 Co-Signing? |
My sister is in debt and would like to consolidate. The catch is that she would like me to co-sign with her on the loan.
I don't know alot about co-signing but I do know the risks ... |
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 Bank of RIPP OFF America? |
| I just got a $35 late fee on my credit card account because I went into the bank on Saturday and handed them my payment rather than making it over the phone!! When I called customer service she had ... |
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 Fraudulent Charge on Credit Card? |
| I have a fraudulent charge on my credit card bill. I spoke to my credit card company and they said they will cancel the card and mail me a new one, and they will investigate this charge. I have ... |
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 I need to get a personal loan with no credit check for 18000.00 dollars? |
| can anyone tell witch site i can go to so i can get approved.i will nogo threw any of those credit or debt managment programs.and i will not refinance my home because my husband has no idea i have ... |
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 Does anyone else have problems with Temp Agencies? |
| I have applied for jobs at a few different Temp Agencies and they never call me back. I always have to contact them . I thought it was there job to find me a job?... |
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 Is Transunion the only credit bureau that matters? |
| Seriously, about a little more than 100% of all important business check your credit report from transunion. Whats the point of the other Experian and Equifax? I looked at all 3 reports and all ... |
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 I paid for a hotel with my debit card, and the hotel still hasn't taken out their money it has been a month? |
| I went on a small vacation and stayed at a hotel i put the bill on my debit card (as credit) and the hotel still hasn't taken their money out. i left the hotel on 7/26/08 i had stayed the ... |
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 Are you in Credit Card Debt? |
| Are you? And if so, how do you plan on paying it off?... |
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| How can i get a credit with bad credit? |
| I filled bankrupt 4 years ago and I'm unemployed due to on the job injury and would really like to clear up some things, and pay some over due bills I have pending. I do have an income though, i ... |
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 Will a score of 643 get me a credit card? |
| I just want some idea of where I stand as applying for a card goes on my record. What would the odds be?... |
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 Is it normal for your interest to be highter than your principal on 30yr fixed mortage? |
| I just refinanced my house for a conventional 30yr fixed mortage. I noticed that a majority of my mortage payment is going towards my interest payment vs. principal. But as I will pay down my mortage ... |
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 Is this email a scam? received from COMMITTEE ON FOREIGN PAYMENT (infouk100@earthlink.net)... |
is this legit?:
thiS IS TO OFFICIALLY INFORM YOU THAT YOUR EMAIL HAS DELIVERED YOU AND WE HAVE VERIFIED YOUR INHERITANCE FILE AND FOUND OUT THAT YOU HAVE NOT RECEIVED YOUR PAYMENT AND YOU HAVE NO... |
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 How do you keep your lights from being shut off when you can't afford to pay your bill? |
| If you send in or do an online payment of any amount will that help? I mean it shows an attempt to pay right?... |
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 I have a letter from a debt collection agency. What does it mean? |
| I owe a credit card company £3400, Ive had the card for just under a year, unfortunately due to personal circumstances I am unable to pay the credit card company the contractual monthly payments. I ... |
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 I received a check in the mail for $2800. I was just wondering should I have just deposited it into my bank ? |
| I was just curious, because it seemed like a blessing when I received it. I am having financial difficulties right now. I was scared and did a lot of research on it and found out it was a scam. It ... |
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Pinto B | Should I consolidate my $10,000 credit card debts with National Credit Counseling or should I pay it myself? |
About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was offered a job and been trying to make as much money to pay some of the credit cards. But with a full time and a part time job I cannot pay some off the credit cards that have balances of $1600. Collection angecies have threaten to take me to court and having said that I think if I consolidate my debt the counseling angency will stop them from taking me to court because I will be making payments to the agency through Credit Counseling. So what is a best option for me? I'm too deep in debt? I like to consildate by my monthly payments will be $330 each month. I'm also paying a car payment of $275 each month. That totals about 600 each month; I'm also trying to be a part time student at a University. What should I do? |
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Dirty Rat
 |
So you probably have around a minimum payment of $166 - 200 a month.
First off, a credit card company may take you to court, but if none of them are worth more than $1600 they probably are just talking crap. Remember this... credit card collectors are usually the biggest pieces of lying filth in this world.
The one thing you should always remember when dealing with them is to NEVER give them any more money than you can afford. If you send the 1600 balance company $20 and they cash that check, chances are they aren't going to take you to court.
