 Credit counseling or debt consolidation? so confused!!!? |
| my husband and i are in credit card debt 35,000.. medical bills around 1,800 and school loan about 5,600... we are paying them all the minimum and killing ourselves doing so. we both work and hard to ... |
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 What's the best way to improve your credit score? |
| Hi. I'm a 22 year old college student and I've had my fair share financial struggles topped with poor responsibility, but now I'm wanting to build for my future. I've torn my ... |
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 What is the difference between good debt and bad debt? And could you give me expample of each.? |
| I just read somewhere where you can make money off your good debt. I just wanted examples of this.... |
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 Capital One credit card? |
| I used to own this card about 5 years ago. i was late on payments and they had put it to a collection agency. paid everything about 6 months later. this really ruined my credit. now theyre sending me ... |
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 Social Security Numbers? |
| So I'm sitting here with my girlfriend, and her sister - and we want to know how they come up with your social security number? Like why do some start with 364, or 593 or 591??... |
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 What are some good low interest credit cards? |
| and which type should I go with? visa, mastercard, discover....is one a better choice than the other?... |
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 Is there a way for someone on disability and has bad credit to get a personal loan? |
| i need a loan and i have no income except for my son's disability check and help from the state and i have bad credit is there anything i can ... |
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 Bankruptcy question? |
| i am contemplating filing chapter 7. i have an investmemt condo in miami in my name and my wife's name. will this be exempt from my creditors? ... |
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 Is it good to have a balance on your credit card? |
I'm new to credit cards.
I was always under the assumption that paying the full amount that you put on your credit card that month, at the end of every month (right before the due ... |
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 I'm 48 . Is that too old to start getting a Ph.D? |
| I mean most people my age are thinking of retirement. I feel like Rip Van Winkle.... |
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 Need help dealing with a collection agency? |
| These big Turds from Allied interstate collection company is calling my cell phone every hour looking for my wife. They are trying to collect a credit card she stoped paying 10 years ago in ... |
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 I checked with 2 credit scores sites. my equifax fico score is different. one is 518 and the other is 621 ,? |
| how do i know which site / and score is correct. i think this some bulls*** , unless someone tell me otherwise. please help me let me know, also what can i do to get credit score up. i have one line ... |
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 What credit card can I get if I have bad credit ? |
| I have bad credit and need a credit card. I need one that I can use to withdraw funds from the atm or use to make a money order. This is to pay my rent thats why I need either the cash or the ability ... |
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 Is this a scam? |
| someone claims to be a gov't official and wants to give me a $5,000 grant that i have to never pay back because i'm qualified. All the info he wants is my bank name and bank account #. He ... |
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 What is the best credit card for college students? |
| Can anyone tell me what the best college student credit card is? What's usually the credit card limit for students? I'm planning to get it just in case I need it when I go to South Korea ... |
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 Would you live in a van for 3 months to become debt free? |
How about in a small car?
Author and millionaire Robert Kiyosaki (sp) wrote that he was living out of his car for awhile.
Additional Details
Maybe 6 months is more realistic.... |
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 How can I remove charge off's from my credit report? |
| Can someone please advice some good advice on this matter.... |
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 Can I legally do this? |
I have a paid $10,000 federal tax lien on my credit. The IRS placed the lien on there last year and just a few months ago, I was finally able to pay them off. On my credit it shows as released.
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Domonique | I have really bad credit but my husband has excellent credit, a few creditors called? |
and said that they would put a lean on my husbands house (its only in his name) would it be best for me to bankrupt $20,000? |
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ZinaRae
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First of all they can't lien the home. It's not yours. But you do need to take your financial responsibilities seriously. Better make arrangements to pay off your debt. Good luck. |
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The First Lady
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I would check into this more in depth. The house might be untouchable since its your debt. Did your husband have the property prior to your marriage? In some states, property/assets obtained before marriage belongs to the sole individual and only property acquired during the union is joint. With that being said - I don't know if the creditor can rightfully place a lien on his property if he had it before he had you. Now if the house was acquired after marriage and bares only his name - then there is a possibility for a lien to be executed. Check on the laws of your state.
Creditors are not above saying anything and everything to put fear in a person so check further into this issue. And perhaps try working out a repayment plan to get this debt resolved. But remember whatever you do from this moment forth - try to do it all in writing. If the creditor agrees to a term of repayment...get it in writing. |
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Mr. Guy
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Don't get involved in phone discussions, especially where large amounts of money are involved. Any legit place, or collections agency, will communicate the issues in writing to you. |
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San
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Try to settle with them if you think you can pay. Can you take a loan on your house (secondary loan) and pay the Creditors. |
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Jennifer5000
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You can file bankruptcy separate from your husband only if the bills were incurred before the marriage. Otherwise, you will both have to file and you will ruin his credit also. Talk to a bankruptcy lawyer and see what advice he/she gives about filing. I'm not sure if they can put a lien on your house, but the lawyer can answer that question also. |
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Louie
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I don't think that they can put a lien against real-estate. But the laws vary from state to state. |
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adayshc
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Bankruptcy is a coward's way out of obligations you took the responsibility for when you incurred the debt.
This is another pitfall of the marriages where there are "HIS" and "HER" bank accounts. For God's sake, you're married and in this thing together. You should both work to pay off this debt and forget about looking for ways to skip out of it.
Go to a credit manager where they will teach you how to budget and be responsible with your finances.
This is no way to earn 10 points but it needed to be said. |
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ronnlynn
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When you are married, so are your finances. Though the house is only in his name, your credit histories are linked. You should seek help from a credit counselor who can talk you through what options might be available for you, maybe even a debt management plan. |
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