 I want to consolidate my credit cards? |
| I have about $12,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about $10,000. I am paying the minimums and have a good credit score (730), but my ... |
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 HOW can i improve my Credit? |
| I have no credit cards. I have no loans outstanding. I do have a past chapter 13. Paying on al old accounts. So what else can I do to improve my credit..... |
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 I have 16 credit cards.. Is that bad? |
I have 16 credit cards, however, 2 of them are Business Cards (so they aren't even reported to my consume credit report, but instead to a Dunn and Bradstreet credit report?)
I have 14... |
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 When paying off a credit card, is it better to close out the account or keep it open? |
| I got a loan to pay off all my debt and am not planning on using any of the cards ever again. Which looks worse on my credit: keeping the cards open but not using them, or closing them out ... |
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 What happens to an existing car loan if I were to buy another car? |
| I bought a car in 2003 and owe about $8000 on it but am thinking of buying a new one. What will happen to my existing loan if I were to buy a new car? I would still owe that right? Would they just ... |
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 Craigslist Scam? |
| Hey everyone, i sold a phone on Craigslist and a buyer was interested so he sent me an email saying that he would send me a check for $2,500. What i am supposed to do is cash the check, take $200 ... |
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 Can someone give me some suggestions on how to get a collection agency off my back? |
I have a collection agency thats bugging me on paying off my Visa credit card and at the present time, I just don't have the funds or anyway of paying it off...
They keep calling me ... |
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 What is 28% of $200.00? |
| I have a credit card and Iam also trying to figure out how much I will owe If my APR is 28% and my balance is $200.00.... |
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 Credit cards? |
| if i had a credit card, would i be charged interest even if i didn't spend anything on it?... |
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 What is it with all the stuff about paypal? |
have i missed something??
Additional Details
it's doin my head in ... |
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 Are there any credit card companies that will let a 17 year old sign up for? |
Are there any credit card companies that will let a 17 year old sign up for?
If you know of one please leave their website address below.... |
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 I have no credit rating how can i get a credit card? |
| i cant get a card anywhere because i have no credit rating. how can i get a credit rate when nobody will give me credit. what do you have to do!!!... |
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 Aren't credit card companies some of the biggest crooks around? |
| I just went over on my credit card by a few dollars because the company decided to give me a 34 day billing cycle this month. My interest was 181 and I only had 177 available credit. I paid enough ... |
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 How do I pay off $190000 in studen loans? |
| So, when I took out $175,000 in student loans to get through lawschool, pay back didn't seem like it would be a problem. However, I have graduated to a bad market and with substantial health ... |
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 I owe $100,000.00 on 22 credit cards. However, I can't afford to pay them. What legally can they do to me? |
| I know they can sue me in civil court and get a judgement against me for the owed amount plus other fees. I wouldn't even be able to pay the judgements! Will the judgement cause me to have my ... |
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 Are there credit cards for people with bad credit? Where do I get one? |
| My life is more established and I would like to get a credit card. However, I have bad credit, is it possible to get a credit card? Any suggestions...?... |
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Taste♣of♣Metal | What happens when you just stop paying on a credit card? |
Seriously, I have bad debt once out of college and this one card has a pretty high limit and it's maxed and I have tried calling them for assistance but they refuse to help me out and lower my payment.
I'm just curious what will happen besides ruin my credit. And spare me all the "you should pay back what you owe" I am quite aware. |
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LabRat
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You get calls to your home and likely work, constantly.
Did IT work for a call center that did that, and some of the people actually enjoyed going after people like you, so seriously expect some crazy stuff.
Depending on the amount and timing, they might go to court. But it would have to be a fair sized bit. |
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Lehua
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Well it will seriously affect your credit score. Most places want to run a credit check on you just to rent you an apartment. If your credit is bad they won't rent to you. You won't be able to get a vehicle unless you can pay cash up front or get someone to cosign with you. You won't be able to buy a home anytime soon because no bank will touch bad credit with a 10 ft pole. If you get married you will pass your crappy credit on to your spouse, even if they had good credit before they married you. That can cause tension in a marriage. Being blocked from your goals because of a silly decision you made when you were younger, can be very embarassing and stressful later. |
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americanfreeman
 |
Besides ruining your credit, they will get a judgement against you and garnish your wages for any job you have for the next 7 years. They could also take any assets you own.
