 What can a 750 credit score get me? |
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it was a pretty general question. i knew i had a 750 score for the past 2 months but i never fully understood what the big deal was. thank you all for your advice. i ... |
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 Whats the difference when useing debt and credit on a atm card? |
| I just got my atm card from my bank, but im not sure witch is best for me to use it as, debt or credit? what is the difference?... |
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 I am about to be 18 and have good credit. i need to know if 16.97% interest is high.? |
and does anyone have trouble with capital one?
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okay so iam 18, so 6% insrest isnt going to happen. please dont write about your self.... |
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 What is the best credit card? |
| I am an 18 year old male from the states looking to get a credit card to build up some credit, who should I get a card with, there are just too many companies out there right now for me to decide (I ... |
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 What is the best way to lower my debt? |
| I have a consolidated student loan that's about 12,600 dollars. I also have credit card debts totalling around 9500. I have considered getting a loan from Primerica in December (that's when ... |
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 Is a APR of 19.8% good? |
| I just got a credit card and on the paper i got in the mail it said that my APR is 19.8% but the thing i want to know is if that is good or bad???? can someone help ... |
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| How poor am i....? |
| if i dont have enough to pay my power bill. from 1-10... |
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| How get i earn more money ? |
| i work full time mon to fri and cant work in evenings or at weekends but need more money to pay bills and petrol ... |
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| Self check out at Wal Mart giving you too much change? |
The other day, I used the self check out service at WalMart.
My total was 28 dollars and some change and I insert a 20 dollar bill, and two 5 dollars bills....equaling $30 that I inserted ... |
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 What happens when you stop paying your credit cards? |
| So I've done some research and I know all of the consequences of walking away from credit card debt. But I am not sure what I should do. I know many people have asked this same question and were ... |
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 Could I get a debit card with a bad credit history? |
| I have a basic account, so can't pay my bills online or via phone and it gets on my nerves.... |
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 Is 9000 too much in credit card debt? |
I am trying not to use my credit cards anymore at all, but I am getting a bit worried about it.
I make my payments on time of before time, and always more than the minimun.
I work in a full ... |
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 I need a quick loan of $3000 that will be payed back in 2 payments within the next month.? |
| I am just in a pickle right now and I have an emergency that needs to be taken care of now. Problem is I am paying off my bills to better my credit but I know it isn't very good right now. W... |
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 I cant afford my credit card payments? |
| i am on the sick my card insurances payed out but benifits so low used my credit cards now cant afford to pay them back what do i do i am so worried. i also have cancer have prostate ... |
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 Paid off all credit cards, what is better for my credit? Too keep one and not use it or dont have any at all? |
| It doesnt matter either way, to have one and not use it or to not have any credit cards at all. I havent used any credit cards for 4 or so years so its not like i would be tempted to charge it up ... |
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 I work for a major high street bank and am sick and tired of customers moaning about their bank charges...? |
| and sending letters into us in order to reclaim them back. If customers misuse their account they will be charged a penalty, same if you go through a red light you are charged a penalty but you know ... |
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davidmichigan24 | I am 30 years old, and I found out I have cancer. I have less than 1 year to live.? |
Right now, I have about 10k in credit card debt, 25k in student loan debt, and 8k on a vehicle loan. I have no assets except a few grand in a 401k. I am unmarried, and I'd like to know what happens to my debts because I won't be able to pay them back. I want to go home to be with my savior, but I feel bad that I'm a burden to society by never paying back my debts. Feedback please?
