 Buying a House with Bad Credit? |
| I am 27, i have been out of job for a year and now i'm back working at a new job and i live with my parents. I really want to buy a house, i have $30000 in student loans and i'll be adding ... |
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 Private loan (loan shark) in Nottingham? |
| Any ideas for £400 quid? Can't get payday loans!... |
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 Credit card limit increase?!? |
Citi just increased my credit limit from 3K to 4.5K..
I always pay my bill in full and my credit card bill is generally only about 1 or less K per month and I always pay in full. Should I ... |
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 Should I threaten a collection agency? |
| I am a freelance writer who has worked for many years and always been paid appropriately. Recently, however, I had a client who has yet to pay me. It has been over a month and she keeps saying she&#... |
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 What's the chance of me getting a mortgage on 12k a year? |
| I earn approx 12k a year (this changes as it's commission based, but that's about the max). I want to start doing private tuition (music) and will be able to add around 5k approx to my ... |
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 What are legal ways to harrass a person that owes you money? |
Additional Details
I am a small business and do not want to pay a lawyer for court and they owe me $3,000.... |
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 My roomate took my debit card without asking and purchased a cellular phone with it.? |
could she go to jail if its her first offense ever
Additional Details
she never recieved the phone i have it it came in my name could she be charged with ... |
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 Credit Card Problems........? |
| Is it possible for me to get approved for a credit card even if I have bad credit.....so far I've been denied. So is there any companies that'll approve me?... |
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 How can I find out about my wife's credit reference or bad bebts? |
| I feel sure my wife has bad debts with credit cards and personal loans, but have no evidence. How can I find out more about this through official sources? Credit references are available to banks and ... |
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 Is this legal? |
| At a grocery store downtown, there is a little "bulletin board" type thing near the cash register that has copies of "bad checks." This wouldn't bother me much, it's ... |
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 I found a credit card on the ground. How do I return it to its owner? |
| I found a credit card on the ground, but with no other things to give me information on its owner. How do I get this credit card back to its owner, since I have no information besides the credit card ... |
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 Why does the government not control the interest rates and charges the credit card companies charge? |
| Credit card companies are allowed to increase interest rates to over 30% if they want. They also determine that the consumer is a poor credit risk if they have high balances on loans without looking ... |
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 I think I'm being SCAMMED, any advice? |
| My credit card company is charging me a $90.00 late fee because they say my payment was late. As long as it is postmarked by the due date isn't the payment considered on time? Thanks.... |
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 Will my credit score be negatively affected if I pay off and close some of my cards? |
| I'm about to pay off four of the seven cards I have and I've read that closing them after paying them off can hurt my credit score. But I've also read that it may be better to keep ... |
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king henry viii | How do you resolve a huge credit card debt? |
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Concerned F
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I'd try to do a balance transfer to a card on http://www.cardweb.com You also may want to consider getting a second job or cutting your spending or both. You need to start living below your means rather than above your means. Paying more than the minimums really help as well as this will dramatically lower the time you will keep paying on those cards and thus will lower the interest paid.
You might also want to use Prosper.com (a highly ethical site in my opinion as borrowers set the maximum rate in which they wish to pay) if you are a D or higher borrower (C, B, A, or AA).
Check the Prosper site out via:
http://www.clarkhoward.com - a consumer warrior radio host
http://www.bbb.org - the Better Business Bureau
http://www.ftc.gov - Federal Trade Commission
If you found that helpful, please reciprocate by adding /join/stockwatcher to http://www.prosper.com. That would be greatly appreciated.
http://www.prosper.com - I get no credit for the referral
http://www.prosper.com/join/stockwatcher - I get credit
Take care. I hope you found this helpful. |
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pinesgranny
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Stop using the card ! Talk to the credit card company and set up a good payment plan. Pay off as much each month as possible. The "minimum payment" only benefits the credit card company as they collect interest every month and you are paying interest on what you spend and gradually paying it on the interest. Make it a priority to pay down this debt as quickly as possible. |
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Kitty
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Pay more than the minimum.
