 I owe $3500 to Bank of A. Can I settle with $1,000? |
| The original loan amount was $2000 and it is now $3500. They sold the debt to a collection firm called Phillips & Cohen. I have been able to raise $1,000. How can I settle with them with this ... |
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 I need a credit card I sort of have NO credit so I cant get approved! Where can I get one online? |
| I dont have credit..I have a full time job and Im a part time student...SO where online can I apply and most likely won't get rejected????? HELP... |
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 Why do people get so mad when bill collectors call them? Isnt it there own fault that they fell behind? |
| I know people have hardships, but when you think about it there was nothing in my contract with Citibank that I didnt have to pay if I lost my job..I was just wondering..... |
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| Can I pay to clear defaults on my credit rating? |
Instead of waiting 6/7 yrs can u pay to have the defaults removed?
I know it used to happen!
Additional Details
Please let me stress that I know people who have done it in the past.<... |
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 Is it true that Credit Debt will wipe itself out in 7 years? Or Should a person pay the debt to clean credit? |
I am 26 years old, and I have credit debt from the age of 19 years old, I paid a few of them off, but there is another $2,000 -$5,000 sitting on my report. What is the best course of action?
... |
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 Pay in full and receive credit or settle and cease credit relationship? |
Account is in charge-off and reported to bureaus as so. Amex is giving me 2 options.
1. Pay in full($2180) and recieve a card with them to help reestablish credit.
2. Pay 60%(~$1200... |
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 Where can i get a loan? |
| i just got married in march an i was wondering where i could get a loan 4 house an land i dont have any credit an i heard that wen u dont have credit it like having bad credit should i go to my bank ... |
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 My debt is outrageous..I am homeless and carless, how can I get help? |
I don't have the money to file bankruptcy and who can I write to absolve me of my student loans? I never had a credit card...these are mostly medical bills getting ready to garnish me
A... |
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 Cash advance online? |
| Are they a good deal or should I stay away from them need money quick. I have a job and can pay it back just can't come up with the amount I need asap. Anyone know if I should and can ... |
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 American express card? |
| My dad added me to the additional card list. I called customer service and they said that i will not build credit because my dad is the person liable for the charges. But, she said that i will ... |
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 Can anyone please tell me what stores like walmart,target,bestbuy,et... have their own instore credit cards?? |
| i need to know what stores have their own credit cards and that report the credit history to the credit bureau..i dont have any credit cause i jsut turned 18 and i read that this is one of the ways ... |
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 Grace period/late on car payment? |
| I have been sorta late on my car payments for the last couple of months, they just keep hitting me up with late fees, which is fine, I completely understand that. What I am wondering is, if I keep ... |
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 Does someone know what exactly happen when u dont pay your credit card? |
| I know this is bad but my financial situation at the moment is really bad, im unable to pay my credit card and someone told me to stop paying my credit card at all and move house.... |
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 MASSIVE CREDIT CARD DEBT? |
| I need some advice on which credit counseling agencies are the best and the most legite. I am ready to take action on getting credit counseling and getting help with my spending addiction! I live ... |
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 What if a collectors says see you in court? |
| hello i had a credit card charged off 4 years ago i did not have any means of paying it. the company said we are just charging it off. i get a call from a collector friday telling me i have to pay 2... |
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 Do unpaid medical bills affect your credit? |
| Do unpaid medical bills affect you credit or credit rating.... Do they show up when you want to apply for mortgage, loans, etc...... |
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pimpdogspence | I am about 10,000 thousand in debt and i am 21 years old and i don't make that much so how can i get out debt |
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Chris W
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PAY IT BACK. contact your creditors explain your situation and offer to pay back as much aas you can sensibly afford. Eventually you will pay it off. |
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Sidoney
