 Honestly, how much do you owe credit cards? |
Just wondering how much do people owe in credit cards.
Please be honest...... |
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 Money help, we are so much in debt and don't know how to get out!? |
| I don't know how to get back on track. We aren't making as much money as we were a year ago. Our credit is going down the tubes. Literally! Our credit scores were in the high 600's and ... |
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 I have a bill that might be reported to the credit bureau? |
| I have a bill for $90 that I just got a letter from saying that if I don't pay within seven days it'll be reported to the credit bureau. I already talked to these people like three weeks ... |
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 I have an HSBC debit card...? |
I am looking to buy something online...but the only options for cards are VISA,MASTERCARD,JCB,SWITCH,SOLO and ELECTRON...
My debit card has MAESTRO on it (and CIRRUS at the back) Which one ... |
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 I'm 19 and have no credit but need to get some? |
| what do u suggest i do as i don't have enough credit to get credit cards etc.... |
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 Credit card with score of 636? |
| what credit card can i get approved for with a score of 636 and i derogatory item on my report which i am currently disputing i already have a secure credit card i am just looking for a way to ... |
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 Will I still have a bad credit? 10 points for honest answer. Thank you? |
| Over 2 years ago I had a minor accident. I went to the hospital for couple times. The bills were about $990. I had a health insurance, but the health insurance have never paid for it. Finally, last ... |
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 Where and how to apply for credit card? |
| Iam just trying build my credit. well, I would like to have a credit card. Where do I apply for one with low interest. Thanks in advance.... |
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 E-bay / pay pal? |
| i have just sold an item on e-bay(first timer!) the payment is in my paypal account but not in my bank acount yet(had a few prob getting my way round it),is it ok to dispatch item to buyer, as i feel ... |
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 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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KelBean | Only serious answers please. Those that are cynical will be reported.? |
I have a high cellular phone bill, and am having trouble paying the bills. What do the consolidation companies for debt do? charge? Where can I find some help? We both have jobs but are suddendly not getting as much hours as needed. |
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Sir J
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Debt consolidation is not a good plan
http://www.daveramsey.com/the_truth_about/debt_consolidation_3035.html.cfm
Get the book "Your Total Money Makeover" at the library and he will you some honest advice about the "debt snowball" and how to make your money work for you without credit and without debt. |
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Sassy
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Some credit bureaus have consumer counseling for free. They can help you get your debt under control and set-up a payment plan with your creditors. The interest on your accounts will stop. My credit bureau charged $12.00 a month fee. I don't know if it is the same way in all states. I'm in CA. I do know if you do this and don't stop with the cell phones you will be right back where you started from. |
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churppy
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No one that I know of will help you pay for cell phones. They are considered optional. I had this problem about 4 years ago. I just canceled mine, and then when I got back on my feet, went with another company. |
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echo
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Have you discussed the problem with your cell phone company?
If you are late but the account has not been charged off yet, that should be the first thing you do before trying to find a consolidation company.
Don't speak with the average customer service rep that answers the phones, speak with someone higher up.
Explain your circumstances, tell them you have been a good customer for x number of months/years and you would like to be able to resolve this. Find out if they will work with you on a payment plan.
Just an idea of resolving it before you sign with a consolidation company. |
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nikkie
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Those companies on really work with credit cards. You may just have to disconnect your phone for a while and make payment arrangements for it , switch to a pre-paid phone. For you guys to get out of so much debt, your going to have to cut out the unnecessary things like cable, eating out etc. things that you could live without, just until your finances got better.
Check out www.suzeorman.com |
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evalmonk
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Basically they pay off your bills and you owe THEM the money instead... usually at a higher interest rate spread out over a longer peroid of time so you pay less per month but over the long haul you lose big. They really have you now that they have changed bankruptcy laws... filing for bankruptcy will no longer get you out of unsecured debt. Hang in there! |
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impossible
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I went through a debt consolidation company. They were the biggest ripoff I have ever seen. The best way to do it is to call all of the people you owe money to and tell them your having a hard time paying. Most places will try to help you out and set up some sort of payment plan. I went through a place called Financial One and they were HORRIBLE!!! It sounded great at first but all I did was pay them alot of money to do nothing. |
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Uncle Groovy
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The business of debt consolidation can be a grueling experience. You might probably be asking someone for advice on help with resolving issues with debt companies if your not careful. Don't forget they are for profit businesses as well. You pay them, and they pay everyone else, is generally how it works. They buy off your debt at let's say 35 cents to every dollar and charge you about 50 cents to the dollar. So you have a 50% less combined note to pay. Everyone is happy. But if that were ideally true there wouldn't be so many unhappy Debt Cons'tion customers. Look up BBB Debt Consolidators and you will read all sorts of good or bad reports on any companies. Either way extending your phone bills past affordable limits is an issue noone can help you with.
I hope this answer just changed a life. Peace. |
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Lamb725
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Unfortunately, you can only file secure debt with a debt consolidation company. Debt consolidation companies are okay, just watch out for enormous monthly fees. Your debt is not really negatively impacted. What will mess you up is a a debt settlement company. You pay them a payment each month, then when there is a set amount of money in your account (6 or months down the road and your creditors are hounding you( they will settle your debt for much less than what you owe. Your credit will be ruined.
For more info check out
http://www.debt-settlement-inc.com/FAQs.asp |
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Molly R
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Debt consolidation is taking all you debt together and spreading it out over a long period of time. The idea is to get a lower interest rate. If you have credit card debt it's at a high interest rate. The idea is that you are spending less money on interest and more on paying down the debt. For it to help, you also need to balance your budget. Moving forward, you want to be spendiing less than you are making. You might need to cut up your credit cards and move to a strict budget to make it work. It helps to understand how you have been spending your money for the past year, and then simplify it, for example, but changing the way you spend it so you are less likely to get into hot water again. |
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andy
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I would first talk to the phone company and explain what they did. I have a friend at work who had her cell phone provider do the same thing. She is in the process of switching cell phone providers. As long as you are making payments and have talked with the provider you should be fine. |
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Art The Wise
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Consolidation companies will require that you pay a percentage before they take on your loan. And they will also add another amount to your loan for using their services. I would not recommend it. For now, spend your money wisely. Don't buy things that you want, only things that you need such as gas, groceries, and utilities. |
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First Lady
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Most consolidation companies do charge, but I don't know how much. Do some research on them because there may be some that don't charge. If you're not getting as many hours, you may need to stop using your cell phone for awhile. It's not essential like electricity or water is. |
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jenks1545
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I know you can call you cellular phone company and explain your situation to them and they can work out payment options for you. Thats what i had to do with mine when i couldnt afford to pay them and had other bills to pay. im sure they will be willing to work with you. good luck |
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