Debt management topics https://ttlc.intuit.com/community/lower-your-debt/discussion/02/214 Debt management topics Sun, 25 Oct 2020 23:35:13 GMT 214 2020-10-25T23:35:13Z Is it a good idea to refinance your home to get rid of high debt https://ttlc.intuit.com/community/lower-your-debt/discussion/is-it-a-good-idea-to-refinance-your-home-to-get-rid-of-high-debt/01/1736518#M1195 Thu, 22 Oct 2020 17:17:55 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/is-it-a-good-idea-to-refinance-your-home-to-get-rid-of-high-debt/01/1736518#M1195 crbrlrsn 2020-10-22T17:17:55Z Balance Transfer https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1736283#M1194 <P>my credit score is 621 and i’m trying to get approved to do a balance transfer to a 0% interest APR card but i don’t think i’ll be approved due to my credit score. my current chase freedom card’s 0% interest APR just came to a close this month so i need to transfer before the 24.99% interest rate kills me. any recommendations on which card to transfer to that would allow me to pay off $2,500 worth of debt in a reasonable amount of time? preferably 18 months. thanks!&nbsp;</P> Wed, 21 Oct 2020 19:00:14 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1736283#M1194 shelby_ 2020-10-21T19:00:14Z Personal loan, Debt Consolidation or Balance transfer? https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loan-debt-consolidation-or-balance-transfer/01/1727333#M1191 <P>Which would be more beneficial? If there are 3 credit cards that are above 50% utilized, I would think that consolidating all debt into a personal loan would suffice. One: it would make one manageable payment, two: it would drop your credit card utilization down to 0% thus increasing your credit score. Any thoughts? Thank you for your time!</P> Fri, 02 Oct 2020 11:57:08 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loan-debt-consolidation-or-balance-transfer/01/1727333#M1191 Mike-A 2020-10-02T11:57:08Z Credit Card Settlement Dilemma https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-settlement-dilemma/01/1726527#M1189 <P>I have an old credit card debt that is due to "fall off my credit report" in Dec 2021.</P><P>They have sent me a settlement agreement that I need to respond to in the next 30 days. I can afford the settlement that they are offering, but am afraid of how it will impact my taxes this year. I believe that the remaining unpaid balance will be considered "income" and negatively impact my taxes.</P><P>I have 2 questions really:</P><UL><LI>Is there a difference between a "Satisfied Settlement" and "Charge Off" in regards to my credit score?</LI><LI>Is it best to pay the settlement agreement or do nothing and let it fall off my report?</LI></UL><P>Thanks for your help &amp; input.</P> Wed, 30 Sep 2020 13:44:39 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-settlement-dilemma/01/1726527#M1189 Scouture 2020-09-30T13:44:39Z Manage https://ttlc.intuit.com/community/lower-your-debt/discussion/manage/01/1725395#M1187 Sun, 27 Sep 2020 20:19:03 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/manage/01/1725395#M1187 Sherbear14 2020-09-27T20:19:03Z Strategies to pay off mortgage quicker https://ttlc.intuit.com/community/lower-your-debt/discussion/strategies-to-pay-off-mortgage-quicker/01/1724995#M1185 Sat, 26 Sep 2020 16:59:02 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/strategies-to-pay-off-mortgage-quicker/01/1724995#M1185 Mikegise1 2020-09-26T16:59:02Z Change my lease https://ttlc.intuit.com/community/lower-your-debt/discussion/change-my-lease/01/1716583#M1180 <P>Hi, I have a lease with the car I’m driving now and the monthly payment is like never ending and too high for me right now that I’m not working. What can I do ??&nbsp;<BR />I need a car with a lower monthly payment&nbsp;</P> Fri, 04 Sep 2020 15:14:53 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/change-my-lease/01/1716583#M1180 Oteroamygm 2020-09-04T15:14:53Z How do I pay off debt without banking info? https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-pay-off-debt-without-banking-info/01/1712335#M1178 <P>Hello! My question is how do I pay off a debt to a company I have no banking information for? I owe some money to an apartment complex from 2018, but as of 2020 a new company owns the building. The new company told me to find out who the previous owner is, but the apartment complex isn't much help. Could I just ask my bank or how in the world do I do this?</P> Mon, 24 Aug 2020 17:04:11 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-pay-off-debt-without-banking-info/01/1712335#M1178 JordanL 2020-08-24T17:04:11Z Full Credit Report https://ttlc.intuit.com/community/lower-your-debt/discussion/full-credit-report/01/1708419#M1176 <P>I want to be able to access my info so I can start paying off bill from years ago and upcoming so I can increase my credit score so I can move into somewhere nicer, does anyone have any info on how to do just that&nbsp;</P> Fri, 14 Aug 2020 15:00:43 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/full-credit-report/01/1708419#M1176 hjohn2020 2020-08-14T15:00:43Z Paying off debt https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1704803#M1171 <P>I need to start making payments towards my debt, but I don't have any mail I can find with any of the information. I see what collection agencies have my debt, but how do I get the information to be able to start paying towards it?</P> Thu, 06 Aug 2020 01:09:03 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1704803#M1171 Absolutejoy 2020-08-06T01:09:03Z Paying debt https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-debt/01/1703637#M1164 <P>So, I have 2 accounts on my credit and on turbo there's no way for me to figure out how to start making payments on them. Does anyone know how to start paying off your debt accounts??&nbsp;</P> Tue, 04 Aug 2020 06:54:38 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-debt/01/1703637#M1164 Eyeslikedaggers69 2020-08-04T06:54:38Z "Other" debt? https://ttlc.intuit.com/community/lower-your-debt/discussion/other-debt/01/1666520#M1159 <P>I received an e-mail today stating my "debt in collections" went up to $238, when I had no idea I had any debt beyond my student loans. When I followed the link in the e-mail from Turbo, it lists the debt as "Other" with no explanation or link as to where I actually owe the money. Is there any way I can figure out to whom I owe this, or if it's a fraudulent charge? First image is from the e-mail, the second is from the Turbo website</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="image.png" style="width: 514px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/11337i1152D463872868D1/image-size/large?v=1.0&amp;px=999" role="button" title="image.png" alt="image.png" /></span><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="image.png" style="width: 479px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/11338i0926EEC1A0985370/image-size/large?v=1.0&amp;px=999" role="button" title="image.png" alt="image.png" /></span></P> Thu, 09 Jul 2020 23:04:04 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/other-debt/01/1666520#M1159 brianorwhatever 2020-07-09T23:04:04Z debt https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/1662507#M1157 <P>i am in debt i need to lower my debt so i get a credit card thanks</P> Tue, 07 Jul 2020 23:44:04 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/1662507#M1157 subhkrt108 2020-07-07T23:44:04Z Closing a Credit card https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-a-credit-card/01/1653589#M1156 <P>I have paid off my visa but I still have to pay like $10 a month for fees. I don't even have a card anymore cause it expired and they wanted me to pay for a new one and I won't. I want to close this account but will it hurt my credit score?</P> Wed, 01 Jul 2020 23:00:00 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-a-credit-card/01/1653589#M1156 Jules98903 2020-07-01T23:00:00Z How to fix my debt and fix my crexit https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-fix-my-debt-and-fix-my-crexit/01/1641768#M1152 <P>[phone number removed]... Gregorio&nbsp;</P> Mon, 22 Jun 2020 14:32:20 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-fix-my-debt-and-fix-my-crexit/01/1641768#M1152 Chicodusty13 2020-06-22T14:32:20Z Student Loan Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/1632394#M1142 <P>Will paying off my student loans increase my credit score ?&nbsp;</P> Sat, 13 Jun 2020 19:18:27 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/1632394#M1142 Dhill29 2020-06-13T19:18:27Z Pay off credit card https://ttlc.intuit.com/community/lower-your-debt/discussion/pay-off-credit-card/01/1604797#M1138 <P>Should I get a credit union loan to pay off a credit card?</P> Sun, 24 May 2020 16:57:46 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/pay-off-credit-card/01/1604797#M1138 jenoakes 2020-05-24T16:57:46Z Debt Collector Missing Reported Info on Credit Report, is it Something that I Can Fight? https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-collector-missing-reported-info-on-credit-report-is-it-something-that-i-can-fight/01/1601533#M1136 <P>Hey guys! So I have two debts from Portfolio Recovery. I looked at my report over on Credit Wise which is through Capital One. With both of my reports the following is marked as not reported:</P><P><STRONG>Section Status</STRONG></P><P>amount past due (however I can see this in a different loction)&nbsp;</P><P><STRONG>Section Account Details</STRONG></P><P>account type</P><P>credit limit</P><P><STRONG>Section Payment Details</STRONG></P><P>amount past due&nbsp;</P><P>monthly payment&nbsp;</P><P>payment frequency&nbsp;</P><P>&nbsp;</P><P>There is no reported date any where on the report. No date open. The only thing I see related to date is how long the account was open. Is this something I can fight to have it removed? I see almost next to no info on the debt, other than how much I them, the original lender, the length of the accounts, and the lender.&nbsp;</P><P>&nbsp;</P><P>Thank you!</P> Fri, 22 May 2020 03:26:31 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-collector-missing-reported-info-on-credit-report-is-it-something-that-i-can-fight/01/1601533#M1136 Passie 2020-05-22T03:26:31Z Paying off debt https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1599900#M1135 <P>How can I see a list of all my debt and how much I owe. I tried paying everything I know of but my credit score hasn’t improved at all and I don’t know if I’m doing it right. Please help! [phone number removed]</P> <P>&nbsp;</P> <P>Myk</P> Thu, 21 May 2020 14:34:03 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1599900#M1135 mykdiane 2020-05-21T14:34:03Z How can I pay my dept? https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-pay-my-dept/01/1577410#M1127 <P>How can I pay my dept to AWA collector?&nbsp;</P> Sat, 09 May 2020 10:24:18 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-pay-my-dept/01/1577410#M1127 Nelavee 2020-05-09T10:24:18Z Clean up my credit report https://ttlc.intuit.com/community/lower-your-debt/discussion/clean-up-my-credit-report/01/1574275#M1126 <P>Is there any program that Turbotax can help me to clean up my credit report?</P> Thu, 07 May 2020 23:22:06 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/clean-up-my-credit-report/01/1574275#M1126 Saeed22152 2020-05-07T23:22:06Z Mystery credit card debt https://ttlc.intuit.com/community/lower-your-debt/discussion/mystery-credit-card-debt/01/1564582#M1124 <P>My credit report shows an AMEX credit card with a 7,000+ balance, 14,000 limit and payments of $95/month for over two years and up to date. I have no idea of this credit card and especially a monthly payment which I show nowhere in my records. Please explain.</P> Mon, 04 May 2020 17:04:29 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/mystery-credit-card-debt/01/1564582#M1124 Jfrantz 2020-05-04T17:04:29Z Balance Transfer https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1552225#M1122 <P>Is balance transfer a good option to pay off credit card debt?&nbsp;</P> Thu, 30 Apr 2020 02:22:05 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1552225#M1122 amelia06 2020-04-30T02:22:05Z Hello https://ttlc.intuit.com/community/lower-your-debt/discussion/hello/01/1548861#M1121 <P>How do I pay off something on my credit online ?</P> Wed, 29 Apr 2020 01:08:31 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/hello/01/1548861#M1121 Argarcia396 2020-04-29T01:08:31Z Collection debt https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-debt/01/1527559#M1119 <P>I have multiple different accounts in collections ranging from $200 to $10,000. What debt should I start paying off first? Should I make small amounts to my largest debt or payoff the smaller debts?&nbsp;</P> Thu, 23 Apr 2020 16:48:55 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-debt/01/1527559#M1119 MommaOf02 2020-04-23T16:48:55Z How do I know what debt collector I’m paying? https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-know-what-debt-collector-i-m-paying/01/1502545#M1116 <P>How do I find out contact information for debt collectors?</P> Fri, 17 Apr 2020 19:38:40 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-know-what-debt-collector-i-m-paying/01/1502545#M1116 Mckoifishh 2020-04-17T19:38:40Z Stimulus payment https://ttlc.intuit.com/community/lower-your-debt/discussion/stimulus-payment/01/1490212#M1111 <P>How can I track my stimulus package&nbsp;</P> Thu, 16 Apr 2020 13:07:51 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/stimulus-payment/01/1490212#M1111 Cortney3 2020-04-16T13:07:51Z Paying off my dept https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-my-dept/01/1431406#M1107 <P>How do I start paying off my debt? Like do they still send those cards that I can start paying off my debt I want my credit score higher&nbsp;</P> Thu, 09 Apr 2020 18:31:24 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-my-dept/01/1431406#M1107 OwlWomen2019 2020-04-09T18:31:24Z I have always had a contract with a company and am self employed and all work was completed in the U.S.. I have always been a non-employee for them. Do I still qualify for QBI? https://ttlc.intuit.com/community/lower-your-debt/discussion/i-have-always-had-a-contract-with-a-company-and-am-self-employed-and-all-work-was-completed-in-the-u/01/1388475#M1098 Tue, 31 Mar 2020 21:30:41 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/i-have-always-had-a-contract-with-a-company-and-am-self-employed-and-all-work-was-completed-in-the-u/01/1388475#M1098 davidwilliams 2020-03-31T21:30:41Z Mortgage payment https://ttlc.intuit.com/community/lower-your-debt/discussion/mortgage-payment/01/1352499#M1095 <P>Can I tried to get my mortgage refinance at a lower rate with me just starting a job and been out of a job for six months and also I’m late on my</P> Mon, 23 Mar 2020 21:55:33 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/mortgage-payment/01/1352499#M1095 Robert69friend 2020-03-23T21:55:33Z How can reduce my monthly debt https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-reduce-my-monthly-debt/01/1341114#M1087 <P>I have an Auto loan with high interest rate. I would like to reference it</P> Fri, 20 Mar 2020 19:59:50 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-reduce-my-monthly-debt/01/1341114#M1087 lyndandej 2020-03-20T19:59:50Z F1098 Mortgage Interest Statement https://ttlc.intuit.com/community/lower-your-debt/discussion/f1098-mortgage-interest-statement/01/1332260#M1084 <P>How do I enter F1098, Mortgage Interest Statement??</P> Wed, 18 Mar 2020 18:17:51 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/f1098-mortgage-interest-statement/01/1332260#M1084 Mstrcch 2020-03-18T18:17:51Z Unaware of Debit https://ttlc.intuit.com/community/lower-your-debt/discussion/unaware-of-debit/01/1318508#M1079 <P>After I reviewed my credit report. It has come to my attention that I'm in debit to 2 separate collection agencies. Any information about how to figure out how to go about this would be greatly appreciated</P> <P>Thank you</P> <P>Michael&nbsp;</P> <P>[email address removed]</P> Sun, 15 Mar 2020 14:09:48 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/unaware-of-debit/01/1318508#M1079 Michael Lower 2020-03-15T14:09:48Z How to make small easy payments https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-make-small-easy-payments/01/1237305#M1060 <P>Hello, I am Interested in finding out the easiest way to start making payments on my debt. I am unemployed currently but I was to start somewhere even if it is a very small amount each month. Where do I start? Thank you, Melissa Miley</P> Wed, 26 Feb 2020 20:07:19 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-make-small-easy-payments/01/1237305#M1060 Melissalm687 2020-02-26T20:07:19Z Debt to income ratio https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-to-income-ratio/01/1234247#M1059 <P>When looking up my credit score, I noticed that under debt, it still shows that I owe on a home that I once lived with my ex-husband. He still lives in the home and was supposed to remove my name from the mortgage per our divorce agreement. My current income is very low so my debt to income ratio looks very high. Is that Why my credit score is low ?