 I have sked this question before but not getting a really direct answer? |
| if I have 3 credit cards that are in collections and I pay them off next week in full they have been in collections just like a month or two will that increase your credit score?the more bad debt you ... |
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 Not sure where to post this, I abandoned a car i had a loan out on? What will happen to me? |
| Well when I was 18-19 yrs old (now 24) I took a hefty loan out for a car from JD byrider. I left the car with my parents when i moved out of state and they got evicted from their house so they just ... |
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 Why are so many people in debt when it is so very avoidable and easy to stay out of? |
| All you have to do is not spend what you don't have and keep an eye on your interest rates and read between the lines.... |
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| How long does it take for late credit card payments to clear up on your credit? |
| We had a late credit card payment from 2 diffrent credit companies. Its the only thing stopping me from getting a good loan for my home. After they clear up, how long does it take me to restore ... |
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 What shall I do now re late payment charges? (I am angry and ready to do anything i need to)? |
| 3 phone calls to Capital One today. Ist established no voiding. 2nd established debt was .10p (10 english pence) for which I have been charged Β£24.28. Was offered one deduction, accepted. Went to ... |
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 I am turning 18 on June 5th, but I need a credit card NOW. Is there anywhere I can get a card? |
| I need a credit card so I can get a paypal debit card so I can get the money i need to ship stuff for ebay faster. Problem is I don;t turn 18 for like 4 months. Does ANYONE give any kind of card out ... |
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 Collection agency is calling for a co-worker, but continues to harass me! what can i do?!? |
| The co-worker is a friend of mine; she was in a car accident over a year ago and is in the middle of a legal settlement so that she can pay off her car that was totaled in the accident. The balance ... |
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 My husband has transfered all his debt to me and dissappered. is there anything i can do? |
| He transfered over his debt to a 0% balance transfer on my credit card. Now he has deserted me. He also has borrowed money of my family. He wont get in contact with me. he is currently living with ... |
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 Payday loans? |
| has anyone ever received cash from a payday loan advertised on the internet, usually says up to $1500.00 . I was wondering if it is real and safe. I'm a single mom in need of a loan with not so ... |
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 I am so nervous...? |
| i have to go to court on tuesday for a credit card debt and i don't have a lawyer, i feel like i'm having an axiety attack, i know it's my fault but i'm scared, has anyone ever ... |
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 Decent credit cards? |
| I want to apply for a credit card in case of emergencies (serious ones, not "OMG I need new shoes charge it" ones) Like if the car breaks down and that kind of thing. I know I may not get ... |
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 I cancelled a credit card an hour ago- can I call them to open it again? |
| I cancelled a CC- an hour ago now I realize that maybe I should have just kept it open even though I have not used it in 3 years. It has been open since 2002 and had a credit limit of 9500- can I ... |
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 Can a collection company send local authorities to arrest you for not paying your credit card payments? |
| My husband was threatened today by a collection agency stating that they were sending a officer tomorrow to take him to jail for not paying his credit card. I have heard that this is how they try to ... |
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 Will a collection agency sue me over $7,000 debt? |
| I have debt with a walmart credit card for $7,000. They have sent it to Encore, a collection agency. Will the collection agency sue me for this amount of debt. I don't own anything of ... |
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 Can i be turned down for a credit card because i did not provide my social security nunber? |
| I went to a local store and I was told that my application could not be processed if my social security number was not ... |
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Katherine B | PayDay Loans have buried me.? |
Ok, so I was very dumb to start taking these loans in the first place. The first one was ok, it was through a reputable company, and for a $500 loan, I ended up paying $600. Not bad. But then I started taking out loans through these on-line places. Between my fiancee and I, we have 7 out and are paying almost $1000 a month. For some of them I'm paying $90 every two weeks, and that has'nt touched the principal yet. Does anyone have any suggestions as to how I can out from these ASAP. I've thought about debt consolidation. I tried to get a personal loan from my bank to pay the payday loans off, but I was denied. Anyone who has been in similair circumstances and has some tip, it would be very much appreciated. Thank you. |
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Melanie B
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You need to use the snowball method. Get rid of the one with the highest interest while paying the others with a little more than just the minimum payment. Then once that debt is gone, combine that with the minium to pay the second one, just like a snow ball..
Also, a good resource is...
http://www.surveyland.org/jump.php?link=loan
Best of luck to you. |
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irontaxi
 |
suck it up, work hard and pay off principal...
no more borrowing as well...living in dept is a western ideal..dont be fooled into thinking the rest of the world (those with money) do it..
consolidating is a good idea...they can cut deals with the companies and make sure you get principals paid down...
and dont be dumb from now on...its a scam...pay for things in cash...if you havent got the cash...you cant afford it.. (aside from perhaps a car and a house)
biggest lesson i learned coming from a dirt poor background.. |
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kitkat
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live within your means, so you don't have to use payday loans |
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~Just 1 good egg~
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If you are renters, give up the apt and move in with relatives then use the xtra money to pay down the debt. When you are done, make sure you've learned your lesson and dont take out any more high interest rate loans.
If you are homeowners consider using your equity but I'd consult a debt counsler first.
There is no quick fix or hand outs for this situation, good luck! |
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A
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No. They have not buried you. You buried yourself. If you use a payday loan company again, don't mislead them into thinking you aren't already holding 5+ other loans and you won't pay them back. Had you told them, you wouldn't have had 7 payday loans out. |
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Dewey H
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I think debt consolidation would be a good option. Through a debt consolidation company you can get a low interest rate loan . Thus you can payoff all your debts. Or either you can get a debt management plan wherein the debt counselor would provide you an affordable debt management plan after totaling your income and debt.
I know a debt consolidation company which provides all debt consolidation solution. You can try if you want. http://ezconsolidation.com |
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ღ*Pink Cat *ღ
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Its hard once you start getting in knee deep with these things. I would look into one of these free places that help you get your credit fixed and make small monthly payments to everything fixed. Getting a loan to pay them off will just dig your hole bigger. |
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Don M
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Talk to a credit counselor or bankruptcy attorney and see if you can get some deferments. If not, look at settling some of the debt at a fraction of the amount owed; it may still preserve some of your credit and lower your outstanding debt.
If you can make yourself talk to the people you owe money to and TELL THEM WHAT YOU WILL PAY, then PAY IT, you may still be able to get them off your back. There are laws that say what people can and can't say under law when making a collection call. Know your rights! |
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TommyGirl869
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Ouch. I hate these places as they take advantage people and their situations. Do you have any credit cards to put these on? Have you considered bankruptcy? |
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versantly
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get credit counseling -look online for the free services through a non profit agency in your area. |
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Midge
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Get two more jobs, sell your house, sell your stuff, move in with relatives. Basically, work your a**es of to pay this so you'll remember what a pain it was. Then, I guarantee you'll always remember to never do it again. |
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San Diego Art Nut
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Before pay day loans, I got overdrawn with credit cards. I did a bankruptcy and got over it. The loan companies deserve no mercy because they show none. Bankruptcy is a valid solution. |
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