 Should i payoff my car or paydown my house? |
| i have 4 years left on my carpayments, 3 years left before my 2nd mortgage (interest only) adjusts. should i use my extra $$$ to pay off my car or paydown my mortage principal?... |
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 Not paying cc debt..? |
| my cc cards range from $7-11 thousand.. if i stop paying on all of them will they be able to get the money later on? can they garnish my wages in the future or take me to court? what is the worst can ... |
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 Honestly, how much do you owe credit cards? |
Just wondering how much do people owe in credit cards.
Please be honest...... |
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 Money help, we are so much in debt and don't know how to get out!? |
| I don't know how to get back on track. We aren't making as much money as we were a year ago. Our credit is going down the tubes. Literally! Our credit scores were in the high 600's and ... |
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 I have a bill that might be reported to the credit bureau? |
| I have a bill for $90 that I just got a letter from saying that if I don't pay within seven days it'll be reported to the credit bureau. I already talked to these people like three weeks ... |
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 I have an HSBC debit card...? |
I am looking to buy something online...but the only options for cards are VISA,MASTERCARD,JCB,SWITCH,SOLO and ELECTRON...
My debit card has MAESTRO on it (and CIRRUS at the back) Which one ... |
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 I'm 19 and have no credit but need to get some? |
| what do u suggest i do as i don't have enough credit to get credit cards etc.... |
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 Credit card with score of 636? |
| what credit card can i get approved for with a score of 636 and i derogatory item on my report which i am currently disputing i already have a secure credit card i am just looking for a way to ... |
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 Will I still have a bad credit? 10 points for honest answer. Thank you? |
| Over 2 years ago I had a minor accident. I went to the hospital for couple times. The bills were about $990. I had a health insurance, but the health insurance have never paid for it. Finally, last ... |
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 Where and how to apply for credit card? |
| Iam just trying build my credit. well, I would like to have a credit card. Where do I apply for one with low interest. Thanks in advance.... |
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 E-bay / pay pal? |
| i have just sold an item on e-bay(first timer!) the payment is in my paypal account but not in my bank acount yet(had a few prob getting my way round it),is it ok to dispatch item to buyer, as i feel ... |
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 I have poor credit. Where can I obtain a small $600 loan/credit card with no fees.? |
| I have poor credit. Where can I obtain a small $600 loan/credit card with no fees. I need the money to invest in a new career that will hopefully get me back on track.... |
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 Credit cards for kids? |
| is there a credit card where my kid can use it but i pay it off?... |
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 I (minor) just bought a visa debit card, and my mom won't let me activate it.? |
| I'm 15, and I just bought a visa debit/prepaid card from HEB/netspend.com, and was told that in order to activate it, I was told that I needed to fax them my mom's social security card, my ... |
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 What is considered a Good credit score.? |
| i just receive my score one is 660, 690,689. so am ??? in terms of what is a really good score.... |
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 I have had a letter from a debt coll. agency. The debt is from 1997, am I still legally bound to pay? |
| This is relevant to law in England & Wales - I have heard that after 6 years, the debt is 'statute barred' ie expired, and although this debt agency has threatend me with court, would ... |
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 Do you think it's right that an employer makes his whole hiring process based on your credit.? |
Additional Details
Ok, what if the person has fell on hard times and bills got backed up judgements fell on them and no one would hire them because of such. You try to better yourself ... |
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 New capital one credit card? |
| ok i just got approved for my first credit card a capital one it should be here in 10 days im very good with paying my bills so that not a problem it said that i'll have a 0% intro APR untill 4 ... |
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Leprechan | Any suggestions on how to get out of debt quickly? |
I am already working two jobs and serve in the Army reserve. Bad thing is I have bad credit so I cant seem to get a loan that I can afford. Have several offers, but dont want to just get something else I cant pay. Dont want to file bankruptcy, but am almost thinking that is the only option left. Anyone with any suggestions please let me know, I would greatly appreciate it. |
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Jonathan J
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there are a lot of ways to help reduce your debt. The first thing you might want to consider is to look into debt consolidation. Sometimes the offer given is actually an overall reduction in interest which is beneficial, sometimes it won't be beneficial so buyer beware!