</P> Wed, 26 Feb 2020 14:00:03 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-to-income-ratio/01/1234247#M1059 Nikkimtz1130 2020-02-26T14:00:03Z Debt and tax return https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-and-tax-return/01/1228149#M1054 <P>Last year, my federal and state refund was garnished for debt I owed. I did end up with about 160$ of my federal return. I figured if I had more debt they would have taken it all. I know my state refunds will be garnished because of fees, and until today I wasn’t even aware of how much more debt I had. Are they going to garnish my federal tax return for the money I owe in debt this year as well?</P> Tue, 25 Feb 2020 17:55:44 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-and-tax-return/01/1228149#M1054 Devans3 2020-02-25T17:55:44Z Where do I my debt https://ttlc.intuit.com/community/lower-your-debt/discussion/where-do-i-my-debt/01/1226885#M1052 <P>Can you direct to where I could go to pay of my debt for CMRE FINANCIAL company</P> Tue, 25 Feb 2020 15:16:58 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/where-do-i-my-debt/01/1226885#M1052 Boobie214 2020-02-25T15:16:58Z Collection Account Sold Again! https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-account-sold-again/01/1226102#M1051 <P>I disputed a collections account about 6 months ago and won, it was a medical debt that was paid by medicaid. Now a new collections account popped up on my report for the same amount, same original Creditor, but a different collection agency. I'm guessing the first collector sold the account to the new collector AFTER I won the dispute. How can they do that and how do I get it to stop?</P> Tue, 25 Feb 2020 10:55:03 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-account-sold-again/01/1226102#M1051 ELB912 2020-02-25T10:55:03Z What is the better assistance regarding the debt settlement? https://ttlc.intuit.com/community/lower-your-debt/discussion/what-is-the-better-assistance-regarding-the-debt-settlement/01/1217915#M1047 <P>The following intuit forum is explanatory and illustrative.In simple words<BR />debt settlement also explained as the debt arbitration or negotiation is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.Not only accounting<BR />but if any sort of help or assistance is required for the accounting support,debt,bankruptcy consult with the most reliable <A href="https://thestepchange.com/debt-information/debt-management-solutions" target="_blank" rel="noopener">debt management solutions</A><BR />They are helping out the clients and enterprise across the globe with 100% assistance for more than a decade.</P> Mon, 24 Feb 2020 04:20:50 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/what-is-the-better-assistance-regarding-the-debt-settlement/01/1217915#M1047 morishka89 2020-02-24T04:20:50Z Debt consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1175807#M1039 <P>I am trying to figure out how far in debt I am to see if I could use a consolidation loan to finally get things paid off but, I can't seem to remember any account details for any of the accounts. Any ideas.</P> Tue, 18 Feb 2020 02:10:38 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1175807#M1039 Hwilkinson2017 2020-02-18T02:10:38Z My debt details https://ttlc.intuit.com/community/lower-your-debt/discussion/my-debt-details/01/1164829#M1033 <P>Is there a way I can see the details/breakdown of my debt and where the balances are coming from, medical bills, school tuition, etc? Thank you! &nbsp;</P> Sun, 16 Feb 2020 16:38:25 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/my-debt-details/01/1164829#M1033 jdorseyt08 2020-02-16T16:38:25Z 2018 Turbo Tax Application https://ttlc.intuit.com/community/lower-your-debt/discussion/2018-turbo-tax-application/01/1156327#M1026 <P>How can I re-download 2018 Turbo Tax Application in order to re-print 2018 taxes after having already downloaded the 2019 application&gt;</P> Fri, 14 Feb 2020 23:12:57 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/2018-turbo-tax-application/01/1156327#M1026 Melba53 2020-02-14T23:12:57Z Dept https://ttlc.intuit.com/community/lower-your-debt/discussion/dept/01/1152777#M1025 <P>How can I lower my dept</P> Fri, 14 Feb 2020 14:08:51 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/dept/01/1152777#M1025 Chichi23 2020-02-14T14:08:51Z Tax https://ttlc.intuit.com/community/lower-your-debt/discussion/tax/01/1139463#M1024 <P>My refund is all done so when do I receive my money on my turbo tax card</P> Wed, 12 Feb 2020 08:24:27 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/tax/01/1139463#M1024 Nazif315 2020-02-12T08:24:27Z Hi https://ttlc.intuit.com/community/lower-your-debt/discussion/hi/01/1132285#M1022 <P>I am first time to use this&nbsp;</P> Tue, 11 Feb 2020 09:39:27 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/hi/01/1132285#M1022 AaronBlades18 2020-02-11T09:39:27Z Paying off old debt already sent to collections https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-old-debt-already-sent-to-collections/01/1117706#M1015 <P>I have about 7 open account ranging in amounts from 500$ to 3000$ they are all about 5 years old. What is the best way to handle this? Is it better to leave them alone and wait for them to fall off or contact the collectors and make payments? I want to start working on my score i jus dnt know where to start.</P> Sun, 09 Feb 2020 08:02:56 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-old-debt-already-sent-to-collections/01/1117706#M1015 rachealcannon11 2020-02-09T08:02:56Z How to pay my debt https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-pay-my-debt/01/1094348#M999 <P>Who can I contact to find out where my debt is from and how to pay it?&nbsp;</P> Thu, 06 Feb 2020 00:07:10 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-pay-my-debt/01/1094348#M999 Awetzel295 2020-02-06T00:07:10Z Consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1071225#M994 <P>How do I consolidate my student loans.</P> Mon, 03 Feb 2020 05:36:24 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1071225#M994 Chante1 2020-02-03T05:36:24Z Almost paid and medical past https://ttlc.intuit.com/community/lower-your-debt/discussion/almost-paid-and-medical-past/01/1052205#M989 <P>I have around a little under a grand that will be paid within a week but because of stupidity of 16 years and finally looking into credit I have medical bills planned to pay but trying to find comfort when applying to find an apartment my credit score is at a 560</P> Fri, 31 Jan 2020 16:26:01 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/almost-paid-and-medical-past/01/1052205#M989 Twitcher 2020-01-31T16:26:01Z Credit card https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card/01/1051143#M985 <P>I had a credit card through Comenity Bank and lost my job unexpectedly shortly after accruing a balance of $588. I have been unable to pay the debt until recently, however, I can’t seem to find any information as to who I need to contact in order to repay the full balance. My account says it has been closed on both the Victoria’s Secret website where I got the card and on the Comenity Bank website. I haven’t received any phone calls, emails, or physical mail regarding the matter. I’ve searched everywhere I can think of to find out who I need to pay and have found nothing. Any help would be greatly appreciated!!</P> Fri, 31 Jan 2020 11:14:01 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card/01/1051143#M985 ajoan09 2020-01-31T11:14:01Z Minor https://ttlc.intuit.com/community/lower-your-debt/discussion/minor/01/1037247#M976 <P>Hi. My Daughter is 16 she worked part time for 6 mths. Do I need to file her taxes and would she need her own login. I already did my taxes.</P> Wed, 29 Jan 2020 15:18:04 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/minor/01/1037247#M976 nileblanc 2020-01-29T15:18:04Z Consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1029159#M972 <P>Do you offer any credit cards or personal loans to consolidate my debt into a single payment plan</P> Tue, 28 Jan 2020 14:22:55 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1029159#M972 BXOlson 2020-01-28T14:22:55Z I want to consolidate my student loans but it made credit score drop over 200 points and I can’t afford the amount they are asking for each month https://ttlc.intuit.com/community/lower-your-debt/discussion/i-want-to-consolidate-my-student-loans-but-it-made-credit-score-drop-over-200-points-and-i-can-t/01/1029125#M971 Tue, 28 Jan 2020 14:17:52 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/i-want-to-consolidate-my-student-loans-but-it-made-credit-score-drop-over-200-points-and-i-can-t/01/1029125#M971 Onica916 2020-01-28T14:17:52Z The consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/the-consolidation/01/1020760#M969 <P>I recently consolidated some of my debt basically credit cards and my credit dropped drastically I thought this would help but it destroyed my credit&nbsp;</P> Mon, 27 Jan 2020 15:51:27 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/the-consolidation/01/1020760#M969 Hannah040607 2020-01-27T15:51:27Z Paid off https://ttlc.intuit.com/community/lower-your-debt/discussion/paid-off/01/1009049#M965 <P>I paid off debt collectors this month and I was wondering how long does it take before they are off of my credit report two of them are settled for a lesser amount in one I paid off</P> Fri, 24 Jan 2020 15:53:40 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paid-off/01/1009049#M965 Affseal 2020-01-24T15:53:40Z Debt consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1000866#M963 <P>What are the best options to consolidate credit card and other loan debts?</P> Wed, 22 Jan 2020 16:40:24 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1000866#M963 Trevz0 2020-01-22T16:40:24Z medical bills https://ttlc.intuit.com/community/lower-your-debt/discussion/medical-bills/01/996827#M961 <P>I've got a horrible score and 18,000 in medical debt that is my only source of debt but most if the charges I don't have any knowledge of what do I do?</P> Tue, 21 Jan 2020 15:44:46 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/medical-bills/01/996827#M961 britlove243 2020-01-21T15:44:46Z Why Are They Not Letting Me Apply For No Credit Cards At All https://ttlc.intuit.com/community/lower-your-debt/discussion/why-are-they-not-letting-me-apply-for-no-credit-cards-at-all/01/993344#M958 Mon, 20 Jan 2020 14:00:56 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/why-are-they-not-letting-me-apply-for-no-credit-cards-at-all/01/993344#M958 Amir1 2020-01-20T14:00:56Z Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/986324#M948 <P>How do I get full details on the debts named on my derogatory remarks because I’m not sure where they came from</P> Thu, 16 Jan 2020 20:47:57 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/986324#M948 Acmorris93 2020-01-16T20:47:57Z How can I manage my money and lower my debt? https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-manage-my-money-and-lower-my-debt/01/970363#M944 <P>I have now almost $7800 in debt and most amount was due to unavoidable and very important circumstances. At a more positive side I have saved $1220 as emergency fund and more money is still coming (such as $250 from deposit return and 2019 tax return) . I am in a new work and the money amount is still not decided. My house rent is approximately $500 and my grocery and other utility bill can cost highest $150-$200 per month. I have been paying all of my credit card's(3) regular payment ( for next month also). What should be a good strategy for me now to manage my money and lower my debt? Any helpful advise would be highly helpful. I hope to get out of the debt completely in 5-6 months and increase my savings. I am trying to use Debt Snowball method to eliminate the debt. That's my goal. Thanks in advance.</P> Sat, 28 Dec 2019 19:41:30 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-manage-my-money-and-lower-my-debt/01/970363#M944 anindya20192020 2019-12-28T19:41:30Z Copy https://ttlc.intuit.com/community/lower-your-debt/discussion/copy/01/964408#M937 <P>Copy 2017</P> Thu, 12 Dec 2019 05:14:10 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/copy/01/964408#M937 Garciajjp777 2019-12-12T05:14:10Z Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/959443#M933 <P>Lower my debt</P> Sat, 30 Nov 2019 17:27:15 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/959443#M933 Kenderickj 2019-11-30T17:27:15Z Student loan debt https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/959275#M929 <P>Hello,</P><P>&nbsp;</P><P>this seems to be a tricky subject I can’t seem to find help on and was wondering if anyone could help. &nbsp;I am in roughly 80k of student loan debt. &nbsp;I pay a couple hundred a month what I can but I still keep gaining interest on it. &nbsp;I’m not entirely sure how to put any sort of debt in this as it continues to grow. &nbsp; Is there any way I can start putting any sort of dent in this? Is there some sort of different loan that can break it up to pay off the smaller loans first or because it’s a bunch of smaller loans put into one I’m basically stuck paying this the rest of my life? &nbsp;Thank you in advance.</P> Fri, 29 Nov 2019 19:44:09 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/959275#M929 Ajacobs87 2019-11-29T19:44:09Z Capital One charge off settlement- confused! https://ttlc.intuit.com/community/lower-your-debt/discussion/capital-one-charge-off-settlement-confused/01/956112#M919 <P>I paid settlement for less than owed for a Capital One card that was closed/charged off.</P><P><STRONG>i paid the settlement on 9/26/19.</STRONG></P><P><STRONG>The only update to my report as of 11/17/19 is that the balance was updated to a lower amount(the past due balance minus my settlement payment).</STRONG></P><P>&nbsp;</P><P><STRONG>No other updates, such as the account is settled, and the past due balance is still showing as a very high number.</STRONG></P><P>&nbsp;</P><P><STRONG>since I paid the settlement, I no longer have a past due balance, do I? Should it not be updated to $0?</STRONG></P><P>&nbsp;</P><P><STRONG>i called Capital One about this and just wanted to discuss the above and the lady basically refused to answer my questions or help me understand. &nbsp;She kept avoiding everything I tried to say, such as inquiring about updating my credit report, the balance showing, everything.</STRONG></P><P>&nbsp;</P><P><STRONG>i recently applied for a mortgage and my lender wanted to do a rapid rescore, but can’t until Capital One verifies that the account has been satisfied and my balance is $0. &nbsp;The lady I spoke to refused this, saying that since I did not pay in full, that I do not have a $0 balance.&nbsp;</STRONG></P><P>&nbsp;</P><P><STRONG>I thought the settlement satisfies the account account for less than owed, and I have the letter from the collection agency saying this. The collection agency works for Capital One, so I do not have any additional collection accounts on my credit report. Just the original creditor Capital One.</STRONG></P><P>&nbsp;</P><P><STRONG>if I paid the settlement, I don’t owe Capital One anything further, do I? How can they refuse to update or verify the balance? I don’t see how Capital One can have an amount past due, still owed, on my credit report when I paid the settlement that was offered to me.</STRONG></P><P>&nbsp;</P><P><STRONG>i don’t know if I am completely wrong in how this works or what, if anything, I can do to figure this out. The rapid rescore cannot be completed since Capital One will not provide the information regarding the account and balance. I’m just so confused and frustrated, and don’t know where to turn. &nbsp;I just wanted clarity and the facts, and I was WAY more confused after the call.</STRONG></P><P>&nbsp;</P><P><STRONG>I was a nurse for many years until I lost my job because of a very rare disorder. I tried my best to keep up with the credit card bill but just couldn’t after so long, it took years to be awarded disability. &nbsp;</STRONG></P><P><STRONG>When I said to the lady that I was having a hard time understanding all this, she told me to “go talk to a credit counselor then”. Why would I need a credit counselor if I paid the settlement?