 How do I lower my interest rate on an account that was closed by the credit card company? |
| I received a letter in the mail stating that CHASE- credit card company decided to close my account. Although I've never missed a payment, and actually have another account with them, the reason ... |
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 If you pay off something in collections- how long does it take to raise your score? |
| Because my dentist office sent a bill to collections for a measley $51 (this bill was due to not calling them to cancel an appt- i had forgot) so, I never thought they would turn it into collections- ... |
|
 Need some help with paypal? |
| might have asked before. but need some good help. i have been selling stuff on ebay. and when the money goes to pay pal. usually takes a few days. but when it does get there. i want it to go into my ... |
|
 Bellco Credit Union insufficient funds charge.? |
| I was charged $31 for a $1.80 over my checking account. What do you think my chances of getting that charge dropped are? My brother got out of an over 400 dollar insufficient fund charge (kept going ... |
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 Does ANYONE make money online doing something..everything seems to be shady? Please let me know.? |
Additional Details
I have good income, just want extra to take a few more trips home due to us being in the military..just looking for something extra.... |
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 Trying to improve my credit score? |
| I just paid off all of my credit cards (roughly $1500). I now have a total of three credit cards with no current balance due. Just wondering how much better my credit score had become I chose to ... |
|
 how long can you wait before PAYING for an item that you have won on ebay? |
| hello, i won 2 tickets to see Slayer On June 3RD. i cant pay until 1st June (3 days time) will it be ok if i dont pay until then or MUST i pay today? i won the item about 10 hours ago, it was a buy ... |
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 I loaned 10K to my friend using my credit card? |
| He managed to pay half way, he still owns $4,500.00, last year he failed to pay one month, I did pay that for him to protect my credit, now back in May 2010, he failed again, I sent him a letter with ... |
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 Overdraft fee? will it affect my credit score? |
| I bought deodorant and didnt realize that my checking account became overdrafted (by two dollars). I recieved a letter in the mail saying that my checking account was cancelled and that I now owed $16... |
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 If I spend all that's on my visa debit card in one day can I avoid the monthly charge? |
| Ok so long story short; My dad went to the local CVS store and got a visa debit card thinking it was a giftcard (he put 20 dollars on it) and I just found out that it has a 5 dollar monthly charge on ... |
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 What is a good prepaid credit card for me? |
| i am 19 and want to get a prepaid credit card to establish my credit. What is the best one i can get. I know a lot of online sites are scammers trying to get your information...... |
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 How do i use a visa gift card at amazon.com? |
| i want to use a visa gift card but when i tried u need a name on the card to match the name on the billing adress so what do i ... |
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 Which credit card should I get? |
| I have a credit card currently with a $3000 limit and no balance but I wanted to close that account because they changed the terms and conditions, making it a higher interest rate, high annual fee, ... |
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 Are There Any Online Programs That Offer Legit Rewards? |
| I want to know if anyone knows about any online programs such as Open Mind Indoor Common Sense, or Amazon's MTURK program that offer rewards for work put in. I already know about most survey ... |
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 How do i add credit in my paypal account? |
| I have made my account in paypal but the credit was zero 0 in my account so how do i add credit in my account so whenever i shop online i use my paypal username and password to pay without sharing my ... |
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 If i use paypal account to shop online then paypal pay using my credit card number then why should i use it? |
| I want to make an account but im confused cause when i try to make an account of paypal they asked me to put my credit card number into it so if they pay what ever i shop online from my credit card ... |
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 How Should I Settle This Credit Card Debt? |
| Long story but I had a Capital One Credit Card with a limit of $3000. I ended up not being able to pay the bill. I was swamped with other bills, and since Cap One insists on calling me 20 times a ... |
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 Does paypal show your address when people purchase from you? |
Hi,
I am thinking of setting up an online flash banner design website and business and as a limited company. Because its a service when people purchase from it via paypal will they still see my ... |
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Keyshia D | I want to get my credit together so I can buy a home, should I file bankruptcy? If so, how? What should I do? |
I'm 23 years old and I am in $30,000 worth of debt. That includes a repo'd car, a default school loan, and some $500 bills here and there. I've never had a credit card and as crazy as it sounds, my mother use to use my name to order off the home shopping network and for her utility bills. I have tried to dispute it but with no luck. I just want to start off fresh. It will take FOREVER to pay off that much debt. So should I file bankruptcy? What chapter? Any advice? |
 |
 
Lydia
|
http://diylegalinfo.com/bankruptcy_Links.html has a lot of information on bankruptcy questions, how to handle them yourself and other information. |
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STEPHANIE
 |
Well the school loan will only be paid if it is a private loan not a federal student loan. I would suggest not filing bankruptcy (it would take 7 years before you could purchase a home). Yes, you have a lot of bills but if you call the bank that repo'd your car they will work with you to make a very tiney monthly payment which will show on your credit that you are paying this debt. There is no easy way out... just pay your bills little by little. If you do decide to file .. .remember that bankruptcy is very expensive so you need to save up for your attorney fees etc... |
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Mike
 |
You need a free bankruptcy evaluation by a local attorney. Id call Total Bankruptcy toll free at 1-877-530-8616, they will point you in the right direction. |
|
Joel
|
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To Apply, you can contact us via email out. .with the above information Joel_keneth@yahoo.com |
|
bdancer222
|
$30K in debt including a repo car and student loans ... I suspect that the bulk of that $30K has nothing to do with debts your mother created in your name. If you are not willing to prosecute your mother for ID theft, you will have to pay those debts anyway.
There is no way you are in any kind of position to buy a house. Not only will bankruptcy further damage your credit, but those student loans probably won't be discharged in bankruptcy.
What you REALLY need is to learn some better financial management skills. Check with a credit counseling service for some help with budgeting: http://www.nfcc.org/. Since all your debt is defaulted, they probably can't help you with a debt management plan. |
|
D J
 |
You should check with a credit counselor. Contact www.nfcc.org for help. If you have student loans they may no be able to be wiped out by bankruptcy & a bankrupty stays on your credit report for 7 years. In order to pay these off you need a plan, even if it involves reporting your Mom to the police for fraud in using your name & credit.
Good Luck |
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Ryan M
 |
First off, bankruptcy will do NOTHING for your student loans. You do not get a free education at the expense of the tax payers. Second, bankruptcy will DESTROY your credit for MANY MANY years. Either way, filing for it or not, you are many years away from being able to buy a house. You cannot even afford your CURRENT bills...what makes you think that you can afford a mortgage, property taxes, homeowners insurance, PMI, maintenance, etc...ON TOP of everything else. You are FAR away from being in that position. |
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Judy
|
Step one:
Get your credit reports at
annual credit report. com - print out all 3 reports
Take them to the police station and file a police report against your mother.
Mail the police report along with a dispute of the item.
The item will be removed instantly.
The police will deal with your mother and make her pay.
If you don't want to get your mother in trouble for what reason - after she destroyed your life.
You must pay off this debt. Bankruptcy will ruin your credit for 7 to 10 years.
Employers check reports, so do landlords, and car insurance companies.
If you want to pay get a book on Debt Repair from your bookstore.
Worth it's weight in gold.
It will teach you how to negotiate, settle, and set up payments.
Or contact
NFCC.org
It's a non profit government agency that will help you at no cost.
Go to the website - call the 800 number (not email), and make an appointment at a local office today.
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