 Should I cancel my credit card for this reason? |
| I have my credit card all paid off. But they keep charging me these stupid $1 and 50 cent fees! I hear you are not supposed to cancel a credit card because it will lower your credit rating but I am ... |
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 How do I fix my bad credit? |
| I have bad credit. I have already consulted a "professinal credit counseler" but got a half *** response. I am not ready to pay additional money to have someone else fix my problem. I ... |
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 Whats the worst that could happen if I dont pay off a bank loan? |
| My ex-husband took out a bank loan in my name (with my consent) and now that we are divorced I am obligated to pay it and I dont have any money to spare I am living paycheck to paycheck working two ... |
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 Getting a credit card. What are the best deals around? |
| Hi. I need to get a credit card with a limit of about £1000. What would you go for at the minute? I've checked these comparison sites and they're frankly very confusing. UK only please. T... |
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 Should I refinance my home? |
| I have a 30 year adjustable home mortage. I have paid on this loan for 24 years. I have 6 years to go and only owe $13,500 on the loan now. Adjustable rates are on the rise and I am on a fixed ... |
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 Is there a place I can go to view my credit score, instantly? |
I don't want to have to wait for a week to receive something in the mail that I have to enter to receive my score.
Additional Details
I tried freecreditreport.com and had to wait ... |
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 Is Credit Repair really effective and how much would you pay for it if it is? |
| A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit ... |
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 Does one delinquet credit card effect your other cards you have? |
| i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my ... |
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 Does anyone know where I can obtain a free credit report, from one of the three main credit bureaus? |
Without having to do it online (I don't want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.... |
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 Will paying off delinquent credit help? |
| I have delinquent credit from about 4 years ago that i havent touched....Its way delinquent. If I track down the creditors and pay it off how much will it help my credit...Currently I have a 608 ... |
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 Bankruptcy? |
| I have some debt, that I know I will never be able to pay off. Atleast in this century. It's not that I owe a whole lot of money, it's just that I am not the richest person on earth. I have ... |
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 I loaned some one money to buy a boat. This person failed to meet the requirements of the contract. what can i |
| My boyfriends son needed money for the purchase of a boat. I loand him the money and made up a contract with him for repayment . the boat was put up as colateral and I have a lien on the boat. He has ... |
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 How do you manage your credit cards? |
| Just wondering how some people handle there high credit cards amount in order to lower them w/out consolidating! I only have one credit card and the dollar amount really isn't that high it'... |
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 A credit card for a 13 year old? |
| What do you suggest? I'm going to DC in April and I'm bringing a credit card (If I could find one). My parents said I should bring that and cash, because we need to pay for everything thats ... |
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| What can i do to make my credit report better? |
| recently i lost my job and had financial troubles. eventually it led to a cell phone, and one credit card company refering me to a collection agency. now i know it will be on my report for 7 years, ... |
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 Please Answer!!!! Help!?!?!? |
| Wells-Fargo is threatening to garnish my wages concerning a credit card I haven't paid in awhile. I haven't had the money and they have threatened to garnish my wages. Can they do that???... |
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 Cant pay credit card debt? |
I used to live in the UK and moved to US 3 months ago.
My plans didnt work out well and Im bankrupt, I dont have any debts here and can afford just to live on my earning but Im in debth to ... |
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anglecakesalfred | My husband and I have about 1500 dollars in pay day loans help!!? |
He makes good money about 2 grand a month , but we just can't seam to get out of it. We been having this problem for about 5 months. We have tried to get loans from the bank , but get turned down. Please any suggestions of how to get out .
Additional Details
We are barely paying rent , buying food, keeping the light on please help!! |
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cutegirl
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I have never had a payday loan but from what i have read they auto deduct your payments as part of your agreement from your checking account??? so you can't even decide if you want to pay them or not basicly. I am not saying it is ever a good idea to not pay a creditor so do not misunderstand what im going to say next BUT if you can't afford to get food and pay utilities the important things you need to live...close the checking account payday loans draws from and take your money to another account. You need to eat!! Now they are going to charge you outragious fees since you will be bouncing payments but...they already have you stuck now...so scr@w them and make sure you have the important stuff like food!!! Then I would get a part time job or something extra to do and get money and pay them!! But pay as much as you can but on your terms!!! instead of having them steal money you need that month to buy food and have electric!! |
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Belinda
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you might have to get a casual job and ring the company whom you have the loans with and organise a regular direct debit to come out, that way you won't see it in your pay so you won't miss it, $1500.00 is not that much, don't get a bank loan to pay it just work out a better budget, do overtime,etc til it's paid off |
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Expert Realtor
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$1500 is about 75% of your take-home pay in a month.
If you cannot pay for food and rent....that takes priority over any debt.
Call them up, and tell them you need to make a payment arragement and get it in writing.
Payday loans are legal loan-sharks...remember that. |
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Luke D
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The problem is you are in the payday loan trap. It's an endless cycle of renewing their right to charge you unGodly interest. The only way to get out of this trap is to stop renewing that crazy thing.
Think you can't afford to do this? You can't afford not to. Work an extra job for a few weeks, two extra jobs for a few weeks, whatever you have to do. But get out. |
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p106_peppy
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move into a cheaper place
cancel unnecicary things like cable
spend a maximum of $100/week on food.
What do you do? you should be contributing financially also.
$2000/month isnt good money. In my province that's what someone working full time for minimum wage makes. |
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William
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Getting more loans isn't going to help unless you can limit the fees and interest. These pay day loan advances are the biggest scam going. Pay as much as you can each week / month until you pay them off. If you feel that you are being taken advantage of call your state's Better Business Bureau and report them or get advise in dealing with them. |
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smilingtalker_au
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The very first thing the both of you need to do is to develop a budget. There are lots of free budget planners on the net that are useful. When you know what you need to live, look to get all your loans consolidated into one loan. If the banks won't help find a the lowerst interest rate you can find, take the consolidated loan over the longest period you can but be prepared to pay it off early. Don't panic, most lenders are happy to talk to you if things get tight. No more loans and no more credi and no more living above your means, if you can't pay for it out of your budget, you don't get it. |
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Leather and Lace
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Start getting smaller loans. Even if you borrow $50 less each time, you will get to a point where you won't have to keep borrowing. |
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Jacob B
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live like hobos...dont use lights use candles, no cable sat phone calls eating out eating expensive food or deserts drink plenty of water cut back on your air turn your water heater down do less laundry dont water your lawn buy everything used buy things off internet where no tax and its cheaper use coupons take all light bulbs out of sockets but one dont flush everytime put a brick in your toilet tank carpool close blinds all day turn off pilot light on furnace be efficient at everything buy in bulk use banks that pay 5% on savings accounts with no fees use credit cards that pay u money back and pay off every month learn gas and oil trends and buy gas accordingly turn off lawn lights get rid of security system go to liability on car insurance take off extras on house insurance like sewer backup if ur on a hill plant a garden use little water more lawn clippings aournd plants after mowing yard recycle buy generic medicine |
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