 Someone opened a discover credit card account back in 1989 with my SS# I just got a collection letter.? |
| Saying I owe them almost $8400.00 I had an account with $0 balance which I closed years ago. I got my discover card in 1997. How can I have 2 accounts? They say I opened one 1989. They have 2 ... |
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 The only income I have now is Social Security Disability, and I am unable to work. Can credit collections sue? |
| I owe a good bit on credit cards I had before I was disabled. I am now unable to pay them. My social security barely pays the bills. I am being threatened and they are calling my parents, whom I ... |
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 Halifax email: scam or not? |
| Hi I just got an email from halifax saying something about a statement which is funny as I'm not with halifax. Shoul I presume this email is a scam and if it is how, how the hell did they get my ... |
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 What credit card is best for someone who's never had one? |
| I'm lookin though some stuff on credit cards... seeing that I need one. I have some money saved up, I'm 18 and I've never had a credit card before.. so this whole thing is kinda new to ... |
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 I dont have very good credit, no bankruptcy, just a couple non payments adding to $800 can i purchase a house? |
| I dont have any collateral, but I have a great job and can definitely afford a home. What are the steps needed to purchase a home. I am going to be a newlywed in Sept. but my husband does not have ... |
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 How to use a credit card? |
| Say I have $500 that needs to be paid on a credit card. Once the bill comes in the mail does it help my credit score to pay off the whole balance rather than just paying off the minimum payment on ... |
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 Erh. Im soo mad my parents cancelled my credit card!!? |
| Ok,so they cancelled it b.c I went over my limit by 678$ what should I tell them inorder for them to uncancel it?!!... |
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 Does closing a credit card account hurt your credit in any way ? |
Got my first credit card the other day and was wondering whether to cancel it.
Additional Details
My current balance is 32 dollars but i plan to pay it in my next billing cycle.... |
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 Where's my wallet? It's been missing since last Thursday? |
I'm hoping there's some psychics out there.
Additional Details
I looked in the dryer and washer already, and I'd already gone through all my clothes... no dice... Checked ... |
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 How do i find a loan shark? |
hiya
im wondering how you can find a loan shark...? im trying to get a loan but cos of bad credit caused by my ex im finding it hard to obtain a loan for 15,000.
i know what ... |
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 Is this telephone abuse and if so what can I do? |
| is this telephone abuse and if so what can I do. I called the cable company and asked them about my cable, and this girl said if you want your cable like that it on you. then she kept sceaming at me ... |
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 Credit cards after bankruptcy? |
Please do not judge me or post nasty comments about bankruptcy...
My husband lost his VERY good paying job and could only get a job paying about $50,000 less. We got into a bad spot and ... |
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 Should I file Bankruptcy or pay my debt? |
I am about 30,000 in debt, mostly from credit cards.
I was married already when the debt occured but they are all in my name, not my husbands. This weighs on me alot. I stopped paying on ... |
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 Actually, I had an interviewer ask me if they could check my credti??? I just said politely.. Why would? |
| you want to do that?...They explained it is policy and so forth...so my answer was No...I said it very nicely...I was SHOCKED that they wanted to go into my personal business????...My credit is fine.... |
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Rainbow | Is bankruptcy a good idea if your debts are spinning out of control? |
Due to ill health I cannot work. My husband on a very low wage £600 per month in Cornwall. Our rent is £480 a month alone plus £40 electric on top. We don't own but rent, with no hope of ever having mortgage. |
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Dave T
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Depends on what debts you have, before you file talk to you bank to see if they will offer you a bank account following bankruptcy. my friend went for 500,000 pounds not a problem he now has credit cards and bank account one year on. |
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gburnett258
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No, No, No, try a debt management agency. Like C.C.C.S
http://www.cccs.co.uk/
They are really good, trust me.... |
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The chandlers
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Not the best way out,try the consumer credit counselling service(cccs) they are a government run firm so there are no hidden charges for there service. They will weigh up your debts and what you owe your income and will discuss a comfortable amount you can afford each month. They will then distribute the money you give them each month between your creditors. To contact them you can either go on there website at www.cccs.co.uk or ring them on 0845 272 5400. They are great and they listen to everything and there not judgemental,they are in fact very supportive. Give them a call and have a chat,you will feel alot better then .... |
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Smriti
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Yes its a way out but that will mean that you have to lose any hope of getting any bank loand and credit card for a long time to come and perhaps for whole life. |
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churie78
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CCCS are the way to go, I know several people that have used them. It's a charity and a free service, they will contact your creditors, halt interest and help you budget so that you pay what you can really afford. |
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Andrew
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yes - If you cant make minimum payments - you will have to use cash in the future though - things will be done with cash and your bank account chequing account - you will use cheques - this may go on for 5 to 7 years - |
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vic
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I personally feel that letting yourself get into bankruptcy will only make you have more problems. These days alot of people have been reported on the news for financial circumstances regarding mortgages with out a realistic price plan to pay of debts or whats otstanding. I think it would be best if you worked out exactly how much it is you spend and how much you need to pay off. If it mean you and your husband have to cut back on things, just remember its for a good cause. What are you going to do if you become bankrupt, ask yourself wheres the money going to be coming from, what going to happen to your property. Are you going to have to take out more loans if you have already, this wll just escalate into debt problems and you definitely don't want that. This is something you both need to work out but don't panic seek professional advise to help sort the prob before it get even more worst than already is! |
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jimanddan
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Definately not, you wont be able to buy a tin of beans on credit for 10 years I think |
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alphacenturi
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Just watch any financial show on tv and every single one will tell you that Bankrupcy is the absolute absolute last choice.
It will ruin your credit score probably for the rest of your life, Where will you ever get a loan or mortgage without paying 5 times more interest than most people?
You will never be able to start up your own busines, there are so many restrictions when you've been made Bankrupt.
You also need to thing how it will affect you psycologically, there is a feeling of shame, of failure to take into account when your friends, family and your neighbours find out.
You should visit the debt credit council or citizens advise before you go down this road, both are non profit making organisation so you'll get the help for free.
My friend was in massive debt and citizens advice got loads of companies to just write some of it off because they had no chance of getting it. |
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cliffhanger
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No that should be the last resort go to payplan it's totally free and recognised by all the big financial company's visit www.payplan.com do not use the firms advertised on the TV whatever they say about it being free all that is free is their advise they charge for their services payplan don't. |
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Ruth
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Bankruptcy is an option but not one you should take without proper advice. Contact the Consumer Credit Counselling service. Ironically, even applying for bankruptcy costs money.
If your circumstances have recently changed then maybe you should contact the benefits agency in case there is more they could be doing to help. |
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Anon
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It's a big deal, but for some people the only choice (please consider this carefully). Remember; it costs £500 to be declared bankrupt in the first place. |
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S Csparky
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yes if you are out of cont role |
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Phil O' Brien
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How is bankruptcy going to solve your problem of spending more money than you make? You need to have your husband get a better job and you need to find something to do as well.
I suspect you are a slacker and not really in such poor health that you can't do anything sort of work. |
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