 Does anyone know where I can a $7000.00 loan from maybe a private lender? |
| I am trying to build my credit so i ca nt go through the bank and I am desperate. I need this money for my fathers ... |
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 Credit card debt? |
What happens if you just don't pay your credit cards and don't declare banruptsy..besides ruin your credit..what can they do to you?
Additional Details
My friend has 150K in CC ... |
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 How much credit for a home loan? |
| I am wondering how much credit I have to have in order to get a decent home loan. I only have one credit card. I pay it off on time and in full. I have spent maybe about $6,000 on it. I also had one ... |
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 How can I stop a bill collector from calling me? |
| This debt is 10 yrs old, so it is past the statute of limitations. It is not on my credit report, yet I wish the phone calls would just stop. Is there a way to do this, or sue them to stop?... |
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 Credit Card and Credit Report help! |
| I need some help with my current situation. Im 19 and I applied for 1 credit card when I turned 18 through Bank of America. I was really responsible with it, only making necessary purchases, paying ... |
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 Will my credit be affected? |
| I have a Credit One credit card with a $200 credit limit on it. The bill is due tomorrow (Wednesday, July 19) but I just mailed out the payment today. Will my credit be affected by them receiving it ... |
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 Closed hospital on credit report item item paid looking for removal? |
| My husband has two negative items on his credit report and they are medical bills from a now closed hospital. He had a staff infection and without insurance at the time. The hospital is now closed ... |
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 If I tell bill collectors that I'm dead would they stop calling? |
| I was thinking about saying "he died a couple of days ago..." when they call so they stop calling me so much!... |
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 If today is the 1st time a collection agency calls me, can they begin steps to garnish my wages by tomorrow? |
| They were very aggressive and told me that I had to come up with $1400 by this Friday. When I told them I would need more time or propsed a payment plan they furiously told me that they would call ... |
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 Can I get a loan for a small business without credit? |
| I have no credit, I still live with my parents and I have a business plan. It seems hopeless.... |
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 I Have a repo on my credit. I am now with a collection agency and owe them $4,000 Do i need to pay this? |
| I just want to know if its worth it to pay alot of money to this collection agency. I ve been told that its not going to help me in improving my credit. In my credit it shows as a charge off.... |
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 Whats the best way to build your credit back up? |
| I have $1,000 worth of credit card debt, which I plan to pay off in full tomorrow. I'm in my early twenties and don't have much credit - what I do have is riddled with late payments because ... |
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 Credit Card Applications? |
| What is the easiest credit card to get? I want to find a card with no application fee.... |
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 Is 480 a decent credit score? |
| can i get a loan for debt consolidation and from ... |
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idgaf | What do you do when you actually try to work with a creditor and they say no?? |
i recently lost my job, and i called my main credit card (with the biggest balance and biggest minimum payment) to try and get them to break up my payment (i couldn't pay it last month, around the 12th is when it's due, so now it's like 18 days late..) and today i spoke with a guy and was telling him, man, i don't want to NOT pay you guys, but i lost my job, and i just need a break... he told me i have no options but to pay it in full before 30 days or else they'll report me as past due to the credit bureaus...
i was like, can i pay half or something?? he's like NO, the WHOLE THING, OR WE REPORT YOU!!! they are SO unwilling to work with me or give me a break, and i told him, i'm sorry, but in this time, my house stuff that i have to pay for is first priority... i can live with a negative credit card thing on my record, but i can't live without food and utilities...
but he doesn't care.. is this typical?? or will they usually work with you on something like this???
Additional Details
EDIT -- i actually called about 3 days before my payment was due and told them about my job situation, and they said that's fine, i can pay part of it and pay the rest by the end of october... i paid the part i said i could, but couldn't pay the other part....
so it's not like i'm just letting it go... i WANT to pay this, i just CAN'T until i get a new job, and YES, i am actively seeking one!!! |
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coleblondehead
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I had a capital one once and there the worst bank credit card co ever. First prioritize, your mortgage comes first, the credit card companies unless you owe more than 15,000 cannot due anything but harass you on the phone or letters, but change your phone because they dont care about your situation, I had a guy call me one about 30 times and I explained to him about injuring myself and theres not job, no money and he just kept inssiting how much can you pay, so I say what part of NO MONEY dont you underswtand, well maam thats my job to insist, then I turned of my phone and bought a prepaid phone, my disability will last a few years with good therapy so by then the charge off will have passed I think its 7 years. People will ttry and make you feel guilty, oh if you spent it, you owe it, pay it back. What I spent was 1,000 and it turned into 8,000 after 4 months, wheres the fairness in that. First feed your children, put a roof over their heads, when you get on your feet, try to get a debt consolidation co to pay only haft of what you really owe. If you cant get a job, theres nothing so much a person can do. Good luck |
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freshmeatz
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When they get difficult I hang up, let them try another day , hopefully get a more understanding telephone rep. or they get a click again. cant squeeze blood out of a turnip. |
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Mintee
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are you in USA?
