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| Can someone help me find a quick personal loan, something other than a payday loan?... |
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| 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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| 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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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 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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 Is your credit score lowered when you cancel a credit card? |
| My daughter is in college and opened a low interest Citibank VISA for college students not realizing that the interest rate went up very high after 6 months. We are making more than minimum payments ... |
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| 1.when a Current Account card is given through the post by Bank you signed on to, is this card the same thing as a 'Debit Card'?... |
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| Does checking your credit score on FREECREDITREPORT.com lower your credit score? |
| I heard from friends that it does and I just wondered. And also what happens if you miss ONE credit card payment??? Please only intelligent answers, this is important.... |
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| e.g an 18 year old. living at home, therefore no bills ... |
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just a girl | 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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Brian G
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Refinance if you have to and can afford the payments. In three years, if you keep your nose clean and make all payments on time, you can refinance again with a much better credit report, therefore a much better interest rate. If you file for bankruptcy, it will be on your report for seven to ten years, and you are still going to be paying a high interest rate. Bankruptcy should always be the last resort. |
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redvelvetflames4ever
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I agree with Maria. File Bankruptcy as a last resort. I filed almost two years ago when I found there was no way out for me due to exorbitant medical bills and debt my deceased husband left me with and I had no idea about. Including my school loans (which cannot be included) I was in debt over 100k. Is it something you can pay off? Or is it an exorbitant amount you are looking at? As for Scotty. Bankruptcy is NOT a LAZY WAY OUT!!! Unfortunately, some people have no resort but to take this route. I never had on my to do list "When I grow up I'm going to file for bankruptcy." Will be praying for the day when you find yourself in a hell of a bind and looking at bankruptcy court. >:-> |
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curmudgeon
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unless you owe lots of $$, don't use bankruptcy. Like over 50,000$. |
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Maria
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I would file for bankruptcy as an absolute last resort, especially if you are young. Speak to a financial adviser or try a free credit counseling service. The bankruptcy will just hold you back. |
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CountryLady
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Filing for bankruptcy will affect you for years. Avoid it at all possible costs. Try to talk to a credit counselor. Call the accounts you owe money to and try to negotiate lower payments for awhile. Look into a second part time job to add to your income. |
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nothing
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For people in your circumstances it's recommended that you make direct contact with your current lender to work out possible solutions, to include the merits of refinancing, before considering any steps towards bankruptcy. A second option is to sell the property if you cannot afford to keep it. |
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Jen
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If you refinance, it should at least improve your interest rate somewhat. Have you called a debt consolidator? I would say avoid bankruptcy at all costs. How much debt are we talking about (if you don't mind me asking)? |
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bettyboopgirl
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don't do it unless it was a necessity.
because bankruptcy hurts you until it clears of your account. |
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Gwynn T
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You should always try to refiance first! There are lenders out there that will refinance down to a 500 score. The interest rate will be higher yes, but a very good loan officer will make sure taht it will benefit you before you start the process. DO NOT PAY FOR AN APPRAISAL until you know what your payments are, closing costs, and who you are paying off.
In the United State President Bush changed some laws. One law was to toughed up on the Bankruptcies making it almost impossible to file a chapter 7. Almost all will be a Chapter 13, you will be paying it off with no time limitation (this means you can be in Bankruptcy for 3, 5, or even 10 years) either way you will not be able to refiance for 1-2 years after you started the procedings. You need someone with a solid credit background and years of experience (5 years loan officer with credit repair specialty) to determine which is the best route to go. |
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scottyusa1
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This is just my opinion ~~~ to file for bankruptcy is the lazy way out of a problem and lacks soul. If your asking should you refinance your house the answer is NO, NO, and NO again!!! Find another way. If you mean go to someplace that will consolidate your bills and charge a reasonable amount for it ~~~ I'd say YES.
Take good care ~~~ with hard work and patience ~~~ this too will pass.
AND ~~~ DON'T USE CREDIT CARDS EVER AGAIN ~~~ THEY ARE POISON TO THE SOUL!!! |
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