 Is credit card protection insurance really necessary? |
| I'm talking about the insurance you pay extra for on your credit cards so they would supposedly be paid off for you in the event of your death. I have a friend whose 75 yr. old mother is dying ... |
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 Should I jump before i am pushed? |
| I have recieved a big big debt to pay and have been told I have 7 days to pay but I have more money going out than coming in.Should i just give up?... |
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 I want to learn about credit debit card? |
| i want to learn how to get a debit card and what i can or cannot do with the card. how can i start?... |
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 If your bill is five days late is that long enough to hurt credit ratings? |
| I have a bill in my brother's name and I slipped this month but mind you I paid it only five days late and now he's threatening me about terminating the account because he says that paying ... |
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 Going to bank tomorrow to see about getting a credit card...what reasons should I give? |
| Well tomorrow I'll be going to the bank to try and get a credit card. The real reason is because I want to try get out of my overdraft for once by the end of the month by putting my normal ... |
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 I need $2000 immediately in less than 24hrs. Do anyone have any bright ideas on how i can get it legally.? |
| I have been approved for a car and my down payment is more than i had set out to put down. i dont have the best of credit but i was approved for the car. please help me if yu can, if you know about ... |
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 Is it true that closing a credit card account can negatively impact your credit? |
| I have some credit card accounts I would like to pay off and close for good. I have heard that this could have a negative impact on my credit. Is that true? If so, what is the best way to eliminate ... |
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 Any body tell me about payday loan? |
| What is payday loan ? and how can i take this with no faxing ,and i also have bad credit history?... |
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 My credit score is 661. I applied for a credit card the other day...and I wasn't approved. why is this? |
| I'm so confused. I don't owe money to anyone and my credit is not bad at all. Its not perfect but its not bad. So what am I doing wrong?... |
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| I am being refused loans everywhere!help. in lots of debt and cant get out of it. UK companies useless!? |
| i have tried everything.even though able to pay enough back each month and am in secure employment I amstill being turned down. my credit may be poor but even companies for poor credit said no! if ... |
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 I have been served an eviction notice for 2 weeks time due to mortgage arrears. How can I stop this? |
| We had a family bereavement several months ago leading to funeral cost and fell into arrears with our mortgage. The lender misled us into thinking that low payments are better than nothing at all so ... |
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 I know this sounds really crazy, but will anyone let me use their credit card number? |
| First and foremost, I am not a criminal. I am a 15 year old, who got a reward on mycokerewards and I cant use my free-trial because I dont have a credit card. I will ONLY need if for a stupid reason, ... |
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 Need a legal private loan, no up front fees for $10,000.00 no scammers please, or is that possible? |
| Need loan quickly, no scams, no up front fees need to be asked for. Have poor credit, need to pay smaller loans off, make one payment, lower. No credit councilors either.... |
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delz | Getting out of debt, is there a solution? |
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Jon B
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Yes. You pay what you owe. |
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the devil in you
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Don't buy anything new, don't get out loans, eat 3 plain square meals a day, get rid of your t.v. and internet, don't go out, don't smoke, don't drink, don't lend money, don't play the lottery and work hard, get two jobs, or concentrate on one and work overtime, slowly but surely you'll get out of debt, if you are in debt. |
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WeaselLuvr
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Yes but since you don't offer any details on your situation I can't give you any pertinent advice. Basically, you have to cut back on non-essentials and put that money towards reducing your debt. It takes time but it can be done.
You could also win the lottery but don't count on it. LOL |
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chewychimp
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yes! you can sue banks for irresponsible lending! |
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Wayne L.
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Okay, Five steps to be out of debt
step one: Go get a scissor
Step Two: get all your credit cards out
Step Three: Cut them up
Step Four: Dump those freaking cards into a garbage can
Step Five: Be Commit to pay off your debt |
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WibbleWibble
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Do a bank job!! |
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Repeat Offender
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Stop listening to these dirtshits and I'll tell you how.
1. Immediately cut up ALL of your credit cards. This is NOT negotiable. Don't waste your time calling the credit card companies asking them to "lower your rate". It would be like your boss asking you to voluntarily lower your salary. They won't do it. Even if you threaten to transfer the balance to another card, they don't care, because either way, they get paid. Just give 'em the finger and cut the damn things up. Do not proceed to step 2 if you are unwilling to do this.
