 I have poor credit. Where can I obtain a small $600 loan/credit card with no fees.? |
| I have poor credit. Where can I obtain a small $600 loan/credit card with no fees. I need the money to invest in a new career that will hopefully get me back on track.... |
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 Credit cards for kids? |
| is there a credit card where my kid can use it but i pay it off?... |
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 I (minor) just bought a visa debit card, and my mom won't let me activate it.? |
| I'm 15, and I just bought a visa debit/prepaid card from HEB/netspend.com, and was told that in order to activate it, I was told that I needed to fax them my mom's social security card, my ... |
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 What is considered a Good credit score.? |
| i just receive my score one is 660, 690,689. so am ??? in terms of what is a really good score.... |
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 I have had a letter from a debt coll. agency. The debt is from 1997, am I still legally bound to pay? |
| This is relevant to law in England & Wales - I have heard that after 6 years, the debt is 'statute barred' ie expired, and although this debt agency has threatend me with court, would ... |
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 Do you think it's right that an employer makes his whole hiring process based on your credit.? |
Additional Details
Ok, what if the person has fell on hard times and bills got backed up judgements fell on them and no one would hire them because of such. You try to better yourself ... |
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 New capital one credit card? |
| ok i just got approved for my first credit card a capital one it should be here in 10 days im very good with paying my bills so that not a problem it said that i'll have a 0% intro APR untill 4 ... |
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 What are the chances of being approved for a mortgage if I can put 50% down? |
Small home worth 35k, selling for 25k (by my uncle). Continuous work in the same field for appx 1 year, and credit score 620ish.
*Fiance wants to liquidate and invest his mutual fund in ... |
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 Read the question please, no dumb answers. Would there be a problem paying more than the statement balance? |
| On a credit card to cover purchases bought after the statement? Say I have a $100 bill and I bought $100 more of stuff after the statement was mailed. So the statement is 100 and the online amount ... |
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 How long does it take for a check to appear in your bank account? |
I recently placed a paycheck into my checkings account at commerce bank, along with a 100 in cash.
So far it only shows the 100 in cash that I placed and not the paycheck. I placed ... |
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 I have NO credit how can i start to build credit? |
| I have no credit I have tried to apply for small loans or credit and gas cards just so I can start some where but I dont get approved because I have no credit history! Where Can I start!!!... |
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 Someone stole my credit card and charged almost $200 last week...I know who did it, what are my options?!?!?!? |
| I'm really pissed off. I know who they are and where they live. I want to know what are my options... Like can I sue them or press charged with the police...etc... This was really mean and ... |
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 Collection agencys? |
| do you think collection agencys are allowed to call you at work and demand payment over the phone?... |
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 Paid online surveys? |
ok well i'm thinking about starting to do paid online surveys. are there any legit payed surveys out there. would you please list them.
also if you have ever tried anything like this ... |
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 Should I purchase a Home now or wait and approve my credit score? |
| I applied for a home loan and was approved, but was given a rate of 10% that I know is very high. My credit score was a 600. Should I clear out some things in my credit and boost my score and try ... |
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 Cheapest no fee credit card? |
| i owe £4000 i want to transfer my cards to interest free card but they all ask for a2% fee is there any cards out there thet dont charge a fee cheers ... |
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 If you have a credit card, and haven't used it in a year should you close the account, or keep it open? |
| I was wondering about this question because alot of people said that you should close an account if you are not using it, or at least close the credit accounts that have annual fees. Also other ... |
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spirited away | Not paying cc debt..? |
my cc cards range from $7-11 thousand.. if i stop paying on all of them will they be able to get the money later on? can they garnish my wages in the future or take me to court? what is the worst can happen? |
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Jennifer B
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Yes Yes and Yes
If you didn't have the money to pay off the balance in FULL every month then you shouldn't have been using the cards.....obviously you were living ABOVE your means.
You need to cut up all the credit cards and from now on pay CASH for every thing and then start making more than the minimum payment on the outstanding balances you have left.
Not the sharpest tool in the shed when it comes to finances are ya?
You got yourself into this mess and bankruptcy is NOT the way out.. you won't be able to get credit to do ANYTHING for years......you gonna need a new fridge, stove, washer, dryer, car in the next 7 - 10 years? Fix your mess, learn from your mistakes, do better in the future. |
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Freedom
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I know that it will screw up your credit so that when you want to make a major purchase. You will have a very high apr.
