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      > Thanks for the info. My husband is going to seek a PT job and I have

      > agreed to do most of the yard work this summer, so he can work the extra

      > hours. We won’t spend a lot of time together, but we will be able to

      > pay more on the debt as well without making any new bills. That alone

      > will help! We are also going to credit counseling. Our home mortgage

      > has a great rate, and refinancing would only come at a higher rate, so

      > we are not going that route.


      > Pray with us for our success. We will keep looking for ways to cut,

      > cut, cut. We are going to sell off some things too. Does anyone know

      > a less fee heavy way than eBay that still reaches a wide audience, and

      > eliminates that “will you take this instead” thing?


      > Thanks!


      > Herlean


      > ladydressmaker <> wrote:

      > I’m brand new to the list, just a few hours on it in fact. But we

      > recently found ourselves in a similar situation. I contacted the

      > company that had my mortgage and over the phone, with email, faxes and

      > such got a low interest second mortgage. No fees, appraisals or

      > anything and I didn’t have to give up my dream home. Because they

      > already had the first note they gave us lower interest rate, plus we got

      > an even lower one when I agreed to an automatic debit to the

      > account the fifteenth of every month.


      > Even if you recently got a home equity loan it might well be worth the

      > phone call to your mortgage company to see what they recommend. It

      > lowered our bills $600 per month and will be paid off in 10 years.


      > If you truly have absolutely no equity left to get a bill

      > consolidation loan with maybe you could check with credit counselling.

      > My mil did and they negotiated with all her creditors to where she has

      > one monthly payment that is automatic (she got a lower interest rate

      > that way) from her checking. It will pay off all her credit card debt in

      > 5 years. The rates negotiated for her were extremely low and it was a

      > free service.


      > Either way I’d stay away from a condo, they come with all sorts of

      > restrictions and problems, plus if one person causes any damage to the

      > units all pay for them. Jan who is determined to pay off her 10 year

      > home equity loan in 5 years in OK

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