 I'm 48 . Is that too old to start getting a Ph.D? |
| I mean most people my age are thinking of retirement. I feel like Rip Van Winkle.... |
|
 Need help dealing with a collection agency? |
| These big Turds from Allied interstate collection company is calling my cell phone every hour looking for my wife. They are trying to collect a credit card she stoped paying 10 years ago in ... |
|
 I checked with 2 credit scores sites. my equifax fico score is different. one is 518 and the other is 621 ,? |
| how do i know which site / and score is correct. i think this some bulls*** , unless someone tell me otherwise. please help me let me know, also what can i do to get credit score up. i have one line ... |
|
 What credit card can I get if I have bad credit ? |
| I have bad credit and need a credit card. I need one that I can use to withdraw funds from the atm or use to make a money order. This is to pay my rent thats why I need either the cash or the ability ... |
|
 Is this a scam? |
| someone claims to be a gov't official and wants to give me a $5,000 grant that i have to never pay back because i'm qualified. All the info he wants is my bank name and bank account #. He ... |
|
 What is the best credit card for college students? |
| Can anyone tell me what the best college student credit card is? What's usually the credit card limit for students? I'm planning to get it just in case I need it when I go to South Korea ... |
|
 Would you live in a van for 3 months to become debt free? |
How about in a small car?
Author and millionaire Robert Kiyosaki (sp) wrote that he was living out of his car for awhile.
Additional Details
Maybe 6 months is more realistic.... |
|
 How can I remove charge off's from my credit report? |
| Can someone please advice some good advice on this matter.... |
|
 Can I legally do this? |
I have a paid $10,000 federal tax lien on my credit. The IRS placed the lien on there last year and just a few months ago, I was finally able to pay them off. On my credit it shows as released.
<... |
|
 I don't know how to fix his credit!?!? |
| my fiance has a credit score of about 550.we would like 2 buy a house soon,but i'm sure its pretty obvious that wont happen if we dont fix the credit problem.i have a few ??.i know this is going ... |
|
 Credit card help buying fleshlight but 17? |
| Im 17 and have a pre paid master card im buying something that you ned too be 18 for if i just check off the verify that your 18 box on the site will they be able too find out im 17???... |
|
 Is Capital one a good credit card to start with? |
| I want a credit card for just emergencies and I have a good steady job. If capital one is not good what is a good credit card to start with?... |
|
 What is the biggest amount of debt you ever paid off? |
| I am currently writing my story on my blog. On Christmas Eve 2008, I was unemployed with $647,000 of debt. I have since read Dave Ramsey's My Total Money Makeover and I am intensely focused on ... |
|
 I would like my automobile repo and would like to know what is going to happen after? |
| I let a person use my name to purchase an automobile and his negative equity on his prior automobile cause the loan to be 45k. The car is worth 25k and the loan is still 40k. The person split and now ... |
|
 Credit Card interest rate went through the roof, why? |
| Can someone help me? I got my 2 credit card bills the other day one is HSBC Bank and the other is CITICards, both showed an interest rate 19.99%. I paid both balances off in full and am considering ... |
|
 Pay one off or put a little towards all? |
| With my tax refund Im going to pay credit card bills, however, which is smarter? Put the refund all on one card or put a little on each card?... |
|
 If I had some money paid into my bank by accident do I have to pay it back? |
| I mean I really don,t have to say one way or another if its even in there If somebody asks do I?... |
|
 Whats the best credit card for a 18 year old? |
| I need a credit card, that has no annual fee. Ive been looking into the PayPal Mastercard, but it says it has a minimum finance charge. Even though this probably wont effect me as my parents will be ... |
|
 Does paying off your credit card balance in full every month still build credit? |
I am an 18 year old first year college student and I have a student visa through my bank. I have a 700 dollar limit and I think a 17% interest rate.