</STRONG></P> Tue, 19 Nov 2019 15:41:12 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/capital-one-charge-off-settlement-confused/01/956112#M919 Eag1983 2019-11-19T15:41:12Z Past hospital bills https://ttlc.intuit.com/community/lower-your-debt/discussion/past-hospital-bills/01/863028#M902 <P>I had a bad drug habit I went to doctors and hospitals to get narcotics. The game to not be sick I would hurt myself and go get treatment. I have since went to a long term drug and alcohol treatment facility. I have nothing I work part time but I’m working hard to make my life better. I’m homeless and trying to make my credit better how can I get my head above water please?????</P> Fri, 11 Oct 2019 00:01:45 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/past-hospital-bills/01/863028#M902 Jeremy78jw 2019-10-11T00:01:45Z Help https://ttlc.intuit.com/community/lower-your-debt/discussion/help/01/858278#M898 Tue, 01 Oct 2019 21:28:10 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/help/01/858278#M898 genesee50 2019-10-01T21:28:10Z Personal loans https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loans/01/858027#M896 <P><EM>it seems I have a few personal loan accounts that are&nbsp;open on my credit report. So I have a two-part question.? Once the account has been sold to a collections agency is there a way for me to see where the account originated from? because all I can see it this time is the name of the collection agency was sold to. And question number two. If I have more than one loan the same credit collector would it be possible or beneficial for me to consolidate those loans into one account instead of having multiple open accounts with one credit&nbsp;collector?</EM></P> Tue, 01 Oct 2019 08:11:03 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loans/01/858027#M896 Duffy0611 2019-10-01T08:11:03Z Credit card stolen https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-stolen/01/856080#M891 Thu, 26 Sep 2019 00:59:19 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-stolen/01/856080#M891 Bellayop 2019-09-26T00:59:19Z Closed accounts https://ttlc.intuit.com/community/lower-your-debt/discussion/closed-accounts/01/853554#M888 <P>What are the closed accounts on the credit report and what are they used for?</P> Wed, 18 Sep 2019 23:57:04 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/closed-accounts/01/853554#M888 jodistacey7442 2019-09-18T23:57:04Z The simplest way to get rid of auto debt. https://ttlc.intuit.com/community/lower-your-debt/discussion/the-simplest-way-to-get-rid-of-auto-debt/01/849772#M883 <P>To help your personal financial wellbeing there is no arguing these two principals will help.</P><P>&nbsp;</P><P>Figure out how to:</P><P><STRONG>A.&nbsp; Earn more.</STRONG></P><P><STRONG>B.&nbsp; Spend less.</STRONG></P><P><STRONG>C.&nbsp; Do both.</STRONG></P><P>&nbsp;</P><P>When it comes to <EM>B. Spend less</EM> I encourage people to start with their biggest spend areas.&nbsp; For most Americans these are 1. Housing (most commonly mortgage or rent)&nbsp; 2.&nbsp; Transportation (most commonly auto costs) and 3.&nbsp; Food.&nbsp; (yeah the stuff you eat.)</P><P>&nbsp;</P><P>For me the lowest hanging fruit was auto.&nbsp; I went from paying $650 a month for transportation to $50 dollars a month by simply moving a bit closer to transit and learning how to use it.&nbsp; I also got a nice commuter bike and used that to commute whenever possible.&nbsp; It was nice increasing my net worth while decreasing my waist line!&nbsp; &nbsp;</P><P>&nbsp;</P><P><A href="https://jimsestito.com/writing/f/the-most-cost-effective-transit" target="_blank" rel="noopener">Learn a bit more about the cost of transportation here and how you can too use that as a power tool in your quest for financial well being!&nbsp;</A></P> Mon, 09 Sep 2019 17:56:43 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/the-simplest-way-to-get-rid-of-auto-debt/01/849772#M883 Jim_Sestito 2019-09-09T17:56:43Z Credit cards https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards/01/846561#M873 <P>Is it better to try and pay off 1 credit card, and pay the minimum on the others? Then continue to do it with the others. My interest rate is the same for all. Also, will my credit score go up when I pay and close the credit card account?</P> Thu, 29 Aug 2019 21:58:48 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards/01/846561#M873 mranegar 2019-08-29T21:58:48Z Credit cards are being closed because I haven’t used for awhile. https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards-are-being-closed-because-i-haven-t-used-for-awhile/01/844189#M868 Thu, 22 Aug 2019 22:28:54 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards-are-being-closed-because-i-haven-t-used-for-awhile/01/844189#M868 SZM 2019-08-22T22:28:54Z Closing 2nd oldest Credit Card https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-2nd-oldest-credit-card/01/844172#M866 <UL><LI><STRONG>I want to close my second oldest credit card which is Capital One... how much will it impact my Credit Score?</STRONG></LI></UL> Thu, 22 Aug 2019 21:15:43 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-2nd-oldest-credit-card/01/844172#M866 lhaytz 2019-08-22T21:15:43Z Student loan consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-consolidation/01/842475#M862 <P>What are some reputable student loan consolidation companies/program&nbsp;</P> Sun, 18 Aug 2019 23:25:35 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-consolidation/01/842475#M862 Overtlh7 2019-08-18T23:25:35Z How can i claim insolvency on credit card debt https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-claim-insolvency-on-credit-card-debt/01/663743#M858 How do I claim insolvency on credit card debt Thu, 06 Jun 2019 09:47:51 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-claim-insolvency-on-credit-card-debt/01/663743#M858 sddavis66 2019-06-06T09:47:51Z Tax Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/tax-debt/01/836723#M852 Is there subject matter expert regarding my spouse’s tax debt? My spouse didn’t pay taxes for many years - unbeknownst to me. We have never filed jointly... always ‘married but filing separately’. He was found guilty of tax evasion and served 18 months. Right now he is completing the halfway house portion of his sentence. I have filed for divorce.<BR />Can I talk to someone about what I can expect from the IRS with respect to me? The property I own is mine... in my name. Sun, 04 Aug 2019 22:04:44 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/tax-debt/01/836723#M852 Santiago 2019-08-04T22:04:44Z How to consolidate all credit cards to one low payment https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-consolidate-all-credit-cards-to-one-low-payment/01/831592#M849 Is there a loan or a company that will work with you to consolidate at a low rate ? I currently can’t work, and need a solution to pay off my credit cards and car loan Mon, 22 Jul 2019 10:30:46 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-consolidate-all-credit-cards-to-one-low-payment/01/831592#M849 Chloe87 2019-07-22T10:30:46Z Can I get a personal loan if I have bad credit https://ttlc.intuit.com/community/lower-your-debt/discussion/can-i-get-a-personal-loan-if-i-have-bad-credit/01/828172#M840 Sun, 14 Jul 2019 19:22:26 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/can-i-get-a-personal-loan-if-i-have-bad-credit/01/828172#M840 Denadtaxes 2019-07-14T19:22:26Z Which personal loans are best for low credit ratings https://ttlc.intuit.com/community/lower-your-debt/discussion/which-personal-loans-are-best-for-low-credit-ratings/01/828170#M839 Sun, 14 Jul 2019 19:20:08 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/which-personal-loans-are-best-for-low-credit-ratings/01/828170#M839 Denadtaxes 2019-07-14T19:20:08Z Debt?? https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/823884#M829 Why is turbo tax telling me I have debt when everything is paid off??? Fri, 05 Jul 2019 05:36:23 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/823884#M829 Rpratt03 2019-07-05T05:36:23Z Debt consolidation https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/823559#M827 Is it beneficial to my credit for me to get a loan big enough to cover my student loans and all other debts? I should be able to get a better apr<BR /> Wed, 03 Jul 2019 22:29:31 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/823559#M827 Frost1 2019-07-03T22:29:31Z best Consolidation loan? https://ttlc.intuit.com/community/lower-your-debt/discussion/best-consolidation-loan/01/822556#M821 I need to consolidate Credit Card debt. Approximately $10,000. I need the best interest rate for a consolidation loan available. Does anybody have an opinion of what to look for? Credit score just under 700. Mon, 01 Jul 2019 20:23:32 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/best-consolidation-loan/01/822556#M821 Kcain001 2019-07-01T20:23:32Z Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/821334#M819 Is the amount show on my credit report on this site ALL the money I owe? If I pay that will I be 100% debt free? Fri, 28 Jun 2019 22:50:15 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/821334#M819 Jenhill0617 2019-06-28T22:50:15Z Loans https://ttlc.intuit.com/community/lower-your-debt/discussion/loans/01/819401#M812 Am I able to borrow from this year's taxes? Mon, 24 Jun 2019 21:43:09 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/loans/01/819401#M812 huffheather35 2019-06-24T21:43:09Z Foreclosure https://ttlc.intuit.com/community/lower-your-debt/discussion/foreclosure/01/817712#M809 My house might go into foreclosure my credit is very bad. What can I do are there any loans I can do Fri, 21 Jun 2019 00:19:05 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/foreclosure/01/817712#M809 Ape511 2019-06-21T00:19:05Z I took out 21,109$ in student loans and as soon as I graduated I went to prison is there a program or help for this https://ttlc.intuit.com/community/lower-your-debt/discussion/i-took-out-21-109-in-student-loans-and-as-soon-as-i-graduated-i-went-to-prison-is-there-a-program-or/01/754103#M799 Fri, 07 Jun 2019 03:02:01 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/i-took-out-21-109-in-student-loans-and-as-soon-as-i-graduated-i-went-to-prison-is-there-a-program-or/01/754103#M799 Derekblair 2019-06-07T03:02:01Z Paying off debt? https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/19361#M787 I have enough in savings to completely pay off all my debt in collections (a total of 5 accounts, 3 are the same company). Is it better to pay off all debt at once or to make payment arrangements with the the collection agencies? If I make payments (on time) would it turn the collection into a positive? Or no matter what, will I need to wait the full 7 years to get them removed? Tue, 12 Mar 2019 19:07:02 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/19361#M787 Hecopisk 2019-03-12T19:07:02Z HELP! I'm struggling to keep up with my credit card payments https://ttlc.intuit.com/community/lower-your-debt/discussion/help-i-m-struggling-to-keep-up-with-my-credit-card-payments/01/5062#M733 With the balance and interest constantly stacking up, it's impossible to keep up. What can I do? Fri, 27 Jul 2018 17:24:37 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/help-i-m-struggling-to-keep-up-with-my-credit-card-payments/01/5062#M733 jimmyjam 2018-07-27T17:24:37Z Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/12402#M730 Do you think the best option to get out my debt would be to go through a debt relief program? Tue, 12 Feb 2019 19:04:26 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/12402#M730 Daisye 2019-02-12T19:04:26Z Parent pulse loans https://ttlc.intuit.com/community/lower-your-debt/discussion/parent-pulse-loans/01/12424#M728 Getting help or advice about paying off this loan without penalty Tue, 12 Feb 2019 20:37:08 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/parent-pulse-loans/01/12424#M728 Lastfridge 2019-02-12T20:37:08Z Student loan cosigner https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-cosigner/01/18474#M726 Is there a way to get myself off as a cosigner on my son's student loan debt Thu, 07 Mar 2019 04:45:30 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-cosigner/01/18474#M726 chrisnron0704 2019-03-07T04:45:30Z How To Prioritize Emergency Funds, Savings and Paying Off Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-prioritize-emergency-funds-savings-and-paying-off-debt/01/59#M720 <P><span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="FeaturedContent_Debt_Prioritize.jpg" style="width: 653px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/33i16D6F22744CB2B23/image-size/large?v=1.0&amp;px=999" role="button" title="FeaturedContent_Debt_Prioritize.jpg" alt="FeaturedContent_Debt_Prioritize.jpg" /></span></P> <P><TIME datetime="2016-04-13T08:00:52+00:00">Apr 13, 2016</TIME><SPAN>&nbsp;/ By&nbsp;</SPAN><A title="Posts by Zina Kumok" href="https://blog.mint.com/author/zina-kumok/" rel="author" target="_blank">Zina Kumok</A>&nbsp;</P> <P>&nbsp;</P> <P>We all want to be more responsible with our money. While that sounds great in theory, it can get confusing once you start to break things down. Emergency funds, savings funds and debt all need to be addressed regularly, but trying to figure out a consistent method leaves some paralyzed with indecision.</P> <P>&nbsp;</P> <P>One of the problems that tends to trip people up is prioritization. Allocating your finances to the right place is crucial, but how do you decide how much to put towards any one purpose? How can you cut through the confusion and get your finances on the right track?</P> <P>Read on for our tips.</P> <H6>&nbsp;</H6> <H2>1.&nbsp;&nbsp; Save a Mini-Emergency Fund</H2> <H6>&nbsp;</H6> <P>You need to save at least a partial emergency fund first. If you don’t have one and have to face a crisis, you’ll probably need to borrow the money. That means you’ll end up in more debt – whether you owe a family member or a credit card company.</P> <P>&nbsp;</P> <P>A basic emergency fund should be around $1,000. That will cover minor emergencies like new tires after your car has a blowout on the highway, last-minute plane tickets to a funeral, or a brief ER visit.</P> <P>&nbsp;</P> <P>Each time you deplete your emergency fund, halt any other debt-reducing or saving until you build it back up. Once you’re debt free, you can focus on building a more substantial emergency fund, covering between three to six month’s worth of expenses.</P> <H6>&nbsp;</H6> <H2>2.&nbsp;&nbsp; Refinance Debt</H2> <H6>&nbsp;</H6> <P>Before you start paying off your debt, you should find other ways to reduce it. If you have high-interest credit card debt, do a balance transfer onto an account with a 0% offer. See if you can refinance to get a lower interest rate for your other debt, including car loans, mortgages and student loans.</P> <P>&nbsp;</P> <P>When you refinance, make sure that your new loan doesn’t extend your terms. The longer your loan, the more you’ll pay in interest. You should use the refinance as an opportunity to save money, not spend more of it.</P> <P>&nbsp;</P> <P>After you refinance, keep making the same payments you were previously. Doing so will shorten how quickly you pay off your debt without forcing you to make any changes to your lifestyle.</P> <H6>&nbsp;</H6> <H2>3.&nbsp;&nbsp; Focus on Saving</H2> <H6>&nbsp;</H6> <P>The general rule of thumb is that you should put between 10-15% of your income towards retirement. While some people advocate for focusing all your efforts on debt payoff, putting money toward retirement now can save you money later.</P> <P>&nbsp;</P> <P>Why? Because saving for retirement is designed to be a long-term approach, and the most important aspect of saving for retirement is time. The more time you spend saving, the more you’ll have – simple as that. That’s why putting a little bit away for 40 years is better than putting a lot away for 20.</P> <P>&nbsp;</P> <P>“A 28 year-old that saves $5,000 a year into a retirement account – if they average 8% and retire at age 68 – should earn approximately $1,295,000,” said CFP Peter Creedon of<SPAN>&nbsp;</SPAN><A href="http://crystalbrookadvisors.com/" target="_blank">Crystal Brook Advisors</A>. “To match the $1,295,000, a 40 year old would have to contribute $13,583 a year until retirement if we use the above parameters.”</P> <H6>&nbsp;</H6> <H2>4. Create a Debt Payoff Plan</H2> <H6>&nbsp;</H6> <P>Once you’ve started saving for retirement, you should focus on becoming debt free and creating more money to throw at that debt. There are two ways to do this – lower your living expenses or increase your income.</P> <P>&nbsp;</P> <P>You can increase your income by asking for a raise, finding a new job or starting a side gig. Working an extra 10 hours a week at $10 an hour will yield about $400 a month before taxes.