 How to properly distroy an expired credit card? |
| What is the proper way to destroy an expired credit card so that no one can get the numbers off the card?... |
|
 How can I build my credit within the next year and a half? |
| I royally screwed up my credit when I was 18. I'm getting married and I don't want to bring my sucky credit into it. I want to get my score as high as possible before next year because we&... |
|
 Which credit card is the best? |
| I am going travelling soon and was thinking about getting a credit card. I will be working abroad so i'll have money. I probably won't even use it but just in case of emergencies. Which ... |
|
 What's the best prepaid debit card? |
| What prepaid debit card do folks suggest? Which card is the best deal?... |
|
 Paypal help? |
i got every info possible except the account number. it asks for 1-12 numbers, mine has like 30 on my bank card, what do i do? thanks!
Additional Details
I'm signing up for a paypal ... |
|
 Scam or not? |
| so i got this call from (888)-888-8888, the only reason i picked up was because the number was so cool. anyways, they say they're from united services or something and was associated with ... |
|
 I had a charge off on a cc acct over 15 years ago but still keep getting hounded by credit collection agencies |
| I know that this debt is still my responsibility, but I do not want to have to pay this debt to someone that bought it from the original CC company. This debt has been sold to some type of credit ... |
|
 What happens when you pay off your credit card debt ? |
Does your credit score start dropping, become stable or increase.
I mean after paying them off, you don't use your credit for a while.... |
|
 Can credit card companies cancel your card or lower limit if you have lots of outstanding debt? |
| My one Juniper card got it's limit lowered from $1000 to $250, which isn't much anyways to begin with, just because I was carrying a $4500 balance on my one Citicards card, which had a ... |
|
 Is there really such a website for a free credit report? |
| Every website Ive been to, is saying there free but want my card info. I dont want to be charged after 30 days or better yet not give out any payment info. I want a free credit report. Does anyone ... |
|
 How do i get a free credit report? PLEASE HELP ASAP!!!? |
| I want to find a site that i can get a FREE credit report at. I dont want a site that want credit card info or wants me to do something to get it for free. that is not free. please help ASAP... |
|
 Banking help. Bounced checks? |
| Ok I just enrolled in online banking for both my checking and credit card. I scheduled to pay my bill online but for whatever reasons the payment went through twice. Twice the amount was deducted ... |
|
|  |
dinny's engaged!! | Getting out of debt? |
I have a serious ongoing problem. I am a single mom that owes probably $4000 in unpaid bills. now one of my credit card companies turned me over for collection, and they want either a reduced amount paid off or 2 payments of over $600 each. I don't have it. I was screwed in a divorce, trying to raise two kids on one income and can't make my payments. Gas is killing me. I also owe over $600 to the government and that will come out of my stimulus check. I can't ask to borrow any more money from mom. I need to call the bill collector back in 24 hours on the credit card or they will start proceedings. What do I do? I am reading how bad consumer credit counseling places are.....any advice? |
 |
 
cm.122128
 |
First of all, Bankruptcy is NOT your answer. It's not worth it for $4,000. As a single mother, your priorities should be shelter for your children, food, clothes on their backs, utilities, and transportation. Credit Card companies will tell you they will garnish your wages, they will tell you they know where you work and how much you make but the truth is they don't. You can call and tell them your story, but they will have absolutely NO sympathy for you what-so-ever. If you can't pay your credit card bills for awhile SO WHAT!? Just provide the basic necessities for your children. IF your credit cards get behind a year or so, they credit card company may sue you. At which point you could settle with them for 30-60 cents on the dollar. They could just lie down and not come back to sue for two or three years... .it depends on the company. Like I said, just provide the necessities for your children. If you do that, you're being the BEST mom you can be. The credit card companies really do not matter. As far as your credit is concerned... if you've been turned over for collection, your credit is going to be pretty scarred anyways, so who cares if they are your last priority. |
|
OC1999
|
First you don't "have" to call the debt collection agency back. In fact you should never talk to them over the phone. If you want to offer them a settlement you can handle send this in the form of a Certified Letter. Be sure to put in the amount you are going to pay, and the amount of each payment, as well as that once paid they will remove the collection account from your report. This debt sounds fairly new, but even so you may want to offer them something like 50% of the balance and see if they take it. You should also put in that they are to only communicate through mail and not by phone. Do not sign this letter. Also, do not send any money until you have an agreement from them in writing.
