 Where can I get a loan with bad credit and no home to secure the loan? |
| My credit is in bad shape due to the marriage I was in, dose any one out their know any way to get a loan with poor credit and no home to secure the loan. I want to start a new life and get my ... |
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 How the heck do I get out of debt??!!!? |
| I don't know what to do! Any sugestions would help!... |
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 A debt collector called today about a debt included in a bankruptcy 10 years ago. What do I need to do? |
| The collector called when I wasn't home. He answered my husbands questions about what he was calling about. They want me to call back and give the discharge # and lawyer's name. Can I be ... |
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 What helps your credit score more? |
| Paying off collections, or opening a new line of credit? I have medical bills in collections ... but qualify for a credit card. Obviously both would help the best, but it will take me a while to ... |
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 Is it possible to talk to my bank and ask for a lower payment in order to avoid foreclosure ?/? |
what are the odds of my bank giving me a lower payment in order to avoid going into default ??
My payments are $3100 per month, MY retirement is only $2000 per month , the money that I ... |
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 Can i use my Dad's credit card? |
| Ok so im going to be buying a cell phone (i already have one, but i want a new one). My dad gave me his credit card to do so, as i dont want to use bills to pay for a 300$+ phone, a cc is a whole lot ... |
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 I owe 6000.00 on my American Express Credit card and I dont have a dime to pay on it.? |
| I havent made a payment in 3 months and I dont know what to do because the money is not there to pay it. Please help. I am desperate. They are calling me like crazy and I need to know what is going ... |
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 How can I get credit when no one will approve me for anything? |
| I can't get any loans or credit cards or anything due to lack of credit. I put down a $300 deposit on my cell phone but come to find out they don't even report good payment.... |
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 English grammar problem, pls help.? |
Currently, I am attached to a bank as an credit analyst
or should it be..
Currently, i am attaching to a bank as an credit analyst
which 1 is correct or both of them ... |
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 Can loan companies etc actually see your credit record? |
| Or are they only given your credit score? I know I can view my whole credit record online, but can companies you are applying for credit with do the same? Can they find out how much you owe other ... |
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 A collection agency is threatrening to sue me over 200.00 will they sue over such a small amount? |
| i really cant pay this debt right now and i always thought they wouldnt sue over such a small amount. but they are threatening to.... |
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 Bank of american took my visa card and i allways pay my bill is this fare? |
| ill allways paid my bank of american visa on time and in advance now there takeing my card is this fare?... |
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 What happens to you, when you quit paying your credit cards?? |
| Hi everyone. Im 19 going on 20, and I have 14 credit cards. For a long time my ex boyfriend was paying the minimums each month and now that we have been broken up for a long time, he no longer ... |
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 When you cancel a credit card do you need to have it paid off first? |
| I have a couple too many credit cards and I'm having difficulty keeping on top of the bills for them. If I want to cancel a couple of them do I need to have the balance paid off first or can I ... |
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 Would you report your own mother to the authorities for identity theft? |
| my mother has open various account under my name and now they are into collections. i dont know what to to becasues i couldnt live with that in my concious all my life......but then on the other ... |
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 I have received a letter address to my name but to the wrong address accusing me of being in debt and taking? |
legal action - the postman has given me it based on my surname - do i have to pay the debt?
Additional Details
It is not my debt - I have never been a customer of this company.... |
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 What is "APR" in reference to my credit card? |
I just got my first credit card, and it says my APR is 21.99%.
My boyfriend tells me that whatever I buy, I have to pay 21.99% of whatever I bought to the credit card company...which ... |
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char bear | What trouble would a person be in if they did not pay for a credit card.? |
My freind has become very ill with a mental illness and is on a very small pension and has offered the company what she can afford and they will not accept it and keep calling her and harassing her.What can I tell her to do...she has no pc therefore I'm trying to get help here for her... |
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manabovetime
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She should write them a letter instructing them to stop harassing (her right).
She can contact a credit counseling service who will negotiate a reduction of the debt, or she can file bankruptcy if the debt is large enough to make it worth it (filing bankruptcy implements an automatic "stay" preventing the banks from doing anything more to her). Both are not the end of the world, and she will be able to rebuild her credit later after she's recovered, as soon as six months after discharge of bankruptcy.
