 Hey, can I borrow about 10 grand? |
| Seriously, can I borrow about 10 grand (USD)? I'm good for it. Great background, family man. I was just taken advantage of by an ex and credit was ruined. So...can I?... |
|
 How can a 14 year old make money online? |
is sendearnings.com legit?
im kinda scared to try it cause i dont want viruses or my info stolen.
Additional Details
yeah if you have any experience from any sites can you please ... |
|
 Info on Debt Consolidation Companies. Our Debt is getting out of control!? |
| I can't seem to catch up on the bills after loosing my job. I am working now, but paying many bills "late".... |
|
 I need a fast way to send money to someone online? Any Ideas? |
Pay pal would work...but it takes a few days I think.
Is there a way to send money to a person right away on line ...you know like western ... |
|
 Loans for really bad credit? |
Additional Details
i need a loan and i am a tenant i am in full time employment earning 1651 a year ??... |
|
 What if married women with kids stayed home? |
| There are those trades that are in very high demand that pay very nice salaries such as truck drivers and nurses. It's difficult to fill slots in those two examples of jobs and for that reason ... |
|
 I have been designated to receive 10 million dollars from LMT Groups in Edgbaston,Birmingham,B15 2TT,United Ki |
I have been designated to receive 10 million dollars from LMT Groups in Edgbaston,Birmingham,B15 2TT,United Kingdom by request of Mrs Mayers(She has an account at LMT Group).
The Bank LMT Group ... |
|
 How do you make money as a 13 year old boy? |
| I live the suburbs of Central California... I owe my parents a lot of money... And i need to know how to earn some of my money back... Not from them only but just how to make money in general... so i ... |
|
 Best place to look for lost wallet? |
| im desperate, any help would be ... |
|
 Earn money fast and free online? |
| do you know a way to get the highest payout and paid daily??i really need to make money fast please ... |
|
 What should i buy with 150$ cash? |
i dont know what to buy???
ideas
thnx!
sophia g.
p.s. ive already got an mp3 player laptop, tv and cell phone!!
Additional Details
im 14 ... |
|
 Paying cheques in? |
| When you pay a cheque in with the bank, do they pay the money into your account and then go about getting the money from the other person? Or do they get the money from the other person first and ... |
|
 Help. My mom is in debt & can't afford to send me to school or buy food, or anythingg. PLEASE HELP!? |
My "dad" cheated on my mom & left me my brother and my mother for some other girl. He barely gives us money to support us.
My mom can no longer afford food, gas, school fees, ... |
|
 Where can I exchange coins for bills without using coinstar or wrapping at the bank? |
Preferably some method that doesn't ask for a fee...
Additional Details
In Houston, TX... |
|
|  |
jjp | What happens to credit rating if you go on a debt managment plan? |
I have debts of £10000 just on credit cards, i have no mortgage, just privately rent. My wages have just halved in size and am unsure if i can pay the £260 minimum payments on the cards. What would happen to my credit rating if i went on a debt managment plan?
I would like to get a mortgage eventually one day so if i can help it i would like to keep my rating ok.
Any advice?
|
 |
 
darl
 |
it will go down it will show that you cant manage your money
why not have 2 jobs |
|
Karma - Instant Retribution
|
Has a former bank advisor who specialised in debt management - here is what would happen.
Firstly a mortgage is secured on your house so that if you miss sufficient payments the lending financial institute can sell it to get their money back.
Even taking the credit crunch into account there will be lots of lenders who will let you have a mortgage, the worse that happens to you is the rate of interest you will pay. Those with good credit ratings in general will pay a lower rate than someone with an adverse rating. So dont worry about the mortgage.
Also you can approach credit management authorities who explain your situation to lenders and you may find yourself with a severe credit rating for 5 years but can end up not paying anything as the credit card companies have no choice but to wipe out your debt.
