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 Will canceling my credit card get me out of paying an annual fee?
I've just been hit with a $60 annual fee on a credit card (Chase Visa) that I no longer need and haven't used for months. If I cancel the card, will I still owe the $60, or will it be ...


 My car paying installment can i sell it?
hello
my car paying installment, can i sell the car ?
Additional Details
can the car change to my partner name ? can the lender find ...


 I have a car and want to do a volunteer repro will it hurt my credit?
...


 Help! Should I use my savings for a down payment for a car or to pay off my credit card debt?
My debt is $6200 and I have 7000 saved up. I am going to get a car regardless because mine is on its last leg.
Additional Details
I neglected to say that I am in credit counselling. I ...


 Can I lower my interest on a bank loan?
I have a decent size loan out (about 13 G) from a bank. I see they are charging me a 10% interest rate when my credit score is over 750. That sounds like BS to me. Is is possible for them to lower ...


 How can I confirm that the job I got through E-Mail is scam or real?
I have got a job offer from Zenith Bank Plc London (UK) as senior Manager (Credit) at their London Branch. Please confirm what is avarage salary is being paid to senior Manager in Banking ...


 Do Check Cards require a drivers license # as checks do?
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 Whats a 1,000,000,000,000,000,000 times 1,000,000,000,000,000,000...
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 Cosigned with fiance and she just left.. what are my options.. she is threatening not to pay?
Signed an 8000 loan with fiance to pay for her last semester of school. We are splitting up and she is saying she wont pay for loan... what can i do?
Additional Details
Yes I understand ...


 Does anyone know how to improve your credit score in a short time?
I need to refinance my house but my credit score is 525. I need it at 580 minimum to be able to refi with a good rate and get cash out. Does anyone know how to get a score up that much in a short ...


 I recieved a letter saying an award had been entered against me in the amountof several thousand dollars from?
a company I have never heard of with a company called National Arbitration Forum. Never received a notice to appear, but had received something months ago from this company saying they were going to ...


 Where can I apply for a Loan???
I would like to apply for a small loan (no more than £500).

Can anyone recommend good sources with a not so huge APR???

Thanks F...


 Anybody know where a 17year old could get a loan of £4000?

Additional Details
I could save but dont want to wait 3month for the cash paying it back will be no problem....


 Is 630 a really terrible credit score? Any options for a home loan or auto loan?
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 If I had $500k in credit cards with $250k available for cash advance what would happen if I did the following?
If I had 20 major credit cards with a total credit limit of $500,000 and a cash advance limit of $250,000. What if I wrote the cash advance checks for the $250,000 and put them in the bank and went ...


 Should all Americans boycott credit card companies and not pay their bills for 6 months unless they drop INT.?
Unless credit card companies stop hosing it's customers, I say all credit card holders have a national boycott and not pay their credit card bills until these vultures (slimbagcorporatedexecs) ...


 Will the bank give credit/a loan to a couple working full time that are renting?
Its for a holiday, just wondering if they would....
Not massive wages either.. Any help much appriciated Thanks!!!
Additional Details
Ages 20 & 23...


 How do i get a credit card if i have very bad credit score?
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 I am looking for a home improvement loan for $5,000. Anybody have any suggestions?
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 If ur mom took u to a mall and said i will buy ueneything u whant what would it be ?
...



Rick P
Got about $15,000 in debt (noncredit card) should i file bankruptcy?
                     
 




.
Rating
$15,000 is a VERY SMALL Amount of Debt to consider filing for bankruptcy.

There's probally thousands of people who wish they were in your shoes ! ! ! ! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!


Michael B
Rating
No, not yet, it's not worth it. Either find a way to get it paid off and save what is left of your credit or run that debt up another $50,000 and then it would be worth the agony of bankruptcy.


beauty s
no!! u can pay it off.
now if u were like 30-40 in debt I would say OK


Cixelsyd
That would probably be a bad idea. For example if the debt is student loans they might not disappear with bankruptcy and you need to consider what assets you own that would be taken away. Another thing to consider is that some companies look at your credit record when the consider hiring you. look to cut expenses (like avoiding direct TV) and make the payments.


Wise Credit
No, Give us some more info or email me a list and I will help you sort it.


Ruslan K
The question is not should you, but can you ?!:-) Because it's really hard to do it now buddy... Good luck !


uthomelist
$15,000 in Debt!!!! Most Collage Grads have triple that when they finish school. Cut back a little and start paying it off a little at a time. Pay the debts that have the highest rates first and then move to the next. When you have all the debt paid off, and you'll be surprised how fast you can do it, start putting what you were paying into savings. You'll wont miss it because you haven't had it before. Then you'll have a good down payment for a house, or a car, plus your debt to income ratio will be great.

http://www.uthomelist.com


Cinna
Never declair bankruptsy if you can possible avoid it because it is not as simple and final as you might think. You will have ruined your credut for seven years and there is a charge for filing bankruptsy. Think long and hard before making that decision.


h
Rating
Bankruptcy will hurt your credit for a very long time, and may not necessarily wipe out all of your debt. You might have to turn over any assets you have also. You may want to consider other alternatives, such as getting a second job or taking out a lower interest rate loan - such as a home equity loan.

Here's a website with some useful information if you are still considering bankruptcy.

http://www.bankruptcyinformation.com/


guinnesscrazy
My wife filed for bankruptcy about 5 years ago - it still comes back to haunt here. My advice would be to go to a debt consolidation place and try to pay it off any way you can. Bankruptcy shoud be a LAST resort - trust me, it will cause more problems than it's worth. Avoid it if at all possible.


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