Creditors are just slightly less ruthless than the Mafia. They make billions on money that doesn't exist, and get vicious when someone can't pay. Wish her well. |
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Jim
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She should first try to reach some kind of agreement with the credit card company. If that's not possible, she should probably talk with a lawyer. She needs to do something, or they may take her to court and seize money from her bank account. In any case, she can count on her credit being ruined. |
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jammer
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She should continue making small payments - some is better than nothing. Some companies can be ruthless. If she doesn't pay her credit card off, she will get a bad credit rating and will find it difficult getting finance ever again. She should cut her credit card up and not use it again if she can't pay the minimum payment due. Some people never actually pay their cards off in their lifetime, they just keep accruing interest. |
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welltraveledprog
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Depends on the amount she'd default on.
If it's fairly small (under $2000 or so), the company will harass her for a while, but eventually just write it off and stop bugging her. It will damage her credit, but won't have any other bad effects.
If the amount is large, they will sue her, and almost certainly get a judgement against her. With that in hand, they can legally have her income attached, her bank accounts, any money she may have to pay the debt before she gets her own money.
I'd suggest contacting one of the credit counseling services, and asking them to get involved. They can often get a card company to delay payments, stop accuring interest, or even write off the debt with a promise of no legal action. Given her situation, I'd say the chances are good she can get them to leave her alone and have the debt written off with no bad effects other than a black mark on her credit. Do an internet search for "credit counseling services" and you'll find some local to you. Good luck to both you and your friend. |
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Curly Sue
 |
Talk to a lawyer. She can file bankruptcy. She can get on a paid plan with the credit cards companies. She can talk to the credit card representative to make arrangements. She can paid what she can each month on the credit card. |
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aliciarox
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She should continue with the small payments that she can afford, that is better than nothing. If they continue harassing her, there is really nothing they can do, she is making payments and a person's pension cannot be garnished. In the meantime, she can screen her calls either by letting them go to voicemail or if she has it, call display. |
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scottcasimir
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well a good thing to do would be to contact one of those nonprofit organizeations that will reduce credit card debit and the payments. there are even government grants for mentaly disabled people to help payoff credit card debit. |
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BoomChikkaBoom
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She can tell them to stop calling and communicate in writing only.
She can also take the bull by the horns and call them and ask for a supervisor, explain her situation and make payment arrangements she can afford. It is fairly easy to get interest stopped.
Unless it is a large amount, they will not sue ... but her credit will be ruined. |
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Don't Know
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She borrowed the money - she should pay it back. If she can't pay in full, she should call the company and try to get a more affordable payment plan. Most companies will try to work with you if you work with them.
She can go to consumer credit counseling service - again to get a payment plan she can afford.
Otherwise she can declare bankruptcy. |
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mandabear
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Unfortunately she's done what she can personally do as far as trying to put together a plan with the credit company. Maybe look at talking to Wells Fargo or somebody more flexible about plans and transfer the debt owing to them, just explain the situation. Credit companies will usually transfer credit and open you an account with them because you are giving them the interest and you have already been approved for the credit limit. Also just watch like FOX or something during the day, I've never called the phone numbers of all the creditors or solicitors but maybe they could give you a hand. Worse comes to worse she delcares bankruptcy and it appears negatively on her credit for 7 years. The larger the amount is, the worse it will look. Sorry the news isn't easy things or very good news, but unfortunately credit is not something that is very easy to deal with or to have a quick fix for. Hope this helps. =) |
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First Lady
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The CC company will turn her over for collections. Then they'll eventually sue and win a judgment against her that can eventually lead to garnishments and liens on assets. Depending on her financial situation, it might be best for her to file bankruptcy or try to consolidate her debts. I don't know if they can garnish a pension. They couldn't if she's on disability, BUT they CAN seize money after it's been deposted into a checking or savings account. I know that from experience. A guy at my bank told me that they can't touch social security, but they can after it's in a bank account. |
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lunatic number 100
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Your things will be seized!!!!!! |
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Doug W
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Her credit will go bad and they will try to garnish her wages, if she's not making any money, then they'll eventually writer her off as a loss.
Have her keep making payments on it, even if they are small payments. if they refuse to accept those payments, then she should consider the bill paid in full.
Keep any and all corespondence just in case. |
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