 What credit crunch/recession? |
If everyone did not watch or listen to 24/7 tv/radio to doom and gloom reporting on finance would they:
Just go and buy that new car.?
Have that house Extension built,?
Move house?
... |
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 Credit score of 784 is it good? |
| What does the score do for you?... |
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 Anyone ever been sued for credit card debt??? |
Whats the process like?
I owe capital one $4,000. I will probably have to file for bankruptcy to dodge them or take a vacation out of the country for 5 yrs...... |
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 Best Credit Cards? |
| I have a credit score of 734, Im only 21 so my accounts haven't been open that long. Capital One gave me a fairly large credit line, but i haven't activated it yet, due to the fact that CO ... |
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 I am really scared. I got a number from "2299855545". I feel like it was a scam? |
| They said I won stuff and I will be entered in a drawing. I gave them my Card # and 3 digit # on back, and expiration date. Should I cancel my card?... |
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 $ 20,000 in credit card debt do you recommend I file Ch. 7 bankruptcy??? |
| I had 14 different credit cards charged off 2 years ago for a combined $20,000. The statute of limitations in CA. is 4 yrs so after 2 yrs i finally got a letter from an attorney threatening L... |
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 Bank harassing me over debt and threatning urther charges? |
i have a loan with the bank of scotland. i have had to stop payin it due to financial circumstances and having to help save my home.
i have co-operated fully with the bank from the start ... |
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 Is it better to pay in full each month or 50% of the bill each month? |
| Hey everybody here is my question: I have just been approved for a small business credit card, and i need to spend about $4,000 in office expenses as part of our startup costs. Is it best to pay this ... |
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 Collection Agency calling...? |
| If a collection agency is calling but nothing appears on your credit report from the agency about a debt...What can/should you do?!?... |
|
 How do I get a loan with a bad credit rating? |
| I lost my job 2 years ago when my contract ran out and unfortunatley was not re-newed. Most of the credit I had was the ususal - credit cards and small loans. I struggled to keep up the payments on ... |
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 Credit card debt and new baby on the way? |
| I know this sounds like a CRAZY question.... |
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| Can a second signor on a credit card be held responsible for unpaid balance? |
| My husband had a credit card in his own name that i knew nothing about. He addes me as a secondary signor on the actt, also without me knowing. We since were divorced and both responsible for our ... |
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 How do a person clear up there debt? |
| How do a person get good credit .... |
|
 What does "going legal" mean when you haven't been able to make a payment on a lease? |
| I'm 4 months behind on my GMAC lease today (due to medical problems). I called them today and they said if I don't give them at least 2 months payments, they will "go legal". I ... |
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t | Is credit counseling a good idea? |
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 |
 
bor_rabnud
 |
Yes it is. |
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blackratsnake
 |
it's great if you have major trouble with debt |
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Luckys Charm
|
yes as long as you dont let them talk you into consolidation |
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stopccdebt
|
Credit counselors do more than just help you deal with debt, as long as you find the right agency. Look for an established agency that has a satisfactory rating with the Better Business Bureau. You want to make sure they are free of an unusual pattern of complaints.
Credit counselors can help you review your credit reports, develop a budget and find a strategy to improve your financial standing. They may recommend eliminating debt or increasing your savings. If you are deep in debt, a debt management plan can be developed to drop your interest rates and reduce your payments. |
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Iberostar
 |
Generally it is.
When you have decided to work with a counselor to decrease the size of your credit card debt you it is expected that you will follow a very specific plan. During the consultation, you and your counselor will go over your credit card balances and determine how much debt you have incurred and the methods you can use to eliminate the debt. If you choose, the counselor will begin by calling the creditors on your behalf and begin negotiating for lower monthly payments along with stopping the rising interest rates and/or any fees that are associated with the account. Most creditors will agree to this as long you are diligent to the plan set forth by the credit card debt counselor. You should know that once you enter a plan to eliminate your debt you will no longer have access to the credit accounts.
Once the counselor has finalized negotiations with your creditors, you will then work out a payment method with the counseling agency. Instead of paying several creditors each month, you will now only write one check to the agency who will then distribute that payment to your creditors. You will still receive monthly statements and it is important that you review them to verify they are receiving the monthly payment that both you and they agreed. If you see a discrepancy, contact your credit card debt counseling agency immediately to rectify the problem.
More info on credit couseling -
http://www.travel-plus-rewards.com/credit-cards/
http://www.travel-plus-rewards.com/ |
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pfund2233
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Yes, but it depends on the company. Research the company first. Most consolidate debts and reduce intrest... but they charge a monthly fee for them selves as well. ($30-70) But maybe worth it if your only paying min. payments. |
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ewtaylor2001
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yes |
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granola.tree
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It can really help a lot of you have tremendous debt. If you are less than 5k in debt, i would suggest calling your creditors directly to make managed payments, as credit counseling can lower your credit rating somewhat |
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Loren T
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Yes it is! However beware of the companies. You need to do your homework. Check with your local United Way they should be able to refer you to a true non-profit credit counseling service. You can also check with the Better Business Bureau. Beware this is a new area for people to get scammed in. Just do your homework first so you don't end up in a worse situation than what you started with! |
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TIMOTHY D L
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Sometimes, if you don't have a plan or the will power to follow a plan, they take most of the responsibility away from you.
They are good at getting all the excessive charges taken off. You can do that yourself to, but it takes some will power! |
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