 HELP! I'm being harrassed by creditors!? |
| I am very on time in paying my bills. About a few months ago, my employer at the time shorted my hours making it a hardship on me to pay my bills. The only thing that I could get by with is paying my ... |
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 Returned an item and they gave me a gift card.....? |
| ok i bought a guitar pedal at this crappy/expensive guitar shop near my house and returned the day after and they gave me store credit on a gift card.... but there prices are ridiculos like the pedal ... |
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| Whats a good bank for students ?!? |
| anything other then bank of america. thnkx.... |
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 If I get married and I discover that my wife has $8000? |
credit card debt, am I responsible for her debt if the credit card
company decides to bring it to court? If so, that seems very
unfair. Any suggestions?... |
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 Out of these three what should i choose; if i am getting these free of cost!!? |
since i hv shown good results in my office(company)
i hv been offered to choose any one of these. its a type if gift for me:-
1) A World Space Satallite Radio
2)Dinner for family at ... |
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 I have a creditor calling me? |
| They want over 7,000, but are offering me a settlement of 2,400. They wanted it all at once, or in 3 payments of 800. I told them I cant afford that, and could give them 250 a month. Now they are ... |
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 I do not wish to have a credit card how can i get a debit card? |
| I am new to the U.K. And do not need to pay interest on any credit card I have never used one my whole life we have allways saved the money and payed cash but these days one canot be without a card ... |
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| New to the credit card thing? |
So, I got a credit card, and racked up a $470 bill, so before I got the statement I made a $200 payment.
I got the statement and it says they received the $200, and now I like $276 or something..... |
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 How do i get approved for a loan without good credit and a co signer? |
| i have so many bills overdue and i can't get a loan from no where bc my credit isn't good and i have no co signer.... |
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 When is the best time to pay off a credit card ? |
| Is it better to pay off a credit card , as soon as the purchase can be seen through the online banking site or should I wait until a due date is shown ?... |
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 Do you guys think i'm badly in debt? |
| I owe a $500 bill, $200 bill, a $70 bill and I still owe $11,000 on my car I've been making payments on all three of my bills. They started out alot higher. My credit score is between 500-600 ... |
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| Which part on my debit card is my card number? |
it is a lloyds TSB VISA debit card
I would like to know how long the card number should be
i have had trouble knowing this whilst filling in a ... |
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 Can a credit card company collect a debt after 10 years? |
| In 1993 I had a opened up an account with a bank for a credit card. The bank is now out of business. For over 3 years I never recieved any statements for this card. I conatcted the bank so many times ... |
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 My husband closed out his credit card account and...? |
| while we were seperated the credit card company sent checks in the mail that would apply to the credit card, well, not knowing the account was already closed i spent about $1000.00. if the account ... |
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 What happens to all of someone's debts if they go to prison? |
| I was just wondering what happens to a persons debts (bills, bank loans, Mortgage etc etc) they obviously can't pay em if they're in prison, do they get put on hold or something?. I don'... |
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 Collection agency information? |
| can a collection agency go into someones bank account and take out money owed to them?? do they have the power to do that?? thanks for your ... |
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 I cannot afford to pay for a loan I took out.? |
What shall I do, and what are the legal complications.
Additional Details
The loan is ... |
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Meow | How can someone truely get out of debt in this system(country)? |
credit card debit and student loan debt. |
 |
 
dnite
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Of course....
What you need to do is live within your means. For example, if your income is $2000 a month, what you need to do is not spend over that amount. If you have rent, a car payment, and other bills and your outgoing payments are greater than your income, you've got a problem.
For credit card bills and studen loan debt, make sure you get rid of your credit card and then make monthly payments on those. If you can pay over the minmum, then do it.
Takes dedication and motivation to get out of debt and it is VERY POSSIBLE to do. |
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In God We Trust
 |
Find the job of your choice, contact your creditors and inform them what you will be able to pay them. It really would be better to contact them in writing. Also, you need not tell them where you work. Some credit companies could go too far and contact your job. The next thing that you know, you will have lost your job. You already honestly want to rid yourself of any debts, so try it this way. While you are at it, read Psalm 35 to (Plead My Cause) - It is long, but it is truly worthwhile. Also, read Psalm 4 for (Protection and Safety) as it will keep you from harm out here with these strange predators. God Bless. |
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bbq
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with money and time and being responsible
or just win the lottery |
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Avatar
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Absolutely. |
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A Designer
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Patience, hard work and, most of all, self-control.
It takes a long time to pay down debt. It takes a lot of work to earn the money to pay down that debt. If you're driven enough, you learn how to determine the difference between the things you NEED and the things you WANT. In a society where we are innundated with messages that "you're not hip/cool/whatever unless you own _____", a lot of people spend beyond their means to keep up the show. It's not worth it.... unless you're okay with being in debt for the rest of your life.
Read "Rich Dad, Poor Dad" and then read "Smart Women Finish Rich" (There's also one called "Smart Couples Finish Rich"). They're both great.
I went to school, got into debt, paid my way out, went back to school and am now paying my way out again. The light is on the horizon and I feel great. If I can do it, so can anybody. Even you. |
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laragans757
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By getting a job and making steady payments without accruing more credit card debt. When you go to the store, only pay cash instead of using your credit card. Try to pay extra on the student loan payment each month. |
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hahne59
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First, cut down on your expenses. Buy generic brands. Then save your money. Each month, take your savings to pay off your debt. Don't buy more than you can pay for. Use cash when possible. Don't incur more debt. Eventually, you will pay off your debts. |
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burntgrits
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Try the Debt Diet on oprah.com |
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ohnoslen
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Credit Card Debit is bad. Their interest rates are extremely high. Student Loan debt has a very low interest rate and is not that bad. You should try to get a loan to pay off your credit card. You should try prosper.com where people will loan you money. |
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b00m
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Control your money and don't spend it.Eliminate unnecessary credit cards and then pay as much as you can without spending more . |
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Gazoo
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Easy. By not getting into debt in the first place. Once you see the game its easy to play. Banks created credit cards to make it easy to get your money from you. If you don't let them they can't. Its kind of funny when you think about it. If you just use cash you might go broke but you will never get into debt. But by using credit cards, now you can spend money that you don't even have and then get charged fees and interest on top of that. Good deal, huh ? |
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Coco
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you have to negotiate with your creidtors. they are usually flexable because theyd rather have some of the money than none of it. |
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cwcreekfarms
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You can do it with discipline, don't buy things that you can do without, make do with what you already have, don't try to keep up with everyone else. We did that and now have no debt and are saving. It feels great!!! |
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deidrec1962
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Stop spending money you don't have to, cut up your credit cards, ceate a REALISTIC budget and stick to it, get another (or better) job if you can't live on what you earn - don't live beyond your means and stop blaming things like "this country" for your problems, expecially when living in "this country" allows you to survive when your broke! |
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olivejuice35
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You should look for Suzi Orman on TV or pick up one of her many books at your local bookstore. She's a wizard no matter your amount of debt or knowledge. |
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Angel
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it takes time, patience and discipline. |
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Dhara
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Get a personal loan and combine the payments together for a lower monthly payment with a better interest rate. Getting a loan to pay off a loan may seem crazy. BUT with a bank loan you know exactly how much you have to pay each month and for how long. With credit card and student loan payments it could drag out for years on end and you would still be no closer to paying it off. Good Luck!!! |
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