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OK What are you in debt with? All credit cards? Car and credit cards? What you need to do right now is get rid of all credit cards except one for emergencies. $10,000.00? Do you own a house?I'm thinking no. Take a deep breath and write down all of your debt on a piece of paper, include your debt and your monthly bills, (utilities, rent, gasoline insurance) Then put down your monthly income. Somehow you are going to have to manipulate the debt so that your income can cover it. Do you own your car? If not I would suggest working on that wholeheartedly while you're trying to take a stab at the others. (As I've always said "They can reposess my car but they'll never try to reposess my Mastercard!" Then is there any family that you could borrow from to make the debt right and pay them back? If not then you just have to suck it up. Call all your creditors and tell them that you're in over your head, they would rather work with you and get you to pay the debt you owe than have you become insolvant and be left trying to figure out what to do with you. At this juncture if you're not behind, do everything in your power to stay that way. At 21 you don't know what crappy credit will do foryou, but from experience I can tell you...you NEVER get over it. Good Luck PS DO ANYTHING< EVERYTHING BUT DO NOT FILE FOR BANKRUPTCY... the laws are much stricter now and it's hard to get it all written off AND you just don't know how it will affect you down the line. Many job applications ask if you have filed and you'll be eliminated right away, as well as you'll never be able to be bonded, get a license in ANYTHING that has to do with money (Securities, Real Estate, Insurance, Acoounting) DO NOT FILE BANKRUPTCY!!! |
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nora7142@verizon.net
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work a second job for awhile until you pay it back |
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clove83zm
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Don't feel too bad.I'm 22 and 28,000 dollars in dept and I manage just fine.Learn to manage your money.Also, further your education.You can't expect to make 100,000 a year without a degree unless you have some talent or a Master plan to earn wealth. |
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mikewolcott
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As the gentleman prior to my posting expressed to contact your credit cards and let them know of your situation - that is one good way.
Another way is to declare bankruptcy if you feel overwhelmed by the debt - this is done through a lawyer.
However, there is a price to pay for declaring bankruptcy, so hopefully you can work with your creditors and learn how to use credit more wisely so you won't run into this situation again - esp. a gentleman so very young!! |
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kathleenhudson2004
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Snowball your bills, Make a list of the smallest to the largest, Make Minimum payments on all but the smallest. Double the payment on it every month until paid off, continuing the minimum payments on everything else. DO NOT CLOSE any credit cards after being paid off. Next take the doubled amount on the first payment and add it to the minimum payment on the next smallest payment. Keep repeating this process.. You will be out of debt before you know it as our payments will be accelerated with this proven process. |
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Dbl Monday
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Cut up your CC's, contact all creditors and set up a plan with each. They will work with you opposed to loosing there money. Control your spending habits. If you cannot pay cash, you do not need it. |
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Paul M
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If it's CC debt, and you are in good standing with them, you can call your creditors and ask them to lower your APR. At first, you will be told no, but don't take that for an answer. Ask to speak to their supervisor. Keep asking until you get a yes. Someone will listen.
Some people say pay the CC with the lowest balance, others say pay the one with the highest interest rate. I personally went with the lowest balance. It shows progress quicker.
Filing bankruptcy is not as easy with the new laws. You used to be able to file like going to the bathroom. You cant just pick Chapter 7 or 13 anymore. First you have to go to mandatory credit counseling. After that, it is based on income. The higher your income, the less likely you are to file Chapter 7.
Try the link below for more info in bankruptcy |
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credit repair
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Lenders want to be paid, if they think you will pay your bill if they waive the late fee, they often remove the fee in exchange for prompt payment. creitors will often charge you aover limit or late fee for non-payment. now you have to pay more and get a mark on your credit You can phone the lender and get the charge waived in some cases, let them know your having problems ask them if they can temporarily lower the interest rate or stop the interest charges this will give you a chance to catch up. (this may also close the account, but may keep them from reporting the account as delinquent). this is one of the first services a will credit repair company will perform. You can this for yourself, at no cost. |
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RWA 69
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second job lots of people do it. |
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Shelly
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I'm with Joonbug on this one. You can also contact CareOne Credit Counseling. They're non-profit and having debt in couseling looks good on your creidt report. They can also sometimes get the debt paid off faster and for less money. It's the best thing you can do with that much debt. |
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Joonbug
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Please contact the Consumer Credit Counseling Services, they will help you negotiate a settlement amount and help you with monthly payments |
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