 If my dad co-signs on my auto loan (refi), will the debt show up on his credit? |
| If it does, when can I drop him as a co-signer? Trying to get my auto loan interest rate from 18% to under 10%. Will this hurt his credit???... |
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 Re: Payday Loan companies? |
| Please could anyone enlighten me on why most Payday Loan companies are either MEM or Payday uk advertising with different names but different tel no, also when go into their contact details they are ... |
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 Free credit report every year? |
| well I got a credit report like 3 months ago, so do I have to wait until june of 07 to get another report or can I get one after jan 1 07?... |
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| A perfect paypal scam??? whats gonna happen to me? HELP..PLZ? |
| ok let me explain what hapend this guy on craigslist.org told me he was going to send $350 usd i said ok :) he sent me the money!!!! he tells me to send the psp(item) to nigeria so i am like F*@$# ... |
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 Closing a credit card with a balance? |
| I have a credit card that I just cannot seem to pay off. I've been trying to pay it off for years now and then I seem to spend on it. It's gotten to the point where if I don't close it,... |
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 I had a Mastercard that has been in collections for 4 years. The collections agency is calling me everyday.? |
| I came into hard times and lost my job a few years ago. Things have gotten better and I am in a better financial state so now I am trying to work on clearing up my credit. I recently pulled my credit ... |
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 Visa Mastercard U.S. District Court Settlement? |
| Has Anyone received a Visa Mastercard settlement notice, where you have to apply to receive money back if you purchased anything internationally between 1996 and 2006? Is the Real? How exactly this ... |
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 I was approved for a personal loan by Countrywide credit corp-has anyone ever heard of them and is it a scam? |
| I have bad credit and it is a personal loan but they want me to put down a security deposit of 1300.00 and to Western Union it to them and they will put the requested loan amount in my account ... |
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 Mortages, been paying for 30 years even though it is contracted for 25 years? |
hi,
ive got a mortage back in 1976 which was for lets say £9,000. it was for a 25 year period. to this day im still paying it and still got about another £5,000 left to pay, never ... |
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 What is a good Make money online site? |
Hi,
Can you help me on what are good money making sites? I Live in the Philippines and I want a site that pays you for making written stuff like Journals, Vacation stories, Essays, ... |
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 Mortgages for people with low credit scores? |
| Need suggestions for reputable mortgage companies, loan companies, banks, who loan to people with low credit scores.... |
|
 How can you determine a check is good without going to a bank? |
someone send me a check i want to find out if it good before
cashing it.... |
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 If you have a credit acct that is charged off, can they still send you to collections? |
| I have an account that is charged off. Which means the creditor wrote it off as a loss. Can they still send my file over to a collection agency to collect on it? I now have a collection on my ... |
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 Photo ID required when using a debit card? |
| I just got a debit card, but unfortunately, due to a variety of circumstances, I have no photo ID. My question is this: do you need one to use the debit card? I know the pin number and everything. I&#... |
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 Raising credit score in 5 months? |
| My husband and I are hoping to buy a house in the summer. Right now our credit scores are in the low low 500's. We have about 5 collection accounts ranging from 2003-April 2007. I paid off ... |
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Silent Echo | I Dont know what to do? |
i have 3 credit cards and the limit on those are more then 14,000 all together but i cant pay them and i havnt payed any of them what should i do so i could bring my score back up and how? |
 |
 
*G*
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Can you pay them? Even if its the min. until your back onto your feet... Please do not just let them go...it'll pile up and be worse for you... |
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Morecards
 |
Work, get money, pay them? |
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Julie
 |
STOP using them. Pay what you can, start there and don't charge anything else, anywhere until those are cleared up. Thats a good start. |
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xxxxxxx b
|
First, cut up the card.
You cannot afford to charge anything else at all.
Even if you cannot afford to pay the entire amount, do try to pay SOMETHING on each one of them.
There are 24 hours in a day an you only need 7 of them to sleep. This leaves you with time to get a part time job! You obviously need to make more money.
You might be able to do that by cutting a few more expenses....Can you take your lunch to work 4x a week.
Can you cut back on cable tv (you dont need 400 channels). Can you switch your lightbulbs to energy efficent ones?
Can you limit spending in other ways (dont buy the trendy clothing every month, buy in bulk etc).
Your score will NOT increase until your debts decrease! |
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Tap Happy
|
The best thing to do is to limit your spendings for now. Buy sparingly. If you have it, use your food storage. Walk to work, to save gas money. Best thing to do in the now is to get a job with steady income and ask for a period of time to build up your stocks of cash. Don't try to get the money by gambling; it mostly just sends you deeper into debt. |
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norm2120
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Don't ever use credit cards again until you pay off your debt. In the meantime try debt considation or, worst case, bankruptcy lawyer. |
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notyou311
|
You need to go to a debt consolidator. They will combine your bills and get them lowered. Then they will put you on a payment plan. Get rid of your credit cards. Your bank may be able to help you. |
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lisa s
|
Do you have anything to show for the $14k worth of stuff?
Maybe you can start by selling those things off. This is not a punishment but you cannot afford them so why keep them and be a slave to them.
Start a side business on ebay selling stuff that you bought but cannot afford. You can also sell things that you no longer use.
If you have a hobby maybe you can turn that into a money making venture. For example, if you collect baseball cards, maybe you could sell them off
YOu can make a few $100 bucks a month by doing this.
Certainly you wont get rich but you can put a small dent in your bills this way.
You might consider walking or carpooling to work or switching high speed internet to dial up.
If you live alone maybe moving to a lower rent place might help or taking in a roommate to share expenses.
Contact the companies and ask them if they can lower your interest rates. ALL the can say is no...if they do, what really have you lost?
Admitting the problem is a great first step!
Identifying ways to keep it from getting worse is a fantastic thing to do also (cut up the cards)...
You will be out of this mess in short order as you are making great strides!
GOOD LUCK
p.s. Debt is the great american way, dont feel like you are alone in this as several people are in severe credit card debit. |
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Kris L
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Cancel all but one and only charge the 'bare minimum' to keep that card 'active' while you work as hard as you can to 'pay off' your debt. You may need 'credit counseling' but be extremely careful before you 'sign up' ... know exactly how much you'll 'pay' for this (it could be a 'percentage' of what they will 'pass on' to your creditors, or a separate amount) and to whom you will actually 'give' the money and how it will be 'paid out.' It may take a few years, but you can 'do it' ... |
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nobody
|
Go to your bank and see if they can consolidate all of your debts into one loan. That way you only have to make one payment a month, usually at an amount you can afford, at alot less interest, so what you pay isn't all going to interest only. |
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