2. Stop buying anything you do not need to survive. (i.e. Starbucks, cigarettes, fast food, movies, etc)
3. List your debts out on paper, smallest to largest.
4. Make minimum payments on all your debts EXCEPT the smallest one. You need to slam that one with as much cash each month as you can without leaving yourself short.
5. Once that one is paid, go to the next highest one. Now you'll be taking that extra five bucks a month that you would be throwing away in interest and putting it towards that bill.
6. If you work full time, get a second job. Take all funds from the second job and don't even look at them, throw them on the bill you're working on at the time.
The key is, to STOP BUYING CRAP that you DON'T NEED. |
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Rakibear
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There is always a solution! Depends how much in debt you are. If its a case of credit card debt then you can always keep shuffling it onto a 0% interest free card and cut the other ones up.
If you're really starting to struggle with paying bills etc there is an organisation called CAP www.capuk.org They are a NON-PROFIT charity specifically set up to help people to get out of debt.
My sister-in-law has just used them and said they have been fantastic!
Or you could go down the route that me and my husband are doing at the minute which it to reclaim all the charges and penalties that our bank has slapped on us over the last 6 years!! |
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fourbytwo
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The 3 answers I have seen so far are not helpful at all are they if you are already in a mess because of what you owe?
Yes, there are many solutions you just need to weigh up your options. I have just answered a question regarding a debt collector freezing a Bank account. Have a look at that it might help you. Good luck - there is always hope. |
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razorbite
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Try online gambling. |
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alatoruk
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the only solution is to pay thme off.
best advice anyone can give you is arrange a visit to the Citizens Advice Bureau. They can help you a number of ways, including talking to your creditors and negotiating repayment schemes, freezing interest, stopping charges all that sort of thing. companies would rather see you are trying to deal with the problem and help you. If you talk to them yourself you are not showing them any committment, but by going through the CAB you demonstrate a willingness to address the problem and they are more likely to agree to help.
oh, and cut up your credit cards so you cant be tempted to spend on them |
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Jane H
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I have been looking into this as I have too much credit card debt, depends if you have a house, if so get a long term home owner loan this will lower the payments to make them more managable. If you don't the citizen's advice website has some standard letters to send to your credit card companies asking them to freeze the account and offering to pay so much off. But I do agree with the others, don't juggle them about it'll get much worse... IVA's are quite tightly controlled i.e it's lodged with court and they'll set a budget for you which for me is far too restrictive! Good luck, it's very upsetting feeling out of control of your finances! |
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cats_fender
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You have to always say to no credit cards and means of 'buy now pay later'. Then figure out how much money you have coming in and budget. Stick to it and when you start to get used to budgeting, start to keep a minimal amount of money in your account and never go below it. After a while, that sense of security makes it easier to control your money. As for getting out of debt, I guess a loan may be the way or selling all your stuff on EBay? |
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Barking mad
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Stop spending on silly things, get evening job and weekend work, thats a start. |
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Gravity145
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if its too bad you can declare for bankrupcy or if you live in the uk you can apply for an IVA which some sort of government legislation, you can read about it here: http://www.breadmarket.co.uk/debt-consolidation/iva-advice.php
if its not too bad, you can see a debt counsellor and they will work out a debt consolidation plan for you: |
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hornyheluk
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It does depend how bad your debts are. You need to be working. If you are working full time and not breaking even you need an additional job. Prioritise by mortgage or rent first, then bills. Could you put all your debts under one loan? Add to your mortgage a loan? Take in a lodger. Reduce your outgoings, walk to work. No takeaways, only buy cheap food. Dont spend money on clothes and shoes. |
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Jabberwock
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The only way I know of sounds too obvious.
1.) Spend only what you need to live. Do not accrue new debts.
2.) If you have credit card debt contact the card suppliers and ask them to cut your interest rates or you will transfer your debt to another company. There are always companies offering lower introductory offers.
3.) If you have a second car or a boat or jewelery then sell them. Use the money to pay off some credit card debt.
4.) Get a second part time job. It is hard for a while, but worth it. |
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?
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If you own your home, you can consolidate all your bills into your mortgage. Just check the web for a refinance institute that is legit. You might even use your bank or credit union if you credit permits. Good Luck. |
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charlie
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prevention is better than cure...
don't get into debt in the first place is the simplest answer |
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