Debt

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Debt consolidation is simply a process by which an individual obtains a loan in order to use it to pay off other non-secured consumer loans and credit cards.

The main objective is to obtain a low interest rate loan, with low monthly payments, while not adversely affecting your overall credit rating or putting other assets that you may have at risk. In many cases, individuals have numerous credit card and loan debts at varied (but usually high) rates of interest, so debt consolidation is definitely a smart way for these individuals to ease their monthly debt payment obligations, and reduce their long term payback commitments.


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Shannon
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I wish my husband, daughter, and I could purchase a home. It's funny, but I think my husband and I bonded so well because we have similar pasts. Neither of us had a stable home growing up. I used to joke that I had gone to twelve different schools by the time I was in the twelveth grade. My family moved a lot because we were poor. My husband moved around a lot as a child too. His mother passed away when he was four and he grew up living with various relatives.

We'd laid out a plan to get out of debt, but then my husband lost his job. He has end-stage renal failure and is forced to sometimes take a lot of time off from work because of illness. I believe that he was recently terminated because he had to take more than four months off of work due to his dialysis access being infected. When he returned to work he was shunned and eventually fired for "excessive internet usage." This came after four years of employment with this company and no prior disciplinary action in his pervious positions with the same company. He had been promoted three times. His loss of work reduced our household income by half.

Sam was diagnosed with end-stage renal failure when he was about 19 years old. He's a trooper. He's a loving father to our beautiful daughter Erin--who was born 3 months premature, but you wouldn't know that today (she's two). I wish that we could have a home and that's my prayer everyday and my focus. My husband has given so much to our family. Even when he is tired or really ill sometimes he won't let us know. There was a time when he worked two jobs and he had walking pnemonia. He basically worked until he was disoriented and was forced to go to the hospital because he could not breathe on his own. He has a wonderful work ethic. He has always believed in working hard and I just believe that if you work hard you can recognize your dreams.

I don't know if this wish list thing is real, but maybe this is just more of an expression of prayer and a request that someone out there pray with us and for us that God will have mercy on us and bless us with a home for our daughter.

Thank you,
Shannon - good_shannon_hunting @ yahoo . com
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to be continued ...

You never know what the future hold.


Tonya Jumonville
jumonvilletonya @ yahoo.com
I wish I could get out of debt and put money in savings. I have about $4,000 in credit card debt, behind on telephone bill and electric bill. If I could get caught up, I could put money in savings and have piece of mind.

I am a single parent struggling and work full time. I filed bankruptcy in 2002 and thought "I should be okay now". I started using credit cards again to pay on other bills, like telephone and electric. I am behind again and receive about $200. a month in child support. I spend about $400. to $500. a month on daycare alone. I know there are many others out there like me and have worse problems then me. I just wish I could be debt FREE!

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Joy Journey Reward from ...
Compassionate Minded Mature Woman Wanted 4A Wife

• Ready for a family relationship
• Willing and able to have children
• A wife who cares for her family and kids