 How can I build credit if no one will give me a credit card? |
| I am 24 years old and have lived on my own and within my means since I was 18. I work in Commercial Real Estate and do fairly well. I pay my rent and all my bills on time (or within 2 days of on ... |
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 If I get a credit card, and pay it off every month before interest is added is it just like using a debit card |
| I mean, if I get the card, then pay off my bills by the due date..I won't have to pay any interest correct? I want a credit card to build up my credit but want to be extremely careful doing ... |
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 Closing a store credit card account? |
| I have a credit account to Best Buy, the electronic store, if i close this account while still having a balance, will it be worse than if i just waited to pay it off than close it?... |
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 Why is child support showing up on my Equifax credit report as a 'collection account'?!? |
This has to be killing my score.....and whats worse is the fact that I am timely on all payments.
It even has a notation that Im past due $1032, when I just called the office Friday and ... |
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 Does anyone know how long a credit card or collection company can come after you before they stop? |
| I've heard that after so many years, depending on the state you live in, you can get rid of your debt with out paying anything. Basically i'm trying to find away to get my debt cleared. It&#... |
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 What number = "bad" credit score? |
| OK, so what is the real deal on what number your FICO score has to be to be considered "bad credit" or "good credit"?... |
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 Please how can i check my balance inquiry from my credit cards both visa and master.? |
| i mean how much i have left in my credit card?just describe it for me step by step.i use visa and master ... |
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 Could i go to jail if i dont pay my debt? |
| I currently owe about 8 - 10 k in debt and i am currently unemployed for the last 4 months. If i cant pay it until i find a job can they sew me or put me in jail? Any answere willl be great. Thank ... |
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 Advise on collections, whether or not to pay a bill.? |
| I have a bill which I have not paid on in years. So far, the only thing that the collections people have been able to do is call me and send me mail. Big deal, I say to that. So, my question is, &#... |
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 Is it bad.....? |
| that i want to have the lowest points possible?... |
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 Horriable Credit ... Help!? |
I have the worst credit in the world( this is seriously bad) My score is some where below 520. At the current moment I owe about 35,000 and have 2 repossed cars.
Someone Help me.
A... |
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 PAYPAL PROBLEM HELP EVERy1!! EBAYERS HELP ME!!?!?!?!? |
| well heres my problem, i have sold a few things on ebay and ive withdrawed the money into my account.For the first day it said pending and in the second day it said complete, although they say this ... |
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 I have bad credit history anyone no were i can get a hd tv on finance? |
| i want to get a tv on finance but i have realy bad credit history does anyone no were to get one from who does no credit checks ?????... |
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 How do I get off a carloan as the cosigner? |
| I co-signed for my (now) ex-boyfriends car about a year and a half ago. I only did it because I was told that it would only be for a year, and then it could be transferred into his name. Well that ... |
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 I was contacted about a bill that the company said I never paid. However the bill was paid by check. They want |
| They want proof of payment. I would have to order the canceled check, which would cost me money or I would have to send a copy of my bank statement which Idefinitely would not be comfortable doing. B... |
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 On a senior first date to diner should the man pay check by cash or card for best impression? |
| the man does not want to appear"flashy" by exposing a lot of cash for a gormet diner but also is reluctant to to use the card as he is not a heavy card user and manages his finances well,... |
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davanna m | Can you really gget crimally procuted by ...? |
not being able to pay back credit cards i am on a fixed income and got overwalmed and now whats going to happend to me
Additional Details
i did tell them my income was higher than it was i thought i could afford them |
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goingmad
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Don't freak but you will be taken first to Court there they will assess how much you can afford to repay on weekly or monthly basis. As long as you pay back what they tell you, you will be OK. If you do miss a payment to the court you will need to give them a good reason straight away (and I mean a GOOD reason), because if you miss without good reason and/or don't contact them in a reasonable time they will issue a warrant for your arrest, and then you can end up with a short term in jail or a caution which shows on your records permanently.
Hope you manage to avoid that problem. Why not contact the credit card companies and explain and ask them to cancel your account and accept a payment of whatever you can afford each month? That may be the answer, or go to a solicitor and seek his/her advice? |
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Budlightgurl
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You cannot go to jail for credit card debt unless some type of fraud was committed. Debtors Prisons were outlawed hundreds of yrs ago.
But...did I mention they were pester the HELL out of you with phone calls and hate mail? |
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Monica
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It depends. Try to find out (not from the credit card companies, of course) if they can garnish your income. I think that for social security, they can't. Also, your state may have a level of income (quite low, of course, such as 5-6 hundred dollars) that nobody can touch.
Still, if they can take your money, that's not criminal prosecution. They are probably just trying to scare you precisely because there is little they can do if you don't agree to pay. But then, did you actually give them any excuse, such as pretending that your income was much higher when that was not true? Signing bad checks? Anything else?
What money you do have is safer if it is not at the bank or, if at the bank, certainly not at the very same bank that gave you the credit card. If it's their own bank, they can simply take money from your bank account. The credit card agreement or bank account paperwork may actually state that they can do that. |
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mailliam
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Hi davanna m. your best bet is to call to the bank in question and explain your situation as best you can. You see if you ignore them they will certainly come after you. It's not the end of the world things will work out for you, but you must show them that you are concerned / worried about the situation.
All the best girl things will be okay. |
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daddylongtrips
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Once they see the way you spell, and put sentences together, they'll feel sorry for you, and forget your debt. |
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bdancer222
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No you won't be criminally prosecuted.
The credit card companies will bug you for payment. They might even sell the debt to a collection agency who will hound you for payment.
They might sue you, depending on the amount. It use to be that going to court wasn't cost effective but some creditors are suing in small claims court. If you get a summons, be sure to show up in court. They will probably win a judgment and can then attach your bank account garnish your wages, and lien your property.
You say you are on a fixed income. If that is solely Social Security, they cannot garnish it nor can the take your bank account. If you tell them you're only source of income is Social Security, they may just leave you alone. |
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bigleybill
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They can put a lean on any thing you own. If you don't own anything leave town in the middle of the nite and don't tell anyone. |
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Quiet Storm
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They will do you like they did me. Send you a SUBPOENA to come to court. So if all else fail, do like I did,file a chapter 7. |
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Remy
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your going to have to file for bankruptcy and they will tell you which is your best option
peace |
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richard t
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they will take your stuff and maybe attach your income.......... |
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cookiegal
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i wish not being able to spell right was a federal crime. |
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Juniata P
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Yeah you can. Credit cards aren't just free money to spend. You actually do have to pay that money back to them. The first thing I would do is go back and get your high school diploma so you can read and write well. Then I would work my a$$ off to pay back all the money you owe so that you don't end up in the slammer. I'm not trying to be mean but it is against the law to not pay back those companies and they can take you to court over it. Good Luck! |
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Kay3535
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theoretically, maybe.
They can definitely sue you in civil court, but they hardly ever do.
Credit card companies are more interested in maximizing their return on investment. They're not going to waste time suing you over a couple thousand or whatever. |
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