Additional Details
Remember, I will fight it, but it's in the brain. I am a Bible literalist so I remember the verse about being enslaved to your debtor. I don't own a house, and my assets are only 2k. I am getting out of my apartment, and I'm moving back with my parents. I want to make sure they don't have to assume responsibility for my bills as it was me who incurred that debt. It wasn't out of irresponsibility, but it was simply based on expenses while I was in college. I am just looking out for my elderly parents you know. |
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Asif
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First of all, remove the idea from your mind that you have less than a year to live. Feel happy about life and be thankful to people and God. Dont worry about debts. Its common in today's world. Taking care of your health is more important. |
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Veritas et Aequitas ()
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Nobody inherits debts unless they claim assets. Then they would become liable. Otherwise your assets are liquidated and each creditor gets a prorated cut of what's there. Then whoever is your closest next of kin gets the remainder of the assets. If I were you I would also designate your 401K with a beneficiary upon death. That will bypass probate and won't be touched by creditors. I know in my state that life insurance and retirement accounts are untouchable if they have a beneficiary other than the estate. You can even designate the benificiary as your favorite charity. Your student loans, on the other hand, just die when you die. That's in the literature you get when you take exit loan counseling. |
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Kris L
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What you need to 'do' is get ANGRY and FIGHT that cancer. Yes, you have 'big debts' ... but the IMPORTANT thing for you right now is LIVING A FULL LIFE. I had 'terminal cancer' when I was 21 years old, and I was 'given' three months to live by my EXCELLENT doctors. I looked at them, and said 'I'm going to dance on your graves, and none of you are going to die until you are VERY VERY OLD. I had a second 'primary cancer' 19 YEARS later, and when my doctor ASKED ME how long I was going to live (yes, that had 'changed' because my 'answer' made the BIGGEST difference) I said that I 'had to live to be 150 to do everything I wanted to do with my life. I was 40 then. I am now 57, currently cancer free ... yes, my husband and I have some 'heavy debt' (we owe over $500,000 in 'medical bills') but we are both happy, we work to maintain our health, and we have no 'desire' to die ... the 'debt' is being paid off slowly, but we don't let that 'depress us' ... and if you want to LIVE you'll need to realize that there is more to LIFE than money, that you don't 'owe society anything' but to LIVE, and FIGHT THAT CANCER. I made it, and you can, too, but ONLY if you get your 'priorities' straight. |
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sophieb
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get some help to get rid of the cancer, first build yourself up (your immune system)(look up on the web how to do that) and then get whatever treatment you need. Your student loans would be cancelled out upon your demise. I suggest you do your will and living will and the one for caregiver and the one for someone to take care of your finances. Now, if you are not married and you're living off on your own then no one will pay any other debts you have. Your finance person that you appoint will sell your car and any money made from that will first go ward your unpaid bills then go toward your funeral bill. In the meantime think good thoughts as many many people these days survive cancer. Make yourself some friends or get some assistance from family to take you to your chemo appointments (since you may be too weak to drive at times)(but you will get better). Think on the "hopeful" side. |
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♥Brii Almii♥
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Dont talk like that though..
Although you have cancer you can still
be happy!
About your debts,
pay as much as you can pay..
Its not your fault you got cancer ya know??
so i think you will be okay!!
be strong and god bless!!! :] |
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Wisdom Seeker
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Start a fund which will pay for your funeral and other debts. You can ask banks for permission to set these cans inside their banks. Set them every where you can. Remember that doctors are not always right. When you feel love you may live longer. Look at Art Buchwald's story. (Google him). They told him to go to a nursing home to die and he didn't die because he felt such love from all the visitors. Don't set limits for yourself. |
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snapple.
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who cares about debts?!
just have a good time while you have life left!!!!!
spoil yourself, im sure society can forgive you, i mean its not like your going on a yearly holiday or something. it might be the last time to enjoy!
go for it, please! |
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From ABOVE
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you pay nothing but remem,ber the DR are wrong it in you rmine! the say it a year but i fimily member been told the same crap and 20- years later they are still here
just pray! |
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abbsters
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Are you serious? Only a year? Well don't worry about being a burden to society, believe you probably won't be. Right now you should go live your life, and do what you always wanted to do. Just make sure you know Jesus. and that you have excepted him as your savior, and that you will go home to him. |
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Echo
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First, I'm sorry to hear about your illness. There's enough evidence that cancer can be turned around though that you shouldn't need to give up hope.
Second, while there have been some good pieces of information and advice here, your best bet is to talk to a lawyer, and possibly an accountant.
"Living it up" (driving up the debt in the belief that you'll never have to repay it) is always your option, but it's not really the responsible thing to do. It's your life though. |
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Gypsydayne
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If there's an estate (you have life insurance, etc.), then the debt you owed would come out of that money. For instance, when you die (and no one knows if you will or not- only time will tell) and you have any kind of money coming to you, your "estate" gets put into probabate & anyone who is owed debt can make a claim on it. Your next of kin would get whatever is the remainder. Cancer is not always a death sentence in this day & age so you need to weigh all of your treatment options & such. Be open with your family & friends & pray :) |
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Nicci
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First I would like to say don't give up so quickly on life. I am a cancer survivor of 7 years and I remember when the doctors told me I only had 7 months to live, and the baby I was carrying at the time would die or I would die, but we both wouldn't make it and if the baby made it, she wouldn't have the activity of her limbs if any limbs at all. Well my daughter is 11 years old now and she has all of her limbs and she is a honor roll student. Never box God in for what a doctor says. For God is a healer of ALL diseases, and by His stripes you are healed. Just have faith in God to do the impossible. I am only a few years older than you so I understand everything that you are going through. As for your bills, that is something that you can't change. I do believe that when you occured them you had every intention on paying them back. If you are collecting some form of disability, if I'm not mistaken your student loans may be waived. You just have to prove that you are disabled. God bless and God speed. |
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Stephen G
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Take that 2K out of your 401k and have a party.
