to juggle all the payments with my wage was a little impossible so I had to consolidate these loans this process is called debt consolidation.
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is an online ebook I found after doing a google search :
http://umgarticles.atspace.com/debt-cons.
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