 Help! my best friend is in big financial trouble.? |
| her and her husband got into debt for 55,000 thousand dollars in 6 different credit cards and they can not pay them any more because they have a house payment of 3300 a month they recently bought it ... |
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 How do I pay off abill on my credit report? |
I have a poor credit score and a $235 bill on there. How do I pay it off and how do I raise my score?
Additional Details
Also just so you know this debt is like... YEARS old. ugh. I... |
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 I need an unsucure loan for £15000? |
does anyone out there know of any off strret lenders for tenants that dont do credit checks? i need to borrow £15000 for a buy to let.
thank ... |
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 Which credit card is better for a persons 1st credit card, espically the age of 18 years old? |
There are many credit cards.
So many to choose from, so many options, & the ones that charge a lot of money b/c of it's late fees.
Which credit card is good for me? I'll ... |
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 I'm in credit card debt, what can i do? |
| I am currently in credit card debt. I am a college student and I have recently ran into money problems and have not paid on my bill. They now are charging me 30% interest and my bill keeps getting ... |
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 This question is about % on money? |
if someone had $100.00 and they said they are going to give me 10% of that $100.00, how much would i be getting?
Also i want to know that same question with $5000.00,
what is 10% out ... |
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 What if a collection agency calls you after 10:30 pm? |
| Do we have to pay a Collection agency who calls you after 10:30 PM or can we have them ordered to stop ?... |
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 I want to clear my credit score.....? |
| I just payed off my last debt today.Apparntly it takes ages for your credit score to clear? Is there anyway i can pay to get it wiped and start from new?... |
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 Could I get a debit card at the age of seventeen? |
| Not a silly debit card you can only use in certain places... a proper one, like a Visa or something... I'm in the UK by the way...... |
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 Does it hurt your credit score when you check your own credit report? |
| I have been told that every time I order my credit report, my score goes down. Is this true?... |
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 Does debt get wiped automatically after 5 years? |
| When I was 18 I got a credit card and when I was 20 I was about 10,000 in debt. I was having nightmares and felt suicidal. I was scared and I didnt have a job, the debt collecters were ringing all ... |
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 Can I make a credit card payment with another credit card? If so how is it done? |
I have a zero interest card and I want to move the balance from the high interest card to it. I already transfered the maximum balance to the zero interest card when I signed up for it.
A... |
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 What Credit card could I apply for with bad credit? |
| I've called 4 credit card companies now, chase, american express, discover, and Capital 1. and I'm declined because I have bad credit. But, when I talked to a credit specialist, he said to ... |
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 Can I pay my credit card before I get the bill? |
I want to clear it because I am off on holiday.
Sorry for my ignorance, first card I have ever had.... |
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 What happens if my truck gets repossessed? |
| I put a truck in my name for my bf at the time(my ex now) He made all the payments for a year so I had no problem with keeping the truck in my name because he had bad credit. But now, he is in ... |
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 How can I build up my credit? |
| I'm a freshman in college and I just got a job part-time job and I'm interested on building up my credit. I have no idea how. Many tell me to get a credit card, but many others tell me not ... |
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 Hellp me please, i have a brother who dose not live with me and uses my address as his mailing address? |
| and he has debt collectors ringing my phone all the time threatening me ' can they legally do anything to me ? like try and take my stuff ?... |
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muffinplattsie | How do i get my credit card companies to freeze the interest, anyone done this? |
i can pay my minimum payments but at the rate i am going it will take about 12 years to pay them off. I have heard about interest freezing, has anyone managed to get their creditors to do this and how do i go about it. I don't want another company doing it for me then me having to pay them also, how do i do it myself? thanks |
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ken_voss12345
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Well, people in debt often seem to find some help here :
http://credit-cards.ebookorama.com
and here http://finance.ebookorama.com
also plenty more to read here
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
good luck! |
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Kay
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In the States, they want to keep your business and your monthly interests rates to stay in business. You can call the customer number on your monthly bill and speak to a rep and ask them to lower your interests rates. You will probably be asked to pay your bill on time for 6months before they will lower the rate. You should ask if your interest is set..but when the rates go up for other companys, yours will too. If they will not help you, you do a couple of things. Look on your bill and find out how much extra they charge you for interest and you write a check double that. You ignore invites to raise your credit limit for when they see you are paying yours off than before, they will try to snag you in with more credit available. You find yourself a part time job and use that money solely toward paying off this debt. I bet by next summer you will be debt free or very close. Make a plan and stick to it and trust yourself over all others because YOU are the only one who wants your credit debt to end! |
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ebosgramma
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Contact a credit counceling service they will work with you to reduce or eliminate your interest rate BUT they will also make you STOP using all credit cards, cold turkey! It bites but if you honestly want help they will help you. |
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DIAMOND_GEEZER_56
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If you are genuine and you are in debt as a result of losing yor job as a result of redundancy or if you were married and your partner left you in the lurch then the answer is you have a good chance.
