 What is the best Credit Card for a college student? |
| I am a college student trying to establish credit and am looking for a card with a low fixed interest rate. I don't know where to look because there are so many choices out there. Are there any ... |
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 What would be the best prepaid credit/debit card? |
I don't like carrying around actual money so instead, I carry my debit card. I am terrible with money, I keep spending it so I need to limit myself.
What would be the best prepaid ... |
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 Will cancelling bank account stop ACH payment without NSF fee? |
| I have two payees that want to hit my bank account for an ACH payments. The payments are in dispute where they say I owe them and I say that I do not. The payees had been previously authorized to ... |
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 Can an 18 year old with no credit get a car loan with no co-signer.? |
| He has worked the same job for a year and makes $900 a month. Besides "buy here pay here" are there any auto loans avaiable?... |
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 Question about an old collection acccount? |
| Yesterday I pulled my credit reports from all three bureaus and discovered that on one report there was an old collection account. I called the collection agency and discovered that it was for an ... |
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 Can you help me understand some credit questions I have? |
I need to hear from people who've experienced good or bad credit on their credit cards.
-What is the value of a good credit score when it comes to life? Things such as buying a car.
-A... |
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 How to build a good credit score? |
| I have no credit what so ever. I've tried to apply for credit cards, but been rejected from all. So how am I supposed to build a good credit score if I can't have a credit card? What can I ... |
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 My visa check/debit card? |
ok so i was at walmart ready to buy a videogame today..
it was $130 when my account only has like $20, but i thought it would go through and i can pay at the end of the month.
so i swipe ... |
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 Why am I finding impossible to get someone to pay a debt even if he has the means (money, property) to pay? |
| I lent some money to a friend who now refuses to pay it back despite having the means to do so. Normal legal procedure won't work because I realised too late that is a serial debtor and know all ... |
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 Credit Card? |
| I'm ready to get a credit card.. It's my first one any ideas on the one i should get?... |
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 Bancruptcy? |
| i owe 40k in secured debt and 35k in unsecured, if i go bancrupt will it wipe the secured debt too? even if its in joint names? im currently on a debt management plan for the unsecured stuff. i have ... |
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 Does debt counselers help? |
| or is it just another ... |
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 I Dont know what to do? |
| i have 3 credit cards and the limit on those are more then 14,000 all together but i cant pay them and i havnt payed any of them what should i do so i could bring my score back up and how?... |
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 How do you build your credit with a 566 score? |
| OK, pulled my credit report, my total debt is $6700.00. Thats it. I have no bankruptcy, no credit card debt. Its all collection accounts. I applied for a credit card and was turned down. I dont want ... |
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 How would i go about filing for bankruptcy ? |
how much do my debts have to be worth ?
Additional Details
I'm in the uk , off work sick and bailiffs are doing my head in.
and i probably owe around £4,000
to different ... |
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 Bad credit?? |
| I live in Ga. I have bad credit from when i just turned 18 and owe a little under $4000.00. I havent even paid anything for 4 years now. Any advise on how I can resolve my credit and pay for it ... |
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 In debt up to my shoulders? |
| how to get outta debt. 50,000 average owing. haven't even touched it. what can i do to get outta debt. whats the best place to help that will be able to do something for me with out breaking my ... |
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Pollabear | Bankruptcy .......I need help please : (? |
I have a huge bad debts that mount up over the years. I am in really bad shape and every month I'm just servicing the minimum sum for over 10 credit cards and 5 overdraft facility. Am at the verge of breaking down, and I cant bring myself to seek help from family cause I dont wish to be branded as my Dad cause he's a gambler, but dont get me wrong, I dont gamble, I just simply lost my financial management capabilities due too many uncertain issues that happened to my life and my family........I love my family and I would very much wanna give my Mother a good life, but with my current state, I'm really lost.....and I'm unfillial cause I've never bring my Mom to any overseas trip in her lifetime......I've checked every bank if they can help with a consolidated debt, but all turned me down except illegable money lenders and also possible cheaters trying to get at me with my plight.....I need some genuine guidance from compassionate people please......thankful to all of you. |
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robert495713
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Find a good bankruptcy attorney and talk to them. Some will offer a free initial consultation. This can get your debts structured so that there's a set payment plan and a definite end date to it.
