 Has anyone heard of or dealt with Eric Smith (eric_loan)001@yahoo.com? |
| I am thinking about applying for a loan from Eric Smith. He is asking for a non-collateral deposit of 2.1% of the principal loan amount and states that this is legal as stated in the Amended C... |
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 How do I protect my unborn child's credit from his irresponsible dad and grandad who have the same full name? |
| My husband John Smith II had his credit ruined by his father John Smith I. I am pregnant with a boy now and want to name him John Smith III but don't want the same thing to happen to my child. ... |
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 I need help in payday cash advance loan, plz? |
| I need some cash advance for emergency, somebody tells me a loan company that can lend me money like hundreds pounds??... |
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 BANK OF AMERICA check? |
my aunt in another state sent me a check in the mail for 1000 well....
i dont have a bank account and dont wanna start one quite yet, is there any other way to cash it?
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 Has anyone tried freecreditreport.com? |
| Just wondering if they are legit or if they will steal my personal info or sell it.... |
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 ARE there any real online lenders out there that give loans to people with poor credit? |
| Jeff Norerts? does anyone have anything on him? I got scammed once and i wont again but I need a loan immediately my life depends on it. If anyone can help me please do. If any of you scammers write ... |
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 Credit disputes question? |
I know this sound's bad, but can you dispute acounts on your credit if it's realy your bill, and if so what is the best way to do so?
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THIS IS TO THE ONE WHO&#... |
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| What credit card should I get? I just turned 18 & I'm in high school, but want to get some credit history... |
| I'm not sure what credit card I should get. I want to get some rewards like rebates on gas, but since I've never had a credit card before I would probably not get accepted (or not?). Does ... |
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 Credit cards? |
| anybody know any websites where i could apply for a credit card with a poor credit rating?... |
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 $1600 Credit Card Debt.... help please? |
Alright, so I've been bad with my credit since the beginning of my last relationship. Brainfart.
Anyways, so my credit is fairly bad and I really want to get myself out of debt but ... |
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 Getting paid? |
| If our company gets paid on the 15th and last of the month. When those days fall on a weekend we get paid that friday....so if new years eve is a holiday and falls on a monday do i get paid on the 28... |
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 If i leave the country with debts can i still be chased abroad. can i leave debts here and start fresh.? |
| I was left with debts when my business failed two years ago. my ex buisiness partner hasn't paid any of the debts but we're jointly and severably liable. I have the opportunity to leave ... |
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 I never had a credit card.? |
| I never had a credit card but I need to get one for emergency use only. Every time I apply for one I am denied. I dont think I have any credit history. Can someone tell me what site will approve me ... |
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 What credit card is the best for a first time credit card? |
| I'm am going to be applying for my first credit card. I will be working for a family member and I will be shipping stuff via fedex. I can use my bank card but I want to start building credit, ... |
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| Bankrupt! Need a debit card!? |
| I know a friend who was declared bankrupt 5 months ago, and he would really like a debit card for shopping online etc. Do u know of any banks that would issue one?? P.s not concerned about overdraft ... |
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 Why does PayPal require a Social Security # to receive more then $500 a month? |
| I love paypal for it's convieniance but why is it that they require a SS # to get your money out if it's more then $500 a month?... |
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dnelak | I am considering bankrupcy....? |
has anyone ever done this, I want to hear from people who have done this with an attorney and what the outcome was. I have $35,000 in credit debt and I can not work out payment agreements and I can not pay them unless I do something over 5 years at least. Any advice?
Additional Details
I have contacted an attorney and she advised me that is the best way to go, I am just looking for people who have done it, I am only 28 and I do not want to ruin my life if that is what happens. |
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S P
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I filed last year...Chaper 7 17K in debt, mixed debt, not just credit card debt....cost me 1200.00, discharged in 02/08. File as the result of a divorce, best thing I could have done. Approved a few months later for a credit card, only allow myself one, small limit, and already have increased. I pay it ontime, actually early most the time and approved for a motorcycle loan on a brand new harley davidson, which we pay on time, and have excellent incomes. So, there is life after bk....you can review these websites and may help with your decision...www.totalbankruptcy.com www.bcsalliance.com or www.usbankruptcy.gov All of these websites offer excellent information on debts, credit and bankruptcy issues. Good Luck!! |
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SlimMick
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I've never filed but I know a lot about the issue....
If you qualify to file for Chapter 7 under the new "means" test then you should probably take that route....Just remember:
You can only discharge debts through Chapter 7 once every eight years...so if you file now and you find yourself in a worse financial situation in two years, for example, you're going to be in a bad spot...
