 Question about overdraft fees on checking account? Please help answer? |
| I was told that I didn't have enough money in my checking account by my bank, but before I knew this, I used my card to purchase things. I looked at my statment, and I spent 4 dollars on ... |
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 Does Anyone know about pass due bills, what I mean is I heard after 7 years they are cleared, is it true? |
| I'am asking for a friend, she's a big fan of Susie Ormen I think that's her name she's a Financal adviser, well I just want to know is it true.... |
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 Is this a violation of the Fair Debt Collection Practices Act? |
| I made arrangements with a debt collector to pay off a balance in 3 monthly installments. The arrangement was sent to me in writing by fax. All payments were to be taken out of my checking account ... |
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 How do i get a credit card? |
| how do i get a credit card like mastercard visa and ... |
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 Crdit report? |
| Where can I get a copy of my credit report on line that is really FREE?????... |
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 Visa gift card??? |
| i bought one, used it, and dont know how to discard it? there is no more money on it jus want 2 kno how to get rid of it.... |
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 Can anyone help me or tell me where i can get a bad credit loan with out first paying money up front? |
| I borrowed money to get a loan for a friend who needed medical care,i became ill myself got behind on my payments,not hard to catch up.... |
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 Is this a high interest rate on credit? |
16.24% variable APR, on an Amazon card.
Is this really high?
We have no credit cards but we are shopping around right now.
Thanks
Additional Details
Can you suggest a ... |
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 Bad checks? |
| my mom has some bad checks out how do i pick them ... |
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 Getting out of debt? |
| I have a serious ongoing problem. I am a single mom that owes probably $4000 in unpaid bills. now one of my credit card companies turned me over for collection, and they want either a reduced ... |
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 My credit is good but im late for my payment every month? |
| i have a loan with citi financial and im late every month im really busy .. and i always end up paying late,.. but my credit has never been affected someone said its cuz i pay before 30 days?... |
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| Should I apply for a fixed rate loan to pay off credit cards? |
| I have $25,000 in total credit card debt (3 cards). Interest rates are 4.99, 5.99 and 11.74. The card with the highest balance is also the highest interest rate. According to a debt calculator I used,... |
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 Credit card transaction question? |
I purchased a doll for my daughter on October 23rd. I wanted to use my debit card to pay for it but the store only took credit cards, so they ran it through as a credit card.
I never ... |
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 Credit card interest rate of 29%. Isn't this usury? |
| I understand interest rates, but good grief, that is just outrageous. The mortgage on my house is only 5.75%. This can't be legal.... |
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 What can I do if my friend doesnt want to pay me back my money?? |
| Ok I have a friend that I let her borrow my credit card because she had an emergency I have a $8,000 credit limit she use it all and now she doesnt want to pay me back that money! She runs away from ... |
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 Credit Question? |
| I just got my credit score. Its only 689. I have two credit card which I owe about 5000. between the two. I plan on paying them both off in the next 4-5 months. How much will this raise my credit. I ... |
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 Does anyone know where to get a personal loan if you have bad credit? |
| I have a garnishment I need to pay off, and a personal loan would be far better on payments than the garnishment I have.... |
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laluza | Can I solve a debt problem before going to court? |
After my divorce I ended up with almost all the bills. Some of these ended in collection; now I received a letter stating that I will get sued. I called the agency and told them that I want to start making payments. Do I still have to go to court? |
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ginger
 |
If you haven't been served (sued) yet, MOST creditors are more than willing to work with you. If you are already called them to begin making payments you will probobly get something in the mail regarding a payment plan. It seems like they would have told you what you needed to do or what they would be doing while you had them on the phone. |
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mark
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Unless the amounts are large, they will not take you to court. Debts that have been sold to collection agencies are sold for pennies on the dollar (depending on what they believe their chances are). If you owe for example $1000, it is unlikely that they will sue. The court costs will exceed the amount they will receive.
Your credit is trashed anyway, and the original company that you owed has sold the debt. Sending threatening letters is standard operating procedure as they get close to writing off the debt as uncollectable.
I would concentrate on paying original creditors (those that have not sold the credit), and to hell with the collection agencies. I have no sympathy for them. |
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Hima K
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Join a debt settlement company who will negotiate with the law firms and bring down your principal debt amount by around 40% to 70%. They will also give options for monthly payments as per your convenience.
You can make payments directly too but it will have hign interest rates. The debt settlement company usually negotiates for either less or no interest rates.
check out this company. They have helped me out with the unsecured debt situation. Take a wise decision immediately before the problem gets worse.
Good Luck
http://www.debtfreeafterall.com |
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Maggy G
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You can also try and get a debt consolidation loan to make it easier on yourself. The rates are generally lower so your payments will also be lower. You can use the website below to comparison shop: |
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Click
 |
I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you. |
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roxiecat4200
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It depends on the company, most will allow you to pay, on their terms...some want you to pay it immediately. If you have the money to pay immediately then pay it, most likely you can talk them down a bit, usually about 20 to 30% of the debt by telling them you have so much, but no more.
Good Luck. |
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OC1999
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Yes collection agencies are willing to make payment arangements. They will try and play hardball with you but in most cases you can get them down in the amount to pay. You might want to consult a credit counsling agency as they can also help in negociating with the creditors.
If you have only received a letter saying you will be sued and have not been served yet, then there is no suit yet so no need to worry about the courts. The thing they look for is if they sue you will they be able to garnish your wages or bank accounts. If they know you work, then they will sue you for any amount of money, don't go in thinking they won't if the amount is small, I have seen people who were sued for only $150.
If you have formally been sued and have a court date it would probably be best to go to it and just let them know you set up the payment arangements. |
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ferrethed
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You still have to go to court, but if you start making payments you could ease the pain the judge lays down on you |
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peanut
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if you send them $5.00 and them send it back you ,they the bill is taken off due to your making an attempt |
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