 Has anyone here maxed out a credit card on purpose? |
| In other words, spend left and right knowing that you were maxing out?... |
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 Do you think i could build my credit in 11 monthes? |
I'M not looking for my credit score to be perfect but at least 600-650 can any one help me
Additional Details
I have no credit but just got my first credit card need to build my ... |
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 Can i be held responsible for a dead persons debt? |
| i used to drive the car under someone elses name, but i gave it back and now the repo man wont leave me alone. the owner has passed and they cant find the car.... |
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 If I just opened a bank account and I have like only $5 in it and I overdraft $3000 from an ATM, can I do that |
| If I just opened a bank account and I have like only $5 in it and I overdraft $3000, can I do that, and if I do how long do I have to pay it back before I go to jail?... |
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 What credit card should I get? |
This is what I want:
1- Low interest rates. (although I plan to pay it off every month- so does everyone else)
2- Low credit limit. (I don't plan to spend much, and I don't want ... |
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 Garnish Wages? |
| I was just wondering if you have your wages garnished can that be undone or are you stuck with it until its paid off. My friend said hers was undone. I was just wondering if that was possible?... |
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| When a parent dies are the children responsible 4 their debt if no co-signing was done?? |
| mother passed away with debts (credit cards, personal loans) she did not leave a will, she had no assets to her name (home, car) lived with me for awhile now creditors are calling me to pay off her ... |
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 I need $10,000. I'm behind in bills can anyone help me? |
| I need $10,000 because i been out of work for 3 weeks because of a knee injury. I don't go back to work until the begining of september. I need a loan to pay some bills until i go back to work. C... |
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 Credit Card or Debit? |
So im ordering a pizza online, and they ask for a credit card, or cash. can i still pay debit?
... |
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 Credit cards for people with bad credit? |
| I want to know the websites of places where I can apply for unsecured credit card for people with bad credit. I know about tribute, salute, rewards660, continential finace, orchard bank, and first ... |
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 Having a really hard time. Finally got out of debt 2 months ago and the urge to? |
| spend again is immense! Just don't want to get back in debt. Sorry not really a question but need to tell someone!!... |
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 Loan or Cash/Payday Advance?? |
| Which is better, to get a loan or one of those Payday Advances? I only need about $200, but I only make about $100 a week, so I would need a couple of weeks to pay it off...what is the difference ... |
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 Can a Collection Agengcy continue to lower my credit score? |
| I've been receiving annoying calls from a collection agency stating I owe my old school a certain amount. I stopped attending the school in 2003 and in 2005 I began getting notices from the ... |
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 Received a windfall of cash and paid off all extra credit cards and am working with only 1 card. Now. . .? |
do I close my other cards accounts or do I leave them open in case of emergencies?
(Also, just found out that one of my cards that I paid off just gave me a positive bump in credit. A REAL... |
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raindr0pz | How to recover money that was borrowed to a friend who refuse to return? |
i borrowed a total of $4.5K over nov'06 and dec'06. i kept asking for the money to be returned, and was given all sorts of execues and now..this friend is uncontactable or have been avoiding my messages, emails and calls..tried calling the parents, but they just sounded not concerned..anyway i can get the money back?? can this be reported to the police?? |
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Tan D
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I was in debt collection for 3 years, friendly loan is the worse case, for it by collection or throught legal. As normally you don't have any proof on the loan, thus by taking up a civil suit may ended up with nothing but only incur more legal fee.
The Police will only advice you to take up a civil suit.
Thus, if I borrow money to a friend, I will make sure he or she is contactable, and I will ask them out for coffee one day before his/her pay day. So that they will have no excuse such as no money to pay back.
Another trick you need to learn, when people borrow money from you, they can be very "thick skin", and when you ask them to pay back, you need to be more "thick skin" than them. |
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DaMan
 |
Nope.
You can however sue your friend in a court of law {probably small claims court}, BUT without a written contract simply explaining the terms and conditions of the loan -- it would be your words against his.
And even if you get a judgment against your friend -- he is as broke as an 8-track tape player! He can't pay it!
The moral of the story is that as a friend, you are NOT required to be a personal banking/loan center. If the spirit moves you, you can only GIVE what you HAVE and furthermore, you shouldn't give what you can't afford to lose.
