 HELP!! credit card debt trouble!!? |
| a relative had co-signed on a credit card for me.... the relative found out that i had accidentally gone over the credit limit (and it's a big limit) i haven't talked to the relative yet ... |
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 Credit Card Companies are Killing Me!? |
| I used two credit cards which have now decided because I was late on one, that they both would increase my rate to 30%. My balances are extremely high, and I do not know what to do. I have only ... |
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 I got new checks in the mail but I used them in the Wrong order? |
| I have had a checking account for about 4 years now, but I have never used checks. (just depit card) I ordered checks online, but the boxes came seperalty, and I used 2 of the higher numbered ones ... |
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 How do I get my 1000.00 back from a merchant? |
| I ordered a 1500.00 guitar by phone. I said I would put a 100.00 deposit down. I called 3 days later to cancel and the merchant said no way. I later find out that he placed 1000.00 on my credit ... |
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 I need to rebuild my credit!!!? |
| I need to rebuild my credit, but I can not even get a card for people that need to rebuild there credit. Does anyone have any suggestions what I can do to rebuild my credit? I need to get a credit ... |
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 Why doesn't anyone else see this? |
| I am interested in your thoughts about all the consumers who are now in default of their mortgage. Apparently, these people have no reserves, no savings, nothing upon which to draw in order to make ... |
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 What if your wife co-signed for a loan behind your back? Are you on the hook, as the husband, to pay? |
| My brother was looking over a credit report and came across an entry from a bank. His wife went behind his back and co-signed on a car loan for her brother. What are his options? He wants doen not ... |
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 Why is my credit SO bad? |
| I have never had a credit card, mortgage or car loan. I have never filed bankruptcy. I have looked at my credit report and the majority of problems are medical bills. I also have some unpaid utility ... |
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 American Express, Mastercard or Visa? |
| Which is the best credit card to get in terms of UK and international acceptance?... |
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 Where can i get a credit card with bad credit? |
| yea i was wondering anyone knew where i could get a credit card with bad credit and with no annual fee or the fee is included. thanks a bunch.... |
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 Brother that owes me money? |
| Heres the story.. Two years ago i was working full time and making good money. My brother was having financial problems. I took $5,000 of his debt and put it on my credit card so he could get his ... |
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 I have no credit, where can i get a decent credit card? |
| i have no credit yet. and i need credit so i can get certain things i want. where can i get a good credit card when i have no credit?... |
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 I was fired the day after Xmas, they said that I can reapply in 6 months. Would you go back and work? |
| for a company who completely ruined your life? Could you go back and want to do your best for this company when without even a write up or warning just fire you?... |
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 I just turned 18 , how do i build my credit? |
| what are some methods that will help me build my credit i dont have bad credit i have "NO" credit how do i ... |
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 I have no debt, only my student loan which is being paid and is not in arrears. Why am I being declined a loan |
| I was nearly fooled into Yes loans but have gone with best4loans instead. I found out they are a con too. So now I'm applying with black horse, but I'm baffled why I'm not being ... |
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 Purple $5 bank note? |
I have a $5 bill. and on the bottom right it has a big Purple "5"
when did this happen?... |
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hey hey | Suicide??? My friend is hurt and can't work. Bankruptcy is in the air. Can the? |
Can her bill collectors garnish her husband's wages? They will have no food money then or clothes and stuff. He didn't do this and he can't handle paying all of it back no matter how the budget is budgeted!! Some have suggested Consumer credit but it just won't help. They are OUT OF MONEY!!!!!! I have been talking about this for over a week. I don't see anything else for them to do? Consumer Credit is just going to make payments that they can't make. Bankruptcy has to be better than suicide that he is hollering. She can't work so don't even point the finger at her. she has had an accident and lost her arm. |
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smile4cobra
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Ok I need more info. When you say...he didnt do this. Does that mean you are saying that he didnt run it up and it was fraud?
When you say bankruptcy is in the air does that mean you filed or not??
A bill collector can garnish his wages if the bill collector sues him and gets a judgment. Can do it without a judgment. But if he has already filed BKC than the bill collector need to leave him alone.
The thing is if he didnt do it either...he needs to file a police report for stolen identity. Than send a copy of the police report to the bill collector with a written dispute letter.