Let me just tell you what I did.
I had three credit cards, student loans, college tuition, a car payment, and an overdue phone.
What I did was I talked to each of the credit card companies and told them all my monthly payments from rent, food, car, phone... everything. Then I told them my complete budget and said all I can afford to send you is X. I never had a company tell me that wasn't good enough. If they were going to pull that I would have told them to sue me. Credit card companies cannot garnish your wages. All the credit companies stopped charging me over limit and late fees, and one even put my account at 0 % interest. The student loan put me on loan rehabilitation, and now it's not even on my credit report. I got current on the car payment and sold the car and started driving a paid for beater. The phone settled for half of what I owed.
I basically started slow, knocking out the smallest debts and worked up to the largest ones. Next month I pay off my last debt with the exception of the student loans. It's been three long years... and it required a lot of diligence.
I didn't want to do it any way but doing it on my own.
you should check out...
http://www.daveramsey.com |
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Munya Says: GFOD
|
pay it yourself! OMG, those places are just scams! They take your money (you DO pay a fee, whether you realize it or not), they claim they will fix your credit, but that's an illegal claim--nobody can "fix" your credit!
Just because you have a "debt consolidation agency", that will NOT NOT NOT stop a collection agency from calling you OR taking you to court.
There's only 2 ways to get a collection agency off your back:
1. payment in full
2. FILE FOR BANKRUPTCY...you can even file for the bankrupty re-organization--not the total bankruptcy.... Call an attorney ASAP--that's the only way to legally and safely 'consolidate' your debt.
Good luck. |
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madkins007
 |
There are two main kinds of credit counseling...
One type is a scam. The scam can be that they make you a loan to cover your debt but you end up owning more in interest and fees, or it can be the scam where they make calls for you that you can make for yourself and bill you for the 'service'.
The other type is the free consumer counseling that is available in many cities. It is just a group of people who will work with you to explore options and contact your creditors with you to help out some.
Now- the collection agency will often have connections with a 'credit counseling service' they recommend, and get kickbacks or other money out of the deal. That is not in your best interest. |
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Jennifer
|
Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shurl.net/5oX |
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Rodolfo D
|
Let me explain something:
Debt consolidation is for account that are current (not in collections) and settlement is usually for account that are behind in payments and/or in collections.
Non-for profits are the companies that can do consolidation and settlement is than thru layers.
In first-consumer.com you can find a good explanation about this 2 different programs.
Definetively if I were you I will go settlement.
Good Luck. Rod |
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Michael F
 |
If your not making much money you can look into filing for bankruptcy, but do some research online first, and keep it mind filing will cost you.
you might also try calling the creditors yourself and tell them your situation and ask them what they'd be willing to work out with you in order to help your credit.
if the debt is in collections it's rare that you will be taken to court unless it's on something that you can give back, like if you bought a washer/dryer or something like that... if you just had regular credit cards they might sue you but it's doubtful, because it's not always worth the time and money it will cost them
you also can try and save money and offer to cut a deal with the creditor. you let them know something like.. I can pay 75 percent of the balance if you are willing to accept that as payment in full and erase any negative marks on my credit.
they usually will do something like that, but don't make payment arrangements with them... only try what i said if you have 75 percent of what you owe to that company and are ready to pay them when you call... and get everything in writing.
but if you don't want to or can't do those things than yes going through a credit counseling company is a good idea because they will get your payments down, and keep creditors from contacting you, but don't expect to get your credit back with those companies again for a very very long time.
if you do go to a debt consolidation company make sure they are not going to charge you.
good luck... having good credit really is important, so don't be depressed alot of people are in the same situation as you, and i say just look at it as a learning experience. |
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kckid2
 |
Their advice sounds good to me. You didn't mention what their fees might be, but if reasonable, it could save and restore your credit. |
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americanfreeman
|
SCAM SCAM RIPOFF SCAM
Do this yourself or go to the local non profit credit counseling
SCAM SCAM RIP OFF
DONT DO IT |
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Jennifer
 |
Hi,
I got my Capital One and Chase credit cards from this site.It's very easy and fast.You should apply and keep these cards for emergency or to improve your credit score since there is no annual fee.Check it out here:
http://ez-mart.biz/NoAnnualFee.htm |
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