 A debt collector called today about a debt included in a bankruptcy 10 years ago. What do I need to do? |
| The collector called when I wasn't home. He answered my husbands questions about what he was calling about. They want me to call back and give the discharge # and lawyer's name. Can I be ... |
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 What helps your credit score more? |
| Paying off collections, or opening a new line of credit? I have medical bills in collections ... but qualify for a credit card. Obviously both would help the best, but it will take me a while to ... |
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 Is it possible to talk to my bank and ask for a lower payment in order to avoid foreclosure ?/? |
what are the odds of my bank giving me a lower payment in order to avoid going into default ??
My payments are $3100 per month, MY retirement is only $2000 per month , the money that I ... |
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 Can i use my Dad's credit card? |
| Ok so im going to be buying a cell phone (i already have one, but i want a new one). My dad gave me his credit card to do so, as i dont want to use bills to pay for a 300$+ phone, a cc is a whole lot ... |
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 I owe 6000.00 on my American Express Credit card and I dont have a dime to pay on it.? |
| I havent made a payment in 3 months and I dont know what to do because the money is not there to pay it. Please help. I am desperate. They are calling me like crazy and I need to know what is going ... |
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 How can I get credit when no one will approve me for anything? |
| I can't get any loans or credit cards or anything due to lack of credit. I put down a $300 deposit on my cell phone but come to find out they don't even report good payment.... |
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 English grammar problem, pls help.? |
Currently, I am attached to a bank as an credit analyst
or should it be..
Currently, i am attaching to a bank as an credit analyst
which 1 is correct or both of them ... |
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 Can loan companies etc actually see your credit record? |
| Or are they only given your credit score? I know I can view my whole credit record online, but can companies you are applying for credit with do the same? Can they find out how much you owe other ... |
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 A collection agency is threatrening to sue me over 200.00 will they sue over such a small amount? |
| i really cant pay this debt right now and i always thought they wouldnt sue over such a small amount. but they are threatening to.... |
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 Bank of american took my visa card and i allways pay my bill is this fare? |
| ill allways paid my bank of american visa on time and in advance now there takeing my card is this fare?... |
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 What happens to you, when you quit paying your credit cards?? |
| Hi everyone. Im 19 going on 20, and I have 14 credit cards. For a long time my ex boyfriend was paying the minimums each month and now that we have been broken up for a long time, he no longer ... |
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 When you cancel a credit card do you need to have it paid off first? |
| I have a couple too many credit cards and I'm having difficulty keeping on top of the bills for them. If I want to cancel a couple of them do I need to have the balance paid off first or can I ... |
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 Would you report your own mother to the authorities for identity theft? |
| my mother has open various account under my name and now they are into collections. i dont know what to to becasues i couldnt live with that in my concious all my life......but then on the other ... |
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 I have received a letter address to my name but to the wrong address accusing me of being in debt and taking? |
legal action - the postman has given me it based on my surname - do i have to pay the debt?
Additional Details
It is not my debt - I have never been a customer of this company.... |
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 What is "APR" in reference to my credit card? |
I just got my first credit card, and it says my APR is 21.99%.
My boyfriend tells me that whatever I buy, I have to pay 21.99% of whatever I bought to the credit card company...which ... |
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| My fiance and I want to get married. I have a 40k student loan in default. Will this affect his credit? |
| I am working on a payment arrangement for the loan. My credit is shot. What affect will this have on his credit? He is a business owner.... |
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fguz77 | How can I help my GF eliminate her debt??? |
Basically, I just want to know how she can be helped. Paying the monthly min is really high right now. She said it was like $480/month which is really killing her.
I had thought about Debt Settlement America but that bogus system just screws up your credit and we want to buy a house in the future and her credit will be the one that fronts it. Anyway....
She said she would like to focus on one credit card which has $20k of debt on it and has the $480/month minimum payment, which is waaay too high.
Any advice on what she can do to lower the minimum payment or maybe cut the $20k of debt in half would be appreciated.... |
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ilmbg239
 |
I was always told by finacial advisors to pay the minimum on all except the highest interest rate one and then what ever max you could put on it would get it paid off quicker thus reducing your money going for interest. Then as each one of highest interest gets paid off do the same with the next one. Soon you will be debt free. Hope this helps, good luck:-) |
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Darby
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$20,000, hum. I wanted to suggest she look for a credit card with a real low interest rate and then use it to consolidate all of her credit card debts so there would be only one monthly payment to make. However, it's doubtful that anyone will give her a credit card with that limit. Like Suzie Orman would say--tell her to get two part time jobs and start paying off the credit cards. |
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Rev. Dr. Al Poe
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She needs to cancel her credit cards. She has got to double her payment on the $20K debt. She should be paying $1000 per month to get rid of this.
Maybe the card provider would restructure the debt in terms of lowering the interest rate or freezing any further interest.
If she can't get her spending under control, when you buy a house, you'll lose it when you can't pay for her spening and the house too.
Frankly, I'd get a more responsible gf who is not a spending addict. |
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tudorjason (matt)
 |
First off, don't put anything in your name.
Help her contact a credit counseling service or debt management plan (they are different from both debt settlement and debt consolidation).
And help her stay disciplined.
That's all you really should do because if you break up or something, you get stuck with her bills. Be careful with your information too because she could steal your identity.
Be careful. It isn't not love, it's caution. |
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Dave87gn
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$20k? bankruptcy |
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Pneumonoultramicroscopicsilicovo
|
You don't. She needs to get a job and transfer what ever debt she has to a lower interest rate plan. |
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koloradokrazy
 |
well, i would just spend the money to pay it off, and if she has more than 2 cards. Cancel all of them but 2. And try very hard to stay below the spending limit. and pay it off immediatly when you get the bill. Because right now, her credit is not good at ALL. But if you do that i think you should slowly get it better |
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Rick B
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Call all of them and work out a payment plan and try to get your interest lowered or stopped.
Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.
You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership.
Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.
Go to the library and get "The Total Money Makeover". Read it and follow it carefully.
Go check out Dave's website as well. Yahoo is blocking his site again, so take out the spaces in the following:
www. Dave ramsey. com |
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RaymondFelton
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20K.... wow, your GF comes with serious baggage. In the end, I have a feeling you'll end up paying that debt. Get out while you can. Sorry for being blunt. |
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psychobilly_phreakout
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Well...if you kick her to the curb, then it's not your problem! |
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Jennifer
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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://dwarfurl.com/8d4d6 |
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☮Tara Atkins☮
 |
um dont b/c when you break up you can be stuck in her credit roit forever and ever. |
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McFuzzin
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Maybe she could move in with you..then, she could focus her extra money towards her debt. |
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*that_girl*
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K so what you have to do is visit this website! |
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