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Additional Details
as in Gas Bill for Home or Electric Bill for home.... |
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dave49310 | What can I do to get creditors off my back? |
I lost my business, now I have 3 different creditors on my back. one for nextel for like 350, one for target that's about 800 and one for a water cooler that's about $100. I told them I lost my business, so with what little money I have coming in goes to food for my wife and I, electricity, gas for our cars. what can I do to get them off my back for 6 months till I get a new business going? I'm not going to file bankruptcy for this. it's like less than 2g.
and if you say just pay them, tell me how. |
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hasdad62
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Just dont answer the phone. They cant collect from you if they cant talk to you. The bills wont go away, but will probally buy you some time. |
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john n
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Chances are that if you make some kind of payment arrangement for a minimal amount every month they will leave you alone.
I'm pretty sure that if you look carefully at how you spend the money you have you could find a way to scrape up the $50 a month that you would need to buy you some peace. |
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Exotic81
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Call them and try to work out a payment plan. |
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Dr. Ernest J Folk
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Call them and arrange a payment plan. If you don't have the money now and you will like six months down the line, file for a forebearence with them. This will allow you to stop payments for financial hardships reasons for a couple of months. It prevents your credit from being destroyed. However some companies do not allow you to do this. Some of them charge you like 150 dollars for the forebearence fee. If this doesn't work, you can always try and ask that wealthy family member if you have one. I remember when I was in severe debt a couple of years ago, nobody in my family wanted to help me out. But eventually I negotiated and payed them off. |
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duck_fook2000
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tell them you want to sign a prom note for the balance over the next six months. Pay it out, they can not and will not wait forever, it will only go up if you do not pay. |
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bleh
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See if they can lower any balances after explaining your situation. Explain you want to pay them off, but you can only pay a very small amount for about six months or so (say what you feel comfortable with).
It is never good to ignore the creditors.
Debt consolidation services can often be more harm than good. It puts a bad mark on your credit report. See if you can take care of it on your own.
Can you borrow some money from a friend or family to pay a downpayment to help your cause with the creditors? |
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kwflamingo
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Start a payment plan - even is you send them $10.00 a month, it will lower your balances and before you know it you will be paid up. It will also show good faith and not hurt you so much when you try to get another business going. |
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darkangelblue13
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call them and tell them your situation and see if they can work out a payment plan with you.... |
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Akitas are Bomb
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If you can send them at least 10.00 a month they have to leave you alone. They will tell you they can not accept anything less thena certain amount but if the cash the check then they can not longer keep calling you as long as you keep sending something. I am sure you can find an extra 30.00 a month. |
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the d
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No, do not declare bancruptcy for $2,000 Heck it' cost like 500 biucks just for the attorney to do the paperwork.
Fist off why aren't you looking for a job, you need money to make money so why not do that.
Maybe sell one of your cars.
you need to pay these quickly otherwise they will as written in the fine print, charge you allkinds of late fees that could double the amount owed in less thsan two months. |
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Ben Dere Dun Dat
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(1) You will not be able to get your creditors off your back until they're paid, but if you make the gesture of sending them something every month, then at least the won't hassle you so much. Tou need to write a letter to (or visit) their credit department, explain your situation, and give them some sort of proposal for re-payment, like $20 per month or something.
(2)There are companies all over the USA who will help you resolve your credit problems for a small fee (some do it free if you can prove hardship), typically by consolidating your debts under a single loan. This is not a bad way to go, and by paying off this loan you can re-establish good credit.
(3) Learn how to control your spending. If you can get along with one car instead of two, sell the extra car and save the insurance, registration tax etc etc. Reduce your utility bills by using less electricity and gas. Turn down the thermostat and wear a sweater. Turn the TV and computer off when you're not using them. Sell stuff you own but don't really need, even if you have to take a loss. Stop all subscriptions to magazines and newspapers. Stop treating yourself to Starbucks and other high-priced habits. Buy less prepared foods (canned, boxed, frozen) and make stuff from scratch. You can cut your food bill in half if you learn how to cook.
(4) Take a restaurant job that offers a free meal in exchange for each shift worked. That will provide some income and cut your food bill while you try to start a new business. I actually paid off a $8k loan on a $7.50 per hour part-time pizza parlor job in less than a year by cutting my expenditures to he absolute bare minimum. It wasn't fun, but it was do-able, plus I met people who are still good friends many years later. |
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Sgt Big Red
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You might try and get a loan from the bank or credit union you use. The amount you owe is too little to be that much of a risk. Explain to them what you plan on doing for another business, explain why the last one failed. This will show them you have at least enough intelligence to be a business owner.
If you file a good business plan, they may even help you with funding the new business as well as pay off the old debt.
Or another approach, sell some of your assets (cars, the water cooler, etc). to pay them off and get them off your back. |
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mycredit wealth,com
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First thing I would suggest is sending them a letter asking them not to call you and to contact you by mail only. (the agents that call you by phone are on commission and will lie to you.) If you going to file BK let you lawyer sort out the rest.
If you have any questions let me know.
ryan@robertscreditgroup.com |
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tom_gpp
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Was it a corporation or sole prop? If it was a corporation tell them to f... off. If you PG'd anything, you'll have to pay eventually. My suggestion is the next company you incorporate and keep the liability off of you. |
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ajf185
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my husband's a debt collector for an Englishbank, and one of the ways to settle up is take out a loan (home equity or otherwise), use it only to pay the debts and slight expenses, pay most of it back and then have a smaller fee to repay as you would a normal loan at the end of the term agreed. The other way to do it is to claim bankruptcy, but that's a risky thing as it mars your credit for nearly 10 years and affects everything you do until your slate is cleaned.
Good luck! |
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jmhhansen
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tell them you put all your bills in a hat and pick one, and if they keep bothering you, your not putting their name in the hat |
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