 Has anyone out there had such bad debt ......? |
| ...........problems that they had to go into hiding for some years, they were so scared of being imprisoned? Or similar problem to share would be welcome. I have a friend and they had to do this, ... |
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 I got a credit card but, don't want to spend the amount will i still get credit? |
| Okay i have bad credit but, got approved for a credit card, I want to fix my credit so I was only going to spend 10 or 15 dollars a month and just pay it off. But someone told me you had to spend the ... |
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 Is $18,000.00 in debt a good enough reason to claim backrupt? |
| My Boyfriend is $18,000.00 in debt he has been told by a few people the best thing for him to do is claim bankrupt?... |
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 Ebay sellers? |
| is it so difficult to email someone and say, thanks for payment your item is being sent "this day" i swear i bought 5 things off ebay a few week ago and i received 2 and the rest ain't ... |
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 Has anybody got this email about getting a credit check? |
| You may be eligible to receive a benefit from a class-action settlement if you purchased and paid for a credit score or credit monitoring from ConsumerInfo.com or an Experian Entity between June 17, 1... |
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 What is this nonsense I just heard about employers not wanting to hire you if you have a bad credit rating? |
| If anyone else has heard of this and can elaborate more on whether or not it's true, possible and if so, why this is done, please do. Thanks.... |
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 I left the US in 2002 without repaying a car loan. I am re-entering the US, am I likely to be identified? |
Additional Details
My question was am I likely to be identified at the port of entry itself? Is my SSN tagged for loan default to be visible to the officer at the port of entry? What is ... |
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 Is anyone else in loads of debt??!? |
I have got myself in quite a bit of debt and its only started to dawn on me?! Is there anyone else out there in the same situation? xx
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Course its a question Maria you ... |
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 Why is it bad to get rid of your credit cards? |
I wanted to cancel all my credit cards, just completely get rid of them but my family is telling me to never do that. Why? What does it ruin your credit or whatever?
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| Need Help With Loan? |
| Hey I need to know how I can get a 1500$ loan. I cant do it through payday loans because their Interest rates are EXTREMELY high, and I havent been in the credit bureau long enough to get a personal ... |
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 What are some ways I can Improve my FICO credit score? |
| My score is about average, its not bad at all and it not extremely good though. I'm planning on buying my first home in about a year, meanwhile among other finacial preperations I would like to ... |
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 Whats your credit card limit? |
At the moment mine is £10.000 but ive never used it and they keep upping the limit.
Don't they get the message I DON'T WANT IT.
I never even applyed for it in the 1st place.Are ... |
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 I just got married 2 months ago. Am I responsible for my spouses past debt? Need help NYC? |
| I recently married and now I am being tagged for my spouses past debts. Is this legal? My name is not on any of the cards and I never signed anything.... |
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 How do people use credit cards? |
| It's not like they don't have to pay back the money of what they purchase if they use the card right?... |
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 What is the best credit card for my S.O. who has no credit and really bad spending habits? |
| she wants to build credit and says she will only make one small purchase a month and pay it off in its entirety but i just KNOW she will get carried away.. whats the best credit card she can get with ... |
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nysweetie29 | I am in debt and have creditors and law firms calling and sending letter. What is the best way to handle this? |
I am in debt and don't really have any money. What would happen if I do not respond to this or what is the best way to try and get out of this situation? |
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ggirlgail89
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This happened to my husband with a college debt he owed. He had a lawyer call and scare him one day. The best thing to do is to set up payment arrangements. We pay fifty dollars a month. A lot of times creditors will lie and say that they have a minimum that you must pay and can't accept less. The truth is that they must accept anything that you send them. If you cant do payment arrangements, send them what you can each month. They are going to stay on your tail though until you start paying on a regular basis. The only way out without paying is chapter 13 and that is for the most desparate situations because it will take a while for you credit to recover. Go and see a credit counselor for advice. Also, each year when you get your taxes, if you get a good amount back I would put that towards your debt. Me and my husband did it and it helped out a lot with our credit. |
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reneem1954_2000
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I just called our lawyer and he advised not to. He has taken on two cases this week were the credit card companies refused to accept the money and sent the people to bankruptcy court anyway. I almost got caught in one. If you do get in one, check them out with BBB.
http://www.bbb.org/
He said they may work if you have small debt like 3000 and under.
A lawyer doesnt cost as much as you think. many will let you make payments too. Check around. |
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Still reading
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If you owe the debt, you can't get out of it, short of filing for bankruptcy. However, bankruptcy has gotten much more difficult in wake of new federal legislation. Go to a credit counseling agency (not a credit repair agency!!) and see if they can help you work through this. |
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Adam B
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Well it all depends on if you want to save your credit. Chances are if you're already getting calls from lawyers, your credit is tanked. When I was in my early 20's (2001) I had decent credit, and had 7 credit cards, 2 loans, and a car payment. I got divorced and lost my job in the same year. By 2003 6 credit card accounts were maxed out/closed/charged off/and I had lawyers and collection agencies coming after me. I did pay off one loan, but defaultedon the other, and they sued me. So now I have a judgement on my credit report. And they repoed my car, which also spurred the calls from collection agencies.
Most of the time, letters that I got from lawyers were just a collection tactic. Take it from me-I recieved letters from lawyers on at least 5 of those acocunts, and nothing happened, except the collection showed up on my credit report. The time I got sued by the loan company-they just flat out served me papers. Most of the letters you're getting are probably the same one's I got----Yes they are from "The Office of...." and it look's very official, but it's just a scare tactic.
Ask these lawyers to do this: Demand that they send itimized billing of each charge they're going after-down to the date and time it occoured, and what it was for. Say that if you don't get a complete list itimized down to the penny you won't pay. 90% of the time this will get rid of the "lawyer" for good. And these "lawyers" can't put anything on your credit report. beieve me-personal experience. |
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