 I owe $3500 to Bank of A. Can I settle with $1,000? |
| The original loan amount was $2000 and it is now $3500. They sold the debt to a collection firm called Phillips & Cohen. I have been able to raise $1,000. How can I settle with them with this ... |
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 I need a credit card I sort of have NO credit so I cant get approved! Where can I get one online? |
| I dont have credit..I have a full time job and Im a part time student...SO where online can I apply and most likely won't get rejected????? HELP... |
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 Why do people get so mad when bill collectors call them? Isnt it there own fault that they fell behind? |
| I know people have hardships, but when you think about it there was nothing in my contract with Citibank that I didnt have to pay if I lost my job..I was just wondering..... |
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| Can I pay to clear defaults on my credit rating? |
Instead of waiting 6/7 yrs can u pay to have the defaults removed?
I know it used to happen!
Additional Details
Please let me stress that I know people who have done it in the past.<... |
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 Is it true that Credit Debt will wipe itself out in 7 years? Or Should a person pay the debt to clean credit? |
I am 26 years old, and I have credit debt from the age of 19 years old, I paid a few of them off, but there is another $2,000 -$5,000 sitting on my report. What is the best course of action?
... |
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 Pay in full and receive credit or settle and cease credit relationship? |
Account is in charge-off and reported to bureaus as so. Amex is giving me 2 options.
1. Pay in full($2180) and recieve a card with them to help reestablish credit.
2. Pay 60%(~$1200... |
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 Where can i get a loan? |
| i just got married in march an i was wondering where i could get a loan 4 house an land i dont have any credit an i heard that wen u dont have credit it like having bad credit should i go to my bank ... |
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 My debt is outrageous..I am homeless and carless, how can I get help? |
I don't have the money to file bankruptcy and who can I write to absolve me of my student loans? I never had a credit card...these are mostly medical bills getting ready to garnish me
A... |
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 Cash advance online? |
| Are they a good deal or should I stay away from them need money quick. I have a job and can pay it back just can't come up with the amount I need asap. Anyone know if I should and can ... |
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 American express card? |
| My dad added me to the additional card list. I called customer service and they said that i will not build credit because my dad is the person liable for the charges. But, she said that i will ... |
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 Can anyone please tell me what stores like walmart,target,bestbuy,et... have their own instore credit cards?? |
| i need to know what stores have their own credit cards and that report the credit history to the credit bureau..i dont have any credit cause i jsut turned 18 and i read that this is one of the ways ... |
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 Grace period/late on car payment? |
| I have been sorta late on my car payments for the last couple of months, they just keep hitting me up with late fees, which is fine, I completely understand that. What I am wondering is, if I keep ... |
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 Does someone know what exactly happen when u dont pay your credit card? |
| I know this is bad but my financial situation at the moment is really bad, im unable to pay my credit card and someone told me to stop paying my credit card at all and move house.... |
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 MASSIVE CREDIT CARD DEBT? |
| I need some advice on which credit counseling agencies are the best and the most legite. I am ready to take action on getting credit counseling and getting help with my spending addiction! I live ... |
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 What if a collectors says see you in court? |
| hello i had a credit card charged off 4 years ago i did not have any means of paying it. the company said we are just charging it off. i get a call from a collector friday telling me i have to pay 2... |
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Tida | Will my credit get fixed if my ex files for bankrupcy? |
My ex used up all of his credit card worth 47K. I was an approved user of his accounts but never even swiped my card on a purchase. If he filed for bankrupcy, will my credit be fixed as well? I know we were both affected by the debts. My credit is messed up due to him.
Additional Details
We were not married. We only lived together for 2 years.
We've been seperated for 4 and he's just filed for bankrupcy a few months ago. |
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normobrian
 |
If you are only an 'authorized user', then nothing about those credit cards affects you in any way.
That being said, collectors will falsely report those accounts on your credit report in an effort to get you to pay. They know that you are not reponsible, but so many people will pay them out of ignorance, that it's worth a shot for them. What they are doing is illegal, of course, but they just claim an honest mistake and correct it if you complain.
If you signed the application, however, you are responsible for those debts, even if you never used the cards. They will go after whoever they are more likely to collect from. If you didn't sign the application, then raise hell with them and threaten them with legal action. |
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hey you
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that would be a good question for a lawyer |
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echo
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normobrian said it best.
If you were an authorized user on the accounts and not a joint user, you are not liable for them.
If they are on your credit reports, dispute them off as not in yours.
You might want to check out the site I've listed. Read the newbie forum and credit forum. |
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CHEV
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BEFORE ANYBODY FILES FOR BANKRUPTCY CHECK OUT www.jicinvestments.com FOR MORE INFO. THEY WILL SHOW YOU HOW TO GET NEGATIVE MARKS REMOVED FROM YOUR CREDIT REPORT LEGALLY. IT REALLY WORKS. |
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Ms Lady
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Whatever he does after the divorce affects only him. Just call the credit bureaus to verify. |
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Oh! The Humanity!
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Sorta...in the same way an amputation can cure a broken leg.
If you're a co-signer on any of the accounts filed in the bankruptcy...not only is your credit screwed...but the creditors will come after you alone...but he'll be free of debt...albeit with bad credit, too. |
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jannie
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that has nothing to do with you or your debts |
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pruitt.c@sbcglobal.net
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NOOOOOOOOOOOOO!!!!!!!!!!!!!!!11 |
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pappa_15
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If you were on the accounts, then you are liable for them also. Bankruptcy does not fix credit. In fact, just the opposite. It is doomed for a few years there after. You need to contact an attorney and find out what to do if he files for bankruptcy. |
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imfortunesfool
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if you were married when the debt occurred and he files for bankruptcy, i believe his creditors can come after you. |
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Island Queen
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No. Because once you were married your debts are joint. If you also incurred these debts while you were married, companies can and will come after you. Contact a good bankruptcy attorney to get the facts on the laws in your state. Usually a consultation is free of charge. |
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sugarbearsnan
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In my experiences no this will not help your credit. It also depends on where you live the State. I'm in Tx. and here it does not matter if your even divorced if your name is on the card you are still liable for the charges. If you two are married the best thing would be for both of you to file. If you do not I believe the creditors will be calling you for the debt. |
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