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Client Services Has Changed Our Hours to Better Serve You
Monday - Thursday 9am to 6pm
Friday 9 am to 5 pm |
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Do you have a question? Ask Mary Melcer, president of Lighthouse Credit Foundation! With “Ask Mary,” you will receive a personal response to any question you may have, from general money management issues to inquiries about Lighthouse services! Browse through questions from past readers in our “Ask Mary” archives, or send a new question by clicking here.*
Lighthouse clients: If you have a question pertaining to your personal account with Lighthouse, please submit that question to client@lighthousecredit.org.
Click on a question below to view Mary's answer, or click here to view all.
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If I enter your debt management program, will I need to continue to take my creditors’ phone calls?
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Your representative explained re-aging to me, but it sounds awfully complicated. Can you explain how an account is re-aged in layman’s terms?
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Do your counselors help with questions about other types of debt, rather than just credit card debt?
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How do I know that my payments are being made to my creditors on time each month?
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Could I get my creditors to reduce payments and interest rates on my own without going through credit counseling and debt management?
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Do you have numbers regarding how many individuals are currently in debt? I am also trying to find out an approximation of how many clients you have in Lighthouse's Consumer Credit Counseling Program.
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We went through some hard times and did not pay certain bills (gas cards, phones, cell phones, etc.). We are now in the process of paying them off. Some of them are charge-offs on our credit. If we pay these, will it show up as paid on our credit report? Also, once these are paid, how long does it take for our credit score to start going up? Sometimes we are embarrassed about not qualifying for low interest on car loans, so we really want to "fix" our credit. Thanks for your help.
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I declared bankruptcy 3 1/2 years ago and my income is still very low at $19,000 with $5,000 in tips. I have a condo and a 2000 Focus all purchased at the time of bankruptcy. With an extended warrantee until November 2005 that I got for free because of recalls.
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I am currently a Lighthouse Credit client. My auto lease matures in 7 months and I will need to secure a loan to buy another vehicle. Will my status as a Lighthouse Credit client hurt my chances of getting a good rate on my auto loan? I know, as a member, I'm not allowed any new credit cards; does the same apply for other types of loans? For my next car? Or a student loan? Any info you can give me will be appreciated. Thanks for your help.
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We have been in Lighthouse credit for nearly 2 years, this June! The program has really helped us out. Thank you to all involved. We are really wanting to purchase our first home, but are having problems qualifying for a mortgage. Creditors see us being in credit counseling as a negative. We are also about 30 months away from being mostly debt free, except for a car payment. What do we need to do to get this first mortgage for a home? We are desperate.
*Please note: Lighthouse Credit Foundation reserves the right to publish or use any responses, questions or comments emailed to this address for promotional or other purposes without any further permission, notice or payment of any kind to the sender. All such submissions will be the property of Lighthouse Credit Foundation.
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