Call them and talk to them. They might be able to work with you. Don't do anything stuiped. That will lower your chances of them working with you. |
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Tisa
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No, I would stop ....I had a friend that had 24k worth of cc bills and he just stopped paying them. He had them harrassing for a while then it all just stopped. You'll have 7 years of bad credit but you won't have to pay back. They will write it off as a loss report it and it will last on your credit for seven years .....if you got 7 yrs to wait I'd say do it. lol They will say they will take you to court but I ain't never seen that happen in all the people with BAD credit I know... |
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sophieb
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If you get too heavy debt you won't get credit when you really need it. Have you figured out on an online calculator how many years (without buying anything else) it will take you to pay off credit card bills if you owed $7-11, according to your "extra" income?
If you stop paying them the interest on them will build tremendously, plus you'll get a lot of late payment charges as well. And your credit will be ruined (can't buy a house or a car or start a business, etc.) until you pay those off. So I suggest you keep making your monthly payments, and get a second job to help pay off those bills. If you can't pay and you call those credit card companies you can call them and make a repayment schedule of payments with them, but then they will make you cut up your credit card, and "may" not deal with you again in the future.
Yes, companies can and will take you to court in an attempt to get you to repay, and, they will garnish your wages (and your boss will know and it will be embarassing). Any collection agency taking on those bills can charge an extra fee (added to your bills monthly).
The attitude should be that "I want to be an upstanding person in my community, and be responsible for what I do", not try to get out of the bills. Employers who hire you will see all the dunns on your credit report and "may" not hire you into any responsible position.
It's better to get the extra job or jobs and pay off those credit cards rather than ruining yourself. Just so you know, even Consumer Credit Counseling, or repayment loans, or Bankruptcy when they appear on your credit report will ruin you. Best of luck to you. |
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tinydancer42001
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If you stop paying on your debt, yes they can try to get their money later on. It affects your credit. Yes they can garnish your wages, and yes they can (and will) take you to court. As for the worst that can happen - that's up to you. If you choose to never do anything to pay them, they can garnish wages, seize assets, and pretty much tie you up for years. If you're having money problems I suggest you find a reputable debt consolidation company and work with your creditors to resolve your problems. This will salvage your credit to a point, and keep your money flowing. |
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-*
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This would be theft by credit card....a felony in some states as you have no intention on paying them back.....
you bought the junk, just pay for it. |
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dreamscorporation
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if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is:
http://umgarticles.atspace.com/debt-consolidation.htm |
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lacoste042
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worst case senerio is they follow you for the rest of your life. |
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kvuo
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if you stop paying right now, you'll be in default (breaking the contract) im a month. they will keep the account open, and harass you.(2 years later) then they will let a collection agency try to bully you around (about the 2 year mark). Eventually, they will sue you. (another year) The police or sheriff will serve you with your summons telling you you've been sued in civil court for any number of dollars. Show up or not, you will lose the case -- you owe the money after all, its a open and shut case..The court will enter a judgement against you. you can pay right then, cut a settlement, or let them garnish your wages. (another 6 months)
at that point, you either tolerate the garnishing, or you file bankruptcy. |
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Alias Anarchist
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The sky is the limit, CC companies are crooked people...I would say definately pay them off...it will destroy your credit extremely bad and quick. You basically can look at it like this, you take a loan from a physical bank for a car, you dont repay the loan, you lose your car...you are using money from a financial institution of some kind whether it be a bank or likewise, something will be done and they will get their money, you can bet on that. Refer to your agreement pages. |
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Dolleyes
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YOU NEED SOME SERIOUS HELP |
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M N
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Your credit ruined (no more car loans and mortgages for you), they will sue you in court and put liens against what you do own (car, house, etc). They won't garnish your wages, they don't have time for that crap. The best thing to do is get a consolidation loan. This is a loan that with the money, you diligently and immediately pay off every single credit card you have and you have one payment, the consolidation loan payment. Call the credit card companies and cancel unnecesary cards (department store, gas station) and use Visa/Mastercard. Call Visa/Mastercard and have your limits lowered so you can't get yourself in trouble again. $500 is a good limit - that way if you get into trouble (need a plane ticket right away, fix your car) you'll have a little room to spend. Then strongly limit your credit card spending. Too many people get a consolidation loan and then when they have zero balances on their cards they feel free to start charging up again. Then they're paying on a loan and all their credit cards. You can't go get another consolidation loan to fix your new problem. Get smart about it, this is your life being affected. Get a grip and some self control. |
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David D
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Plenty of good advice here. |
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robert495713
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Yes they can use whatever legal methods they want to collect the debt. This includes wage garnishments and suits. I would suggest working out a payment plan with them before it gets to that point. |
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