All debts are null and void upon death.
Im sure the Good Lord will forgive you. |
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Nastia
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What if you have more than a year. I think you should continue working and pay your debts Make use of that education you spend so much money on. |
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byrdie
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Just live your life as best you can and don't worry about the debt. (Try not to add to it, but don't worry about what you have.) Those of us who pay interest, etc, cover these "acts of God" that no one can predict. You had every intention to pay off your debt because none of us expect a short life, so don't worry about it and just enjoy the life you have. Enjoy your family, nature, and your religion. |
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Melvinator
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I do believe those debts cease to exist. |
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Melissa.Speer
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It's not your fault that you don't have the time to pay it off. I don't think anything happens to it if there's no one responsible for it. |
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chill.cavs
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Dude if you truly have one year left to live don't worry about your debt. finish of life with what you wanna do. do stuff you have never done. Society will survive but you won't. God Bless. Merry Christmas Dude, live it well. |
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alyosha_snow_crash
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Well, if you believe they're right and curl up and die, I doubt you have a full year to live. No one is going to fault you for debts you leave behind in that situation, so focus on what it would take for you to get better, and do what you can about the debts. They're secondary. Remember, suicide is a sin, and not doing all you can to stick around could be seen that way. |
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alma v
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Im so sorry to hear about your situation.I think you should just worry about spending time with the people you love.Live the rest of your life with them and dont worry about the debts.Besides, thats whats more important to you.I am not to familiar with debt and all that but it will get taken care of.God bless you and your family.If there is anything else I can help you out with, let me know. |
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twisterx1124
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This is a hard situation to be faced with. I personally wouldnt worry about it.. because it is a two way street. the government takes all of the wealth of individuals who dont have any one so it would somewhat balance out. the only thing is if you have any immediate family members the debt may fall on them. |
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jeanniep
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never told anyone to do this, but I would go bankruptcy, if you have a family (married), if not then I would not worry about it. your family (parents) are not responsible for your debts |
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Susan G
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Wow, I'm really sorry that you've received such devastating news. Since you're so concerned about this, ask an attorney who can help you set up a will (you probably have things that you'd like others to have) and he or she will advise you about debts. Keep looking for treatments and cures and don't give up all hope as miracles do occur. I wish you well. |
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Mother anne
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Debts USUALLY get passed on to the next of kin, so if you do not have a husband or children, they just get wiped out. |
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huggl
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no one has to pay your debt so get more charge it up and have a good time (even if my rates go up.001) Parents do not inherit the debt of a 30 year old. You are not married, no one will. They might send letters to your parents, but it is a scare tactic. IN ANOTHER QUESTION YOU SAY YOU HAVE FAMILY, YOU WANT TO JOIN THE NAVY, SHOULD YOU BUY A HUMMER... U R FULL OF IT! |
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fisherman
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file bankruptcy then all your debt is gone |
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Maverick
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Phuc 'em and enjoy yourself |
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Jerry M
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They will take as much of your estate as possible to cover your debt. sell your car and other belongings to make up the difference. No one will be left to pay off your debt or be required to pay it from anything other than your belongings. So don't worry about it, you have enough to deal with. |
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nathan s
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alot of the debts may be covered by your lender in teh case of death, as long as you have no next of kin i dont believe anything will come from it, mostly what will happen is that all of your property is likely to be sold in order to pay off debts and any deficit may be written off, im not an expert on this but this is how i understand it, im not sure if your in the uk or the us but the below link should give you an idea if your in the uk.
most importantly dont worry about the situation your in enjoy yourself and fingers crossed you will get better. (ok not in respect of the debt) why not go on a cruise or something :P
best wishes |
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John
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The probate court will take the money that you have in the bank, sell your car and distribute it among your creditors. Since you have less money then what you owe none of your money will be passed on to your next of kin. I will assume that you will incure medical debt. |
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michael g
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This is your chance to do the right thing before you meet your maker. We all have choices so make the right one.I wouldn't want to make any bad carma this late in the game if I were you! |
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