 $1200 loan with bad credit? |
I found an apartment and he needs security deposit of $1200. Anyone know where i can get a loan with bad credit that is not a scam???
Thanks.... |
|
 Am I really in debt? |
| My credit score sucks (514-experian)... But there isn't really that much stuff on my credit report... and the stuff added together doesn't even come close to $10,000.. Would I be considered ... |
|
 How do i clear my credit? |
| can i do it myself what are the steps.... |
|
 Credit Company harassment, My rights? |
| ive had a 3rd party collections company calling me 6-10 times a day asking for me to put money on my account. I tell them i will put $100 on it on thursday. This shuts them up for the rest of the day.... |
|
 If an elder parent has credit card debt and then die, would anyone be responsible? |
| What happens if there isn't enough money left to pay off credit card debt from one's estate once they have passed away. Would a family member, i.e., an adult child be responsible.... |
|
 Can you use a pre-paid debit card on online? |
| i am tryin to purchase something online.. but i am not sure if i am allow to use prepaid debit card .. will it be ok to use them??... |
|
 Chapter 13, Bankruptcy? |
| Is there no such thing as being forgiven for your debts and you get a second chance.... |
|
 Why do people not understand the difference between debit and credit use? |
| I worked retail and at some points our pin pad would be down so as long as the customers card said Visa or Mcard we could run it as credit ,,but it only takes it from you checking just as if we ran a ... |
|
 I received a check from Imperial Foundation Lotto, and now the bank told me that their check bounced.......? |
| It bounced and now I have to pay the bank every penny of it. I tried calling their number and it's the wrong number. I feel very devastated and don't know what to ... |
|
 Co-signing for a car? |
| I have an odd situation my mom and dad aren't kicking me out but I cannot bare to live with my dad anymore, we aregue all the time and I just feel like he doesn't want me there. I'm ... |
|
 Credit cards?!? |
I need to build up my credit, because i have basically none!
and today i was talking to a lady at my bank and she said to apply for a credit card
my question is, if you have one ... |
|
 652 credit score, is it good? |
| just checked my credit score. it was 652 is this a good score? could I get a home loan with this?... |
|
 What do i do with a 530 credit score? |
| i have a credit score of 530, i cant open any checkings or savings accounts with any banks or get any credit cards, and i have never had a credit card. how do i get my credit up?... |
|
 Does bankruptcy help or hurt your credit? |
| My mother is thinking about filing bankruptcy and I have heard so many conflicted stories about what it can do for your credit, some say good, some say bad..Please share your personal stories and ... |
|
| What department store credit card do you have? |
| I'm doing a poll on how many people have department store cards.... |
|
 Pd off a collection 2years ago and now still getting harassed what are my rights? |
| I am sitting here very ticked off. I got a call from a collector demanding payment from a account that i pd them 2 years ago. I told this guy that and he laughed, he then told me i have 2 days to ... |
|
|  |
justjen86 | I'm only twenty and in debt over my head? |
When I graduated high school I was in an abusive relationship. Five years my senior, he convinced me to get credit cards he maxed out, and then forced me to drop out of school. I got away with much help from my family, but now I have collection agencies calling me, threatening to turn me over, telling me I need to pay half of my debt from school by the end of the month. I am currently in school, I work as a waitress and live with my parents. I'm barely making ends meet trying to pay for school... Im probably $10,000 in debt... What should I do, right now I just feel like crawling up in a hole... I'm only twenty years old and I feel like I ruined my life... |
 |
 
lithium630
 |
I would get a copy of your credit report and try to clear up any wrong information, and dispute any negative information. Then I would do my best to get one loan to pay off all of the credit cards at a far better interest rate. Either through a bank or family.
The other option is to just not pay them. The collection agencies cannot get blood from a stone, however your credit will be horrible for quite some time, making it much more difficult and expensive to buy a house or a car. |
|
ÐIESEŁ ÐUB
|
Call your consumer credit counseling agency in your area (or look it up online). There is no charge for this and they can help you get back on track. I'm proof. I had 12G's is debt and with some diligence and a helpful credit counselor I was able to get my finances righted. Do it now, you have to be proactive and not reactive to your debt.
I know you are stressed out (money can do that) but you are young and have plenty of time to fix this.
Good luck |
|
nashvillekat
|
I am really sorry to hear that but you do have a chance to start over and learn from mistakes. I would start by making a appointment with a financial advisor and just go from there.
They will help you to get back on track. Good Luck! |
|
Ken
 |
A debt of $10,000 is not the end of the world. Talk to the credit card companies and try to get out of part of it. Otherwise, make a payment plan with them that you can manage. That way they won't keep calling you. And, in general, avoid debt altogether in the future. |
|
steve s
 |
I have been saying this for a long time. Before declaring bankruptcy start by paying any current credit cards on a bi-weekly basis. Take the minimum payment and divide that by 2. When the bill arrives pay the first half and then 2 weeks later pay the 2nd half.
Now as far as collection agencies go. Make a settlement offer with them. They will usually take anywhere from 40-50% of what you owe. Sometimes less. If you have a copy of your credit report see what bills are reporting over 2 years old. Do not update your credit report. The bills that are over 2 years old and not updated keep it that way. These will eventually fall off once they turn 7 years old. Any collection agent that makes threats you can report to the Attorney generals office. It is illegal for a collection agency to make threats and/or harrass you. They can not threaten a lawsuit on behalf of the company you owe. They can not tell anyone else about your debt and that includes family members.
Bankruptcy can remain on your credit up to 10 years. The longer on your credit the less weight it will have. You will need to file a chapter 7 since you don't own a home. This will wipe your debts out. I would try the plan first by paying your bills on a bi-weekly basis. |
|
BirdDog
|
Never file bankruptcy!!! I believe filing bankruptcy will be listed on your Credit Report for life. Talk to a financial advisor. You should be able to find one by consulting Banks or Financial Investment Firms (I have had good luck with Edward Jones or ask your parents if & who they use). Ask them to recommend a good Financial Advisor. Not only will they help you get out of dept they will give you suggestions as to the best way to handle your finances thru college and down the road.
You are fortunate that you are learning this lesson early in life. Most people don't hit a wall until after they have kids. Once you get out of dept never go into dept again. Be money wise, not dept foolish.
Often the person that looks like they have money is the one with greater debt. On the reverse side people that live by simple means are wealthier than what most people would imagine.
Living life with out dept is a much more rewarding life.
Thanks for the memories,
BirdDog |
|
birdman
 |
Declare bankruptcy and start over, and learn from your mistakes |
|
pink_me
|
Im sorry to hear that, I hope this team could help you out. They're the same team my family would run to whenever we experience financial/credit troubles, might as well check with them
have a great day, I know everythng will be okay soon
http://www.newhorizon.org |
|
k_mclish
|
Hi there,
Please, seek the aide of a debt consolidation company. Get an updated copy of your credit report, go through it with a fine tooth comb, figure out what should be there and dispute what should not be there. If you find you have any issues with identity theft or need an opportunity to generate more money please go to my website: www.prepaidlegal.com/hub/kvmclish to see a present ation or call 1-800-394-6919. Please e-mail me back @ k_mclish@yahoo.com with your feed back and any questions. Good Luck!!!!
~Kay. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 9 minutes(s) ago
| | | |
9 | 11 minutes(s) ago
| | | |
9 | 50 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
8 | 10 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
10 | 2 week(s) ago
| | | |
9 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
