 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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 Should I close a bad credit card? |
| I cut up two cards months ago, but after being unemployed I haven't been able to make the min. payments. I've been in contact with them, but wonder if closing the accounts will atleast ... |
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 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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 Is it Illegal for a bank to do this? |
My discover card payment is almost 300.00 dollars and only ten of it goes to the principal.That seems very extreme to me.Isn't there a law against this?
Additional Details
This is ... |
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 Is there something I can do (legally) about ridiculous credit charges? |
| I've been a customer with this clothing catalogue for a while now and I have a credit limit of £1,000 with them. However, I decided not to use that facility and buy on a pay-as-I-go customer. A... |
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 Does this seem fair for owner financing (on a house)? Or is the guy trying to make a few bucks? |
| My fiance and I have plenty of $ for a down payment on a house, but can not obtain a mortgage. A seller is offering financing @ 8%, and after 1/2 of it is paid (30k) he will give us a deed for trust. ... |
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 How can I avoid being served with papers, a debt collection agency want to sue me? |
I do not live at the address they have on file, can they sue me if they can't find me to serve me?
Additional Details
The explaination for why I have not paid the debt is very long..... |
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 I sold something on ebay and when i go to paypal it says i've received a payment...? |
...But when i log into my paypal account the balance is still at £0.00...Anyone know why? Cheers
Additional Details
Actually I have sold two things to two different buyers and on Ebay ... |
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 I have a credit card, but haven't paid them for over 4 or 5 months? |
| how can i get out of it? my limit was $1000. I owe them more than 900 Dollars. MOST of the money is from non payment charges. $30 a month. Even before the last bill i made, there were mmmaaannny ... |
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 I need financial help please!? |
| I have a County Court Judgement caused by an ex partner who run up debts in a joint account just after we split. He's disappeared off the face of the earth and I cannot get credit or a mortgage ... |
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 I can pull money out of my 401K for a down payment on a house, Yes? or No? |
Additional Details
I was told that you can pull out of your 401k for a down payment without being taxed on it. You get to do this one time.... |
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 Can i withdraw as a co-signer on an car loan? |
| my boyfriend has an car that i co-signed for and we are no longer together and i do not want the responsibility. he is not paying the notes on time and it is ruining my credit.... |
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 Credit Cards in America? |
| I'm going to the USA next week and will be using my credit card, will I need to carry with my photographic ID in order to be able to use it? I do in Europe and was wondering if I need to in the S... |
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sunshine&love | How can i fix my credit of i just don't have enough money to pay my old bills? I don't want to claim bankrupt |
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woopigstacy
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Have you tried working with those you owe money to? Many times, if you just call and explain that you are willing, yet unable to pay off the bills, they will work with you on the debt. Sometimes by lowering the total debt, sometimes by reducting interest rates. Sometimes by removing penalities and fees associated with non payment.
By the way, I think it's great that you'd rather pay for your debts than file for bankruptcy. Too many times, people just give up and file instead of toughing it out and paying their dues. You'll feel so proud of yourself in the end. Good luck! |
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jen92078
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First you have to sit down and figure out how much you owe on your debts and your bills that you pay from month to month after you figure this out you have to see how much you have left over from your pay checks to be able to set up a payment arrangement with your debt collectors they will let you make payments, I also know that they take a settlement amount which is half of what is owed....GOOD LUCK |
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Frank Castle
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If you have a car sell it before the collection Agency takes it.
If you don't have a car. Drop me a line. |
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theace0804
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I'm afraid that you can't have your cake and eat it to. Those are pretty much the only two options.
Creditors will often settle for 50% of what you owe, or will set up payment plans. Be tough with them, but respectful. Thats your absolute best option. |
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VagisilWipes
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budget |
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ufa
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get a second job and if that takes too much energy out of you then sell drugs its fast and easy, that is asuming you dont get caught |
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Studly
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I also think a consolidation loan might do the trick. You don't give much information for us to go by.
Just be warned that if you go with a consolidation loan, you MUST stop buying on credit, and get your budget in order. This is exactly how thousands of people went bankrupt over the past couple of years. Refinancing, consolidating, getting balance roll-overs to new cards...they are all traps. |
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Fred G. Sanford
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It just depends how bad you want to clean your credit up. I used to work for a debt settlement company and our program worked. We would tell your creditors you were working with us and you would save some money each month until you had a certain percentage for that creditor and we would negotiate a settlement for you and you would pay it off. Beware of some debt settlement companies, some are in it just for the money. Just one option. |
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abcdefg_female
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Try incharge.com. This program works great! |
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Kristine
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There are some companies that consolidate debts. Like Debtescape (my coworker's telling me)
They have deals with credit card companies like discover and if you owe discover, they will reduce your APR to Zero. You pay Debtescape like $30/month. AND the credit card bills that you consolidate with Debtescape will be cut off, so you CANNOT use those cards anymore. |
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.jobo/australia
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Live within your means darling. |
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