</P> <P>&nbsp;</P> <P>To decrease how much you need to live on, you should find areas of your budget that you can cut. Do you eat out too often or have a yoga studio membership that goes unused? Are you paying too much for car insurance or internet? Take the money that you cut from your budget and apply that to your debt payments.</P> <P>&nbsp;</P> <P>You can pay off your debt with one of two strategies – the snowball or the avalanche method (more on that later this week).</P> <P>&nbsp;</P> <P>Once you’ve paid off your debt, put the money you were spending on monthly payments and beef up your emergency fund. Now you’ll be saving for yourself and your future instead of paying off old debt.</P> <P>&nbsp;</P> <P><EM>Zina Kumok is a freelance writer specializing in personal finance. A former reporter, she has covered murder trials, the Final Four and everything in between. She has been featured in Lifehacker, DailyWorth and Time. Read about how she paid off $28,000 worth of student loans in three years at&nbsp;<A href="http://www.debtfreeafterthree.com/" target="_blank">Debt Free After Three.</A></EM></P> Tue, 13 Mar 2018 05:21:00 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-prioritize-emergency-funds-savings-and-paying-off-debt/01/59#M720 MariP 2018-03-13T05:21:00Z Account charge off https://ttlc.intuit.com/community/lower-your-debt/discussion/account-charge-off/01/27651#M718 In March of 2019 I paid off my student loan debt, in full. This morning (late may 2019) I received an email that my student loan company did a charge off on my account. It dropped my credit score 52 points! From everything I've read, a charge off can happen when you don't pay your debt and they "give up" on your account. BUT, it is already paid it off, Completely! Can they still place a charge off, should I dispute it? It took my so long to raise my credit score back up and now this one move has Completely set me back. Sun, 26 May 2019 16:53:38 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/account-charge-off/01/27651#M718 Hecopisk 2019-05-26T16:53:38Z Lower debt https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-debt/01/25435#M716 How do I go about combining all my debt accounts into one to lower my debt? Tue, 21 May 2019 22:50:51 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-debt/01/25435#M716 Qolive 2019-05-21T22:50:51Z Improve credit score https://ttlc.intuit.com/community/lower-your-debt/discussion/improve-credit-score/01/25434#M715 Im trying to improve my credit score an combine all my debt accounts into one. How do I go about doing that? Tue, 21 May 2019 22:49:47 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/improve-credit-score/01/25434#M715 Qolive 2019-05-21T22:49:47Z Is all debt bad? https://ttlc.intuit.com/community/lower-your-debt/discussion/is-all-debt-bad/01/266#M652 <P>Is there any kind of debt that's good to use? Or should I always stay out of debt? Never get a credit card or take out a loan?</P> Wed, 21 Mar 2018 02:57:40 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/is-all-debt-bad/01/266#M652 RentGuru2018 2018-03-21T02:57:40Z Featured Discussion: Common Reasons You May Be in Debt https://ttlc.intuit.com/community/lower-your-debt/discussion/featured-discussion-common-reasons-you-may-be-in-debt/01/5861#M556 <P>&nbsp;</P> <P>Our Turbo blog recently published an article highlighting the <A href="https://turbo.intuit.com/blog/debt/want-to-live-debt-free-stop-doing-these-5-things-926?cid=int_community_blogdiscussion_lowerdebt_common-reasons-youre-in-debt-and-what-to-do-about-it" target="_blank">top reasons why people are in debt along with suggested fixes and next steps.</A></P> <P>&nbsp;</P> <P>The five categories include:</P> <UL> <LI>Not using a budget or trying to track spending</LI> <LI>Lacking an emergency fund</LI> <LI>Borrowing money for college</LI> <LI>Using credit cards as a clutch</LI> <LI>Incoming is lower than expenses</LI> </UL> <P><STRONG>Can you relate and have you gone into debt for any of these reasons?</STRONG></P> <P>&nbsp;</P> <P><STRONG>If so, where are you on your debt journey?</STRONG></P> <P>&nbsp;</P> <P>People go into debt everyday for a number of different reasons and whether you’re looking for advice or you’ve been through it yourself, we would love to hear from you.</P> <P>&nbsp;</P> <P>&nbsp;</P> Wed, 21 Nov 2018 19:17:12 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/featured-discussion-common-reasons-you-may-be-in-debt/01/5861#M556 MariP 2018-11-21T19:17:12Z Which to pay off first car or CC https://ttlc.intuit.com/community/lower-your-debt/discussion/which-to-pay-off-first-car-or-cc/01/20794#M553 Which should I pay off first goal is to be debt free ASAP. A credit card with a $6000 balance with 16% APR or the car loan I just got $10,000 balance with 12% interest. Thanks. Thu, 28 Mar 2019 02:33:45 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/which-to-pay-off-first-car-or-cc/01/20794#M553 Princesskings 2019-03-28T02:33:45Z Lower my bill and make less payments https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-my-bill-and-make-less-payments/01/8936#M551 How to combine all my bills into one payment Sun, 13 Jan 2019 16:22:27 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-my-bill-and-make-less-payments/01/8936#M551 richnelson 2019-01-13T16:22:27Z Help to not be a cosigner https://ttlc.intuit.com/community/lower-your-debt/discussion/help-to-not-be-a-cosigner/01/18476#M549 Is there a way to get myself off as a cosigner on my son's student loan debt Thu, 07 Mar 2019 04:52:07 GMT https://ttlc.intuit.com/community/lower-your-debt/discussion/help-to-not-be-a-cosigner/01/18476#M549 chrisnron0704 2019-03-07T04:52:07Z
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<channel>
<title>Debt management topics</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/02/214
</link>
<description>Debt management topics</description>
<pubDate>Sun, 25 Oct 2020 23:35:13 GMT</pubDate>
<dc:creator>214</dc:creator>
<dc:date>2020-10-25T23:35:13Z</dc:date>
<item>
<title>
Is it a good idea to refinance your home to get rid of high debt
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/is-it-a-good-idea-to-refinance-your-home-to-get-rid-of-high-debt/01/1736518#M1195
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<description/>
<pubDate>Thu, 22 Oct 2020 17:17:55 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/is-it-a-good-idea-to-refinance-your-home-to-get-rid-of-high-debt/01/1736518#M1195
</guid>
<dc:creator>crbrlrsn</dc:creator>
<dc:date>2020-10-22T17:17:55Z</dc:date>
</item>
<item>
<title>Balance Transfer</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1736283#M1194
</link>
<description>
<P>my credit score is 621 and i’m trying to get approved to do a balance transfer to a 0% interest APR card but i don’t think i’ll be approved due to my credit score. my current chase freedom card’s 0% interest APR just came to a close this month so i need to transfer before the 24.99% interest rate kills me. any recommendations on which card to transfer to that would allow me to pay off $2,500 worth of debt in a reasonable amount of time? preferably 18 months. thanks!&nbsp;</P>
</description>
<pubDate>Wed, 21 Oct 2020 19:00:14 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1736283#M1194
</guid>
<dc:creator>shelby_</dc:creator>
<dc:date>2020-10-21T19:00:14Z</dc:date>
</item>
<item>
<title>
Personal loan, Debt Consolidation or Balance transfer?
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loan-debt-consolidation-or-balance-transfer/01/1727333#M1191
</link>
<description>
<P>Which would be more beneficial? If there are 3 credit cards that are above 50% utilized, I would think that consolidating all debt into a personal loan would suffice. One: it would make one manageable payment, two: it would drop your credit card utilization down to 0% thus increasing your credit score. Any thoughts? Thank you for your time!</P>
</description>
<pubDate>Fri, 02 Oct 2020 11:57:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loan-debt-consolidation-or-balance-transfer/01/1727333#M1191
</guid>
<dc:creator>Mike-A</dc:creator>
<dc:date>2020-10-02T11:57:08Z</dc:date>
</item>
<item>
<title>Credit Card Settlement Dilemma</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-settlement-dilemma/01/1726527#M1189
</link>
<description>
<P>I have an old credit card debt that is due to "fall off my credit report" in Dec 2021.</P><P>They have sent me a settlement agreement that I need to respond to in the next 30 days. I can afford the settlement that they are offering, but am afraid of how it will impact my taxes this year. I believe that the remaining unpaid balance will be considered "income" and negatively impact my taxes.</P><P>I have 2 questions really:</P><UL><LI>Is there a difference between a "Satisfied Settlement" and "Charge Off" in regards to my credit score?</LI><LI>Is it best to pay the settlement agreement or do nothing and let it fall off my report?</LI></UL><P>Thanks for your help &amp; input.</P>
</description>
<pubDate>Wed, 30 Sep 2020 13:44:39 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-settlement-dilemma/01/1726527#M1189
</guid>
<dc:creator>Scouture</dc:creator>
<dc:date>2020-09-30T13:44:39Z</dc:date>
</item>
<item>
<title>Manage</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/manage/01/1725395#M1187
</link>
<description/>
<pubDate>Sun, 27 Sep 2020 20:19:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/manage/01/1725395#M1187
</guid>
<dc:creator>Sherbear14</dc:creator>
<dc:date>2020-09-27T20:19:03Z</dc:date>
</item>
<item>
<title>Strategies to pay off mortgage quicker</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/strategies-to-pay-off-mortgage-quicker/01/1724995#M1185
</link>
<description/>
<pubDate>Sat, 26 Sep 2020 16:59:02 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/strategies-to-pay-off-mortgage-quicker/01/1724995#M1185
</guid>
<dc:creator>Mikegise1</dc:creator>
<dc:date>2020-09-26T16:59:02Z</dc:date>
</item>
<item>
<title>Change my lease</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/change-my-lease/01/1716583#M1180
</link>
<description>
<P>Hi, I have a lease with the car I’m driving now and the monthly payment is like never ending and too high for me right now that I’m not working. What can I do ??&nbsp;<BR />I need a car with a lower monthly payment&nbsp;</P>
</description>
<pubDate>Fri, 04 Sep 2020 15:14:53 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/change-my-lease/01/1716583#M1180
</guid>
<dc:creator>Oteroamygm</dc:creator>
<dc:date>2020-09-04T15:14:53Z</dc:date>
</item>
<item>
<title>How do I pay off debt without banking info?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-pay-off-debt-without-banking-info/01/1712335#M1178
</link>
<description>
<P>Hello! My question is how do I pay off a debt to a company I have no banking information for? I owe some money to an apartment complex from 2018, but as of 2020 a new company owns the building. The new company told me to find out who the previous owner is, but the apartment complex isn't much help. Could I just ask my bank or how in the world do I do this?</P>
</description>
<pubDate>Mon, 24 Aug 2020 17:04:11 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-pay-off-debt-without-banking-info/01/1712335#M1178
</guid>
<dc:creator>JordanL</dc:creator>
<dc:date>2020-08-24T17:04:11Z</dc:date>
</item>
<item>
<title>Full Credit Report</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/full-credit-report/01/1708419#M1176
</link>
<description>
<P>I want to be able to access my info so I can start paying off bill from years ago and upcoming so I can increase my credit score so I can move into somewhere nicer, does anyone have any info on how to do just that&nbsp;</P>
</description>
<pubDate>Fri, 14 Aug 2020 15:00:43 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/full-credit-report/01/1708419#M1176
</guid>
<dc:creator>hjohn2020</dc:creator>
<dc:date>2020-08-14T15:00:43Z</dc:date>
</item>
<item>
<title>Paying off debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1704803#M1171
</link>
<description>
<P>I need to start making payments towards my debt, but I don't have any mail I can find with any of the information. I see what collection agencies have my debt, but how do I get the information to be able to start paying towards it?</P>
</description>
<pubDate>Thu, 06 Aug 2020 01:09:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1704803#M1171
</guid>
<dc:creator>Absolutejoy</dc:creator>
<dc:date>2020-08-06T01:09:03Z</dc:date>
</item>
<item>
<title>Paying debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-debt/01/1703637#M1164
</link>
<description>
<P>So, I have 2 accounts on my credit and on turbo there's no way for me to figure out how to start making payments on them. Does anyone know how to start paying off your debt accounts??&nbsp;</P>
</description>
<pubDate>Tue, 04 Aug 2020 06:54:38 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-debt/01/1703637#M1164
</guid>
<dc:creator>Eyeslikedaggers69</dc:creator>
<dc:date>2020-08-04T06:54:38Z</dc:date>
</item>
<item>
<title>"Other" debt?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/other-debt/01/1666520#M1159
</link>
<description>
<P>I received an e-mail today stating my "debt in collections" went up to $238, when I had no idea I had any debt beyond my student loans. When I followed the link in the e-mail from Turbo, it lists the debt as "Other" with no explanation or link as to where I actually owe the money. Is there any way I can figure out to whom I owe this, or if it's a fraudulent charge? First image is from the e-mail, the second is from the Turbo website</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="image.png" style="width: 514px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/11337i1152D463872868D1/image-size/large?v=1.0&amp;px=999" role="button" title="image.png" alt="image.png" /></span><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="image.png" style="width: 479px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/11338i0926EEC1A0985370/image-size/large?v=1.0&amp;px=999" role="button" title="image.png" alt="image.png" /></span></P>
</description>
<pubDate>Thu, 09 Jul 2020 23:04:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/other-debt/01/1666520#M1159
</guid>
<dc:creator>brianorwhatever</dc:creator>
<dc:date>2020-07-09T23:04:04Z</dc:date>
</item>
<item>
<title>debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/1662507#M1157
</link>
<description>
<P>i am in debt i need to lower my debt so i get a credit card thanks</P>
</description>
<pubDate>Tue, 07 Jul 2020 23:44:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/1662507#M1157
</guid>
<dc:creator>subhkrt108</dc:creator>
<dc:date>2020-07-07T23:44:04Z</dc:date>
</item>
<item>
<title>Closing a Credit card</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-a-credit-card/01/1653589#M1156
</link>
<description>
<P>I have paid off my visa but I still have to pay like $10 a month for fees. I don't even have a card anymore cause it expired and they wanted me to pay for a new one and I won't. I want to close this account but will it hurt my credit score?</P>
</description>
<pubDate>Wed, 01 Jul 2020 23:00:00 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-a-credit-card/01/1653589#M1156
</guid>
<dc:creator>Jules98903</dc:creator>
<dc:date>2020-07-01T23:00:00Z</dc:date>
</item>
<item>
<title>How to fix my debt and fix my crexit</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-fix-my-debt-and-fix-my-crexit/01/1641768#M1152
</link>
<description><P>[phone number removed]... Gregorio&nbsp;</P></description>
<pubDate>Mon, 22 Jun 2020 14:32:20 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-fix-my-debt-and-fix-my-crexit/01/1641768#M1152
</guid>
<dc:creator>Chicodusty13</dc:creator>
<dc:date>2020-06-22T14:32:20Z</dc:date>
</item>
<item>
<title>Student Loan Debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/1632394#M1142
</link>
<description>
<P>Will paying off my student loans increase my credit score ?&nbsp;</P>
</description>
<pubDate>Sat, 13 Jun 2020 19:18:27 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/1632394#M1142
</guid>
<dc:creator>Dhill29</dc:creator>
<dc:date>2020-06-13T19:18:27Z</dc:date>
</item>
<item>
<title>Pay off credit card</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/pay-off-credit-card/01/1604797#M1138
</link>
<description>
<P>Should I get a credit union loan to pay off a credit card?</P>
</description>
<pubDate>Sun, 24 May 2020 16:57:46 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/pay-off-credit-card/01/1604797#M1138
</guid>
<dc:creator>jenoakes</dc:creator>
<dc:date>2020-05-24T16:57:46Z</dc:date>
</item>
<item>
<title>
Debt Collector Missing Reported Info on Credit Report, is it Something that I Can Fight?
