 Compromised creit card? |
| Overall, it seems like everyone says that closing a credit card is a bad idea and that it will hurt you credit score. Well, what if I think my credit card has been Compromised? I dont neccessarily ... |
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 Co-signing for a home loan? |
| My father wants me to co-sign with him, but i'm looking to buy my first home within a year, My question is will the bank allow me to take out another loan? and can it affect my credit?... |
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 Is my mother in law responsible for a car loan debt after the death of her husband? |
| My father-in-law passed leaving the loan(debt) of a car. The car is solely in his name. She does not need or want the car, Is she responsible for the car? Plus the car is too expensive for her ... |
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 My Ex-employer sent me a letter saying they overpaid my salary, what do i do? |
| I used to work for citigroup and they sent me a letter saying they overpaid me by 1200 and need payment from me. I know this cant be true and I think the company messed up. They said it is being ... |
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 How to get a loan with bad credit? |
| I need to find a 5000.00 dollar loan and I have bad credit. this is an emergency any options will do thanks.... |
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 Are you learning with me it just be best to use cash for everything and not your banks or credit cards? |
| I hope others out their are getting some hands on training with these questions in the past few days.... |
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 Bad credit? |
| i have bad credit any suggetions on how to fix it??... |
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 Does anyone agree with me? |
| That the banks that illegally sold the mortgages to people who obviously could not afford to pay them, should be made to pay and not the victims of the banks scam. The buyers ie victims then lose ... |
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 How can I have good credit again? |
| I have about $20,000 in credit card debt from four years ago. I have two student loans totaling approximately $7000 which are in default. I have a judgement against me for about $4300 from a credit ... |
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 Lost job and credit went to hell? |
| i had about 5k in revolving account and a car loan for 21k now thats down to 10k. my problem is i had 5 credit cards and a 2k loan all of witch where just about maxed out. well i lost my job for ... |
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 Question about mortgage? |
When do you pay mortgage, is it right at the begining of the month or... at the end of the first month?
Additional Details
SAY IF I MOVE IN ON 1ST MAY DO I PAY THE FIRST INSTALLMENT ON TH... |
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 How hard is it to get approved for an auto loan with bad credit.? |
| I am trying to get an auto loan but there are some negitives on my credit. I am trying to get them off. How hard is it to get a brand new car with bad credit?... |
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 If you have no credit because you always pay cash, what's the best way to establish credit? |
| I've heard people say you should get a credit card and only pay the minimum for a few months to carry a balance that is reported. Is that true?... |
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 Car Finance Guarantor - Help? |
hi All,
I wonder if someone could offer any advice. My sister purchased a car about 9 months ago and took out finance on it. She managed to persuade my mum to go guarantor on the payments (... |
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angelo l | Credit issues Should I file for bankruptcy???? |
My credit has gone down the drain. I wish I could pay off my debt but it's just to hard to do. Every penny is count for. Rent food child care daily living expenses. How true are those fix you credit people. I'm thinking about calling them or maybe filing for bankruptcy which I know isn't very good that will be on credit for life. Repairing my credit will show that I paid off my debt I just feel very stressed out and overwhelmed. |
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beccasmom99
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If you can avoid filing bankruptcy, I would advise you to do so.
I know how you feel, finances are stressful enough without creditors bothering you and sometimes bankruptcy can feel like the only way out. I would suggest getting in contact with a budget counselor and seeing if they can't help you first. |
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iceman
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Alot of people make the mistake of filing for bankruptcy just because they have alot of debt. Having debt in itself does not hurt your credit score. Allowing your debt to go into collections is what hurts it. As long as you can make your minimum payments, just keep on doing what you are doing. If you file for bankruptcy you may have extra money on the side for while. But your credit is ruined for up to 7 years. So dont do it unless you are letting alot of your bills go into collection. Consolidate if you have to, get a loan from a friend or family member if you have to, but dont file bankruptcy unless you are out of other options. |
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Reenie
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Try to repair your credit before filing for bankruptcy. You could try a credit repair company to help with this. This site has some helfpul information on how to go about doing this. Good luck to you! http://creditrepair.divinfo.com/ |
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Gillian G
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As the others have said, bankruptcy is an absolute last resort. There are alternatives and you should explore these if you possibly can. Your creditors don't want you to go bankrupt because they will get nothing - so it's worth your while and theirs for you to find a solution.
Here's a website with some useful information and places where you can get help.
Good luck! |
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juli o
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Nope.....
How to Avoid Bankruptcy Explained: With the rising consumerism, aggressive advertising campaigns and increasing incomes, people are living well beyond their means. As a result, they are burdened with heavy debts. If they are unable to repay the dues, they have to file bankruptcy. Bankruptcy is the last resort when you are reeling under financial problems |
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saffykaffy
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Well my suggestion would be to first find an alternative to bankruptcy, for example Consolidating your Debt. Also, STOP charging. The worst thing you can do now, is to add on your debt. The only thing you can be charging is your daily living expenses (IF NEEDED). No other misc. things can be charged. Let me know if you need another other help. |
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Maggy G
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Get a debt consolidation loan. The rates are usually lower than consumer debt, so your payment should be lower. Try the below company for rates and payments comparisons |
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*****
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Avoid bankruptsy as long as possible. Leave it as a last resort, when your back is against the wall. |
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bdgizzy
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You could do either one of those options. It would be in your best interest to try and locate the best Debt Counseling Co.. My sister used one of the Counseling Co. and she raves about it. Make sure you contact the BBB before going w/any co. Good luck. |
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T L
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bankruptcy should be last resort... i would suggest to you that you talk to a financial advisor because they can help clear the situation... especially if you are stressed and overwhelmed... someone else to sit down with you and look at everything together might help you take control of things once again... also, consultations are usually free so you you can hear them out and decide whether to use their services or not... do your research and find an advisor you feel comfortable with... i've known people in your same situation and another point of view is always helpful... good luck! |
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Charisma
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I think you have to rearrange your whole living strategy. (monetary wise) You got yourself into this mess, now you have to take responsibility for your actions and get yourself out. As I have said before bankruptcy is not even an option. (don't go there)
Leave the credit fixers as your last resort if possible although there are good ones out there that don't charge at all or do so for minimal cost.
I said rethink your monetary way of living because you have to begin cutting down on those things you thought would be a luxury to have, such as cable, dininig out and buying clothes and other goodies. Shop non name brands of cleaning items, such as shampoos, soaps, toilet paper, buy food from aldi or other groceries outlet.
No dining out, bring lunch and breakfast. Do not buy anymore stuff... I mean it. If you have to indulge your kids, go to the library, rent videos they have them for cheap as well as new releases also. You have to live very poorly, but don't skimp on eating because of it.
Also, beging by paying your least debt first, then work your way up. for example a credit card that is say $600 vs. the one that is at $4,000 and so forth. (pay the 600 in full) But don't forget to pay the minimum on the other ones.
Check out yahoo finance and msn money for great articles on eliminating debt. You will feel good that you are working your way off to paying the debt you are living in. Start of slow, you will see, things will get better. Lots of luck!! |
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sunbun
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one of life's lessons: If u can't afford to pay for it DON'T BUY IT |
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