Second, if you file, make sure that you and all your dependents (if you have any) are fully covered with health insurance. Not having health insurance after filing for Chapter 7 puts a person in an extremely vulnerable financial position...A common medical emergency like an appendectomy with two nights in the hospital could easily surpass $35K.
Filing for BK will not produce the catastrophic damage to your credit that you think it will....The first two years you will for sure have bad credit...but after that, your score will start to go up and I've seen people have FICO scores in the 700s in just four years out of BK.
Don't let anyone smear or guilt-trip you for making this decision if you have to...especially all the people who like to quote Dave Ramsey who think that BK should always be avoided....this is ridiculous advise that only benefits credit card companies...Of course BK should be avoided if at all possible...but sometimes it is needed. Do what's best for you and your family. In light of the fact that all of us are going to be bailing out Wall Street fat cats...no one is in a position to slam you. |
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tonalc2
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Be aware that you must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief. This might even provide you assistance to avoid bankruptcy.
Also, you want to be sure which kind of bankruptcy you want (13 or 7). In order to file a Chapter 7 bankruptcy case, you must satisfy a “means test.” This test requires you to confirm that your income does not exceed a certain amount. The amount varies by state and is publicized by the U.S. Trustee Program at www.usdoj.gov/ust.
As I'm sure you know, this will stay on your credit report for 10 years, and will affect your ability to buy a car, obtain credit, buy a home, get life insurance, or sometimes get a job. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate,I came across this company on NBC News Special Edition.Check it out here:
http://CreditSolution01.notlong.com |
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maxmom56
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Make an appointment with a bankruptcy attorney. Most will see you for free. |
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golferwhoworks
 |
chapter 13 sounds right but tell them that you are considering this action and ask for a settlement in writing first. Send them no $$ till you do get it in writing and never give them access to your checking account |
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FORT
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I suggest you get on that 5 year plan and pay the money back the right respectable way even if you have to nickle and dime it for sometime in the end it would be a great lesson learned for you in not getting that deep into dept at a youg age. |
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Waiting and Wishing
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I would try credit counseling first. It's cheaper and bettwe for your credit. I've been doing it for 2.5 years almost and I am much happier than I would've been in bankruptcy. But I did not owe that much.
Anyway I think it is a better option. It will take more than 5 years but it took a long time to get your into debt and it will take you a long time to get you out. Even if you file for bankruptcy, then it will be on your credit for 7+ years, so eitehr way you're in it for the long haul.
Of course the attorney saiid that. She's make money off of it! |
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whatevit
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You need to access why you borrowed $35,000. If you bought thinking
you could pay later, then you only need to change how you do things.
If you bought things that were more expensive than you could afford,
again you need to change how you do things. If you used credit
because cash was not available this is a big problem.
If you can make some payments, it is best to put these funds in a
bank account (not yours) and accumulate it until the credit card
companies choose to negotiate. Your credit is depressed and will
remain so for 3 years. THERE IS NO GUARANTEE that after 3 years
all will be well. "Do not tell any CREDITOR that you have money
saved".
DO NOT AGREE TO ANY PAYMENT ON ANY ACCOUNT UNLESS
ALL CREDITORS AGREE TO A PAYOUT PLAN.
Make sure any agreement is in writing and you have 14 days to comply
with the payoff requirements. FIRST step: Stop payment on all accounts.
SECOND step: Create a written list of all your credit bills. You need
the amount due NOW - the credit card company will try to raise this
sum with interest charges. In two or three years they will make an
offer to accept an amount lower than your account list.
DO NOT AGREE IF ANY CREDITOR FAILS TO SIGN OFF ON THEIR
PORTION.
This approach may tie up your credit for 5 to 7 years, but you will never
have to report that you filed bankruptcy. "Charge Offs" are good for you.
When a credit company charges off your account, "Interest" is no longer due. The only funds due are those at the time of charge off.
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wayne s
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I am a debt specialist with Get stree free debt free. We can take all your debt and settle for about $19000 and put you on a payment plan as low as $450 a month and it will show paid in full on you credit. If you want take a look at our website getstressfreedebtfree.com and if your intrested please let me know. |
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Radzie
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I would meet with a bankruptcy lawyer but they drastically changed the laws a few years back making it almost impossible to file based on credit card debt alone. My fiance had filed and just made the cutoff before October 2006 I believe.
Good Luck~ |
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