Also, you could check into Consumer Credit Counseling agencies in your area. Explore your options. Either way your credit is already going to be destroyed, you will just have to work at cleaning it up afterwards.
There are plenty of mortgage companies and auto loan companies that will give you a loan a day out of a bankruptcy, so all hope is not lost if you decide to go that way.
I am not an attorney, and this is not legal advice. |
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frankzappa
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Just start the bk.... inform ur family....that u had not gambled it all away and that instead u wanted the American dream so u put it on a credit card and now it's ur worst nightmare....
The truth shall set u free ( I don't practice religion of any kind, but I like this phrase) Do not compound ur troubles by telling a bunch of lies or worse pretending u don't have any problems. No one should judge u and u should never judge anyone else, for u have not walked a mile in their moccasins.
START THE BK.... only if ur seriously in debt like 50 or 60 grand |
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aaajmom
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If you are at the point that you just cant manage any longer, then you dont have a lot of choices. Bankruptcy will not hurt you as badly as you think in the long run. Make sure you only include the items that you absolutely have no choice to. After your bankruptcy is discharged you will be able to finance a vehicle, but may need money down. You would have to wait about 2 years before would be considered for a home loan. You can rebuild your credit carefully afterwards by getting just one or two secured credit cards. |
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DJ
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You sound just like I did about 5 years ago. I had credit cards I knew I would never pay off and it was just a big burden on my mind. Money is the biggest problem that most people face today. I decided to file for a Chapter 13 bankruptcy. That is a repayment plan when all your debts are be wiped out, but you make one monthly payment to the court. I think it's better than Chapter 7 or 11 because you get to keep anything that isn't paid off yet, like your car, computer, or house. Chapter 7 or 11 wipes out the debt completely, but they take the property that you were paying for. Many experts say don't file for bankruptcy because it destroys your credit. Well, paying the minimum and not knowing if you'll be able to pay your current debt off hurts your credit too. Bankruptcies only stay on your report for about 7 years. I'm not where I want to be, but my credit has greatly improved. I went from a 590 credit score to 710. And my bankruptcy will be off my credit report in 2008, so that will raise it up even higher. I would say file for bankruptcy and take the load of this financial stress off of your mind. It will also help you save up better. Good Luck. |
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tikitiki
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Go talk to a bankruptcy lawyer. They'll work out your financial situation and advise you on the best route to take. Try to find one that has a free consultation, because they're not cheap when you have to file. Good luck! |
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brent o
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Hire a bankruptcy attorney immediately and speak to him. he would help you:
Attorney for your Bankruptcy
http://get-out-of-the-debt-trap.com/category/5-Tips-For-Getting-An-Attorney-for-your-Bankruptcy.html |
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technical difficulties
|
time to file for bankruptcy or at least call a bankruptcy lawyer and discuss with them what your situation is.
going to a bankruptcy lawyer doesn't mean you have to file.
:D
but it sure will help you to do this.
i filed, i'm glad too!
and no it didn't ruin my life or credit. i'm on the 4th year now since i filed and was discharged.. i'm doing great! my credit is rated a high c.
:D
do talk to a bankruptcy lawyer now.
most consolidation is a scam. don't do it. you'll be wasting money and time. creditors and banks don't take them seriously and you'll be out of money and out of luck.
and bankruptcy generally costs $1000.. and the lawyer will take a payment plan.
it's cheap, really it is.. in comparison to what you're going through now.
and your rights are being violated i love how creditors just mess with you so bad.. they know that you don't know your rights so they jack hammer you, scare you... they don't care until you realize that they've been screwing you over. the lawyer will make this stop also. |
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Sadie
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You might want to consult a bankruptcy attorney. While it's everyones last resort, sometimes there is no other way out.
A bankruptcy doesn't stay on your record forever, so it's not like you'll be branded with it forever. I would find an attorney that will give you a free consultation so you can get past this and learn some financial management skills.
Good luck and i hope it works out for you |
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epizan
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Change what you are doing and stop borrowing money. What you are doing is not working. You need to make more money. Look at your skills and see what you can do to make more money(don't look for another job. Look for something that will make you money) |
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