Every month I charge like 40 or 50 ... |
|
 680-687 credit score, was denied 8k car loan from capital one. Make about 60-70k/yr. why? what next? |
| I work 7a-730p, so I have to be up by 545am to catch the bus and I usually dont get home until 830-9p. I dont live far from work, but I live in LA so there is always much traffic. My initial goal was ... |
|
|  |
chocolate | Credit counseling or debt consolidation? so confused!!!? |
my husband and i are in credit card debt 35,000.. medical bills around 1,800 and school loan about 5,600... we are paying them all the minimum and killing ourselves doing so. we both work and hard to so please no answers about a second job. we are renting right now and are always late paying rent and car payments and our car was just repo last night. we are stuck right now and really don't want to file bankrup. my question is since we are a paying things on time can we even do credit counseling or debt consolitation? i heard that you need to be behind on your debts is that true? and what is the difference between credit counseling and debt consolidation. thank you very much for the help... |
 |
 
pibzz
 |
Be careful, the dirty little secret about credit counseling is that most are actually collection agencies.
They collect the debt for the bank, at usually pennies on the dollar, then turn around and get you to pay say 60 cents on the dollar, the difference is their profit.
Credit counselors do NOT work for free, and most make lots of money and are unscrupulous, so be very careful.
They promise you the moon but can't always deliver.
Not all banks go along with the CCC program, and many will negotiate with you directly at a better rate, if you just ask.
There is no simple answer just be careful, and research the company you choose thoroughly. |
|
SlimMick
|
CCCS (Consumer Credit Counseling Services) negotiates reduced (or zero interest)...which can help a lot. They require you to cut up all your cards and stop using credit.
Debt consolidators give you one loan so you can consolidate all debt into one payment. FYI: Student loans cannot be discharged in a BK filing |
|
bdancer222
 |
Here's the link to find CCCS near you: http://www.nfcc.org/
This is a legit non-profit company that can look at all your finances and advise you how to proceed. They also have debt management programs if you qualify.
The last thing you need is debt consolidation. That just shifts all the smalller bills into one huge bill. And a lot of these companies are just scams. |
|
Eds
 |
Before deciding to go for credit card debt consolidation, first find out if it is right for you. Start by totaling all the balances on credit cards and store cards and the APR charged on these balances. Be sure to include any other fees and charges applicable to the balance and even those levied if the balance is nil.
This will let you get an overview of all your debts on one sheet, to let you compare them at a glance. This information will give you a picture of the cost of each debt in terms of interests and charges and will help you in comparing it against the consolidation loan quotes that you will have to get later on to continue the comparison process further.
Asking Loan Quotes From Various Lenders
Begin with ... |
|
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 Special Edition.Check it out here:
http://nanoref.com/linksynerg/KvHqGQ |
|
blogger
 |
debt settlement will be a good option because that way you could eliminate up to 70% of your debt and it will not hurt your credit has much has if you file for bankruptcy which will stay in your credit for about 7 years, check out www.creditservicesolutions.com here they will give you a free analysis on your credit and give you the pros and cons on this options.
http://creditservicesolutions.com/ |
|
Karli
 |
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. |
|
*~Cam's Mommy ~*
|
We are in the same predicament. We're about 40,000 in debt not including 2 car payments and I'm at a point now where I won't be able to pay either. (I'll save you my long story) Needless to say I contacted a credit counseling service and was told that since I have always paid on time my interest rates would be too good to benefit from the program. Now I have to scrounge up money for a payment or just not pay. It's sad, but I'm at a point where my credit rating isn't worth my happiness so I've almost stopped caring, at least on one of my payments that is 502 a month..
Credit Counselors will take all of your unsecured debts and get them at a lower rate. You pay them one payment each month and they distribute them to your creditors. I didn't qualify b/c their payment would be more than my monthly minimums as of now. You may qualify, so it's worth a shot.
Consolidation just takes all of the debt you have and puts it together for one easy payment to a lender who pays your debt off for you. This is what got us into trouble to start with. We consolidated and now our consolidation payment is too high for us to handle due to having a baby and a loss of a job. Our circumstances changed, they don't care, they want their money.
We have seen a bankruptcy lawyer but we're just waiting it all out to see what happens with everything. We DO NOT want to file and are trying to do all we can to contact creditors and get rates lowered etc. With our economy so bad, they aren't budging.. so as of now, my credit is going to be shot.
I wish I could help you more but know you're not alone and a lot of Americans are where we are..it's sad :(
I wish you all of the luck in the world!! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 5 minutes(s) ago
| | | |
9 | 6 minutes(s) ago
| | | |
9 | 23 minutes(s) ago
| | | |
8 | 38 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
8 | 6 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
8 | 5 day(s) ago
| | | |
9 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