The ruined credit could stop you from getting a decent job as most companie run credit checks now a days. |
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Sally
 |
Just curious but would you just stand by and accept it if your pay were suddenly cut because your employer was having a bit of trouble meeting payroll or would you start fighting to get what you were owed?
They can take you to court get a Judgment then help themselves to your monies or in most states a part of your wages. Companies ARE beginning to take folks to court over these debts more and more now. At minimum they make your life hell with phone calls home, work .... |
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The Divine Bubba Blue
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They can get a judgment against you and garnishee your wages. Depending on where you live that could mean that they take everything but $300 a month from your net income.
Have you looked into debt consolidation or credit counselling? |
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robert C
 |
you are just a number in a computer base, when you stop paying the interest is added on , which can be as high as 22%, so you can see the mess that you are getting into, you don't ring the card cos. go and see your bank manager personally, many of them will help you work things out. if you don't pay your name goes onto a nation wide credit risk data base, so in 10 yrs time when you want a home loan , car loan. uh uh,sorry no can do |
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vincent
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for a while they will say your in default and simply charge you late fee's and the maximum apr allowed by law, and probably allot of collection calls, then you will get a charge off on your credit report and if the amount is high enough they might sue you |
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Rorschach
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Oh...
Their going to get their money..
They dont just say "Ohh..well...she's not paying...guess we aint gonna get it"
They'll get it.. I'm sure theres a legal way they can go about it. |
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Bozo C
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I have stopped paying those low life's and the battle with them has been fun! Look at it as a war and use all your assets to give them a hard time. Let the games begin.....and good luck friend. |
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Catherine T
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Sounds like a good Idea to me. Honestly there is nothing the credit card companies can do about it besides trash your rating. They really don't care about you, just your payment. It is really a way of indentured servatude. You have essentially enslaved yourself only mentally. Physically they can never send you to jail for not paying. There is no debtors prison. So go ahead and charge away. But first apply for as much as you can get. The credit cards just make up that money out of thin air anyway. Its unsecured on there end as well.
Find out how you can have your life back by taking the right step to do your credit card debt settlement. It is easier than what you thought.
http://creditcardebtreduction.blogspot.com/ |
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Stu T
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They will charge you a fee every month that you are late or dont make a payment which will put you over your limit which they will also charge you for. Before you know it you will be oweing hundreds more than you do just now. The best thing to do is not ignore it but pay it off as soon as you can. I learnt the hard way |
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Baby Girl # 1 due May 20, 2009
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WELL.... WHEN YOU STOP PAYING... THE COMPANY WILL SEND YOU TO COLLECTIONS... AND YOU WILL GET CALLS FROM THE CREDIT CARD COMPANY ALL DAY AND NIGHT (EVEN SUNDAYS) UNTIL YOU PAY OR UNTIL YOU GET A BANKRUPTCY LAWYER,,, IF YOU FILE FOR CHAPTER 13 BANCKRUPTCY, THEY WILL DISCHARGE YOU OF ALL YOUR DEBT.... AND THE CREDITORS WILL STOP HARASSING YOU.....GOOD
LUCK!!!!!!!!!!
CORRECTION ITS CHAPTER 7 THAT DISCHARGES YOU OF ALL YOUR DEBT...SORRY.. |
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silverlining
 |
You need to call and speak to a credit councilor. There are many free counceling services. They will tell you what you need to do step by step. Best to do this before you get too far behind in your payments. Some will even call the credit card company for you and negotiate.
A few of the things that can happen when the lender sues for the balance owed and wins:
They can garnish wages, levy bank accounts, put a lien on any property you own, force you to liquidate assets. There may be some property that is exempt. The credit councilor will let you know what it is.
Take Care and Good Luck.
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snowboarder_bbe_69
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THEY TAKE YO SH*T!
like i mean, they shove a tube up your **** and just keep on pumpin! |
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