In the example above that would be $100K*80%= $80KYou can apply for a HELOC at 80%, use that money and pay off the credit card debt or at least most of it.Important final point, and I think that is what Caleb and Charles are pointing towards: Ask yourself if that balance on the credit card is a result of spending you had to make at that point in time (i.e. emergency) and with a frugal/practical mindset, or was there spending that as frivolous.You might say: "it was a little bit of both". 

zero interest credit cards should be used for true emergencies such as for medicine, urgent care, plumbing leaks, etc.

You've got less than 30 days before freezing temps out there in Michigan.Can't believe you didn't know his utilities had been off this long.Have your utility company have you as emergency contact for any shutoff's, power, gas, water..Your only choice I feel right now is to have the power put back in your name so you can protect your property from freeze damage,  until the guy gets evicted. 

Hi there, not sure if this is the right forum, but I'm interested in starting a real state service business on the side (I have a full time job and rental properties), and recently came across a carpet/ flooring cleaning company in Austin TX that is in the market for sale, the owner started this business a few months ago and ran that for 3-4 months, the demand was solid for the start (revenue around $20k/month with one truck/van), he wanted to expand but got into family emergency issues and now he's selling the business, there are no financial statements as he says he's basically selling the assets (van, machines etc.).

Build a "Contractor Stable", which the most important pieces of that is a General Handyman, HVAC guy, and Plumber as these are the most likely to gouge you in emergencies if you don't have one lined up.

But before leaving ( i had to go back family emergency) I hired a friend. 

I am trying to get a HELOC in place just in case of an unforseen emergency expense (AC, roof, hot tub etc) and I am a little confused on the process. 

When we saw how they froze them during the crisis, we realized it would have caused us a lot of pain if we still used one then, as we didn't have much of a real emergency fund when we had a HELOC, thinking the HELOC would be our emergency fund as well. 

Purchase price: $265,000 This house was initially bought to be my primary residence but shortly after closing I had to move back to Fredericksburg, Virginia due to a family emergency.

When doing research on areas that you are interested in, I would identify industries with positive growth trends, analyze market reports, industry publications, and economic forecasts, consider emerging markets and technologies.Personally, I invest in Columbus.