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-collector-missing-reported-info-on-credit-report-is-it-something-that-i-can-fight/01/1601533#M1136
</link>
<description>
<P>Hey guys! So I have two debts from Portfolio Recovery. I looked at my report over on Credit Wise which is through Capital One. With both of my reports the following is marked as not reported:</P><P><STRONG>Section Status</STRONG></P><P>amount past due (however I can see this in a different loction)&nbsp;</P><P><STRONG>Section Account Details</STRONG></P><P>account type</P><P>credit limit</P><P><STRONG>Section Payment Details</STRONG></P><P>amount past due&nbsp;</P><P>monthly payment&nbsp;</P><P>payment frequency&nbsp;</P><P>&nbsp;</P><P>There is no reported date any where on the report. No date open. The only thing I see related to date is how long the account was open. Is this something I can fight to have it removed? I see almost next to no info on the debt, other than how much I them, the original lender, the length of the accounts, and the lender.&nbsp;</P><P>&nbsp;</P><P>Thank you!</P>
</description>
<pubDate>Fri, 22 May 2020 03:26:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-collector-missing-reported-info-on-credit-report-is-it-something-that-i-can-fight/01/1601533#M1136
</guid>
<dc:creator>Passie</dc:creator>
<dc:date>2020-05-22T03:26:31Z</dc:date>
</item>
<item>
<title>Paying off debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1599900#M1135
</link>
<description>
<P>How can I see a list of all my debt and how much I owe. I tried paying everything I know of but my credit score hasn’t improved at all and I don’t know if I’m doing it right. Please help! [phone number removed]</P> <P>&nbsp;</P> <P>Myk</P>
</description>
<pubDate>Thu, 21 May 2020 14:34:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/1599900#M1135
</guid>
<dc:creator>mykdiane</dc:creator>
<dc:date>2020-05-21T14:34:03Z</dc:date>
</item>
<item>
<title>How can I pay my dept?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-pay-my-dept/01/1577410#M1127
</link>
<description>
<P>How can I pay my dept to AWA collector?&nbsp;</P>
</description>
<pubDate>Sat, 09 May 2020 10:24:18 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-pay-my-dept/01/1577410#M1127
</guid>
<dc:creator>Nelavee</dc:creator>
<dc:date>2020-05-09T10:24:18Z</dc:date>
</item>
<item>
<title>Clean up my credit report</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/clean-up-my-credit-report/01/1574275#M1126
</link>
<description>
<P>Is there any program that Turbotax can help me to clean up my credit report?</P>
</description>
<pubDate>Thu, 07 May 2020 23:22:06 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/clean-up-my-credit-report/01/1574275#M1126
</guid>
<dc:creator>Saeed22152</dc:creator>
<dc:date>2020-05-07T23:22:06Z</dc:date>
</item>
<item>
<title>Mystery credit card debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/mystery-credit-card-debt/01/1564582#M1124
</link>
<description>
<P>My credit report shows an AMEX credit card with a 7,000+ balance, 14,000 limit and payments of $95/month for over two years and up to date. I have no idea of this credit card and especially a monthly payment which I show nowhere in my records. Please explain.</P>
</description>
<pubDate>Mon, 04 May 2020 17:04:29 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/mystery-credit-card-debt/01/1564582#M1124
</guid>
<dc:creator>Jfrantz</dc:creator>
<dc:date>2020-05-04T17:04:29Z</dc:date>
</item>
<item>
<title>Balance Transfer</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1552225#M1122
</link>
<description>
<P>Is balance transfer a good option to pay off credit card debt?&nbsp;</P>
</description>
<pubDate>Thu, 30 Apr 2020 02:22:05 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/balance-transfer/01/1552225#M1122
</guid>
<dc:creator>amelia06</dc:creator>
<dc:date>2020-04-30T02:22:05Z</dc:date>
</item>
<item>
<title>Hello</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/hello/01/1548861#M1121
</link>
<description>
<P>How do I pay off something on my credit online ?</P>
</description>
<pubDate>Wed, 29 Apr 2020 01:08:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/hello/01/1548861#M1121
</guid>
<dc:creator>Argarcia396</dc:creator>
<dc:date>2020-04-29T01:08:31Z</dc:date>
</item>
<item>
<title>Collection debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-debt/01/1527559#M1119
</link>
<description>
<P>I have multiple different accounts in collections ranging from $200 to $10,000. What debt should I start paying off first? Should I make small amounts to my largest debt or payoff the smaller debts?&nbsp;</P>
</description>
<pubDate>Thu, 23 Apr 2020 16:48:55 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-debt/01/1527559#M1119
</guid>
<dc:creator>MommaOf02</dc:creator>
<dc:date>2020-04-23T16:48:55Z</dc:date>
</item>
<item>
<title>How do I know what debt collector I’m paying?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-know-what-debt-collector-i-m-paying/01/1502545#M1116
</link>
<description>
<P>How do I find out contact information for debt collectors?</P>
</description>
<pubDate>Fri, 17 Apr 2020 19:38:40 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-do-i-know-what-debt-collector-i-m-paying/01/1502545#M1116
</guid>
<dc:creator>Mckoifishh</dc:creator>
<dc:date>2020-04-17T19:38:40Z</dc:date>
</item>
<item>
<title>Stimulus payment</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/stimulus-payment/01/1490212#M1111
</link>
<description><P>How can I track my stimulus package&nbsp;</P></description>
<pubDate>Thu, 16 Apr 2020 13:07:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/stimulus-payment/01/1490212#M1111
</guid>
<dc:creator>Cortney3</dc:creator>
<dc:date>2020-04-16T13:07:51Z</dc:date>
</item>
<item>
<title>Paying off my dept</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-my-dept/01/1431406#M1107
</link>
<description>
<P>How do I start paying off my debt? Like do they still send those cards that I can start paying off my debt I want my credit score higher&nbsp;</P>
</description>
<pubDate>Thu, 09 Apr 2020 18:31:24 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-my-dept/01/1431406#M1107
</guid>
<dc:creator>OwlWomen2019</dc:creator>
<dc:date>2020-04-09T18:31:24Z</dc:date>
</item>
<item>
<title>
I have always had a contract with a company and am self employed and all work was completed in the U.S.. I have always been a non-employee for them. Do I still qualify for QBI?
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/i-have-always-had-a-contract-with-a-company-and-am-self-employed-and-all-work-was-completed-in-the-u/01/1388475#M1098
</link>
<description/>
<pubDate>Tue, 31 Mar 2020 21:30:41 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/i-have-always-had-a-contract-with-a-company-and-am-self-employed-and-all-work-was-completed-in-the-u/01/1388475#M1098
</guid>
<dc:creator>davidwilliams</dc:creator>
<dc:date>2020-03-31T21:30:41Z</dc:date>
</item>
<item>
<title>Mortgage payment</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/mortgage-payment/01/1352499#M1095
</link>
<description>
<P>Can I tried to get my mortgage refinance at a lower rate with me just starting a job and been out of a job for six months and also I’m late on my</P>
</description>
<pubDate>Mon, 23 Mar 2020 21:55:33 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/mortgage-payment/01/1352499#M1095
</guid>
<dc:creator>Robert69friend</dc:creator>
<dc:date>2020-03-23T21:55:33Z</dc:date>
</item>
<item>
<title>How can reduce my monthly debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-reduce-my-monthly-debt/01/1341114#M1087
</link>
<description>
<P>I have an Auto loan with high interest rate. I would like to reference it</P>
</description>
<pubDate>Fri, 20 Mar 2020 19:59:50 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-reduce-my-monthly-debt/01/1341114#M1087
</guid>
<dc:creator>lyndandej</dc:creator>
<dc:date>2020-03-20T19:59:50Z</dc:date>
</item>
<item>
<title>F1098 Mortgage Interest Statement</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/f1098-mortgage-interest-statement/01/1332260#M1084
</link>
<description>
<P>How do I enter F1098, Mortgage Interest Statement??</P>
</description>
<pubDate>Wed, 18 Mar 2020 18:17:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/f1098-mortgage-interest-statement/01/1332260#M1084
</guid>
<dc:creator>Mstrcch</dc:creator>
<dc:date>2020-03-18T18:17:51Z</dc:date>
</item>
<item>
<title>Unaware of Debit</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/unaware-of-debit/01/1318508#M1079
</link>
<description>
<P>After I reviewed my credit report. It has come to my attention that I'm in debit to 2 separate collection agencies. Any information about how to figure out how to go about this would be greatly appreciated</P> <P>Thank you</P> <P>Michael&nbsp;</P> <P>[email address removed]</P>
</description>
<pubDate>Sun, 15 Mar 2020 14:09:48 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/unaware-of-debit/01/1318508#M1079
</guid>
<dc:creator>Michael Lower</dc:creator>
<dc:date>2020-03-15T14:09:48Z</dc:date>
</item>
<item>
<title>How to make small easy payments</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-make-small-easy-payments/01/1237305#M1060
</link>
<description>
<P>Hello, I am Interested in finding out the easiest way to start making payments on my debt. I am unemployed currently but I was to start somewhere even if it is a very small amount each month. Where do I start? Thank you, Melissa Miley</P>
</description>
<pubDate>Wed, 26 Feb 2020 20:07:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-make-small-easy-payments/01/1237305#M1060
</guid>
<dc:creator>Melissalm687</dc:creator>
<dc:date>2020-02-26T20:07:19Z</dc:date>
</item>
<item>
<title>Debt to income ratio</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-to-income-ratio/01/1234247#M1059
</link>
<description>
<P>When looking up my credit score, I noticed that under debt, it still shows that I owe on a home that I once lived with my ex-husband. He still lives in the home and was supposed to remove my name from the mortgage per our divorce agreement. My current income is very low so my debt to income ratio looks very high. Is that Why my credit score is low ?</P>
</description>
<pubDate>Wed, 26 Feb 2020 14:00:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-to-income-ratio/01/1234247#M1059
</guid>
<dc:creator>Nikkimtz1130</dc:creator>
<dc:date>2020-02-26T14:00:03Z</dc:date>
</item>
<item>
<title>Debt and tax return</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-and-tax-return/01/1228149#M1054
</link>
<description>
<P>Last year, my federal and state refund was garnished for debt I owed. I did end up with about 160$ of my federal return. I figured if I had more debt they would have taken it all. I know my state refunds will be garnished because of fees, and until today I wasn’t even aware of how much more debt I had. Are they going to garnish my federal tax return for the money I owe in debt this year as well?</P>
</description>
<pubDate>Tue, 25 Feb 2020 17:55:44 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-and-tax-return/01/1228149#M1054
</guid>
<dc:creator>Devans3</dc:creator>
<dc:date>2020-02-25T17:55:44Z</dc:date>
</item>
<item>
<title>Where do I my debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/where-do-i-my-debt/01/1226885#M1052
</link>
<description>
<P>Can you direct to where I could go to pay of my debt for CMRE FINANCIAL company</P>
</description>
<pubDate>Tue, 25 Feb 2020 15:16:58 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/where-do-i-my-debt/01/1226885#M1052
</guid>
<dc:creator>Boobie214</dc:creator>
<dc:date>2020-02-25T15:16:58Z</dc:date>
</item>
<item>
<title>Collection Account Sold Again!</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-account-sold-again/01/1226102#M1051
</link>
<description>
<P>I disputed a collections account about 6 months ago and won, it was a medical debt that was paid by medicaid. Now a new collections account popped up on my report for the same amount, same original Creditor, but a different collection agency. I'm guessing the first collector sold the account to the new collector AFTER I won the dispute. How can they do that and how do I get it to stop?</P>
</description>
<pubDate>Tue, 25 Feb 2020 10:55:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/collection-account-sold-again/01/1226102#M1051
</guid>
<dc:creator>ELB912</dc:creator>
<dc:date>2020-02-25T10:55:03Z</dc:date>
</item>
<item>
<title>
What is the better assistance regarding the debt settlement?