Don't put anything else on credit until you have fixed your problem. |
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jeanniep
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you really need to go to
www.daveramsey.com
he's also on the radio |
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homeschoolmom
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With a strict budget. List all your *necessary* living expenses (rent, utilities, groceries, SAVINGS; eating out every night is NOT a necessary expense). Then add in incidentals (a small weekly "blow" fund for a CD, lunch or dinner out, book, etc.). Now put the rest on the credit card (f you only pay the minimum, you'll owe for the next 40 years).
Anytime you get any kind of bonus or surprise income, take a few dollars out to spend and put the rest towards your debt. Take on a second job and use all that money for debt-reduction. Getting out of debt is no easy job (been there), but it is possible (am there!)
As for savings - you MUST set aside some money every paycheck for an emergency fund ($500-1000) UNTIL you are debt free. Otherwise, you'll pay down your debt, have an emergency, and charge it right back up.
For more tips and info, check out Dave Ramsey's website (link below). He helped me, he can help you, too. Don't be normal. Normal is $8000 in debt with no emergency fund. Debt-free is the way to be! |
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sexytrojan
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What is your idea of huge?
I use balance transfers to new cards that are 0% interest on transfers for a year plus. |
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WORKING OLDER SMARTER BLONDE
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first thing--call and cancel the card so the debt goes no higher.
second-just start making those monthly payments until you see the end.
third-avoid late fees because they add up quick |
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Cory Z
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One monthly payment at a time. |
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okbay.co.uk
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get help from a debt management company, you need to sort out a budget and get the interest frozen, with out freezing the interest you are on to a loser.
if you are in the UK then http://www.payplan.com/ help they are free to use, if your not in the UK then some of the general advice should be universal but as far as laws go things will be different so you will have to find a company in your country. |
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guru5522 g
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friends your visit in this site best da flack |
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John
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To resolve a huge credit card debts you can consult with a debt consolidator. But before you go for one see if that debt consolidation agency is BBB online registered or not.
To know more you can visit
http://www.debtconsolidationmanagement.blogspot.com |
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D.A.
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consolidate |
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carlos z
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You can read about on the following link
good luck!
Click on the last link on the bottom!
<script LANGUAGE="JavaScript">
<!--
// Created by Sharon Paine of Dynamic Web Coding 11/20/99
// http://www.dyn-web.com
// Inspired by loan payment calculator in ch 1 of
// JavaScript Definitive Guide by David Flanagan
// Modified 3/31/2000
// validation function
function isValid(entry, a, b) {
if (isNaN(entry.value) || (entry.value==null) || (entry.value=="") || (entry.value < a) || (entry.value > b)) {
alert("Invalid entry. Enter a number between " + a + " and " + b + ".")
entry.focus()
entry.select()
return false
}
return true
}
// clear results fields when input values changed
function clearCalcs(form) {
form.num_months.value = ""
form.total_pay.value = ""
form.total_int.value = ""
}
function calculate(form) {
// send entries to validation function
// exit if not valid
if (!isValid(form.balance, 0, 100000)) {
return false
} else if (!isValid(form.interest, 0, 30)) {
return false
} else {
var init_bal = eval(form.balance.value);
}
if (!isValid(form.mnth_pay, init_bal*.02, init_bal)) {
return false
} else {
// variables used in calculation
var cur_bal = init_bal; // used in loop
var interest = eval(form.interest.value/100);
var mnth_pay = eval(form.mnth_pay.value);
var fin_chg = 0; // finance charge
var num_mnths = 0;
var tot_int = 0;
}
while (cur_bal > 0) {
fin_chg = cur_bal*interest/12;
cur_bal = cur_bal - mnth_pay + fin_chg;
num_mnths++;
if (num_mnths > 75) {
alert("We are interrupting this process to prevent a hang which may result with a very high balance, high interest rate and low monthly payment.
