 Should I refinance or file for bankruptcy? |
| My credit is poor so, if I refinance I will be paying a very high interest rate but, if my credit is already bad anyway should I just file for bankruptcy?... |
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 I just turned 18, what is the best way for me to get a credit card? |
| I want one that I can use anywhere, not just a store credit card.... |
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 My 12 year old son wants a kids credit card any good places you can recomend? |
| He wants a proper card that he can use and not a pass book, he wants a good interest rate if thats possible.... |
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 Do you have to deal with collection firms who "purchased" the debt, or can you work with the original banks |
| I am 22 with about $2200 in credit card debt with no real secure source of good income. I just barely get by without having to pay this bill, but I think I could afford to make low monthly payments. I... |
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 I have really bad credit and I need to get a car. Is there anyway I can finance a car with horrible credit? |
| I have a consumer credit counseling or something like that showing on my credit report. Help me out I need a car!... |
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 I am drowning in $20000 of credit card debts, I am making about $1,500 per month, what can I do?? |
| I have about 9 credit cards, I don't have a house or a car. I had goto many banks and they don't approve me for consolidation loans... Right now, I spent all of my salaries each and every ... |
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 Does bankruptcy destroy your credit for life? |
| With the rise in the cost of everything I'm getting close to having to claim bankruptcy. Is this going to destroy my credit for life?... |
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| Going to court over debt? |
| A friend is being sued in Texas for a debt. 2 years ago he was sued over a debt his ex defaulted on. There was a default judgement and I doubt he paid the debt. I think the new suit is an attempt to ... |
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 Should I call the Credit card company to reduce my credit limit? |
| After several years of CC debt I finally made it a point in 07' to pay them off. So I wrote a $12,584.63 check (that hurt) to Visa to clear the remaining balance. The limit on this Visa was $16... |
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 I have credit card debt from 2001 When will it fall off the credit report? |
| My husband and I live in California and back in 2001 we were in a financial crises and didnt pay 5 credit card bills. But I have several collection agencies calling and sending bills. When will it ... |
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 I need help finding a quick personal loan? |
| Can someone help me find a quick personal loan, something other than a payday loan?... |
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 What credit card company offers a low interest rate %? I need to open a major credit card.? |
| I'm 18 years old and I would like to open a major credit card but I'm having a hard time finding one that has a low interest rate. Any suggestions on who to go with or where to look on the ... |
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 If we didnt have CREDIT we would never survive on our salaries so why is everything so expensive that we have? |
to have credit to afford them.
Additional Details
I DONT HAVE A CREDIT CARD OR ANY CREDIT I BUY WHAT I CAN AFFORD WITH CASH AND GO WITHOUT TILL THE END OF THE MONTH IF NEED BE... |
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 Credit card APR? |
| Is 17.9% to 19% APR bad for a Hess Gas card. We are trying to better our credit as much as possiable.. If we buy gas every month and pay it off in full will the APR even matter??... |
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 How do you get ONE free credit report without signing up for a trial of anything? |
| I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you ... |
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 How can I get a debtor to stop calling? |
| My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have ... |
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 Why does Capital One offer this? |
Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.
But I already have a MC with Capital One and had one for the past two years. <... |
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 I'm looking to get a credit card to help build up my credit. Which card should I get? |
I want one with no annual fee. A rewards program of some sort would be nice, but not a necessity. I already have a Capital One card that I use. What else is a good one?
Additional Details<... |
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pandog | Should I file Bankruptcy?? |
I am about $16,000 in debt but I already have a judgement against me for $3,000. I was served with papers for past medical bills and I had a car repo'd about 3 years ago and they are threatening a lawsuit. I have numerous other things on my credit. I make less than $18,000 a year and have no assets. I've contacted several Credit Counseling companies but there is just no way I can pay the monthly payment they come up with. Help!!! I dont know what to do. I really don't want to file but I'm beginning to think its the only thing I can do. |
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heybulldog
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You have to get your income up. better job. 2nd job. |
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Randysgirl
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I think that you need to look into a second job, and stop spending where ever you can I know tha tthis can be hard I have been in your shoes, but filing it not good option when your only 16,000 in debt I know that it may seem like a lot to you right now but it's really not, how old are you? Have you looked into any other jobs, if you would like look at my profile I have two different website that might help you in your situation then if you are still looking for other options feel free to email me I can try and help you, come up with ways to get you back up on your feet. |
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dwpouchie
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hear is a how to about paying off your debt:
http://www.businessbuss.com/Articles/finance/Pay-Off-Debt-Now-5-Steps-To-Getting-Your-Finances-In-Order.html
what you should know about filing for bankrup:
http://www.businessbuss.com/Articles/refinance/Refinance-After-Bankruptcy.html
a way to get money from banks:
http://www.businessbuss.com
hope this helps |
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Sane
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Man I hate that room with no doors and no way out! In your case, if all you say is accurate and true, you may have no choice. These days you'll have to prove you went to the Credit Counseling so keep those papers and records. You'll also have to go to a course on handling credit. Other than that I cannot see why you should not be able to gain a dismissal of debts under chapter 7 as opposed to going to chapter 13. |
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orchid
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Talk to a bankruptcy lawyer. It's not as easy to file as it used to be - the laws changed in Oct. 2005. Many former bankruptcy lawyers are no longer handling them. A bankruptcy lawyer can give you an idea of if you can file for bankruptcy and what kind. I think you should be a candidate based on what you said about your debt to income ratio. Like I said, things have changed but calling a bankruptcy lawyer would be a good start. They probably won't charge you for the call and once you decide to file, they'll establish a fee for you, which should be manageable. Don't try it without a lawyer!
Things may be rough getting credit after it, but try to live on a cash only basis and stay away from "credit recovery" cards -- they'll totally make you miserable. I'm doing pretty good now and might even be able to buy a house later this year. |
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Veridian
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If you're worried about starting with a clean slate and working on getting your credit back to normal after the 7 years, then yes, go for it. As for law suits, I've been served with a subpoena for a $3,000 hospital bill, but I never even showed up to court and they can't do anything because it is a civil matter, they can't even issue a bench warrent for not showing up to court. Let them threaten you, there's not much they can do about it unless they attach your wages, but see if your employer allows that, because if they don't, then the bill collector is S.O.L. Good luck! |
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ﺸÃïåMóñdÃôññåﺸ
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depending on who your bill collector was...
if YOU don't show up for court.. the judge will place a judgment.,,,, than the judgement is recorded with the state... the judgement stays on your records for 20 years until satified... in the meantime a motion of litigants rights can be filed for any assets, car, house, good, etc... if YOU fail to response to this notice.. a warrant for your arrest can be served... a court appointed officer will pick you up .. present you in front of the judge ........ wages can be garnished, bank accounts...... |
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Just me
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try anythingbut bankruptcy |
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