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 Cant pay my auto loan, bank won't help.? |
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 Should I work something out whith the Credit company, or let it go to a collection agency? |
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my mom and i applied for a credit account at macys AND victorias secret. the accounts were approved. howeve i am scared if it can affect any of us
Additional Details
i am 16 years old... ... |
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 How do you remove a bad credit from your credit report after paying it off? |
I have a credit card that has given me bad credit since 6 years ago. It has accumulated more finance charges since then and has been sent to a attorney.
I would like to pay it off (or settle), ... |
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help!
Additional Details
YOU DO NEED A PIN FOR THE NEW CHIPPED ONES... |
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Adam k | How long do i have to wait to claim bankruptcy after getting a new credit card? |
Long story short I do work but work has been really slow for me and I have 2 kids to support and have been using credit cards to supplement my lost income. I just got a credit card about 2 months ago and my last but we are out of money and I need to claim bankruptcy. I lost my home about a month ago witch messed up my credit so I cant get any loans so bankruptcy is going to be my only way out of this mess but Im worried that the credit card companys will press charges (can they?) for not paying them Ive never been in this situation has anyone gone through this and if so how do I get started? |
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lynn18050
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No they will not press charges.
once you file for bankrupcy and they call , you refer them to your lawyer.
call the citizens advice bureau.
good luck and i hope some luck passes your way.
you will get through it. |
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OR
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retain a bankruptcy layer and they are worth it....because bankruptcy is tricky business now the laws had changed.... |
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Dr. Deth
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you will NOT be allowed to discharge RECENT credit card debts - you couldn't even do that under the old bankruptcy laws - you're still going to have to pay the credit card company back |
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harysax
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thhis is really going to help you out
its off of current tv i saw the other day
http://current.com/items/76291302_bankruptcy |
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mollyflan
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Call a bankruptcy attorney and get the paperwork started. You also have to pay a filing fee and an attorney fee to go bankrupt. |
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Lesley
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You need to stop USING credit cards for several months before you file, otherwise you could wind up getting stuck paying for some of that credit card debt. If you can't stop using credit cards, you need to reexamine your budget because you aren't going to have any credit cards initially after you file. Please consult a bankruptcy attorney. |
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Kisha A
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Bankruptcy is becoming really hard to file for, sounds like your trying for chapter 7, you need almost $1,000 to file, and to even be considered you must have at least about $20,000 of debt. I dont think it matters how long you've had the credit card. If this is too much, some people consider debt consolidation, this helps fix your credit, no loans involved, reduces your finance charges, and no bankruptcy on your credit. Consider your options |
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revsuzanne
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Uh... our illustrious Congress pretty much outlawed bankruptcy a couple of years back... they re-wrote the rules so you can't start over... you have to pay off the debt.
You can get into one of those credit counseling things where they consolidate your debts and negotiate for a lower interest rate. |
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Aphrodite
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I have worked in the credit industry for over 5 years and am also bankrupt. When you go bankrupt you will be credit listed 7 years. Your bankruptcy however only lasts for 3 years, you can try to apply for credit when your bankruptcy ceases but i highly doubt any bank will give you credit as there will be the default on your credit file. In order to claim bankruptcy you first need to contact ITSA- insolvency trustee services Australia--1300-364-785, they will send to you the necessary paperwork to fill out. I also recommend you contact each financial institution you owe debt to out of courteousy and advise them of your financial situation and that you will be applying for bankruptcy. I also strongly suggest you speak to a financial advisor as it seems to me you need urgent advise on how to manage your finances. |
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Martine
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Lots of people think that once they’ve filed for bankruptcy they will be unable to ever get a loan again, and ultimately they are unable to do anything financial ever again. This isn’t always true, there are<!--always ways to improve your financial standing, and there are also ways to repair your damaged credit rating.
http://best-loans.awardspace.com/Bankruptcy.htm
In fact one of the best ways to improve your credit rating is to refinance your home mortgage, this-->will help to improve your credit history in a number of different ways. |
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