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/what-is-the-better-assistance-regarding-the-debt-settlement/01/1217915#M1047
</link>
<description>
<P>The following intuit forum is explanatory and illustrative.In simple words<BR />debt settlement also explained as the debt arbitration or negotiation is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.Not only accounting<BR />but if any sort of help or assistance is required for the accounting support,debt,bankruptcy consult with the most reliable <A href="https://thestepchange.com/debt-information/debt-management-solutions" target="_blank" rel="noopener">debt management solutions</A><BR />They are helping out the clients and enterprise across the globe with 100% assistance for more than a decade.</P>
</description>
<pubDate>Mon, 24 Feb 2020 04:20:50 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/what-is-the-better-assistance-regarding-the-debt-settlement/01/1217915#M1047
</guid>
<dc:creator>morishka89</dc:creator>
<dc:date>2020-02-24T04:20:50Z</dc:date>
</item>
<item>
<title>Debt consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1175807#M1039
</link>
<description>
<P>I am trying to figure out how far in debt I am to see if I could use a consolidation loan to finally get things paid off but, I can't seem to remember any account details for any of the accounts. Any ideas.</P>
</description>
<pubDate>Tue, 18 Feb 2020 02:10:38 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1175807#M1039
</guid>
<dc:creator>Hwilkinson2017</dc:creator>
<dc:date>2020-02-18T02:10:38Z</dc:date>
</item>
<item>
<title>My debt details</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/my-debt-details/01/1164829#M1033
</link>
<description>
<P>Is there a way I can see the details/breakdown of my debt and where the balances are coming from, medical bills, school tuition, etc? Thank you! &nbsp;</P>
</description>
<pubDate>Sun, 16 Feb 2020 16:38:25 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/my-debt-details/01/1164829#M1033
</guid>
<dc:creator>jdorseyt08</dc:creator>
<dc:date>2020-02-16T16:38:25Z</dc:date>
</item>
<item>
<title>2018 Turbo Tax Application</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/2018-turbo-tax-application/01/1156327#M1026
</link>
<description>
<P>How can I re-download 2018 Turbo Tax Application in order to re-print 2018 taxes after having already downloaded the 2019 application&gt;</P>
</description>
<pubDate>Fri, 14 Feb 2020 23:12:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/2018-turbo-tax-application/01/1156327#M1026
</guid>
<dc:creator>Melba53</dc:creator>
<dc:date>2020-02-14T23:12:57Z</dc:date>
</item>
<item>
<title>Dept</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/dept/01/1152777#M1025
</link>
<description><P>How can I lower my dept</P></description>
<pubDate>Fri, 14 Feb 2020 14:08:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/dept/01/1152777#M1025
</guid>
<dc:creator>Chichi23</dc:creator>
<dc:date>2020-02-14T14:08:51Z</dc:date>
</item>
<item>
<title>Tax</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/tax/01/1139463#M1024
</link>
<description>
<P>My refund is all done so when do I receive my money on my turbo tax card</P>
</description>
<pubDate>Wed, 12 Feb 2020 08:24:27 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/tax/01/1139463#M1024
</guid>
<dc:creator>Nazif315</dc:creator>
<dc:date>2020-02-12T08:24:27Z</dc:date>
</item>
<item>
<title>Hi</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/hi/01/1132285#M1022
</link>
<description><P>I am first time to use this&nbsp;</P></description>
<pubDate>Tue, 11 Feb 2020 09:39:27 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/hi/01/1132285#M1022
</guid>
<dc:creator>AaronBlades18</dc:creator>
<dc:date>2020-02-11T09:39:27Z</dc:date>
</item>
<item>
<title>Paying off old debt already sent to collections</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-old-debt-already-sent-to-collections/01/1117706#M1015
</link>
<description>
<P>I have about 7 open account ranging in amounts from 500$ to 3000$ they are all about 5 years old. What is the best way to handle this? Is it better to leave them alone and wait for them to fall off or contact the collectors and make payments? I want to start working on my score i jus dnt know where to start.</P>
</description>
<pubDate>Sun, 09 Feb 2020 08:02:56 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-old-debt-already-sent-to-collections/01/1117706#M1015
</guid>
<dc:creator>rachealcannon11</dc:creator>
<dc:date>2020-02-09T08:02:56Z</dc:date>
</item>
<item>
<title>How to pay my debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-pay-my-debt/01/1094348#M999
</link>
<description>
<P>Who can I contact to find out where my debt is from and how to pay it?&nbsp;</P>
</description>
<pubDate>Thu, 06 Feb 2020 00:07:10 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-pay-my-debt/01/1094348#M999
</guid>
<dc:creator>Awetzel295</dc:creator>
<dc:date>2020-02-06T00:07:10Z</dc:date>
</item>
<item>
<title>Consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1071225#M994
</link>
<description><P>How do I consolidate my student loans.</P></description>
<pubDate>Mon, 03 Feb 2020 05:36:24 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1071225#M994
</guid>
<dc:creator>Chante1</dc:creator>
<dc:date>2020-02-03T05:36:24Z</dc:date>
</item>
<item>
<title>Almost paid and medical past</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/almost-paid-and-medical-past/01/1052205#M989
</link>
<description>
<P>I have around a little under a grand that will be paid within a week but because of stupidity of 16 years and finally looking into credit I have medical bills planned to pay but trying to find comfort when applying to find an apartment my credit score is at a 560</P>
</description>
<pubDate>Fri, 31 Jan 2020 16:26:01 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/almost-paid-and-medical-past/01/1052205#M989
</guid>
<dc:creator>Twitcher</dc:creator>
<dc:date>2020-01-31T16:26:01Z</dc:date>
</item>
<item>
<title>Credit card</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card/01/1051143#M985
</link>
<description>
<P>I had a credit card through Comenity Bank and lost my job unexpectedly shortly after accruing a balance of $588. I have been unable to pay the debt until recently, however, I can’t seem to find any information as to who I need to contact in order to repay the full balance. My account says it has been closed on both the Victoria’s Secret website where I got the card and on the Comenity Bank website. I haven’t received any phone calls, emails, or physical mail regarding the matter. I’ve searched everywhere I can think of to find out who I need to pay and have found nothing. Any help would be greatly appreciated!!</P>
</description>
<pubDate>Fri, 31 Jan 2020 11:14:01 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card/01/1051143#M985
</guid>
<dc:creator>ajoan09</dc:creator>
<dc:date>2020-01-31T11:14:01Z</dc:date>
</item>
<item>
<title>Minor</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/minor/01/1037247#M976
</link>
<description>
<P>Hi. My Daughter is 16 she worked part time for 6 mths. Do I need to file her taxes and would she need her own login. I already did my taxes.</P>
</description>
<pubDate>Wed, 29 Jan 2020 15:18:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/minor/01/1037247#M976
</guid>
<dc:creator>nileblanc</dc:creator>
<dc:date>2020-01-29T15:18:04Z</dc:date>
</item>
<item>
<title>Consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1029159#M972
</link>
<description>
<P>Do you offer any credit cards or personal loans to consolidate my debt into a single payment plan</P>
</description>
<pubDate>Tue, 28 Jan 2020 14:22:55 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/consolidation/01/1029159#M972
</guid>
<dc:creator>BXOlson</dc:creator>
<dc:date>2020-01-28T14:22:55Z</dc:date>
</item>
<item>
<title>
I want to consolidate my student loans but it made credit score drop over 200 points and I can’t afford the amount they are asking for each month
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/i-want-to-consolidate-my-student-loans-but-it-made-credit-score-drop-over-200-points-and-i-can-t/01/1029125#M971
</link>
<description/>
<pubDate>Tue, 28 Jan 2020 14:17:52 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/i-want-to-consolidate-my-student-loans-but-it-made-credit-score-drop-over-200-points-and-i-can-t/01/1029125#M971
</guid>
<dc:creator>Onica916</dc:creator>
<dc:date>2020-01-28T14:17:52Z</dc:date>
</item>
<item>
<title>The consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/the-consolidation/01/1020760#M969
</link>
<description>
<P>I recently consolidated some of my debt basically credit cards and my credit dropped drastically I thought this would help but it destroyed my credit&nbsp;</P>
</description>
<pubDate>Mon, 27 Jan 2020 15:51:27 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/the-consolidation/01/1020760#M969
</guid>
<dc:creator>Hannah040607</dc:creator>
<dc:date>2020-01-27T15:51:27Z</dc:date>
</item>
<item>
<title>Paid off</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paid-off/01/1009049#M965
</link>
<description>
<P>I paid off debt collectors this month and I was wondering how long does it take before they are off of my credit report two of them are settled for a lesser amount in one I paid off</P>
</description>
<pubDate>Fri, 24 Jan 2020 15:53:40 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paid-off/01/1009049#M965
</guid>
<dc:creator>Affseal</dc:creator>
<dc:date>2020-01-24T15:53:40Z</dc:date>
</item>
<item>
<title>Debt consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1000866#M963
</link>
<description>
<P>What are the best options to consolidate credit card and other loan debts?</P>
</description>
<pubDate>Wed, 22 Jan 2020 16:40:24 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/1000866#M963
</guid>
<dc:creator>Trevz0</dc:creator>
<dc:date>2020-01-22T16:40:24Z</dc:date>
</item>
<item>
<title>medical bills</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/medical-bills/01/996827#M961
</link>
<description>
<P>I've got a horrible score and 18,000 in medical debt that is my only source of debt but most if the charges I don't have any knowledge of what do I do?</P>
</description>
<pubDate>Tue, 21 Jan 2020 15:44:46 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/medical-bills/01/996827#M961
</guid>
<dc:creator>britlove243</dc:creator>
<dc:date>2020-01-21T15:44:46Z</dc:date>
</item>
<item>
<title>
Why Are They Not Letting Me Apply For No Credit Cards At All
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/why-are-they-not-letting-me-apply-for-no-credit-cards-at-all/01/993344#M958
</link>
<description/>
<pubDate>Mon, 20 Jan 2020 14:00:56 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/why-are-they-not-letting-me-apply-for-no-credit-cards-at-all/01/993344#M958
</guid>
<dc:creator>Amir1</dc:creator>
<dc:date>2020-01-20T14:00:56Z</dc:date>
</item>
<item>
<title>Debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/986324#M948
</link>
<description>
<P>How do I get full details on the debts named on my derogatory remarks because I’m not sure where they came from</P>
</description>
<pubDate>Thu, 16 Jan 2020 20:47:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/986324#M948
</guid>
<dc:creator>Acmorris93</dc:creator>
<dc:date>2020-01-16T20:47:57Z</dc:date>
</item>
<item>
<title>How can I manage my money and lower my debt?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-manage-my-money-and-lower-my-debt/01/970363#M944
</link>
<description>
<P>I have now almost $7800 in debt and most amount was due to unavoidable and very important circumstances. At a more positive side I have saved $1220 as emergency fund and more money is still coming (such as $250 from deposit return and 2019 tax return) . I am in a new work and the money amount is still not decided. My house rent is approximately $500 and my grocery and other utility bill can cost highest $150-$200 per month. I have been paying all of my credit card's(3) regular payment ( for next month also). What should be a good strategy for me now to manage my money and lower my debt? Any helpful advise would be highly helpful. I hope to get out of the debt completely in 5-6 months and increase my savings. I am trying to use Debt Snowball method to eliminate the debt. That's my goal. Thanks in advance.</P>
</description>
<pubDate>Sat, 28 Dec 2019 19:41:30 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-manage-my-money-and-lower-my-debt/01/970363#M944
</guid>
<dc:creator>anindya20192020</dc:creator>
<dc:date>2019-12-28T19:41:30Z</dc:date>
</item>
<item>
<title>Copy</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/copy/01/964408#M937
</link>
<description><P>Copy 2017</P></description>
<pubDate>Thu, 12 Dec 2019 05:14:10 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/copy/01/964408#M937
</guid>
<dc:creator>Garciajjp777</dc:creator>
<dc:date>2019-12-12T05:14:10Z</dc:date>
</item>
<item>
<title>Debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/959443#M933
</link>
<description><P>Lower my debt</P></description>
<pubDate>Sat, 30 Nov 2019 17:27:15 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/959443#M933
</guid>
<dc:creator>Kenderickj</dc:creator>
<dc:date>2019-11-30T17:27:15Z</dc:date>
</item>
<item>
<title>Student loan debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/959275#M929
</link>
<description>
<P>Hello,</P><P>&nbsp;</P><P>this seems to be a tricky subject I can’t seem to find help on and was wondering if anyone could help. &nbsp;I am in roughly 80k of student loan debt. &nbsp;I pay a couple hundred a month what I can but I still keep gaining interest on it. &nbsp;I’m not entirely sure how to put any sort of debt in this as it continues to grow. &nbsp; Is there any way I can start putting any sort of dent in this? Is there some sort of different loan that can break it up to pay off the smaller loans first or because it’s a bunch of smaller loans put into one I’m basically stuck paying this the rest of my life? &nbsp;Thank you in advance.</P>
</description>
<pubDate>Fri, 29 Nov 2019 19:44:09 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-debt/01/959275#M929
</guid>
<dc:creator>Ajacobs87</dc:creator>