Sounds to me like you can't afford to write off $4,500, but honestly what you should've have given your friend instead was wisdom, advice, and encouragement.
That way, you don't have to see how bad his character really is when he treats YOU like the rest of ALL of his creditors -- which is probably why his creditors wouldn't loan him a dime. |
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cbjr
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You don't borrow something TO a friend. You borrow from a friend. You lend money TO a friend. Your solution is easy. Since no one would ever loan money in the thousands out to someone out without some sort of written contract, file a claim in court with your contact as evidence. A judgment will certainly be ruled in your favor. |
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Ron
 |
I don't think the police has anything they can do about it. The best they could do is suggest you bring them to court by filling a civil case against them.
As to the probability of collecting said money, it depends upon the sufficiency and reliability of proofs and documents to support your case.
Having a written agreement signed by both party, will be to your advantage. If no legal or written document is available , you could still bring them to court. Verbal agreement are still binding but you would have a much harder proving it.
GOOD LUCK. |
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Joe D
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sounds like an expensive lesson. If you have any PROOF that the money was lent and the expectation was for it to be returned then small claims court is your only chance. Otherwise - too bad for you. |
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alexandra S
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not much recourse... sorry about your expensive lesson... |
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beauty s
 |
Take them to court... |
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donna D
 |
Report it,
court if you have evidence it was given to them
try to get a claim aginst the family home or something for collateral for the $$.
Legal aid is out there, no fee if they don't win. If the parents are notified of what is going on from the legal profession, it won't be an oh well attitude anymore.
Lesson learned I hope! |
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sam hill
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dont you know that when money is lent to friends and relatives that the likeliness of it being returned is less than one percent. |
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You ask, I answer
 |
you borrowed it, or you lent it? get your words right.
if you lent it, without a written contract, then you're an idiot, and you are screwed.
if you have a written, not spoken, contract, take them to court. otherwise, as i said before, you are screwed, and you will not see that money again. it's great that you have all that money just sitting around....
he's not much of a friend, now, is he? can i have some money? i promise i'll pay you back.... |
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OC1999
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You can't report it to the police as you did give it to them, they did not take it without your permission. However, you can take them to small claims court for the money. Your chances of winning the case will depend on how much proof you have.
If you have a written agrement that is your best proof. If you don't have a written agrement but some cancelled checks that would be okay if you can make a case that they agreed to pay it back. If you for some reason gave cash with no agreement you are probably not going to win as it is your word against their word with no proof. |
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aresee
 |
Neither a lender nor a borrower be. The quickest way to lose friends is to lend or borrow. Its not a police matter. Try pursuing the matters through the small claims court if you have such a thing in the States. |
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Nurse Annie
|
I'm thinking you really meant that you loaned $4.5K to your friend. Was there an agreement on his part to repay? Over how long? Was this agreement written, or a 'gentleman's handshake?'
There are legal aid attorneys who might pursue your case; another poster mentioned that if the family of your 'friend' heard the word 'legal' they might be more inclined to take this a bit more seriously.
Hope you don't have to chalk this one up as an expensive learning experience. Can you afford a lawyer? If you have ANY indication that this money was NOT a gift (tax records?), your case might be strengthened.
Good luck |
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Big D
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a sort of illegal way is to steal something of great importance and hold it hostage until they pay or pawn it
depending on the lown agreement you might win in court so if your efforts don't work i would call the police |
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Ruben
 |
I have learned this the hard way and now i would just like to give you a small piece of advice. When lending to ANYONE, read the words ANYONE, make sure you have something in writing or else bare minimum make a recording of the same on audio or a video or click a picture of you giving him the money.
But the best thing to do is to actually get the terms in writing.
The way i do it is simple, i will specifically ask them for a date by when they will return the money. And in the contract i will include a clause where if the money is not paid by that date, interest will be charged. And at this moment usually the date of repayment from next week will jump to next month and if this happens you can be sure you need to think about giving your money to this PERSON. Because very evidently they are just waiting to get the money from you and scoot.
Hence you only stand to gain in the end even if you are to take him/her to court.
Basically, the court requires proof. And if you have proof, you will win the case and you will get your money back. |
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