 Being hassled by a credit company for a debt in my name? |
that was not run up by me, but by someone who was living there after i moved out!!! this THING is doing my head in they wont leave me alone, what should i do? or what would you do?
they even ... |
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 Is this a good credit score? |
| My credit rating is 710. Is this good?... |
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 Can i be in big trouble? |
| i have 4000 loan and credit card 2000.im leaving a country and wont have job for a while.will i be find and what happened?Im not planning to back.... |
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 Can a creditor go after a spouse after they are deceased? |
| My dad passed away a few months ago. My step mom tells me that creditors are claiming she is responsible for the debt he owed in his name. This is in the state of Texas. They did not jointly go in on ... |
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 Anyone out there received Emails supposedly from Royal Bank of Scotland? |
| They usually request me to update my bank details, I suspect a scam as I do not have an account with that bank also they keep refering to me with different titles. Any info would be ... |
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 Can credit card companies garnish your paycheck for outstanding debts? |
| Chase is threatening my wife to garnish her paycheck. Can they do that with credit card debt? We can only afford the rent and essentials right now but want to pay all our debt in the future.... |
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 Is Capital 1 the worst credit card company? If not, who is? |
| Capital 1 is the biggest blood sucker that I have found. What about you?... |
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 I used my dad's 2 credit card without his knowledge, and we are receiving bill collection calls, what to do? |
| My dad never used those 2 credit cards he just bought them coz like he said they were asking him to get it . I used it to become online member for online game RUNESCAPE for 2months, one month each ... |
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 I applied for a credit card, but have since changed my mind? |
If I get approved, do I have so many days to change my mind and refuse it? Or do I have to accept it and then cancel it at a later time?
I don't have any credit cards and in a moment of ... |
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 Buying stuff online with credit card? |
| if i buy sumtin online would the persons that i use credit card find out the place i ordered it to? like if i took my bros credit card and bought a jabbawockeez mask and put my friends adress down ... |
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 Need a credit card with a high limit but I have bad credit? |
My credit score is 506 and I am traveling to Germany but I need a credit card with at least a $2000 limit or more to pay for my airline tickets.
Additional Details
I only have bad credit ... |
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 What do you do with unsolicited credit card offers? |
I find them potentially dangerous. Yet I still get them despite having OPTed out at the credit bureau.
I usually send back the prepaid envelopes over-stuffed with junk mail. What do you do?... |
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 About my credit report? |
How can I find out who I owe money to and how to pay them back?
How soon after I pay off my debt til my credit score improves?... |
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 Why do employers require a credit check? What exactly are they looking for? |
| Why do employers require a credit check? What exactly are they looking for? Will a recent bankruptcy keep me from being hired?... |
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 How do you mail money? |
| i ordered somethin but i dont have a credit card or check so i checked money order. but i heard if u put money in the mail, peopel steal it or the mail comes right ... |
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 I was a passenger in a car that was rear ended, the car that hit us was insured, why am I responsible? |
| This incident happened in January of 2004. I was in the car with an Army recruiter, and the car was rear ended by a truck, It was the driver of the truck's fault. Well I went to the hospital ... |
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 Which credit card is best for me? |
| I'm a college student and I have never had a credit card. I want to apply to one but Im not sure which one would sute me best. I have known that some credit cards will charge just for having ... |
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 Does it help my credit score to payoff a charged-off credit card from 5 years ago? |
| Long story short, I was young and stupid, and let a $500 Capital One credit card bill go to collections and never paid it off. Now, of course, it is damaging my credit report. My question is not ... |
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mpolmankc | I have a total of $10,000 debt with like, 4 credit cards...can i consolidate? |
I have ripped up all credit cards but i feel like im drowning in 10,000 over me. Is there anyway or anyone who will give me (i have not so great credit) a debt consolidation loan so that i only have 1 bill a month rather than 6 minimum payments?? Thanks in advance. |
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flasteve
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You could try www.prosper.com or try to consolidtate onto one credit card that offers good balance transfer terms.
Check out http://preferred.ecreditdirectory.com/categories/balance_transfer_credit_cards for a list of balance transfer cards... |
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Milton W
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Before you proceed, check this out.
http://www.daveramsey.com/the_truth_about/debt_consolidation_3035.html.cfm
Look at the other resources on the website and consider submitting an email or calling the show. He has helped many folks. Take care. |
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READER 1
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I would take your card with the lowest balance and pay it off. then work on the next one until you have them down to where you have a manageable balance. Do not charge anything else. When you get them down pay off the whole balance each month. |
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perfectlybaked
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I'm about in the same boat. I tried to consolidate, but for me I had to have enough credit on the one card I would've used to put my total debt on. For example, $4000 credit to consolidate $4000 total debt and reduce interest. For you it may be different, though. |
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joyceeleann
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I'm in the same situation...Debit consolidation companies don't really work. You can tell your bank your situation and have them combined them on one card for a high rate and then ask them to have the payment automatically withdrawn from your account. Also, you may want to try to sell off some items or even get a part time job. 10,000 really isn't that much and can be knocked out if you really buckled down. |
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how many days left till?
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go to ur bank they can help you......
good luck |
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heybulldog
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another vote daveramsey.com.
go to his website and listen to his radio show. He has lots of good advice on money and debt. |
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Cindy C
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Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan<!--allows you to condense your monthly payments into a single, simple bill, while lowering your interest rates and helping you pay down your debts more quickly and easily. It is also an essential tool in avoiding the much more serious step of declaring bankruptcy.
http://badcredits.awardspace.com/Loan-Consolidation.htm
Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several-->old loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail. |
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djkree5
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my tip, and this is how i got out of the same situation, go to finance.yahoo.com, and there are TONS of ways; from figuring out who to pay off first, to who to pay the most.
DO NOT DECLARE BANCKRUPCY, THERE IS ALWAYS A WAY, I WORK AT A BANK AND I RATHER GIVE A LOAN TO SOME ONE WHO DOESNT PAY ON TIME THAN TO SOMEONE WHO DECLARED BANKRUPCY. DECLARING BANKRUPCY FOR A LENDER MEANS YOU WILL NEVER PAY IT, WHERE AS BEING LATE ONLY TAKES YOU TO COLLECTIONISTS WHO YOU CAN PAY OVER TIME AND GET THEM OFF YOUR REPORT SOONER |
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Wood
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yes |
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wahini on shore
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You are better taking out a personal loan from your bank and paying them all off , and canceling the cards after that and never get one again. If you can obtain a loan, and your credit score is exceptional, you could pay interest between 5.5 and 7.99 % |
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biskio
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Consolidation is the best solution available to the credit cardholders to improve their future credit. People go for debt consolidation for many reasons: prolonging the loan period from 5 - 15 years and reducing the interest rate. Consolidation allows you to go for a loan with lower interest rate than the one you are currently paying. Besides it simplifies the loan repayment as you are paying only one lender in place of various payments to different lenders. |
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confucius
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I'd suggest seeing a credit counselor in your area. There are some who are non-profit who can assist you in consolidating your loans and may even be able to reduce your payment amount. |
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elmerfud
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Chapter 7 bankrupcy, your credit is screwed anyway if you are only paying minimum payments. You can clear bankrupcy from your credit faster than you can pay off these bills with minimum payments.....No Crap........###### |
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Kathy J
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Prosper will!! |
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