<dc:date>2019-11-29T19:44:09Z</dc:date>
</item>
<item>
<title>Capital One charge off settlement- confused!</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/capital-one-charge-off-settlement-confused/01/956112#M919
</link>
<description>
<P>I paid settlement for less than owed for a Capital One card that was closed/charged off.</P><P><STRONG>i paid the settlement on 9/26/19.</STRONG></P><P><STRONG>The only update to my report as of 11/17/19 is that the balance was updated to a lower amount(the past due balance minus my settlement payment).</STRONG></P><P>&nbsp;</P><P><STRONG>No other updates, such as the account is settled, and the past due balance is still showing as a very high number.</STRONG></P><P>&nbsp;</P><P><STRONG>since I paid the settlement, I no longer have a past due balance, do I? Should it not be updated to $0?</STRONG></P><P>&nbsp;</P><P><STRONG>i called Capital One about this and just wanted to discuss the above and the lady basically refused to answer my questions or help me understand. &nbsp;She kept avoiding everything I tried to say, such as inquiring about updating my credit report, the balance showing, everything.</STRONG></P><P>&nbsp;</P><P><STRONG>i recently applied for a mortgage and my lender wanted to do a rapid rescore, but can’t until Capital One verifies that the account has been satisfied and my balance is $0. &nbsp;The lady I spoke to refused this, saying that since I did not pay in full, that I do not have a $0 balance.&nbsp;</STRONG></P><P>&nbsp;</P><P><STRONG>I thought the settlement satisfies the account account for less than owed, and I have the letter from the collection agency saying this. The collection agency works for Capital One, so I do not have any additional collection accounts on my credit report. Just the original creditor Capital One.</STRONG></P><P>&nbsp;</P><P><STRONG>if I paid the settlement, I don’t owe Capital One anything further, do I? How can they refuse to update or verify the balance? I don’t see how Capital One can have an amount past due, still owed, on my credit report when I paid the settlement that was offered to me.</STRONG></P><P>&nbsp;</P><P><STRONG>i don’t know if I am completely wrong in how this works or what, if anything, I can do to figure this out. The rapid rescore cannot be completed since Capital One will not provide the information regarding the account and balance. I’m just so confused and frustrated, and don’t know where to turn. &nbsp;I just wanted clarity and the facts, and I was WAY more confused after the call.</STRONG></P><P>&nbsp;</P><P><STRONG>I was a nurse for many years until I lost my job because of a very rare disorder. I tried my best to keep up with the credit card bill but just couldn’t after so long, it took years to be awarded disability. &nbsp;</STRONG></P><P><STRONG>When I said to the lady that I was having a hard time understanding all this, she told me to “go talk to a credit counselor then”. Why would I need a credit counselor if I paid the settlement?</STRONG></P>
</description>
<pubDate>Tue, 19 Nov 2019 15:41:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/capital-one-charge-off-settlement-confused/01/956112#M919
</guid>
<dc:creator>Eag1983</dc:creator>
<dc:date>2019-11-19T15:41:12Z</dc:date>
</item>
<item>
<title>Past hospital bills</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/past-hospital-bills/01/863028#M902
</link>
<description>
<P>I had a bad drug habit I went to doctors and hospitals to get narcotics. The game to not be sick I would hurt myself and go get treatment. I have since went to a long term drug and alcohol treatment facility. I have nothing I work part time but I’m working hard to make my life better. I’m homeless and trying to make my credit better how can I get my head above water please?????</P>
</description>
<pubDate>Fri, 11 Oct 2019 00:01:45 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/past-hospital-bills/01/863028#M902
</guid>
<dc:creator>Jeremy78jw</dc:creator>
<dc:date>2019-10-11T00:01:45Z</dc:date>
</item>
<item>
<title>Help</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/help/01/858278#M898
</link>
<description/>
<pubDate>Tue, 01 Oct 2019 21:28:10 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/help/01/858278#M898
</guid>
<dc:creator>genesee50</dc:creator>
<dc:date>2019-10-01T21:28:10Z</dc:date>
</item>
<item>
<title>Personal loans</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loans/01/858027#M896
</link>
<description>
<P><EM>it seems I have a few personal loan accounts that are&nbsp;open on my credit report. So I have a two-part question.? Once the account has been sold to a collections agency is there a way for me to see where the account originated from? because all I can see it this time is the name of the collection agency was sold to. And question number two. If I have more than one loan the same credit collector would it be possible or beneficial for me to consolidate those loans into one account instead of having multiple open accounts with one credit&nbsp;collector?</EM></P>
</description>
<pubDate>Tue, 01 Oct 2019 08:11:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/personal-loans/01/858027#M896
</guid>
<dc:creator>Duffy0611</dc:creator>
<dc:date>2019-10-01T08:11:03Z</dc:date>
</item>
<item>
<title>Credit card stolen</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-stolen/01/856080#M891
</link>
<description/>
<pubDate>Thu, 26 Sep 2019 00:59:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-card-stolen/01/856080#M891
</guid>
<dc:creator>Bellayop</dc:creator>
<dc:date>2019-09-26T00:59:19Z</dc:date>
</item>
<item>
<title>Closed accounts</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/closed-accounts/01/853554#M888
</link>
<description>
<P>What are the closed accounts on the credit report and what are they used for?</P>
</description>
<pubDate>Wed, 18 Sep 2019 23:57:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/closed-accounts/01/853554#M888
</guid>
<dc:creator>jodistacey7442</dc:creator>
<dc:date>2019-09-18T23:57:04Z</dc:date>
</item>
<item>
<title>The simplest way to get rid of auto debt.</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/the-simplest-way-to-get-rid-of-auto-debt/01/849772#M883
</link>
<description>
<P>To help your personal financial wellbeing there is no arguing these two principals will help.</P><P>&nbsp;</P><P>Figure out how to:</P><P><STRONG>A.&nbsp; Earn more.</STRONG></P><P><STRONG>B.&nbsp; Spend less.</STRONG></P><P><STRONG>C.&nbsp; Do both.</STRONG></P><P>&nbsp;</P><P>When it comes to <EM>B. Spend less</EM> I encourage people to start with their biggest spend areas.&nbsp; For most Americans these are 1. Housing (most commonly mortgage or rent)&nbsp; 2.&nbsp; Transportation (most commonly auto costs) and 3.&nbsp; Food.&nbsp; (yeah the stuff you eat.)</P><P>&nbsp;</P><P>For me the lowest hanging fruit was auto.&nbsp; I went from paying $650 a month for transportation to $50 dollars a month by simply moving a bit closer to transit and learning how to use it.&nbsp; I also got a nice commuter bike and used that to commute whenever possible.&nbsp; It was nice increasing my net worth while decreasing my waist line!&nbsp; &nbsp;</P><P>&nbsp;</P><P><A href="https://jimsestito.com/writing/f/the-most-cost-effective-transit" target="_blank" rel="noopener">Learn a bit more about the cost of transportation here and how you can too use that as a power tool in your quest for financial well being!&nbsp;</A></P>
</description>
<pubDate>Mon, 09 Sep 2019 17:56:43 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/the-simplest-way-to-get-rid-of-auto-debt/01/849772#M883
</guid>
<dc:creator>Jim_Sestito</dc:creator>
<dc:date>2019-09-09T17:56:43Z</dc:date>
</item>
<item>
<title>Credit cards</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards/01/846561#M873
</link>
<description>
<P>Is it better to try and pay off 1 credit card, and pay the minimum on the others? Then continue to do it with the others. My interest rate is the same for all. Also, will my credit score go up when I pay and close the credit card account?</P>
</description>
<pubDate>Thu, 29 Aug 2019 21:58:48 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards/01/846561#M873
</guid>
<dc:creator>mranegar</dc:creator>
<dc:date>2019-08-29T21:58:48Z</dc:date>
</item>
<item>
<title>
Credit cards are being closed because I haven’t used for awhile.
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards-are-being-closed-because-i-haven-t-used-for-awhile/01/844189#M868
</link>
<description/>
<pubDate>Thu, 22 Aug 2019 22:28:54 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/credit-cards-are-being-closed-because-i-haven-t-used-for-awhile/01/844189#M868
</guid>
<dc:creator>SZM</dc:creator>
<dc:date>2019-08-22T22:28:54Z</dc:date>
</item>
<item>
<title>Closing 2nd oldest Credit Card</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-2nd-oldest-credit-card/01/844172#M866
</link>
<description>
<UL><LI><STRONG>I want to close my second oldest credit card which is Capital One... how much will it impact my Credit Score?</STRONG></LI></UL>
</description>
<pubDate>Thu, 22 Aug 2019 21:15:43 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/closing-2nd-oldest-credit-card/01/844172#M866
</guid>
<dc:creator>lhaytz</dc:creator>
<dc:date>2019-08-22T21:15:43Z</dc:date>
</item>
<item>
<title>Student loan consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-consolidation/01/842475#M862
</link>
<description>
<P>What are some reputable student loan consolidation companies/program&nbsp;</P>
</description>
<pubDate>Sun, 18 Aug 2019 23:25:35 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-consolidation/01/842475#M862
</guid>
<dc:creator>Overtlh7</dc:creator>
<dc:date>2019-08-18T23:25:35Z</dc:date>
</item>
<item>
<title>How can i claim insolvency on credit card debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-claim-insolvency-on-credit-card-debt/01/663743#M858
</link>
<description>How do I claim insolvency on credit card debt</description>
<pubDate>Thu, 06 Jun 2019 09:47:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-can-i-claim-insolvency-on-credit-card-debt/01/663743#M858
</guid>
<dc:creator>sddavis66</dc:creator>
<dc:date>2019-06-06T09:47:51Z</dc:date>
</item>
<item>
<title>Tax Debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/tax-debt/01/836723#M852
</link>
<description>
Is there subject matter expert regarding my spouse’s tax debt? My spouse didn’t pay taxes for many years - unbeknownst to me. We have never filed jointly... always ‘married but filing separately’. He was found guilty of tax evasion and served 18 months. Right now he is completing the halfway house portion of his sentence. I have filed for divorce.<BR />Can I talk to someone about what I can expect from the IRS with respect to me? The property I own is mine... in my name.
</description>
<pubDate>Sun, 04 Aug 2019 22:04:44 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/tax-debt/01/836723#M852
</guid>
<dc:creator>Santiago</dc:creator>
<dc:date>2019-08-04T22:04:44Z</dc:date>
</item>
<item>
<title>
How to consolidate all credit cards to one low payment
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-consolidate-all-credit-cards-to-one-low-payment/01/831592#M849
</link>
<description>
Is there a loan or a company that will work with you to consolidate at a low rate ? I currently can’t work, and need a solution to pay off my credit cards and car loan
</description>
<pubDate>Mon, 22 Jul 2019 10:30:46 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-consolidate-all-credit-cards-to-one-low-payment/01/831592#M849
</guid>
<dc:creator>Chloe87</dc:creator>
<dc:date>2019-07-22T10:30:46Z</dc:date>
</item>
<item>
<title>Can I get a personal loan if I have bad credit</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/can-i-get-a-personal-loan-if-i-have-bad-credit/01/828172#M840
</link>
<description/>
<pubDate>Sun, 14 Jul 2019 19:22:26 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/can-i-get-a-personal-loan-if-i-have-bad-credit/01/828172#M840
</guid>
<dc:creator>Denadtaxes</dc:creator>
<dc:date>2019-07-14T19:22:26Z</dc:date>
</item>
<item>
<title>
Which personal loans are best for low credit ratings
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/which-personal-loans-are-best-for-low-credit-ratings/01/828170#M839
</link>
<description/>
<pubDate>Sun, 14 Jul 2019 19:20:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/which-personal-loans-are-best-for-low-credit-ratings/01/828170#M839
</guid>
<dc:creator>Denadtaxes</dc:creator>
<dc:date>2019-07-14T19:20:08Z</dc:date>
</item>
<item>
<title>Debt??</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/823884#M829
</link>
<description>
Why is turbo tax telling me I have debt when everything is paid off???
</description>
<pubDate>Fri, 05 Jul 2019 05:36:23 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/823884#M829
</guid>
<dc:creator>Rpratt03</dc:creator>
<dc:date>2019-07-05T05:36:23Z</dc:date>
</item>
<item>
<title>Debt consolidation</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/823559#M827
</link>
<description>
Is it beneficial to my credit for me to get a loan big enough to cover my student loans and all other debts? I should be able to get a better apr<BR />
</description>
<pubDate>Wed, 03 Jul 2019 22:29:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt-consolidation/01/823559#M827
</guid>
<dc:creator>Frost1</dc:creator>
<dc:date>2019-07-03T22:29:31Z</dc:date>
</item>
<item>
<title>best Consolidation loan?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/best-consolidation-loan/01/822556#M821
</link>
<description>
I need to consolidate Credit Card debt. Approximately $10,000. I need the best interest rate for a consolidation loan available. Does anybody have an opinion of what to look for? Credit score just under 700.
</description>
<pubDate>Mon, 01 Jul 2019 20:23:32 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/best-consolidation-loan/01/822556#M821
</guid>
<dc:creator>Kcain001</dc:creator>
<dc:date>2019-07-01T20:23:32Z</dc:date>
</item>
<item>
<title>Debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/821334#M819
</link>
<description>
Is the amount show on my credit report on this site ALL the money I owe? If I pay that will I be 100% debt free?
