 Sued by debt collector? |
| I owe $3300 from a mastercard that has been bought out by a collection agency. They said if I don't pay a reduced amount of $2500 by next week they will put a freeze on the account and that ... |
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 Bank of america raised my interest to 32% what can I do? |
| options when a credit card company raises rate that is very ... |
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 If my roommate moved and debt collectors keep calling for him, can they keep calling after I say he's moved? |
| I tell the collectors that he doesn't live here anymore, and they tell me that they will call me tomorrow. This has been going on for over a week. Is there any legal action I can take? These ... |
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 Is it a good idea to get my first credit card to get myself a good credit rating? |
I'm twenty and have never had credit. I'm very sensible with my money and have a steady full-time job. What do you think?
Additional Details
If I were to max out the card and ... |
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 My Husband wants a motorcycle..We have ok credit..Where can I get a loan? |
| My H wants a motorcycle and our anniversary is coming up. We have fair credit and own our home with mortgage, we own our vehicles no payments on either. We make approximately 45K annually between the ... |
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 Money Question................? |
If i get £10 every week for 8 months, how much will i get in total at the end of 8 months?
J... |
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| Where do I get a personal loan with bad credit? |
| Right now I am almost in foreclosure with my home. I do make enough money to make my payments, but had a miscarriage and some time off work because of depession and got behind on everything. I need ... |
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 Credit Card? |
| My friend is a minor like me, we're only 15, but he has a credit card that he uses to buy stuff online, so he doesn't have to use his mom's credit card. I was wondering where to get ... |
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 Is having too many credit cards bad? |
| I like to take advantage of the cash back of major cards and coupons that many department stores give. I have about 8 different cards. Total probably around $20k in credit limit. Is it bad to have ... |
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| Where can I go to check my credit (FREE) online? |
Additional Details
I don't have an open bank account or any other subscriptions..
But I got a call from someone saying I owned an amount.. He wouldn't tell me ... |
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 Using debit card for bill? |
| Quick question everyone, When I use a debit card, Mastercard, to pay for pizza, will the card number show up on the receipt or no?, Thanks for all the replies!... |
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 I won 4000, 000, 000 US dollars ? |
hey ppl ... i got this e-mail telling me that i've won 4000, 000,000 dollars and my ID has been randomly selected... this is part of it
"Agent In charge of Your Region in C... |
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 College Student Needing Serious Credit Card Debt Help? |
| I have about 3,000$ in credit card debt and I am a student in college and I cannot pay off all of this while working very little in college. I can't get any loans either even with my parents ... |
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 Help!!! I have a question about what I should do regarding a credit card payment.? |
I have a credit card that I am already a month behind on. Next week the minimum payment will be two months late, but in two weeks I will be able to pay off the entire balance, which I plan to do.
... |
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 I have way too many dept store credit cards that i havent even used should i cancel them? |
| they are like Kays Zales Ebay Paypal card? i never will use them cause i have others but someone told me cancelling them was bad. ihave about 10 credit cards and i want to just close some will it ... |
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 Parents using a credit card issued under my own name? |
| Apparently, I get credit card offers coming to my house address even though i go to college outside of my state. My parents have basically forged my signature and created several credit cards under ... |
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 Where do i stand with my bank? |
| i stupidly co signed for a loan with my ex five years ago. I recently found out that my ex has not paid this loan for a year! instead the bank decide to go into my account and take out some money for ... |
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kylie | OMG I can't pay this.? |
I just got my Visa bill and it is over 800.00, I bought some stuff recently and it bumped up my minimum monthy payment wayyyyy toooo much, Oh my god-I cannot pay them 800 a month. Do I call them? What are my options? This has never happened to me before. |
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bcyouletme
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So your minimum monthly payment is $800? On one card?? Your balance would have to be enormous. Make sure your it's not your BALANCE that is $800, which would make your min payment around $10-20. If it is $800 you owe this month, call and verify why. Tell them you can't make the payment and ask what you can do. If they won't budge, see if you have another credit card that has a 0% interest offer that you can balance transfer. But first off, read your statement and be sure what you're looking at. Then call the company. |
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src50
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What you mean OMG? You spend the money. |
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rtfm
 |
Wait, your *minimum payment* is over $800 a month? How much is your total balance, for heaven's sake?
The only thing I can suggest is that you run back to the mall and RETURN some of the stuff you bought. You obviously can't afford it.
The next thing I suggest is that you find the sharpest pair of scissors you own and cut that card into little tiny shreds, and don't even THINK of replacing it until you've paid off what you already owe.
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scullycj
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Maybe the fed will bail you out... |
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SlimMick
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You can always contact them and explain your situtation.. FYI: They tend to only have programs to assist you when you are multiple months past-due.
Contact your local Red Cross for a referral to the local Consumer Credit Counseling Services (CCCS) in your area. They can negotiate much lower payments and interest rates. They DO NOT negotiate settlements.
They will require you to stop using all credit and to cut up your cards. Your credit report will be updated to "enrolled in debt management." This does not damage your credit, but it may make it impossible to obtain new credit while you are enrolled in their program....so don't use this service if you anticipate applying for a new apartment, car loan or mortgage anytime soon, as you would probably be denied while you're enrolled in the CCCS debt management program.... Otherwise, it can be a very good way to deal with your debt.
Please note that CCCS cannot perform miracles in situations where there is an overwhelming level of debt relative to your income/assets. CCCS is technically a non-profit organization, it is also partially supported/promoted by the credit card industry. My only concern with CCCS is that they would discourage a person from filing for Chapter 7 when in reality that would be in that person’s best interest. Sometimes Chapter 7 bankruptcy is the only solution to overwhelming debt.
Don't let anyone smear or guilt-trip you for making this decision if you have to...especially all the people who like to quote Dave Ramsey who think that BK should always be avoided....this is ridiculous advise that only benefits credit card companies...Of course BK should be avoided if at all possible...but sometimes it is needed. Do what's best for you and your family. Corporate America uses BK all the time and no one slams them.
Just remember that you can only file for Chapter 7 once every eight years....so if you file, you won't be able to discharge your debts again for eight years, even if you find yourself in a worse financial situation..
STAY AWAY from any debt settlement firm you see advertised on cable TV or the Internet...they will only make things worse for you. |
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Lex
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Your option was not to charge things you couldn't afford. If you call, they may work with you on a payment plan and suspend your card so that you cannot add additional charges. |
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maxmom56
 |
Return the stuff - you obviously can't afford it. |
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kathy s
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I'm confused. First you say your bill is over $800. Then you indicate your minimum monthly is $800.00. Big difference. Either way, call immediately and set up payment arrangements. Cut the card up. |
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Jenn
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You can call them and make smaller payments?.. |
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Judy1
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Your BALANCE is $800, or your minimum payment is $800? You'd have to have a HUGE balance for the minimum payment to be $800!!
Pay what you can. You'll pay extra fees if you don't make at least the minimum payment, plus extra interest of course, plus depending on the company the interest rate could go up. I'd call them and tell them that you are only able to pay $x this month if it's less than the minimum payment. |
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john n
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Don't panic. As long as you can meet the minimum monthly payment, they won't bother you and your credit won't be adversely affected. Just pay what you can afford, you don't have to pay it all at once. |
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iris i
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Call try to negotiate payments without interest. If they do not listen cancel the card...oh yeah ask to speak to a superviser. Pay cash.
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mrfishtraps
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call them! They are easy to work with and understand. |
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blondie
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you need to call them and be as nice as you can be, and maybe try to set up some sort of payment plan, but honestly you might need to look into a loan to refinance your card, |
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