 What can people do with your credit card information? |
| like on ebay, should i use paypal? what are the risks of paying directly giving your credit card information?... |
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 Visa Credit Cards help? |
| I just recieved my first credit card. I opened up a checking account at EastWestBank and got a visa check card/debit and another credit card. I was wondering whats the difference between the visa ... |
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 Can they force me to pay for it? |
| I ordered a bed out of my catologue. When it came I didn't like the mattress, I didn't unwrap it just looked at it in the garage. I made 2 attempts to get it collected and the carriers didn&... |
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 Debt Collectors? |
| My credit card debt with bank of america has been bought by a collection agency, my question is can I go back to bank of america and settle with them instead the collection agency.... the debt is ... |
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 Bad credit marrying good credit? |
| I'm getting married next weekend. I have bad credit & my future husband has great credit. We have no joint accounts or debts. Every debt I have is solely in my name & every debt he ... |
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 I just got some mail and it stated that my credit score is 426 what is that? is it good, bad, average, what? |
| if its bad how can i get it back good again what do i need to do? casue alot of people say i dont have enough credit or none at all.... |
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 Should I pay off my medical debt or file bankruptcy? |
| I do not have any credit cards but have about 12k worth of medical debt, most of which is in collections - I did not have insurance and was not eligible for assistance. Now a new friend has offered ... |
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 I have two fraudently transaction on my credit report, will this make it hard to get a car loan? |
| I live in NY someone in Fl stole my identity bought two condos and have not made any payments on any of them. The bank and the cops are investigating but in the mean time their are two foreclosure ... |
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 Should I pay on and old debt even though on my report? |
| I have two things on my credit report (negative) under the name with one company not scheduled to come off untill 2012. It has since been sold to another collection agency, do I pay this agency or no ... |
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 Can I get a credit card with bad credit? |
| I've tried to get one in the past but generally the only ones I can get are pre-paid credit cards. I've never had a credit card before but my credit is so bad that everytime I try to get ... |
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 Question on Loan to repair credit? |
| my credit score is 580. I've been slowly repairing my credit. I'm 24 and messed it up when I was younger and didn't know any better then left it alone becuz I lost my job and couldn... |
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 Putting all credit card debt onto one card? |
| My husband and I are trying to get out of debt. We have a plan written down that would allow us to pay our credit cards off in a little less than 4 years. Sounds like a long time, but at least we ... |
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 Capital One 'cashback' Creditcard,are they a good idea? |
They offer you money back on purchases.4% for the first few months,dropping down to 1%.
I always pay my creditcard off each month,so this sounds great to me,so whats the catch?
Anyone have ... |
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 Yes loans have said my application was successful..? |
they said paperwork will be sent, and all i have do is sign for it..
when they mean sign for it will it mean i need to provide proof of earning etc? as ive never taken a loan out before..
... |
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 How high can your credit score go up after being very low? |
| My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling ... |
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Anonymouse | Should I file for bankruptcy? |
I'm 29, and my debt is under but probably close to 10K, much of it sent to collection. This debt includes student loans, credit cards, and my bank account balance, which was in the negative and sent to collection. I've been ignoring the debt for a while because I currently have no money to pay it off with. I used to be a responsible person with stellar credit until personal problems turned my life upside down. I need to recover my credit and my dignity. What should I do? And do those debt consolidation companies truly help? |
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cafegrrrl
 |
I, too am in a similar situation, except I'm in more debt and little older. Instead of bankruptcy, I consolidated my school loans and also applied for financial hardship or income sensitive...whichever one is used for those not making much $$ and i contacted a credit consolidation company. The consolidation company will take over all of your outstanding bills and those in collection aside from things like car and house and school loand payments.
My hospital, credit, and other similar bills are lumped into a once a month payment under $500 and will pay everything off in 4 or less years...no penalties for paying off sooner.
I think going this route will show that you are taking responsibilty for whatever fianancial problems you may have and should hopefully get back to having good credit. Also, for my credit card, the consolidation company is communicating with the companies for me and will do what they can to have interest rates reduced as well as late payment fees and etc....
feel free to contact me in regards to all this if you like.... |
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donsabe
 |
This is a legal question for a qualified attorney. |
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resource man
|
http://andycaine.approval4u.hop.clickbank.net
might be helpful |
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icsowesmemoney
 |
WHIT THE NEW BANKO LAWS IN PLACE IT MAY BE HARD FOR YOU TO FILE. ALSO KEEP IN MIND THAT STUDENT LOAN ARE A NON-DISCHARGEABLE DEBT IN ANY TYPE OF BANKO.
I WOULD CONTACT A DEBT CON. CO. AND SEE IF THEY CAN HELP YOU. I AM NOT A BIG FAN OF THESE BECAUSE THEY HAVE SUCH A LOW SUCCESS RATE. MOST OF THEM CHARGE AN ARM AND A LEG. FIND ONE THAT IS NON PROFIT. STAY AWAY FROM THESE BIG ONES THAT ADVERTISE ON TV, THEY ARE TROUBLE.
GOOD LUCK! |
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roshadea
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Consolidation baby!!!! If you really feel there is no other alternative you can file bankruptcy and have to wait 7-10 years to get the same treatment as everyone else in the financial world. |
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balmoralbalmoral
 |
Hey, don't stop now!!!
Just keep adding to those charges babe.....
Your on a roll!!
And as far as your credit is concerned, you can just forget that!! You'll never recover from your mess anyway..
Enjoy!! |
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slp
|
I would consult a debt counsellor. After all they are the experts. Remember when you file for bankrupcty your credit rating is in the tank for 7 years. You won't be able to get a loan, mortagage or even another creidt card (even if you get back on your feet). |
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BobTheBizGuru
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You should be able reorganize your debt and pay it off in a couple of years, 10k isn't worth taking out bankruptcy in my opinion. There are free credit counseling services in most cities, please talk to them before you make your decision. You might have to get a second job for awhile. It's not the end of the world. |
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Excellent Credit Service
|
A bankruptcy stays on your credit report for 7-10 years.
Your debt is around $10,000.00, that’s not unmanageable.
Before you go all the way with the bankruptcy, try calling your creditors and let them know the situation. Set up a payment that works for you, if its even $25.00 a month to start. Most creditors will work with you but they want to know you will pay back your debt, so if you make the a repayment schedule stick to it.
If your debt has gone to collections call them, but don’t be intimidated by them, stand your ground, they will try to bully you into paying more than you are able too. |
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