Credit Counseling is not bad and can help you. Yes, while you are on any program it is noted on your credit report. But during this time you don't want to be getting any new credit anyways. But once you are out of the program you can be in much better shape. You do want to stay away from Debt Settlement programs as they can cause you more damage than good. If you do want to look at Debt Management be sure they are a member of the National Foundation for Credit Counseling NFCC |
|
give it up or let me go
 |
WOW! Ive been dealing with this type of problem for about 4 years. I did go thru a credit counseling service, it was very helpful but if you dont stick to to it for the full term you agreed to you will end up having to start all over again and have to pay the credit you once owed in full. But the good thing was we combined all credit cards and the total monthly payment was around 250-300 dollars per month which was about a 300 dollar a month savings if we were paying them separately. There was a time when we couldnt pay that much anymore because of our expanding family and we were able to lower our monthly payment to about 160 per month. We also filed bankruptcy in 2005 (chapter 7) before the laws changed. So any debt we had then was gone, we kept our house and vehicles. But now the laws have changed so bankruptcy isn't the best thing any more. The laws became pretty strict. I have a couple of credit cards and after I lost my job a year ago I havent been able to pay them. They call and harass for a while, but after almost a year they both settled with 12 of what was owed. Which is good if your balances are low, the only catch is you have to have it paid within 30 days, sometimes you can make a payment plan. But I know they dont garnish your wages. They whole time we were waiting to go to court for the bankruptcy they called and harassed and bugged and threatened but nothing ever happened. If you cant pay, THEN DONT! Those collector's really bug though the calls start at 8am and dont stop until about 9pm everyday..EVEN WEEKENDS..make a payment plan with them, they will negotiate to get it paid. But take care of what important 1st...if your not real worried about your credit then screw the credit card companies, beside now days with the economy as screwed up as it is, very few people have good credit anymore....even celebrities! |
|
traffic814
|
1. Pay off your highest rate cards/debts first. STOP USING CREDIT CARDS and pare them down. Revolving credit is a kiler to your budget.
2. Contact your debtors and see if you can negotiate a lower rate of interest in return for discontinuing use of the card.
3. Some agencies offer debt counseling at no charge. Check with your local social services agencies and other non-profits in the area to see if they can help or provide referrals.
Good luck.
--------------------------------------...
http://www.loansandinsurances.com/ |
|
Sherri S
 |
File Bankruptcy, not big deal and the collection stops immediately, don't waste your time in CCCS they won't help you and your credit will be worse ....
I have done both, 5 years after by Bankruptcy, I have 4 new credit cards, car loans and My credit is squeaky clean. |
|
john_a_monaco
 |
Ask friends. Or try to get a loan from the bank that you bank at for the total amount of the loan and include and future bills you will have until you get paid. Tell the bank its for debt consolidation and the might be able to give you a loan. |
|
military and veteran advocate
 |
be straight out truthful to them but dont give them a sob story (they heard them all and lost the ability to pity you)
You are obviously spending more money than you are making. cut back on your expenses. Sell everything that you do not need (including TV, computer, books lying around, DVDs, clothing you dont wear etc..) from that you should have some good money to pay off part of your debt. the rest would come out of yoru paycheck |
|
tom_gpp
|
Tell them "I don't have it" ask the if they will set up a payment plan over an extended period of time (12 months or so). If they say no tell them to stop contacting you. When they take you to small claims you can offer to make payments and the court can mandate that they take payments from you. |
|
magicbird
|
First, have you called the credit card companies and just plain told them the truth of your situation? Sometimes they'll give you a grace period. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 26 minutes(s) ago
| | | |
10 | 41 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
4 | 4 day(s) ago
| | | |
8 | 1 week(s) ago
| | | |
9 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