Debt management also depends on the credit card companies has it shows that you have admitted a problem and are seeking to do something about it. Which can be used has a positive sign for mortgages. I worked in a bad credit area and I had many customers who got mortgages, so presently you need to speak to Citizens Advice Bureau and get all the options.
Your credit rating prevents you from getting credit for 5 years - however there are many financial institutes who will lend to individuals with bad credit. So its ironic has the high street lenders will decline you but their subsidiary companies will say yes.
I would suggest a bit of net research on the debt management companies and what they offer you. If you can get the credit card companies to agree a set amount to repay it gives you some breathing space whilst you speak to Citizens Advice and get the name of the Credit or Debt Management agency that all lenders recognise. Sorry I cant recall it but i did have customers whose entire debt was written off by banks/credit card companies/loan houses after 2 or 3 years of lower payments.
A 5 year poor credit score is not a bad thing compared to stress - mental anxiety - problems with loved ones. Its not ideal but then you will have 5 years to manage your money and not need credit cards.
Remember a mortgage is assessed differently under a separate credit score. |
|
Colin Willson
|
It will effect your credit rating as you will no longer be paying the minimum as set out in your contract with the credit card company.
Be careful which company you choose as some charge you for this service. Go with a government backed one, assuming you're in the uk use CCCS, they don't charge they make their money off the interest they earn on your payment. Basically you pay them at the beginning of the month and they pay your creditors at the end of the month, giving them one months interest as their payment.
I've gone with one, it'll still take me an age to pay off but at least I can live in the mean time and am not just earning money to give to a credit card company who are already rich anyway. |
|
GREGORY C
 |
I have met this sort of situation before,here http://www.DebtFreetips.info/debt-free.htm is the resource I found helpful.
|
|
Lord drydreamer of that ilk
|
It will go on your credit rating, stay away from debt managing company's after you have paid there commission you will have less than you have at present, the best thing you can do is go to your bank who will try and sort something out for you |
|
Kate D
|
Well your credit rating would go down. What I find more worrying is that you have such a big debt on your credit card and that you are only making the minimum payment. Have you tried applying for a different card (I know that's difficult at the moment) but if you could an interest free period for say 6 months or so it would help you out for a bit and you could start actually repaying your debt. Or try talking to your bank and see if you can get a loan at a better rate. Don't just leave this but try to make positive changes to your finances. |
|
Help All / Helpless for myself
|
Well debt counseling is ok as long as when you decide to purchase a home the debt has been already paid off and you have received a letter that states you no longer are in debt counseling and you no longer owe th debt. It all depends on the program amount of time to be paid off and the when you had hoped to purchase a home. To be quite honest the amount of payment you send to the company to pay your bills for you shall take out their own fee to do this service for you. If I were you I would call each credit company owed and work out the situation yourself. It show responsibility and the debt counseling shall not report to credit bureau since you did not need their help and you can argue .60 on the dollar. Or you go to an attorney if to busy some of them are better at it and fee is smaller just don't let them convince you into bankruptcy. |
|
Webby_Fox
|
i work in the mortgage industry and i really wouldn't suggest a debt management plan, this day and age makes it very difficult and expensive if you are on debt management plan!
I may be able to help you, i also own a company that specalise in getting your debts settled.
there is an 80% chance that if you took your credit cards out before april 2007 then they do not comply with the consumer credit act.
check out the website to see if we can help! :)
www.redfinance.net
|
|
The Drunken Fool
|
it would plummet. dont expect to get credit for years afterwards. |
|
deja1436
|
It is possible you may be able to get your credit card debt cancelled as it may not be legal. You need to find out. This would then save you £260 a month. Contact the website. |
|
mickknjon
 |
It would be like you filing for bankruptcy. Your credit score would reflect this and no one will give you a loan for years. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 15 minutes(s) ago
| | | |
11 | 32 minutes(s) ago
| | | |
11 | 48 minutes(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
11 | 8 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
11 | 4 day(s) ago
| | | |
11 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