contact
Consumer Credit Counseling Service
CCCS. Its a non profit organization that works with state, national and local creditors along with you to help you get your debts managed and preventing bankruptcy.. (sounds like an ad doesnt it? lol)
I used to collect debts for a major department store and then after that, I collected debts on back due taxes.. I have experience working with this group.. They are well known and a very old organization.. they dont charge you, they are non profit, they can help mediate between you and your debtors.. help consolidate your debts and get you on a budget to where you pay one lump some or whatever you can handle.. they have helps millions..
below is their website and they also have a toll free number |
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Blink
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The guy you spoke to is only a call centre guy, so you could just try calling again to speak to another one and see if you get the same message.
You could also speak to the Citizen's Advice Bureau and see what they say. They can negotiate with creditors on your behalf. |
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Insomniac Butterfly
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a lot of times companies will not roll over on your first attempt to compromise. You have to keep calling and pestering them (a bit of pre-emptive revenge for the nasty collections calls they will send your way after you are 30 days past due!). Since it is not that late yet there isn't a whole lot you can do as it hasn't been sent to "collections" yet. Once you are past 30 days, they will still bully you; they may listen and sympathize but then again, they may not. Their priority is to get you to pay them all of it as soon as possible, and using scare tactics such as reporting you to credit agencies is the first method they apply to get what they want.
What you can try:
Remain calm - just repeat to yourself that it isn't personal. It is just business. That helps me keep from losing my temper.
Ask to speak to someone else. They will most likely oblige, and speaking to someone else sometimes yields positive results. Sometimes, you have to speak to several different people to get results in your favor.
Some creditors are not willing to compromise and break up payments or give you a break until you are about 60 days past due or more. But some are. It doesn't hurt to ask again when you talk to a different person.
I had to do that when I lost my job and had a car payment due that I couldn't pay. I asked the loan company what I could do. They graciously gave me 30 extra days (which I found out, was provided for in my contract, I only had the one slider and if I had been unable to pay it after that they would have repossessed my car). I had to pay more interest, but it gave me the time I needed to get paid. So, check your contract with the credit card company. See if there's anything in the fine print you can use to help you.
Another option is to call up one of those debt consolidators and see if it is worth your while to go that route. They consolidate all your debt and renegotiate the minimum payments and interest fees etc with all your credit cards, and then you pay them off instead of the credit cards. Good luck, and hope you can get a new job asap! It sux to be unemployed. :( |
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fruitie7
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Go on line and look up the FAIR DEBT COLLECTION ACT. This will tell you what creditors are allowed to do and say to you. It will also give you information on how to handle any past due account.
Second, figure out your monthly expenses, total bills and your income (you will need this anyway for Consumer Credit Counseling) and then call your credit cards back, and anyone else you owe, and ask to speak with a supervisor. Explain to them what happened, go over your finances, and see what happens. Then, put everything in writing to them that you argeed to. Also have them send you the agreement from their end.
As far as showing up on your credit report. They can report late payments when past due, depending on the creditor, anywhere from 7 to 30 late. |
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wheeliebin
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Go and see your local welfare counsellor and see if they can give you some financial advice, where they wont listen to you they will listen to the welfare people. Good luck, I hope you find a way round your problems. Have a great day. |
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heybulldog
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You can try calling back and talking to someone else but.....good luck. Credit card companies (Banks) make all the rules and can change the rules anytime they want. They dont care about you or your situation. They are snakes and will bite you when you are down.
I dont use credit cards anymore. I've learned how they work. They brainwash you into thinking you need credit cards and a high Fico (I LOVE DEBT) score to make it in todays world. LOL, thats a load of crap. If you pay as you go you will "WIN" with money.
check out daveramsey.com and listen to his radio show or watch his show on Fox Business News Network. He has lots of good advice on money and debt. |
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NEed Help ? Do you ?
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:D Here is the slicky way :D lsn what u do DONT CALL THOSE PEOPLE U GO To paypal u create an account ok, u put the credit card u in debt right now on the paypal account like u add't on. THEN U CLOSE THis window and u open www.paypal.com u create another account. u add a bank account on this other paypal account. then u request a payment from the paypal that u have the bank account on to the account that u have the card added to. e.g u request 200$ then u login from the account that u have the bank account added on ( the one that u requested the payment from ) then u open the other paypal account that u have the credit card added to u will c a new payment u have to take care off that u just requested u pay't from the card then u log off then u go on the paypal account that u have the bkk added to. then u will c a balance off 194$ beczz paypal charges 3% so.. u click on the withdraw buttom and u deposite the money from the paypal account to the bank account. then u take care of the payment either pay't online from the checking account or send them a CHECK :DDDDDD if u having a hard time getting it. 3137290091 call me ill walk u thru't :D THINK SMART. :D take care. |
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