 I need to get the last 4 digits of my deceased grandmothers social security number,? |
| my mom just passed and she has a credit card with my grandmother name on it, my grandma passed away 2 yrs ago, and they wont let me cancel it without knowing the primary account holders (my grandma) ... |
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 The REAL answer on paying off collection accounts? |
| I have read that you should not pay these off, especially if they are close to coming off your report, becasue they will "re-age". Is this true? Also, can you have an entry for the ... |
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 Repo, after divorce, car in both names? |
| The judge said she got the car in our division of property Feb. 2002 . I made car payments till May 2002 because my contact info was the only they had. My-ex and I didn't talk for those months, ... |
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 HELP! I just saw my credit report and I'm not happy!? |
My rating is barely above 600! Does anyone know how I can boost my numbers, I would even be happy with 675+
Thanks!!
Additional Details
U guys ALL rule! I haven't touched ... |
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 Will Hotels accept a Prepaid Credit card such as the "wired plastic prepaid VISA card"? |
| I just got a prepaid credit card to help me establish my credit. Its seems like a better option to just "load" how much money you want on your card, but has anyone had any problems with it ... |
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 Credit History? |
How quickley can you improve your credit rating if it is not really that bad?
Additional Details
I missed 4 payments about a year ... |
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 I co-signed a loan several years ago & the signer never paid. do i get stuck with paying it? |
| the collection agency is threatening wage garnishment. how can i get the original signer to pay? i can't afford to. the signer claims he can't pay it back either.... |
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 Credit Card Debt? |
| I have credit card debt in excess of $4000. Do the ads you see on TV for relieving one of credid card debt work? Or am I better suited to just pay it off?... |
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| I need another credit card fast, what can I do? |
I have 3 credit cards with $500 credit each. I want one credit card that can hold $1500 instead. what can I do? Are there offers or promotions anywhere that guarantee you pre-approval?
T... |
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 I see alot of people in debt including my parents... How do i not be in debt when I grow up? |
| Im 14, and i need to know how not to get my self in debt. or is it even possible to not be in debt. could u help me.... |
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 Is it possible to reverse the process when a creditor/company forwards an account to a collections agency? |
...meaning that the collections agency would give the account back to the creditor/company that one has an account with.
If so, how?
If not, how can one protect his/her credit ... |
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 Is balance transfer to a credit card a good idea? |
| While I was a student I've accumulated about $6,000 of credit card debt. (mostly to fill in the budget gaps while going to school). And currently paying the balance down little by little. But ... |
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tixtickets | I owe about 10,000 in credit card debt with no assets. can i file for bankruptcy? I simply cant make ends met? |
I was on disablility, while working so i had additonal income. Now SSI says I am working too much, and they have stopped all my benefits. But with the income I make I can't seem to make ends met. I have no assets, no car, home, ect.. can i file for bankruptcy? Thanks for the help |
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Carli W
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I don't know about bankrupcy but maybe if you contacted a debt relief counsler or a consolidator they can get the payments and interest rates down so that you don't have your credit ruined by a bankrupcy. |
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fullblastus
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One consideration. When Dubya took the helm, one of the first things he did was push for Bankruptcy Laws revision. There is no close the books and move on. No, you will enter into an agreement to let the court supervise your closing those debts, and they require paying $100 / month for 5 years. The law is called something like "The Bankruptcy Abuse Prevention Act". Makes me think that somebody must of have bilked Dubya's daddy out of some money and so the boy wanted to avenge his daddy.
If you care, you can call the credit card vultures and tell them you want to surrender the card and sign a promissory note. That way they stop the late fees and interest. Otherwise, you can wait until the card companies sue you and the court will garnish your wages and/or benefits unless you live in Texas or Florida. |
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michinoku2001
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Yes, you can file for bankruptcy. Your SSI can't be touched in a bankruptcy settlement. You don't really have anything to lose in your case. You could also go into debt management and settle for a about 50 cents on the dollar. Either way your credit rating will suffer greatly-but that's moot if you don't have the income to service debt in the first place. |
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Lesley
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I don't see why not. You should consult a bankruptcy attorney. I wish people would stop claiming you don't get a discharge. You DO still get a discharge. Bankruptcy still does what it is supposed to do, it just requires more paperwork. |
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SlimMick
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Every state has a "means" test to see if you qualify to file for Chapter 7 bankruptcy...the type that discharges most debt including credit card debt....Being on SSI as your only income would almost certainly mean that you qualify.
$10K isn't a catastrophic amount of debt....If your accounts are seriously past due you can attempt settlements at the 50% range...so that could drop your debt down quite a lot. If you do this, get all terms IN WRITING FIRST prior to paying....
I think that Chapter 7 should only be reserved for a true financial emergency. I'm not sure if your situation qualifies for one.....If you do file, just remember that you can't file again for around six to seven years....so if you get into worse financial trouble in a couple of years after filing, you'll be in really bad shape.
I'd recommend calling your local Red Cross for a referral to the local Consumer Credit Counseling Service. |
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cssinclair
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My Company can settle your debt and save you 60% call 888-5-Debt-Pro |
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Bonnie C
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Try a debt reduction program, they usually get rid of the accrued interest, you still pay the basic debt back and you're debt free in 24-30 months, for a pretty low payment. |
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Gregory W
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any debt consolidation company will leave a black mark on your credit rating. For all intents and purposes, it will be considered a bankrupcy.
I doubt that you need to file bankrupcy.
Can you get a second job?
Can you work with the CC co's about working out a payment plan?
Can you create a budget and live within it?
No need to wreck your credit over 10K.
check out this web site. I am not affiliated with it at all. It just maybe helpful for you.
http://www.daveramsey.com/ |
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Micah
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Bankruptcy is not different than stealing. You need to call your credit card company explain you are having trouble making the payments and they will work with you by either lowering your interest rate, lowering your payment or both. |
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