 I just got a credit card. should I pay it off right away or wait till I get a statement? |
| Im really new at this whole building credit thing. I Just got a credit card with Bank Of America and I have been paying it off as soon as the balance is posted. If not then I pay it off that week, ... |
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 My boyfriend and I are trying to get a small personal loan to build up our credit? |
| We both have bad credit like in the lower 500 and high 400 but we want to build that up. We are trying to buy the house we are living in right now but can't. The lender informed us that we need ... |
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 Should I go Bankrupt with the new law??? |
| Here is the situation...I owe 30,000...and I make 25,000 before taxes. I have a lawyer and she says with the new laws I would not be able to but with the old law no problem. I want to know what you ... |
|
 What can happen in court when being sued for credit card debt? |
I am unemployed still and going to court over a wells fargo credit card debt of over $4000.00. can they lock me up?
BIG QUESTION #2 WHAT ABOUT COURT FEES+COSTS?
I really need some real ... |
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 What is a good free way to increase your credit rating? |
| If you want to secure a good credit rating, how is it best achieved?... |
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 Is having credit card debt okay as long as you can pay it off? |
| I have about $5 grand of credit card debt now which can be brought down to 0, in less than a year, depending on how much I really want to pay it off. However, is carrying large amounts of debt (even ... |
|
 What are some signs that you have been a victim of identity Theft? |
| I'm starting to think that my identity has been stolen. Right now i'm having a hard time getting a job, i have seriously been trying all this summer and no luck. They always tell me they ... |
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 I lost my house due to bank cups how long dose it take to come off Ur credit ref? |
| as when u put in for a loan my credit is good but because my house is still on the list. till it is removed from list i can not get a ... |
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 I have bad credit does any one know of any department stores that will give you a card to help rebuild? |
| I have bad credit does any one know of any department stores that will give you a card to help rebuild your credit. Like walmart target ect.... |
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 How can i resolve this problem? i co-signed a car loan for a friend who is in jail and cant make the car paymt |
| this has messed up my credit record real bad. as the loan is still outstanding. is there a way to get out of this?... |
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 What is the best thing to do when your up to your neck in debt? |
| I have 2 cars that I got for me and my wife back in 03 but I dont make as much as I used to and have been behind on the payment for the longest time, should I just let them go and have them both ... |
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 Payments not taken ? |
| I bought a 3 piece suite last year on pay in 12 months. I have moved since I bought them so haven't received any letters from them. I was waiting for the first payment to go out of my account so ... |
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 Can you request a CC company to lower your available credit? |
And will it hurt your credit?
I have just paid off a 5000 CC but would like to keep the card @ maybe $500. Wasnt sure if you can request it to be done and if it would affect you. If so i will ... |
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 Is there anyway to find out your credit score for free? |
| i know there are sites that offer this but they all want you put in your credit card info and then you can cancel it if you don't want it but i wondered if there are sites that don't ask ... |
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CHUCKY! | Any serious advice would be appreciated?? |
Should I work with a debt councillor or should I file for bankruptsy??? Which is more beneficial??
Big time debt, credit cards at max and creditors hounding us and we never have time to do the bills on time and can barely pay the min. We fell way back and now we have to do something desperate. How can I survive?? |
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bostonianinmo
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Under current Federal law, in order to file bankruptcy you will have to go through credit counselling first. Talk to any bankruptcy attorney; they'll spell it all out for you. |
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Dawn C
|
Have you tried to work with the creditors themselves? Let them know your situation, try to work something out. Bankruptcy stays with you 7 years. I would either work with your creditors or check with a credit counseling agency.
A trick that works for me is every payday, I pay my credit card. Not the minimum they ask for, the minimum plus the finance charge. This way, you are paying more of your debt off, and if something does happen and you can not make a payment, you should be a little ahead. Also, if the statement has a balance, but the minimum payment due is $0.00, pay what the finance charge would be, but make a payment even if the statement says $0 due.
Does your bank have automatic bill pay? I would look into that also. But work with your creditors, get a minimum payment you can afford and they will accept, make your payments on time. A show of good faith toward your creditors will get you back on track.
Bankruptcy should be a very last resort. |
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sacharose
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Go to a debt counsellor, they will find a way to consolidate your debt so that your monthly payment will be easier to handle. |
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BonnieJ
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Bankruptsy i would say,, as soon as i filed and it went thru i was offered credit again which i didnt take,,, kill the credit cards for life,, if ur smart,,, or u can consoldate everything and pay it off for the rest of your life lol,,, 10 years its off your record and your back on your feet as long as your dont screw up again an make bad credit for yourself,,, if your 100.000 in debt or more then i suggest it,, if not pay it...
! |
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stopccdebt
 |
If you can get a lower payment through credit counseling, then it may help you get your credit and budget back on track. They can usually get much lower interest rates also. What is really beneficial is that many creditors will re-age your accounts (return to current status) when you sign up for a debt management plan. This can reduce your payments and eliminate late fees.
You may wish to contact a local credit counseling agency. Make sure they have a satisfactory rating with the Better Business Bureau. |
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Dr. Ruth Less
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debt consolidator. Bankrupsy laws are tougher now and besides bankrupsy is not a means to make problems go away. You need someone to help you manage your money and bills. Bankrupsy will not help solve that problem, if anything you would find yourself asking the same question a few months after bankrupsy. Call up CCC. |
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cfoxwell99
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Try a debt counselor first, if that does not look promising, them file for bankruptcy. Good luck, I can sympathize with you. |
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Jack G
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Write your creditors explaining your situtation they might have a solution. Or credit counciling. |
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words_smith_4u
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Debt councilor. If there is no solution except bankruptcy, then they can tell you. They might be able to help you consolidate the bills and set up a payment plan. If not, then you've done your best. |
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Joe K
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DO NOT file bankruptcy. Even if you choose not to pay anyone, and even if you forget about the debt counselor, DO NOT FILE. It will only make your problems worse. |
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Luckys Charm
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hiol |
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