 Can a company debit my credit card before they have despatched the goods? |
| I thought I'd read somewhere that this wasn't allowed and it's happened to me twice this month!... |
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 How many credit cards are too many? |
| Is there a certain number of cards that a person should stick to having? Like for examply I have 5 credit cards right, but my total debt/credit line ratio is only like 30%... is this bad?... |
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 If I close the credit card I've had five years, and open another, how does that look credit wise? |
| I've had the same credit card five years, and have never been late with payments. However, I'm planning to pay that card off and have it cosed in exchange for another with lower interest, ... |
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 Doesn't rent count as credit? |
| I've applied at places like Kohl's, Sears, local grocery store, and online. They all say I have no credit. I even got my credit report from one of them and they said I don't have bad ... |
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 Did my coworker get what he deserved? |
| About a month ago I pissed off one of my coworkers and he called me a c*nt. I am not one to get mad, just even. So I let it go, knowing that his time will come. So...low and behold a creditor just ... |
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 I need to know a debt consolidation company for payday loans? |
| I need to pay these check advance places but I need help. Do anyone know of a debt consoldation company that will do this?... |
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 My credit rating is very very poor, I've been paying everything on time but its not improving? |
| I noticed about 8 months ago that my credit score is very poor(511) so I took the nessary steps and got my 3 open accounts up to date I also cleared 2 defaults lately and took my store card below its ... |
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 Which should I pay off first Motorcycle loan or Credit Card? |
| I just got back $2500 on my taxes, I'm going to use it to pay a good amount off but which one should i put it towards to? I have a bike that I owe $3523.99 at 7.25% or the CC which I owe $6023.33... |
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 I want/need a new life, can I leave my debt behind? |
| I've been going through a real low point in my life for a while now. Last year I broke off my engagement when I realised it just wasn't what I wanted. Don't really know what i want ... |
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 What's the best credit card for a new adult (18 years old)? |
| I'm about to turn 18 and I'll need to get a credit card, so that my parents cannot control my money any longer. what is the best kind to get and why (visa vs. mastercard, APR rates, ... |
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 Can you go to jail if you didn't pay your check advance? |
| My friend didn't pay his check advance at a check advance place. He got into a bit of money trouble and can't pay it back. What will happen?... |
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 Does paying your gas or electric affect your credit ? |
Additional Details
as in Gas Bill for Home or Electric Bill for home.... |
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 I've got a "register for electors" letter but am not sure if I should register? |
If I registered, would that mean that creditors could trace me back to my new adress?
Additional Details
I don't want any idiotic answer like "stephanie", just so they can ... |
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 I have no credit. I need a personal loan for about 20,000. Where can i go to apply for a loan.? |
| I live in the Washington D.C. area. Alot of bank will not give me a loan becasue I have no credit.... |
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 If you have debts, who do you blame for them? Yourself, The banks or The Government.? |
| I am curious, I am part of a generation that was brought up to believe that if you couldn't afford something you did without. Today however I have a few theories why people go into debt so ... |
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andre_us3000 | Can somebody tell me a good way to settle my credit card debt without destroying my credit? ? |
I recently lost my job and i can`t keep paying not even minimum balances. I have around $9.000 in debt and minimum balances add to almost $500 a month + i have the car payment with insurance $600 a month. Please guide me to the best solution that i have without destroying my credit score. Thank you |
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Zooey
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Unfortunately, there isn't one barring getting a sugar mama or daddy.
If you have no income at all, better find the money to get a Chapter 7 bankruptcy. You'll need to talk to an attorney, and not some fly-by-nighter that will leave you in worse shape than you're already in. Chapter 13 consolidation is right-out if you have no income. |
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Nick Z
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Sell your car and any other valuables you might have and pay off your debts.
It's not just about keeping your credit score. It's also about cutting your living expenses. When you don't have to pay any interest on your debts. And when you don't have to pay for insurance and maintenance of your car. Then you don't need that much income to survive.
Cutting your expenses is the prudent thing to do when you are unemployed. |
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Daniel K
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The best solution is to get a new job as soon as possible. Work 2 jobs if you have to until you pay down the debt. |
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Colette
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Consumer credit counseling. They are a non profit organization that can help lower your monthly minimum payment and reduce interest. Also, you can contact your individual credit card companies. A lot of times they have a hardship dept that will work with you during hard times. I used to work for Capital One and they did it all the time. Good luck. |
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private
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Sell that car, and pay off the credit cards. <}:-})
I had to sell my Jeep. <}:-{( |
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thomas
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You can go for a debt consolidation program. There your debt counselor would negotiate with your creditors and would reduce your debts as more often they have relationship with the major creditors. And thereafter would provide you with an affordable debt repayment plan. Or if your credit score is good you can also go for a debt consolidation loan as the subsequent payments made are considered towards a new loan. Thus you can improve your score by paying off your debts.
Here is the source of a debt consolidation company named http://ezconsolidation.com for your reference. |
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desdim
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Well, settling your debt in any way will help, not destroy, your credit. Contact your creditors and work out a plan with each of them. |
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Cheyenne
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I would suggest a NON PROFIT credit counselor. They will get your interest "frozen" and work out a repayment plan and keep your credit intact. Make sure it is Non Profit. |
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2 Happily Married Americans
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Take any job you can get and keep paying. You may have to do two jobs for awhile until the right one comes along, but don't fall for those scammers that offer to settle your debt for pennies on the dollar. So many of those companies will ruin your credit. If you can even work 40 hours at minimum wage, you can pay these payments. You will then have to have another part time job to raise cash for food and other essentials.
Can you move in with someone, or get another roommate to help offset expenses? Can you sell your car and get something less expensive, or take public transportation for awhile?
Don't use the credit cards for anything anymore. Live as frugally as you can. If you have anything you can sell on Ebay to raise some cash, do that.
If you have a relative who will help you out temporarily, borrow only what you cannot earn, and set a payment reschedule based on the same rate a bank would get, and have it go into effect when your work situation recovers.
It doesn't take long for things to spiral out of control when you are in this situation, but you can stay above water with time, hard work, and being as frugal and creative in making money as you can. When I was in a similar situation in my 20s, I rented a large house and rented out rooms to college students, and made enough to pay my housing and utiities, so all I had to earn was enough to pay for my medicines and car and insurance. In turn, I cooked for them, and was able to make it even though I was in poor health and only able to work part time. Just find what works for you.
Best wishes. |
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Kicker
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idk |
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Laurence S
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You can go for a credit counseling where your credit counselor would guide you how you can pay off your debts.
Here is the source of a credit counseling company named http://ezconsolidation.com for your reference. |
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Ruchir
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first tell which country you are in? |
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xiaoming
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take a part time job meanwhile...also either sell or rent out ur car |
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mewantmoney2004
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you can start using the bus, and not drive, in other word cancel your insurance, and maybe find a some job off the road lol. |
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