 How can i improve my credit? |
| I'm paying off credit cards and seems not to work much. I want to pay the little debts from my file and work myself up to the bigger debts.is having thos credit cards that have a monthly fee to ... |
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 I have $100,000 credit card debt, what is my best option? |
| I owe $100,000 on 3 credit cards. My minimum payments total a little over $2000 per month. I am not behind on payments yet. I am only getting charged an average of 9% APR right now. If i miss any ... |
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 Is it true that "piggybacking" will be no more, as of next month? |
I have a fico of around 620. My dad has agreed to add me to some of his accounts to "piggyback" (is that the term for it)?
Additional Details
Piggybacking is what I've ... |
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 I want to know can you get visa check card with bad credit? |
| without being member at a bank.thank you everyone who anwer this question and only legimtae secure sites no scam ... |
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 Cant get approved for a credit card!? |
Ok, im 18-
and looking to get some credit here.
I will pay on the card, the TOTAL balance, every month. I mean
im just gong to put gas on it .. or food, ya know. Well anyways.
... |
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 Debt Consolidation...? |
| Does anyone have any advice on debt consolidation? I want to learn everything I can about it before I take the leap to do it, what are the best companies, pros and cons...stuff like that. I haven�... |
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 Can a visa gift card.........? |
| can you use a visa gift card to book a hotel?... |
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 If I lied about my age and recieved a credit card when I was 16 am i responsible for paying them? |
| I applied for 2 credit cards in my name when I was 16 and of course I didnt realiize what a pain it is to pay on credit cards. I had a bank of america and Dell credit card. I used it for college but ... |
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 Is borrower slave to the lender like the Bible says? |
Additional Details
If anyone figures out what Duane is talking about, let me know.... |
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 If someone knows they're going to die, what's wrong with them charging up their credit cards...? |
and then giving everything away to people they love, with no intent of paying back the greedy credit card companies?
Additional Details
I should have clarified--I don't believe in G... |
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 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
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 Credit report information? |
| Okay, I checked my credit report today after about 6 months of hearing the same deal before - I only have a couple of open accounts but I've never been late or gone over my limits on any. My ... |
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 My credit card got overpaid and I need to get my money back? |
| By some clerical error one of my credit cards got overpaid by a thousand dollars! I ended up way overdrawn on my account because of this and my bank is assessing me a lot of fees, plus my other bills ... |
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 I have bad credit what should i do? |
| I have some medical bills that i cannot afford to pay...not even a minimum payment on most of them...but i would really like to build my credit...is there a more strategic way to pay them off? or ... |
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 Do you need to get paypal plus credit card to buy things online? |
do you have to sign up for pay-pal plus credit card to buy things online? or can you just sign up and buy things already?
Additional Details
do you have to sign up for pay-pal plus ... |
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Tysienna | My property has been foreclosed....and i am stuck with$30,000 line of credit? |
i am thinking of filing for chapter 13 since i also have some credit card debt. is that going to look EXTREMLY bad having both of those marks on me? dont know what to do!!! |
 |
 
KC
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Your question should be a lesson to the rest of us as to why buying a house with little or no money down, or getting a home equity loan is a really bad plan. Sorry about your situation, not a lot of fun here.
You haven't posted enough information for me to determine if bankruptcy is a good idea; but for the vast majority of people this is not a bankruptcy situation. It's going to be a lot better for you to cut your lifestyle, live on a tight budget, and work extra jobs. Personally I don't think you'll do that because you probably would have realized you could not afford the house if you were used to living on a budget. The bottom line is you bought more house than you could afford, and didn't deal with the reality of your mess sooner. I expect you'll file bankruptcy and when you do just go ahead and do a chapter 7, why screw around with the payment plans of a chapter 13 if your not willing to do what it takes to keep your promises. |
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Ronald S
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If this is your only property and your source of residence no one is able to take it away from you.Believe me they tried it with me. However if you owe taxes on it . They can and will sell it at auction! So beware Always be sure your city & county taxes are paid!!! |
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tennessee
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check around fast and get to a good credit counselor ! Gooddddddddddddluck Tough times dont last but tough people do! |
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JUSTFORFUN
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I did BK 2002. I now own my own home, my own car, and re-emerged fairly OK. It just takes about 2 years before you really can get back into the wing of things with creditors. |
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flowwer_1371
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I have been told it has gotten harder to File Bankrupcy so Make sure you get a Good Laywer that deals with that kind of thing. |
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Sunny louise
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If you didn't have any other liens against your property, try for a deed-in-leiu. It makes it not look as bad on your credit. Not all mortgage companies will give you that opportunity. It depends a lot on why you got so far behind in your debts.
If it's too late to try this, you could try for Chpt. 13. This will certainly make your credit look better. The key is to not miss any payments. If it were me, I would put all my debts together other than the mortgage on your house, and try to get a Chpt. 13 and religiously pay the court every month. Is it absolutely too late to not work out a forebearance agreement with the mortgage company to try to catch up on your mortgage payments? |
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bshelby2121
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if you cant pay the bills chapter 13 will be your best bet, its only gonna hurt you for what around 10 years or so on your credit |
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JoeCoolTrio
 |
Move to Canada, the land of second, third, fourth and fifth chances! |
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kelly h
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Ronald S is incorrect. They can and do take your property, rather it is your only place to live or not. It sounds like they have already foreclosed on you anyway.
My advise to you would be to not file bankruptcy. A foreclosure is bad, but it's not the end of the world for your credit. It will look much worse for you if file BK on top of that. Just try to pay all of your other debts on time and get control over your spending habits, so you don't get into trouble again. The foreclosure will fall off of your credit after seven years, but if you build back good credit,you'll be fine. The place that I work for will do mortgages for people out of foreclosure for 12 months and there are plenty of other lenders who do the same. Just hang in there and you'll be fine. |
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smiling_freds_biz_info
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Check your Yellow Pages under Credit Counselling. You might get some great options there.
Just don't give up! |
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