 Should I take this offer from a collection agency? |
Recently they sent me an offer for a credit card. Here are portions of the letter that I have edited to keep this short.
Midland Credit Management, Inc. has made an arrangement with J... |
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 Where can i find a good debt consolidation loan? |
| With not so great credit and do not own home for equity.... |
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 If BOFA put me on Chex systems because a bounced check for $4k, will it show up on my credit report? |
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 So I let my boyfriend use my credit card.? |
| We broke up, and now he won't pay about three grand, is it worth taking him to court. I know I'm stupid. He has the merchandise purchased with the card, and has been paying the bill on ... |
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 Car Loan Question? |
| I bought a car a couple months ago and took out a 6 grand loan for it. When I took out the loan they said not to pay it off sooner then a year or else it will hurt my credit score since its my first ... |
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 How do you tell the man you love he is ruining your credit? |
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 I messed up.? |
| we had a bill from 2006 in our old house. the gas bill was in my then 17 (in 2003) year old sons name, because I had an unpaid bill myself. I had a lot of health problems when we moved last year, and ... |
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 My property has been foreclosed....and i am stuck with$30,000 line of credit? |
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 A man who makes 450 grand a year? |
What do you say about that? I just am curious what kind of lifestyle you envision for a man who makes $450,000 a year, and in five years will be making $900,000 year... What say you to THAT!
A... |
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 Who has gotten their stimulus rebate check?? |
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 My ex filing for bankruptcy - leaving me with the debt collectors? |
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 What should i do about debt collection? |
| About a year ago, i joined a book club, and thought i could pay the 14 dollars shipping and handeling. I was 17, and wanted to pay, but it just kept dragging on and on, also, I bought a dress that ... |
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 Does requesting a copy of your credit score, lower your credit score? |
| I've heard that if you request a copy of your credit score from one of the Main credit bureaus, it will actually reduce your credit score. Does anyone know if that is true or not? If so, how ... |
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 Low and non-existent Credit? |
How can I get a charge card when I don't have any credit and my husband's is moderate - upper 500's ... NO ONE will give us a credit card.
We really want to establish some ... |
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 Credit card? |
i never have a credit card before, and now i kind of need one because there are lot of tings that i can only buy it online.
So, please explain to me how it's works...
# if i pay ... |
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Wolfie | What's the best way to pay off 23G's of debt? |
Current APR varies from 23 to 30%, HELP!!!
Additional Details
Current apr varies from 23-30% but I don't want to consolidate b/c the cards will be closed after they have been paid off. |
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Bridget
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There are credit companies that can help you consolidate debt in to one monthyl payment. And in SOME cases they are the best idea, but you can look in too a personal loan from your bank. Often times they will have lower interest rates.
ALSO, if yu own a house see how much equity you have built up in to your house. You can borrow against that which will just put you back further in how long you have till you pay off the house.
I dont reccommend filing bankrupcy. Try these things and call a credit counsler. They can assess your situation |
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Jonathan D
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work harder and stop spending money |
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Julie
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start with the highest % and make big payments on that one and do that with each debt..and slowly lower the other debt. |
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strizzaight_trippin
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Yes you can always file Chapter 13 Bankruptcy which is where you have declared that you are unable to pay for pre-existing debts, but you must make arrangments to pay off your debt in a certain amount of time with a certain amount of money. If you want to go a different route, find a debt consolidation company. That is what they specialize in. Make sure to find a legit company, some are very shady, will take money, and will never put towards your debts. Another cut credit cards, etc. Only keep ones that you truely need for emergencies. If you are spending more than what you make, then you have another issue to address. I hope this helps! |
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huge001
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Declare bankruptcy and seek arrangements with creditors |
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thedoc64118
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Talk to a Primerica representative about it. It is their speciality. |
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misterpotato123
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23grand?!?!?! |
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Christopher Swing
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Get a job...if you have one get another. |
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do it movin'
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dude why is the apr% so high?
there's no easy way to pay that off.. all i can tell you is work work work.. you don't want that hanging with you forever.. find a 2nd job if you have to
i paid a 23k loan in 3 years w/ a 6.9% apr.. i was throwing about 600 a month.. it might take a little longer with the rate you have |
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?
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Sounds to me like you need to have them closed. If you aren't willing to close them and go through a debt management program, you better get a second job..and maybe a third and fourth. Eventually, you'll realize that life is not about how many cards you have or the things you own, if you don't work yourself to death first. |
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