I am falling way behind on some bils, I want to get a "Home Equity Line of Credit"?
The key to financial power lies in your credit rating. If you plan to get a home loan, save money and get better credit starting now!
If you own a car you'll probably need to sell it, even if you're upside down and you'll have to by a car you can afford - if you cannot afford a 20,000 new car payment you may be able to afford a payment on an 6000 - 10000 car plus 2/3ooo upside down, either way the payment will be reduced.
You'll also need to take all the 'crap' you own (the result of your 30,000 debt) and get rid of that stuff too, sell it on ebay, craigs list or any other low cost or free ad spaces. Use that money to start paying off you smallest debts first, if they're credit cards, pay off the smallest balances first and CANCEL THOSE CARDS.
Then visit daveramsey.com - and enroll in financial peace university and start spending less then you make.
Best of luck
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