If he did run up the bill and he cant afford to pay it...just file bankruptcy. Its not the end of the world??? WHO CARES??? There are bigger and badder people than you guys going BKC. Its not that big of a deal.
Its better than staying hungry. Isnt it? |
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SPIFIMAN1
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Bankruptcy is not the end of the world. From what you describe it is a option. Your friend also should look into disability through S.S.I. |
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levindis
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Bankruptcy will put all debts on hold and give them some breathing room to figure out their next step. Consumer credit will not help in this scenario because their problem is an indefinite loss of income as opposed to a situation where merely restructuring debt would allow them to clear their debt. Bankruptcy is their best bet especially considering the drastic tragedy which created the situation. |
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*Heather*
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I'm sure she could still find some type of work. If she can't what about disability? Keep hope, God won't give you a mountain you can't climb. Try bankruptcy it only goes on your credit for 7 years. Its better than killing yourself. |
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Lori K
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Yes...bankruptcy sounds like a good option, and in this situation won't be all that painful...considering. Have your friend file for disability benefits. If there is the possibility of a law suit re: her accident --- go for it. Check out government assistance for new job training. She is now one of the "disabled" and is entitled to various benefits. She should take advantage of it.
Tell her that we wish her the best.
http://www.disabilitybenefits.com/ For information on applying for disability benefits.
http://www.uswelfare.org/definition_of_disability.html?source=Adwords for welfare programs for the disabled |
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iluvmuddyjeeps
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can your friend not get disability?? they should look into maybe some can of state goverment funded program until they can get back on their feet, maybe the husband will have to take a second job for a little while. |
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The Mogwai King
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Bankruptcy is available for a reason. It will take on average 7 years to get it off your credit, but it will get you out of your debt. Some types of debt, such as student loans for example, don't get erased. Just study it. |
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angelikabertrand64
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I am sorry to hear about your friends dilemma. Many go over their spending limit now a days. Credit card's are known to be the USA biggest burden and carry high risks with them
I would recommend to find in her community following people that would help them to eliminate their debt.
1.) since they do not have any income the probably qualify for
low-income attorneys. Call your local state office for Legal Aid assistance.
2. ) Refer both partner s to some psychological counseling, to eliminate some additional stress, that comes along with being in debt.
3. ) Get a social worker involved and a financial counselor which you could find under the "Better Business Bureau."
4. ) Make sure they have all their collective bills, and anything that bill collectors sent them in a folder so that they can always access these valuable information.
5.) They are probably proud people, however they can go to Department of Work Force Services, and ask for financial assistance like food-stamps, assistance with medical bills if any.
6.) If the accident happened at her workplace they should have automatically send her to Workmans comp.
I am a retired Social Worker. So these steps I would recommend them doing. It would help if you stepped up and be the "Guidance and Enabler." so they do not feel so over whelmed.
Also Your Community Connection (YCC) is a great resource for family in distress.
Email be back, if further information is needed. Good luck!
And yes, creditors are able to garnish her husbands wages. But they can onl garnish as much as the family needs to live on income.... |
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leigha
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if u have to go bankrupt, its hard, but life still goes on, you will be ok, it is only money. |
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MommyofTwo
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You can call the electric company and they will work with you. They will ask that you pay this much by a certain date and defer your payments just adding on a little each month. Their are programs out there that she can sign up for like disability, link card, cash assistance. If you call those people and explain she should be able to get help. Depends on where her accident was. Did she do it at work. Can she sue because of her arm??? Tell her to contact public aid and they will help that is what they are there for situations like this not for people who just don't want to work. |
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∞infiniti∞
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It is only money. Bill collectors cannot garnish wages without a civil judgment. In some states wages are protected against garnishment. If she has very few assets, she might be "judgment proof". And therefore, the creditors will have no way of collecting from her even if they get a civil judgment. |
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Dennis L
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Tell her to go on disabilty!
Tell them to get a divorce! If they aren't married they can't get the husband's money. Then they can get re-married once they are settled. They don't have to leave eachother, but a divorce will let the husband keep his money. |
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Delvala
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There are plenty of jobs you can do with only one arm?
Tell her to stop feeling sorry for herself. |
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Mr. Smeef
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Bill collectors cannot garnish wages. Only child support payments can be garnished from wages. |
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M B
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Dont shop at Sears they will charge you an arm and a leg. |
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