 Am I still responsible for 15 yr. old personal loan not paid and charged off? |
| I took out a personal loan 15 yrs. ago for about a $1000 that I blew off and never paid. Now I'm getting a notice from a collection agency that wants the money back plus another grand in ... |
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 Is there any way out of our financial nightmare?!? |
This is a long one so bare with me!
About 3 years ago now my partner and I bought a flat. We were first time buyers and had no savings but were desperate to get on the property ladder so ... |
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 Is it ok to throw away your bank statements from a previous bank? |
| I just switched my banks, and I was cleaning out my stuff and I have ALOT of old bank statements (it just shows the transactions Ive made and stuff) but I wasnt sure if I should keep them or is it ... |
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 Ok, so I'. 13 (almost 14) and I'm trying to find away to earn some extra cash...? |
| So I'm really into fashion (high fashion, not stupid trashy teenager fashion.) and I've been designing, cutting, sewing for ages. Lately I've really been low on cash. (since it was C... |
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 Why do banks get away with ripping off their customers? |
| We all have to have a bank account these days. The days of getting your wages in cash are long gone. So we are all at the mercy of the banks. I changed jobs recently and when asked for my bank ... |
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 Kids make money fast?? |
My daughter( 12 years old) needs to raise £300 before april begins.Help!
Additional Details
For Christina,my daughter wants to hire a limo for er thirteenth ;)... |
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 What happens to my mortgage if Countrywide goes into bankruptcy? |
I read in the news that shares fell, and company could declare bankrupcy..would my mortgage(s) be affected as far as terms/rates?
Additional Details
I read this on latimes/cnn/thestreet.... |
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 I have an opportunity to pay off my mortgage- $280,000 left on it.? |
| I feel like I would feel more secure with no debt. My husband would like to invest it - so it will grow. I think we should take the money we usually use for the mortgage payments and invest that. (A... |
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 I need help saving money? |
This is a rundown of what we spend each month, our income and what we have left over:
Rent - 850
Debt Consolidation - 260
Credit Cards - 40
Electric/Gas - 35
Netflix - 1... |
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 How do I get out of debt? |
| I am in debt over my head, my boyfriend helped me rack it up but doesn't think we need to pay it back, It is all in my name and my credit is very high but because I am paying late it is going ... |
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 Can you believe the nerve of the Dept of Social Security, they asked me to get a job? |
| and they tried to insinuate that i was a leech on the country.....i and my wife have never worked but this is how we like it, we like to spend our time at home with our kids, something these so ... |
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 I have found a website which can make money upto $1000000000?? |
| I have found a website which can make a person money upto 1 billion dollars? But it is $10 to join for membership and it guarentee earning. We have to reffer people to it and we get $1 for it. Like ... |
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 Own five acre's in Florida an two manufacturer homes on it need loan? |
| HERE IS THE QUESTION HAD HURRICANE DESTROY HOME IN 2004. INSURANCE CO. DIDN'T GIVE US ENOUGH MONEY SO HAD TO MORTGAGE FIVE ACRE'S TO GET MANUFACTURED HOME, THEN MOTHER MOVE ON LAND AFTER SHE... |
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 How do I keep myself from being a compulsive spender? |
I know I have to save money for a vacation, but I dont know how to actually save money because we are not allowed to keep money in the bank "personal reasons" How do i do it?
A... |
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 If you buy something on ebay can you send cash to him/her? |
Additional Details
and if you can do have to send the enevelope witha stamp?... |
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 Is arguing over money worth divorce? |
| We are losing our house to foreclosure because my husband wants everything all at once.He wants new cars and the best of everything.I save money for a rainy I buy stuff on sale have the same car I ... |
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franics n | I own 1500 in credit card . should i get one credit card to pay off all my other credit card bill? |
so in case i would have only one bill to pay instead if 3 different card bill |
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Ronbo
 |
Look for cards that offer 0% on balance transfers.
This will save you TONS.
I had a couple cards much the same way. I went and got Am Exp Blue that gave me 0% on balance transfers... Transfered the balances and saved probably over $900 last year.
This month I will make my last payment on Am Exp Blue and will be debt free 16 months earlier than if I kept paying all those balances separately. If you take a loan out as someone here suggested, you are still going to pay interest.
The key is, when you transfer the balances, do not use the other cards. I cut mine up and closed all but one account. |
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misskitty
 |
Only if the interest rate is lower and make sure they don't charge you a fee to open the account. I would take the highest rate card & see if you can't transfer it to your lower int rate card. Whatever you decide to make this work you can close these accounts now so you won't or can't charge them back up. |
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Jay P
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That's dumb. |
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Reena
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Not unless you can get a card that offers a very low interest rate and a very high credit limit.
While it sounds good at first to put the whole amount on one card you have to remember that doing so might max out the new card and that can immediately trigger a reset on the interest rate for that card.
Unless you can get a card with a credit limit of at least $5000 and a low to zero interest rate... don't do it.
You do not want to use up more than 30% of a card's credit limit nowadays. Otherwise your creditors look at you as a credit risk because you are getting over the "comfort" zone and use up too much of your credit limit. |
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Hextor Z
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cards.hotusa.org - try this one. You can compare different credit cards and choose the best one for you to transfer funds.
Some of them accept everyone, even if a person has bad/no credit. |
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Anthony D
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Ok, you need to get a hold of your credit, sooner rather than later. Yes, its a good idea, if you can get one of the cards, with no interest on balance transfers for at least 1 year. Then you focus only on paying off that debt, in the year, and no more purchases.
Trust me, going into credit card debt is a nightmare. You want to have 3 credit cards, tops, if you have more than that, you need to close those accounts. 3 is probably 2 too many. You should never buy on a card, unless you can pay the balance off at the end of each month, never carry revolving debt. Some cards give rewards, and that can be nice, as long as you are not ever paying interest/service fees. If you can't afford it, DON'T BUY IT.
Simple as that. |
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ktann
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SUZE ORMAN. |
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Jgirl
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I would get a new card and transfer to all to that. Find a card that has a low interest rate on balance transfers. Try applying for an American Express Blue card.. the balance transfer rate is 2.99% |
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lendawg
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No, the difference in interest isnt going to be much, dollar wise. First cut up the card. The try and cut back on some expenses and pay double the minimum every month, or more if you can. The balance will get lower and you'll be debt free soon enough. This will enable you to live happily instead of debt ridden. Good luck! |
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hairhorn
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NOOOOOOOOOO
That's the fast track to bankruptcy.
If you can't afford to pay your bills, get a regular bank loan or a line of credit. |
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lalaland
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NOOO!!! Because then your stuck in the same situation. It's a very common mistake. Then how are you going to get the money to pay that one. It's a cycle! |
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Tom and Aimee N
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Heck no, why waste a good thing. Get the new card and max it out, then tell that company to get in line with everyone else, and thanks for the TV set.
Then wait a few years down the road and call a settlement company and pay only 50% of the balance.
That's free money!!
Credit means nothing for me. Mine stinks horribly, but the last 3 cars I've purchased I've just had to but down a big chunk. Money talks. So get some! |
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