 Which bank will give a discharged bankrutee a visa card? |
| A friend of mine was discharged from her bankruptcy early december last yr and wants to get a visa card so she can pay for goods in shops and over the net.She doesnt want an overdraft or any credit, ... |
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 Am I going to be forced to live in a cardboard box? |
| I will graduate in 2 weeks with a Master's degree in Mental Health Counseling. Yes, this is a great accomplishment, but it has come with a hefty pricetag of about $90,000 (undergrad debt ... |
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 Does your credit score go down everytime somebody checks it? |
| Ive heard that and I was wondering how many times does it take for your credit score to decrease? Im trying to buy a car and two dealerships have checked it so far but i want to try one more car ... |
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 Pay off car, or pay off credit card? If anyone can give me financial advice it would be appreciated.? |
Ok, so here is the sisuation.
I have a new car loan for 21,000K dollars, at 8.5% interest. My payment is about 390$ a month.
I owe a installment payment to Bank of America, for two credit ... |
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 Applying for a credit card that would build my credit report? |
| Hi all, I am new to the united states and has been living here for a year. My current credit score is between 600-700 and I want to open a new credit card account to build my credit history here. W... |
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 Bankruptcy possible? |
| We are a family of 3, annual income about $21k. We have about $5k in credit cards, $7k in medical bills, $14k in student loans, and $2k in miscellanous debts (utilities, etc.) As well as about $15k ... |
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 What is the best first credit card to get? |
| I would like one hat has good rewards, with no annual payments, i have no ... |
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 Why do so many people fall into credit card debt so easily? |
| A lot of people before they get credit card are determined to make full credit card payment every time and say that they can never fall behind because they are responsible. But after a short while, ... |
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 Debit Card Question? |
I have a debit card with about 800.00 dollars on it. Can I use it like a credit card at clothing stores, apple inc etc. By that I mean not over the internet, at the actual store.
thanks
... |
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 Does filing bankruptcy mean I loose my car & house? |
| If I file bankruptcy will I loose everything I have? Will all my debit be down to zero? How does bankruptcy work?... |
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 After I pay my debts, how long does it take for my credit to rise substantially? |
| I will pay off all of my debts in 6 months. Will my credit go up immediately after they're off of the books?... |
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 How do I improve my credit score quickly? |
| My credit score is far worse than I thought, and is dropping by the minute. I have a lot of debt, and little to no time to pay it off. I HAVE to buy my house in June and basically have to raise my ... |
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 Credit card? |
say i dont pay my credit card bill and the bank that has my savings and checking also issued me a credit card,can they go into my account without permission and take the money to pay my bill?
<... |
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 How do I start a credit score? |
| I am 18 years old and have no credit whatsoever, can i have a good credit score by june? and how do I start obtaining credit?... |
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 Difficulty with Experian, re: disputing errors on credit report. HELP? |
| I've been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second ... |
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 Why would identity fraud be my problem and not my bank's ? |
| Suppose someone manages by digital or other means to trick my bank into paying out money which it incorrectly thinks that I have authorised. Isn't this the bank's problem in the end ? S... |
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William E | Are credit management companies a good idea to eliminate debt? |
I'm going through a credit management company to help me lower my debt. I am about $15K in the hole with various credit cards and department store credit cards. I mailed out cease and desist letters to each of them to quit calling me, because I get calls every day at home, and even a few times at my job. Let me know your experience(s) with this. |
 |
 
snickers
|
Years and years ago, I went through something like this....I went through a debt management program and a man called all my creditors that I listed and tried to get them to lower their rates of interest....most did as they wanted their money.....I then had to cut all my cards and put them in a large glass bowl he had there with others that were cut up....he did all the work really.....I then just paid the debt management agency one payment a month and it went toward my credit cards/loans.....they do all the sorting as to where and who it went to.....I liked it as it was in town and well known and reliable.....It also helped as no creditor ever called as I was paying off just in a different way. Can they call you at work? Sorry about that....I'd go nutty.....I'm not sure how it all worked, but I just did my part and they did theirs......instead of paying 6 different payments, it was just 1......took years to pay off, but have great credit now......just stay local and not over TV or buy into any of that.....this was a Catholic Charity place, but they take anyone and hold meetings on debt management and debt consolidation.....good luck and hope something I said helped...it's heck to be in debt......... |
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Lys C
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From my personal experience I would say NO. You can call your CC and negotiate lower interest rates and many have hardship programs that will help you get current with your cards. The problem with the debt mgmt I didn't know was that the cards all show as closed by credit grantor - they made payments late to the cc and some were even listed as charge offs... I am now trying to repair my credit. |
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netdebt1
 |
Most of the calls you receive are automated and their goal is to track what times you answer your phone and keep detailed records of your habits. There is little more you can do, but wait. Only time will heal your situation.
Its not legal for your debt settlement/ management company to advise you to not answer the creditors calls, but i'm sure that this is the strategy that most people in your position take.
Good luck with your journey to get out of debt.
www.netdebt.com has some good information and free advice via chat. |
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Sofia K
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There are various debt consolidation programs, which gives you a lot of options. You could either select a paid service or go for the many free services available. |
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haidee
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Yes they really can help you a lot. In this fast racing world you can trust something like that but be sure that the company your working for is legal and can be trusted so that your money would not be a mess. Visit this site it might help you a lot: http://www.creditrepairbiz.com/biztestimonials.html and an opportunity for you to earn some extra money on your pocket |
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Busy Lil Bee
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If you are in over your head then and Bankruptcy is NOT an option then these credit management companies will save your sanity! Be sure and go with a reputable company and do not get scammed out of unwarranted fees. Make sure that they are regulated by your State. Your cease and decist letters should put an end to the calls (mail via certified mail for proof of receipt) until your debts are resold to another bottom feeder. You can also demand that they correspond only via mail with you. Years ago I was in the same boat and I mailed out letters to my creditors and the bottom feeders they sent after me; I explained that with my current financial situation I was seriously contemplating Bankruptcy and they backed off - because they would get no compensation with a Bankruptcy discharge. You can use that tactic to your advantage. Just do some research on reputable credit management companies online but stay clear from the credit repair companies - they are bogus. Good luck! |
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ankyonline007
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as you are 15k debt do one thing contact debt management companies and see how much they are able to lower your debt . They will try to negotiate with creditors . most of these companies donot charge fee from person under debt so you can try . for more info visit http://ankuronline.com/?p=9 |
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Brandi
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If you are using a credit mang company then BY LAW after 3 months they can not call you. If they keep on then you can file a law suit with them. |
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