Also you may want to look at what you owe exactly. Are they all credit cards? Different banks? If this is true you should try to set out a plan of attack. The goal would be to consolidate the debt into one card and knock it out completely. How I did it was I knocked out the card with lowest interest rate first and used it to transfer funds to the other card. I no longer had to pay as much and I actually improved the credit on the better card, I got to consolidate much quicker and cancelled my other card the day I cleared it (i learned that even if a balance is zero, a bank will charge you a retarded fee sometimes.)
Second and most important, start reducing the amount of money you spend.
Stop eating out all of the time.
Have cable internet? reduce it to DSL unless you torrent day and life for the rest of your life (if you play WoW, now is the time to quit).
Have a cell phone and a home telephone line? get rid of one or the other (some phone companies will let you have DSL without phone service if you argue with them enough). If you run out of cell phone minutes you can make calls over skype for as little as 2 cents a minute ($45 a year if you want your skype account to have a land line number).
Just how often do you watch TV? You can survive with just on the internet alone thanks to legitimate new sites now like hulu.com and the improved southparkstudios.com.
There are also loads of quick jobs you can do for quick cash. If you live near interview marketers/software companies, you can call and ask for times that they do focus groups. You can easily get $100 cash for a 1 hour survey.
You mentioned you are part of the army reserve. When I first started college I had access to a military base. At least at that base, the grocery baggers were paid on tips alone. I could go there whenever I had time and easily pick up $50-60 in a few hours to pay for food and help out with the monthly bus pass. It may differ from base to base (the one I went to was Travis Air Force Base, my community college was right by there). Also don't think of it as embarrassing or anything as I know people young and old that do it. |
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wpgeezer
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Getting further loans will only put you deeper in debt. Talk to the people you owe money to, make realistic payment arrangements. Spend less. Set up a budget. Self discipline.
Oh wait, you said quickly, rob a bank. |
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JEM
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I am in the same boat as you. I am gettng married next year and want to buy a house but....my credit is horrible. Since you are working 2 jobs (like me) try to pay off you debt as best as you can. I have a lot of credit card debt and I am just trying to pick a card and try to pay it off. You also need to build your credit back up. Get a credit card and BE CAREFUL and try to build your credit back up. Good luck. |
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bdancer222
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First, stop living beyond your means. Make a strict budget. Get rid of all the extras -- eating out, cell phone, buying new clothes, premium cable and internet, etc. Take every penny you can squeeze out of that budget and put it on the highest interest rate debt, while making minimum payments on the rest. When the highest interest rate debt is paid, move to the next till they are all paid.
Find ways to being in more cash. Have a garage sale, collect alum cans, get a third job -- pizza delivery has flexible hours.
If you really work at it, you can pay off all your debt within 3 years. |
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hrm
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Sell what you're living in
sell your car if you're in a big town
see if you can live with friends/family for a bit. |
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Curiously
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try to consolidate your credit cards...get all the debt under one credit card and get rid of the cards that get to a 0 balance so you don't use them. it will not be overnight and will be hard but you can do it.
Bankruptcy doesn't get rid of your debt anymore. The goverment changed that about four years ago. so that will not solve the problem.
Just pay as much as you can, get rid of bills that you can live without, example cable, cell phone, car (take the bus ), go out less, eat out less, buy generic foods...good luck |
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don a
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1. Pay off your highest rate cards/debts first. STOP USING CREDIT CARDS and pare them down. Revolving credit is a kiler to your budget.
2. Contact your debtors and see if you can negotiate a lower rate of interest in return for discontinuing use of the card.
3. Some agencies offer debt counseling at no charge. Check with your local social services agencies and other non-profits in the area to see if they can help or provide referrals.
Good luck.
--------------------------------------...
http://www.bestcreditrates.net |
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Pink Tresses
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I am so sorry to hear you are struggling.
There are some great online sources for getting out of debt. Just take a deep breath, you will get through this. |
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Caleb
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Before filling bankruptcy you can try the agency named http://www.ezconsolidation.com which provides military debt consolidation.They also provide various other debt consolidation services...just check it out
As you are serving in Army reserve...and you are already working two jobs.....I guess you would not have any problem resolving your debts..so dont worry. All the best my friend.. |
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Mediocre Deity
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I'm working with www.creditsolutions.com
I just started so I can't say for sure if they will help me in the long run, but they did reduce my debt drastically. (By over 50%) And they got the calls to stop. |
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pepper
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Beats me, but if you find out, could you let me know? |
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Cat
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Rob a bank. |
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bigjohn B
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Cut up your credit cards. |
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Jennifer D
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become an escort |
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