Are you in the UK? if so go to the cab and they will help you, as long as you are not trying to pull a fast one you should be ok.
I was in the same situation when I lost my job due to il health, within minutes of losing my job I notified all my creditors and because I was quick in reporting my problem and not letting things get out of hand, and as my circumstances were genuine I was granted my intrest to be removed, which was reasessed yearly.
Good luck |
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Niki M
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This is an easy and surprising answer. Default! If you stop paying for long enough they'll start sending you demands and stop charging interest, though there will be admin charges. Eventually, they'll sell your debt off to a collector. You'll be offered deals like, pay off half and we'll leave it at that.
Be warned, though. You'll find it hard to get credit for a while after that. |
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suckaslug
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I had this prob too, I told Natwest I couldn't pay my mim payment of £24 so they said they'd reduce it to £17 monthly but I'd be black listed for 6 years! If you go to a company like CCCS they may be able to help you out |
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STEVEN F
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If your payments are current and have been for a while, call and ask for a reduced rate. If you have other cards that are well under their limits, call them first and ask for their best balance transfer rate. You may get a better deal from company 1 if you can tell them company 2 offered x% if you transfer the balance. |
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JAYNE B
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Try going to citizens advice.Mind you,I spoke to someone today and they said the the c.a.b. wanted them to go bankrupt for about £1500!!!Strange... |
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mise
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Take out a cheap loan and pay them off and cut up your cards |
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shayney boy
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go to the citizens advise and the will put you on a money scheme and this will freeze all intrest!!!!!!! IT WORKS |
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sarahlee
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Contact the Consumer credit counselling service, it's a registered charity who have excellent relations with most credit card companies, banks and lenders etc. They help you to form a debt management plan and contact all creditors on your behalf for free. They also maintain contact with you and will relook at the plan as often as you need should your circumstances change. Good Luck. |
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betty4charlesw25
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Change your name to Eduardo Gonzalez. Buy a mule. Go gold prospecting in the Sierra Madre. Discover rich vein of gold. Pay of debts. Easy. |
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scallywag
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As long as you can demonstrate that you have the means of paying and meeting the minimum payments, it's unlikely the companies will be prepared to freeze the interest. If you had a sob story that will give them the impression that you are unlikely to be able to keep up with the loan agreement, they will be prepared to talk and negotiate with you - however, be prepared as you are likely to get a default registered against you on your credit file.
There are template letters that you can use with on the national debt line website, the consumer credit counselling service website or the citizens advice bureau's website. You can also speak with all of these companies and they will be able to offer advice that suits your peculiar situation. By the way, they are all completely free!!!
I wish you all the best. |
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Studly
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What interest rate are you paying now?
If it's real high (over 25%) you can just tell them to lower the interst or you will go to another company with a better rate. If they don't drop it, then look around.
If it's already fairly low (15%-18%) then don't expect them to budge at all.
Do you own a home? You may want to look into a home equity loan, or go to the bank/credit union and look into a personal loan. The interest rate will be a few points lower. |
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