</description>
<pubDate>Fri, 28 Jun 2019 22:50:15 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/821334#M819
</guid>
<dc:creator>Jenhill0617</dc:creator>
<dc:date>2019-06-28T22:50:15Z</dc:date>
</item>
<item>
<title>Loans</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/loans/01/819401#M812
</link>
<description>Am I able to borrow from this year's taxes?</description>
<pubDate>Mon, 24 Jun 2019 21:43:09 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/loans/01/819401#M812
</guid>
<dc:creator>huffheather35</dc:creator>
<dc:date>2019-06-24T21:43:09Z</dc:date>
</item>
<item>
<title>Foreclosure</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/foreclosure/01/817712#M809
</link>
<description>
My house might go into foreclosure my credit is very bad. What can I do are there any loans I can do
</description>
<pubDate>Fri, 21 Jun 2019 00:19:05 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/foreclosure/01/817712#M809
</guid>
<dc:creator>Ape511</dc:creator>
<dc:date>2019-06-21T00:19:05Z</dc:date>
</item>
<item>
<title>
I took out 21,109$ in student loans and as soon as I graduated I went to prison is there a program or help for this
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/i-took-out-21-109-in-student-loans-and-as-soon-as-i-graduated-i-went-to-prison-is-there-a-program-or/01/754103#M799
</link>
<description/>
<pubDate>Fri, 07 Jun 2019 03:02:01 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/i-took-out-21-109-in-student-loans-and-as-soon-as-i-graduated-i-went-to-prison-is-there-a-program-or/01/754103#M799
</guid>
<dc:creator>Derekblair</dc:creator>
<dc:date>2019-06-07T03:02:01Z</dc:date>
</item>
<item>
<title>Paying off debt?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/19361#M787
</link>
<description>
I have enough in savings to completely pay off all my debt in collections (a total of 5 accounts, 3 are the same company). Is it better to pay off all debt at once or to make payment arrangements with the the collection agencies? If I make payments (on time) would it turn the collection into a positive? Or no matter what, will I need to wait the full 7 years to get them removed?
</description>
<pubDate>Tue, 12 Mar 2019 19:07:02 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/paying-off-debt/01/19361#M787
</guid>
<dc:creator>Hecopisk</dc:creator>
<dc:date>2019-03-12T19:07:02Z</dc:date>
</item>
<item>
<title>
HELP! I'm struggling to keep up with my credit card payments
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/help-i-m-struggling-to-keep-up-with-my-credit-card-payments/01/5062#M733
</link>
<description>
With the balance and interest constantly stacking up, it's impossible to keep up. What can I do?
</description>
<pubDate>Fri, 27 Jul 2018 17:24:37 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/help-i-m-struggling-to-keep-up-with-my-credit-card-payments/01/5062#M733
</guid>
<dc:creator>jimmyjam</dc:creator>
<dc:date>2018-07-27T17:24:37Z</dc:date>
</item>
<item>
<title>Debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/12402#M730
</link>
<description>
Do you think the best option to get out my debt would be to go through a debt relief program?
</description>
<pubDate>Tue, 12 Feb 2019 19:04:26 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/debt/01/12402#M730
</guid>
<dc:creator>Daisye</dc:creator>
<dc:date>2019-02-12T19:04:26Z</dc:date>
</item>
<item>
<title>Parent pulse loans</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/parent-pulse-loans/01/12424#M728
</link>
<description>
Getting help or advice about paying off this loan without penalty
</description>
<pubDate>Tue, 12 Feb 2019 20:37:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/parent-pulse-loans/01/12424#M728
</guid>
<dc:creator>Lastfridge</dc:creator>
<dc:date>2019-02-12T20:37:08Z</dc:date>
</item>
<item>
<title>Student loan cosigner</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-cosigner/01/18474#M726
</link>
<description>
Is there a way to get myself off as a cosigner on my son's student loan debt
</description>
<pubDate>Thu, 07 Mar 2019 04:45:30 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/student-loan-cosigner/01/18474#M726
</guid>
<dc:creator>chrisnron0704</dc:creator>
<dc:date>2019-03-07T04:45:30Z</dc:date>
</item>
<item>
<title>
How To Prioritize Emergency Funds, Savings and Paying Off Debt
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-prioritize-emergency-funds-savings-and-paying-off-debt/01/59#M720
</link>
<description>
<P><span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="FeaturedContent_Debt_Prioritize.jpg" style="width: 653px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/33i16D6F22744CB2B23/image-size/large?v=1.0&amp;px=999" role="button" title="FeaturedContent_Debt_Prioritize.jpg" alt="FeaturedContent_Debt_Prioritize.jpg" /></span></P> <P><TIME datetime="2016-04-13T08:00:52+00:00">Apr 13, 2016</TIME><SPAN>&nbsp;/ By&nbsp;</SPAN><A title="Posts by Zina Kumok" href="https://blog.mint.com/author/zina-kumok/" rel="author" target="_blank">Zina Kumok</A>&nbsp;</P> <P>&nbsp;</P> <P>We all want to be more responsible with our money. While that sounds great in theory, it can get confusing once you start to break things down. Emergency funds, savings funds and debt all need to be addressed regularly, but trying to figure out a consistent method leaves some paralyzed with indecision.</P> <P>&nbsp;</P> <P>One of the problems that tends to trip people up is prioritization. Allocating your finances to the right place is crucial, but how do you decide how much to put towards any one purpose? How can you cut through the confusion and get your finances on the right track?</P> <P>Read on for our tips.</P> <H6>&nbsp;</H6> <H2>1.&nbsp;&nbsp; Save a Mini-Emergency Fund</H2> <H6>&nbsp;</H6> <P>You need to save at least a partial emergency fund first. If you don’t have one and have to face a crisis, you’ll probably need to borrow the money. That means you’ll end up in more debt – whether you owe a family member or a credit card company.</P> <P>&nbsp;</P> <P>A basic emergency fund should be around $1,000. That will cover minor emergencies like new tires after your car has a blowout on the highway, last-minute plane tickets to a funeral, or a brief ER visit.</P> <P>&nbsp;</P> <P>Each time you deplete your emergency fund, halt any other debt-reducing or saving until you build it back up. Once you’re debt free, you can focus on building a more substantial emergency fund, covering between three to six month’s worth of expenses.</P> <H6>&nbsp;</H6> <H2>2.&nbsp;&nbsp; Refinance Debt</H2> <H6>&nbsp;</H6> <P>Before you start paying off your debt, you should find other ways to reduce it. If you have high-interest credit card debt, do a balance transfer onto an account with a 0% offer. See if you can refinance to get a lower interest rate for your other debt, including car loans, mortgages and student loans.</P> <P>&nbsp;</P> <P>When you refinance, make sure that your new loan doesn’t extend your terms. The longer your loan, the more you’ll pay in interest. You should use the refinance as an opportunity to save money, not spend more of it.</P> <P>&nbsp;</P> <P>After you refinance, keep making the same payments you were previously. Doing so will shorten how quickly you pay off your debt without forcing you to make any changes to your lifestyle.</P> <H6>&nbsp;</H6> <H2>3.&nbsp;&nbsp; Focus on Saving</H2> <H6>&nbsp;</H6> <P>The general rule of thumb is that you should put between 10-15% of your income towards retirement. While some people advocate for focusing all your efforts on debt payoff, putting money toward retirement now can save you money later.</P> <P>&nbsp;</P> <P>Why? Because saving for retirement is designed to be a long-term approach, and the most important aspect of saving for retirement is time. The more time you spend saving, the more you’ll have – simple as that. That’s why putting a little bit away for 40 years is better than putting a lot away for 20.</P> <P>&nbsp;</P> <P>“A 28 year-old that saves $5,000 a year into a retirement account – if they average 8% and retire at age 68 – should earn approximately $1,295,000,” said CFP Peter Creedon of<SPAN>&nbsp;</SPAN><A href="http://crystalbrookadvisors.com/" target="_blank">Crystal Brook Advisors</A>. “To match the $1,295,000, a 40 year old would have to contribute $13,583 a year until retirement if we use the above parameters.”</P> <H6>&nbsp;</H6> <H2>4. Create a Debt Payoff Plan</H2> <H6>&nbsp;</H6> <P>Once you’ve started saving for retirement, you should focus on becoming debt free and creating more money to throw at that debt. There are two ways to do this – lower your living expenses or increase your income.</P> <P>&nbsp;</P> <P>You can increase your income by asking for a raise, finding a new job or starting a side gig. Working an extra 10 hours a week at $10 an hour will yield about $400 a month before taxes.</P> <P>&nbsp;</P> <P>To decrease how much you need to live on, you should find areas of your budget that you can cut. Do you eat out too often or have a yoga studio membership that goes unused? Are you paying too much for car insurance or internet? Take the money that you cut from your budget and apply that to your debt payments.</P> <P>&nbsp;</P> <P>You can pay off your debt with one of two strategies – the snowball or the avalanche method (more on that later this week).</P> <P>&nbsp;</P> <P>Once you’ve paid off your debt, put the money you were spending on monthly payments and beef up your emergency fund. Now you’ll be saving for yourself and your future instead of paying off old debt.</P> <P>&nbsp;</P> <P><EM>Zina Kumok is a freelance writer specializing in personal finance. A former reporter, she has covered murder trials, the Final Four and everything in between. She has been featured in Lifehacker, DailyWorth and Time. Read about how she paid off $28,000 worth of student loans in three years at&nbsp;<A href="http://www.debtfreeafterthree.com/" target="_blank">Debt Free After Three.</A></EM></P>
</description>
<pubDate>Tue, 13 Mar 2018 05:21:00 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/how-to-prioritize-emergency-funds-savings-and-paying-off-debt/01/59#M720
</guid>
<dc:creator>MariP</dc:creator>
<dc:date>2018-03-13T05:21:00Z</dc:date>
</item>
<item>
<title>Account charge off</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/account-charge-off/01/27651#M718
</link>
<description>
In March of 2019 I paid off my student loan debt, in full. This morning (late may 2019) I received an email that my student loan company did a charge off on my account. It dropped my credit score 52 points! From everything I've read, a charge off can happen when you don't pay your debt and they "give up" on your account. BUT, it is already paid it off, Completely! Can they still place a charge off, should I dispute it? It took my so long to raise my credit score back up and now this one move has Completely set me back.
</description>
<pubDate>Sun, 26 May 2019 16:53:38 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/account-charge-off/01/27651#M718
</guid>
<dc:creator>Hecopisk</dc:creator>
<dc:date>2019-05-26T16:53:38Z</dc:date>
</item>
<item>
<title>Lower debt</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-debt/01/25435#M716
</link>
<description>
How do I go about combining all my debt accounts into one to lower my debt?
</description>
<pubDate>Tue, 21 May 2019 22:50:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-debt/01/25435#M716
</guid>
<dc:creator>Qolive</dc:creator>
<dc:date>2019-05-21T22:50:51Z</dc:date>
</item>
<item>
<title>Improve credit score</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/improve-credit-score/01/25434#M715
</link>
<description>
Im trying to improve my credit score an combine all my debt accounts into one. How do I go about doing that?
</description>
<pubDate>Tue, 21 May 2019 22:49:47 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/improve-credit-score/01/25434#M715
</guid>
<dc:creator>Qolive</dc:creator>
<dc:date>2019-05-21T22:49:47Z</dc:date>
</item>
<item>
<title>Is all debt bad?</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/is-all-debt-bad/01/266#M652
</link>
<description>
<P>Is there any kind of debt that's good to use? Or should I always stay out of debt? Never get a credit card or take out a loan?</P>
</description>
<pubDate>Wed, 21 Mar 2018 02:57:40 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/is-all-debt-bad/01/266#M652
</guid>
<dc:creator>RentGuru2018</dc:creator>
<dc:date>2018-03-21T02:57:40Z</dc:date>
</item>
<item>
<title>
Featured Discussion: Common Reasons You May Be in Debt
</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/featured-discussion-common-reasons-you-may-be-in-debt/01/5861#M556
</link>
<description>
<P>&nbsp;</P> <P>Our Turbo blog recently published an article highlighting the <A href="https://turbo.intuit.com/blog/debt/want-to-live-debt-free-stop-doing-these-5-things-926?cid=int_community_blogdiscussion_lowerdebt_common-reasons-youre-in-debt-and-what-to-do-about-it" target="_blank">top reasons why people are in debt along with suggested fixes and next steps.</A></P> <P>&nbsp;</P> <P>The five categories include:</P> <UL> <LI>Not using a budget or trying to track spending</LI> <LI>Lacking an emergency fund</LI> <LI>Borrowing money for college</LI> <LI>Using credit cards as a clutch</LI> <LI>Incoming is lower than expenses</LI> </UL> <P><STRONG>Can you relate and have you gone into debt for any of these reasons?</STRONG></P> <P>&nbsp;</P> <P><STRONG>If so, where are you on your debt journey?</STRONG></P> <P>&nbsp;</P> <P>People go into debt everyday for a number of different reasons and whether you’re looking for advice or you’ve been through it yourself, we would love to hear from you.</P> <P>&nbsp;</P> <P>&nbsp;</P>
</description>
<pubDate>Wed, 21 Nov 2018 19:17:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/featured-discussion-common-reasons-you-may-be-in-debt/01/5861#M556
</guid>
<dc:creator>MariP</dc:creator>
<dc:date>2018-11-21T19:17:12Z</dc:date>
</item>
<item>
<title>Which to pay off first car or CC</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/which-to-pay-off-first-car-or-cc/01/20794#M553
</link>
<description>
Which should I pay off first goal is to be debt free ASAP. A credit card with a $6000 balance with 16% APR or the car loan I just got $10,000 balance with 12% interest. Thanks.
</description>
<pubDate>Thu, 28 Mar 2019 02:33:45 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/which-to-pay-off-first-car-or-cc/01/20794#M553
</guid>
<dc:creator>Princesskings</dc:creator>
<dc:date>2019-03-28T02:33:45Z</dc:date>
</item>
<item>
<title>Lower my bill and make less payments</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-my-bill-and-make-less-payments/01/8936#M551
</link>
<description>How to combine all my bills into one payment</description>
<pubDate>Sun, 13 Jan 2019 16:22:27 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/lower-my-bill-and-make-less-payments/01/8936#M551
</guid>
<dc:creator>richnelson</dc:creator>
<dc:date>2019-01-13T16:22:27Z</dc:date>
</item>
<item>
<title>Help to not be a cosigner</title>
<link>
https://ttlc.intuit.com/community/lower-your-debt/discussion/help-to-not-be-a-cosigner/01/18476#M549
</link>
<description>
Is there a way to get myself off as a cosigner on my son's student loan debt
</description>
<pubDate>Thu, 07 Mar 2019 04:52:07 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/lower-your-debt/discussion/help-to-not-be-a-cosigner/01/18476#M549
</guid>
<dc:creator>chrisnron0704</dc:creator>
<dc:date>2019-03-07T04:52:07Z</dc:date>
</item>
</channel>
</rss>