Try entering a higher monthly payment amount." )
form.mnth_pay.focus()
form.mnth_pay.select()
return
}
tot_int += fin_chg;
}
// display result
form.num_months.value = num_mnths;
form.total_pay.value ="$" + round(init_bal + tot_int);
form.total_int.value ="$" + round(tot_int);
}
// round to 2 decimal places
function round(x) {
return Math.round(x*100)/100;
}
// -->
</script>
<div align="center">
<center>
<table id="AutoNumber6" style="BORDER-COLLAPSE: collapse" borderColor="#111111" cellSpacing="0" cellPadding="0" width="43%" border="0">
<tr>
<td width="100%">
<div align="center">
<center>
<table id="AutoNumber7" style="BORDER-COLLAPSE: collapse" borderColor="#111111" cellSpacing="0" cellPadding="0" width="93%" border="0">
<tr>
<td width="100%" height="21" colspan="2">
<p align="center"><b><font face="Arial" size="4">How much are you
paying in interest?</font></b></td>
</tr>
<tr>
<td width="100%" height="21" colspan="2">
<p align="center"><b><font face="Arial">
Lower your Interest rates with
<a href="http://www.anrdoezrs.net/email-221...
credit. </a>
</font></b></td>
</tr>
<tr>
<td width="50%" height="21">
<p align="center">Â </td>
<td width="50%" height="21">
 </td>
</tr>
<tr>
<td width="100%" height="21" colspan="2">
<table cellSpacing="0" cellPadding="0" width="100%" border="0">
<tr>
<td width="100%">
<form name="cc_data">
<div align="center">
<table cellPadding="3">
<tr>
<td bgColor="#ececd9"><font face="Arial" size="2">Credit Card
Balance:</font></td>
<td bgColor="#ececd9"><font face="Arial">
<input onchange="clearCalcs(this.form)" size="12" value="1000" name="balance"></font></td>
</tr>
<tr>
<td bgColor="#ececd9"><font face="Arial">I<font size="2">nterest (Annual
Percentage Rate):</font></font></td>
<td bgColor="#ececd9"><font face="Arial">
<input onchange="clearCalcs(this.form)" size="12" value="19.9" name="interest"></font></td>
</tr>
<tr>
<td bgColor="#ececd9"><font face="Arial"><font size="2">Monthly Payment:</font>
<font size="1">(at least $25 for each $100)</font></font></td>
<td bgColor="#ececd9"><font face="Arial">
<input onchange="clearCalcs(this.form)" size="12" value="25" name="mnth_pay"></font></td>
</tr>
<tr>
<td bgColor="#ccddff"><font face="Arial">
<input onclick="calculate(this.form)" type="button" value="Compute"></font></td>
<td bgColor="#ccddff"><font face="Arial">
<input type="reset" value="Reset"></font></td>
</tr>
<tr>
<td bgColor="#ececd9"><font face="Arial" size="2">Months required
to pay balance:</font></td>
<td bgColor="#ececd9"><font face="Arial">
<input onfocus="this.blur()" size="12" value="67" name="num_months"></font></td>
</tr>
<tr>
<td bgColor="#ececd9"><font face="Arial" size="2">Your total
payment will be:</font></td>
<td bgColor="#ececd9"><font face="Arial">
<input onfocus="this.blur()" size="12" value="$1654.8" name="total_pay"></font></td>
</tr>
<tr>
<td bgColor="#ececd9"><font face="Arial" size="2">Your total
interest payments will be:</font></td>
<td bgColor="#ececd9"><font face="Arial">
<input onfocus="this.blur()" size="12" value="$654.8" name="total_int"></font></td>
</tr>
</table>
</div>
</form>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width="100%" height="21" colspan="2">
<p align="center"><font face="Arial">Lexington Law. We know credit
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</tr>
<tr>
<td width="100%" height="20" colspan="2">
<p><font face="Arial">
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<font size="2">
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to find out more about legal online credit repair.</a></font></font></td>
</tr>
</table>
</center>
</div>
</td>
</tr>
</table>
</center>
<img src="http://www.tqlkg.com/image-2215926-... width="1" height="1" border="0"/> |
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