 I received a demand for payment of money today in relation to a 7 year old catalogue debt that I cannot even? |
remember accruing.
I rang them but the company were not very helpful. What on earth can I do? Surely 7 years is not a reasonable time in which to demand payment.
I live in S... |
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 When one bank buys another bank out and sends someone in your family a credit card you didn't authorize what |
can you do. i had no knowledge of this and now they are taking me to collections.
Additional Details
can i do? the person that got the card did use it but the card was in thier name but ... |
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 Am I responsible for my dead mothers mastercard bill? |
| the account was in her name only but she applied for a supplementary card for me. The credit card company says I am liable for the unpaid ... |
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 I am in debt about 2,500 or a little less and currently unemployed for the time being. What should I do? |
| There are 3 credit cards I am going to fall behind on two of them this month and the other one of I already am behind on.. Also, my bank account is overdrawn about 981.00. I know that this isn't ... |
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 How do I redeem my iTunes gift card? |
| I recently bought a 25$ iTunes gift card in the US and I live in Canada. When I go to redeem my card in the US store, it says my account is only valid for purchases in the Canadian iTunes store and ... |
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 Can the credit card company , cancel my account for no reason? I made all my payments on time !? |
| the credit card company just sent me a letter saying that my acount was now closed and I know I made all my payments on time , can they just close my account for no good reason ????... |
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 If I check my credit history, will it make my scoring worse? |
| As in, if i do a credit check and then if a company do one after, will it be worse? Heard that the more checks you do the lower the scoring.... Please help XX... |
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 Cancellation a loan? |
| i got a loan. can i cancel it after 9 ... |
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 How can i clear my debt and raise my score? |
| how would I go about clearing my debt? I have about 2,000 dollars that I owe to an apartment complex that my roomate and i use to live at. they claim we messed up a lot of stuff at the apt..which is ... |
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| I just got a Check for 3,000 from someone I don't know.? |
| How can i know for sure that this check won't bounce before I cash it. Is there any way whatsoever to know before i cash it.... |
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 How can I go about getting a free credit report? |
| it seems there are always strings attached or you have to mail all this info, bills, licenses etc.. is there a place where i can just get 1 free credit report on-line for free?... |
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 One man asks me to recieve money and buy laptop for him? |
I know it's bad. I gave him ONLY my credit card number and name of the bank. That's it.
He did transfer to my Credit Card account 3,760. Now my balance is (-3,760)
WaM... |
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 How long do CCJ's stay on your record and how long do you have to keep debt free before it's completely clean |
Additional Details
Studly & DaveyPadua both deserve the 10 points, sorry I cant give it to both. I'm going to leave this question as unresolved, thanks to everyone who answered.... |
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 Need Loan.. Whare are the Loan sharks in Ohio??? |
| Need a Loan.. Can double payment.. Where are the loan sharks in Ohio???... |
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 How do I get them to stop?? |
| Okay, so I have bad credit. That was six years and 3 months since my last payment to two credit cards. Both accounts have been bought and sold many many times over the past years, but now because ... |
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tspjay | Can someone help me get a loan to pay-off all cedit debt that I owe? |
I do have a job but may credit is extremely bad and I need to turn that around please help me. |
 |
 
Rick B
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You can't pay off debt by borrowing!!!!!!!!!!!!!!!
Call all of them and work out a payment plan and try to get your interest lowered or stopped.
Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.
You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership.
Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.
Go to the library and get "The Total Money Makeover". Read it and follow it carefully.
Go check out Dave's website as well. Yahoo is blocking his site again, so take out the spaces in the following:
www. Dave ramsey. com |
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Rich Z
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You won't improve your credit by borrowing (especially on an unsecured loan).
New debt at worse terms will not help old debt go away. It will make your situation get even tougher to handle. |
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src50
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Borrowing to get out of debt is like drinking water to avoid drowning; it doesn't work. |
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lisa s
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how about going to prosper.com
and tell them your situation.
www.propser.com
maybe they can help....if not, just pay like you have been now and your credit will come back |
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mwarrior 1
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I'd suggest a 0% card for a balance transfer but you'd have to get the score up for that first (unless you have a relative who's willing to let you get a supplementary card and use a 0% rate).
Other than that, 2 options are: A: Ask the lenders/issuers for a lower interest rate. You'd be surprised, they do reduce the rates sometimes.
B: Just keep paying them off. Pay off the highest interest rate first. If your next highest interest rate is the same on 2 cards, then pay the one with the higher Debt to Credit Limit first. THe lower your usage %age, the more it helps your score.
That way once your score goes to even 680+, you could apply for a Citi card and attempt a balance transfer for 0%, helping you a LOT more to pay the balances off. |
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kes_12
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I agree with Lisa S. Check out Prosper.com. If you are funded you can use that loan as a debt consolidation loan. Try joining a group first. That will help you get funded. |
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julesoriginals
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You need a credit counselor who can help to consolidate your credit.
CLOSE ALL ACCOUNTS AND STOP SPENDING!
Go to your bank and ask for help - they will recommend someone reputable. |
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amy s
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Yes~ you have several options.
The first option would be refinancing and consolidating that debt into your mortgage. Your interest rate may be higher but your total monthly payment would be lower.
If you cannot refinance as a last resort i would go under credit counciling~It destroys your credit, as much as a bankruptcy would~But they settle with your creditors and give you one monthly credit payment they base on your income so that you can afford.
Good luck! |
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Jennifer
 |
Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News.Check it out here:
http://doiop.com/creditsolution2 |
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Jayden
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Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan<!--allows you to condense your monthly payments into a single, simple bill, while lowering your interest rates and helping you pay down your debts more quickly and easily. It is also an essential tool in avoiding the much more serious step of declaring bankruptcy.
http://best-loans.awardspace.com/Loan-Consolidation.htm
Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several-->old loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail. |
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