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 I have about $6K in credit card debt. I was thinkin of gettin a personal loan to pay off the cards, good idea?
I am a 25 yr old male with a good job. I am not having trouble paying for the two cards I own, however I am thinking that the rate on my personal loan would be significantly lower than my two credit ...


 How can i get a loan?
i am kinda in a bind here. i need at least $ 7,000. i dont have any colaterial. how can i get a loan? should i just go get a credit card? i have a good job and i belive in paying off all my depths so ...


 I gave someone a cheque on the 26th, my money goes in on 29th will it clear?
...


 How does a credit card work?
Im 18 and thinking about getting a credit card. I do have a job and such. Is it a good idea? I was going to get a car for around $3000. Should I use a credit card? How does it work?...


 What will look better on your credit report...?
Hello all,

Here's the situation:

Several credit cards are late and now in collections.
Creditors have been calling for months now.
Currently credit report has ...


 Can a 18 year old wtih no credit get a auto loan?
I'm turning 18 soon and I want/need a car, I have a job but I dont have enough money saved up for a car I want. Is it possible for me to take out an auto loan for like 10 g's? No one will ...


 How do banks decide if u can have an overdraft?Do they cred check u or just go by how u have used ur account?
What sort of system do they use? If anyone knows please let me know :)...


 My dead dads loan?
my dad took a loan out in 1992 it was passed on to the recovery department of natwest he payed it off at £250a month i dont have the money to pay it off as theyre is still £8241 left to pay but i ...


 Best way to build up your credit.?
...


 Is a credit score of 716 good for a 32 year old guy??
I AM PLANNING ON BUYING A BRAND NEWCAR AND I WAS WONDERING IS THIS SCORE A GOOD ONE ....


 Can I use Visa debit card for online shopping? What is the difference from Visa credit card?
Can I use Visa debit card for online shopping as same as visa credit card??I am experiencing some difficultis on some online shopping site, and I am wondering the problem might from the card....


 What happens if a person doesn't pay his credit card bills?
just curious to know....


 How many bad checks before going to jail?
bad check ...


 How do i build up a really good credit rating?
...


 I have a question about using someone else creditcard??
I need to buy something online and i know you need a credit card.. soo I'm wondering if i can change the name it will be send too?
Cuzz i want to make sure my mom doesn't open it.. And ...


 How can I raise my credit score?
I'm 29 and have no outstanding debt other than student loans, which are in repayment and on time (always have been.) I've had a few accounts go to collections in the past, but never for ...


 Non payment on credit cards consequences????
I just found out that my dad payed for mine and my brothers tuition fee by charging them to his credit card and incurred circa $250,000 worth of debt through various credit cards that he's not ...


 Is there such a thing as a pay as you go credit card?
Is there a card that you can keep putting money on it and use as a credit card, like for on line purchases? Or to give to a place where they want credit card info, but you don't want to give ...


 How do you get an apartment with horrible credit?
My friend is moving into her new house at the end of the month and her roommate is having a hard time finding somewhere else to live. My friend just found out that this roommate has terrible credit. ...


 I placed an order for a prescription online. I never got it. My account was charged. What can I do?
2 weeks ago, I placed an order for a prescription with an online pharmacy. I never got it. My account was charged, but my online order status says "Pending" when I check it. (Not shipped) I ...



Leela
I have a debt collector calling my parents house asking for me... Anything I can do?
My poor mother now knows i'm in serious debt and I feel terrible. Heheheh but it is kind of funny for some reason. Thanks for any answers.
Additional Details
Ah, my YA friends, if I had the money I would pay. You guys never fail! Let's rephrase the question (as I always do after receiving 10 or 20 angsty answers) "Besides paying off my debt, WTF else can i do? LOL. Have a good one guys, and try to relax a little.
                     
 




Frank
First off. Get help. If it is credit card debt, go to Consumer credit Counseling to try to get your issue resolved.

Second, inform the bill collector that you do not live at your parents house, so they will stop calling there.


SPIFIMAN1
Rating
First send the a cease and desist letter registered mail return receipt requested, this will stop them for contacting you any other way except the U.S mail.

I have posted a link at the bottom so you can look up the forms.


http://www.bcsalliance.com/index.html


Chris
Rating
A written letter sent to collectors will legally require them to stop calling. Cut up those cards!!


KING JAMES
Rating
Call them and tell them not to contact you there anymore. Tell them you would only like to communicate thru mail and thats it. Know your rights.


mauriceinmiami
Rating
send the collections agency a letter advising them that you are unable to pay and that you will contact them when you are ready . Tell them that according to the Debt Collection Act you know that they shall not contact you by phnone and they cannot harrass you threatning you or posing as attorneys. It works like a charm.
Att.
Someone with really bad credit


mystic_eye_cda
Do you live with your parents (not being offensive). If you don't live at the phone number they are calling it is generally illegal for them to continue to harass people at that number once they have been informed you do not reside there. Of course local laws all differ -but most places do have laws governing what debt collectors can and can not do. Debt collectors are also generally limited as to the number of calls they can make per day.

Even if you can not find a lawyer look up the law yourself, if you can't understand the law try to get some help. In any case knowing your rights and quoting the appropriate laws usually helps in these situations.


Mandy
Rating
Next time they call your parents home have your parents say you no longer live there and then they can give them a number to reach you...or an address...something and then tell them that there is no reason for them to call the house anymore and they expect to not hear from them anymore!
I had the same problem when i moved away from home...
But pay those off...it will hurt you in so many ways in the future...those collectors are crazy!!! Im not even joking just pay it off and get those people off your back and moms...


scdiva79
That company probably broke the law when they called your parents house and told them they were calling in an attempt to collect a debt... Your debt owed is between you and that company... If you can work out some sort of payment arrangement of course that is the first option you should try... Either way they should not be disclosing personal info to your parents... If you want an attorney to write a letter for you to the company or make a phone call on your behalf about this matter, try Pre-Paid Legal Services... www.prepaidlegal.com/hub/
ewalker803

P.S. I'm by no means an attorney so you should always seek proper legal counsel...


jenel c
Call them and give them your #.


Caring girl.
Rating
Get professional help with your debt.


Paul V
Rating
Pay your bills and quit having them hassle your parents!! Take responsibility they don't deserve to be treated like that !!!


chipjet
Rating
Pay off your debt.


nandina221
Rating
Stop being a freeloader and pay your bills!


time to move to google
pay


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