Archive for December, 2009
Credit Debt?
Posted by admin in Credit Cards on December 30th, 2009
I have under $5000 in debt, and I want to make payments, but the payments I can afford, are not even covering the interest I am being charged. This debt was written off as bad debt, and killing my credit along with my debt growing. Does anyone have ideas in ways to get this debt lowered, by negotiating? The majority of the debt came fom Capital One and the agency who now has the account said that they will not negotiate a payment plan with me, per Capital One’s requirements. They will work with me on a payoff, but I cannot afford the payoff. Any ideas out there?
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Which is the fastest way to pay credit card bills online?
Posted by admin in Credit Cards on December 30th, 2009
I want to know which is the fastest way to pay credit card bills online; either using a Bank’s Bill Pay service or using a Credit card’s service of paying the bill online.
How can I immediately pay off a Credit Card bill (online)?
Posted by admin in Credit Cards on December 30th, 2009
I have to pay my credit card bill by today 10/12.
I was hoping there was a way to immediately pay it off. The Bank of America BillPay says it will deliver the payment tomorrow.
Tomorrow, unfortunately, is too late…
Any help would be wonderful!
Which President eliminated the “Total Federal Debt”, The Last one to reduce it?
Posted by admin in Credit Cards on December 30th, 2009
Clinton was the last one toe reduce the “Debt Owed to The Public. Fun I thought SSI was owed to the public.
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can america reduce its debt by using advertisments?
Posted by admin in Credit Cards on December 30th, 2009
not saying that im for or against the idea, but could federal or local governments in theory use advertisements on things such as money, police cars, the flag, etc. to help debt/program funding??? is it unconstitutional? also, do you know of any politicians who may be for this kind of legislaure?
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How can I fix my credit debt that my parents messed up?
Posted by admin in Credit Cards on December 29th, 2009
When I was younger about 14 or 15 my parents got credit cards in my name (which i think is illegal but it was to help at the time) but hard times hit and they kept using them although we didnt have the money. So eventually she stopped using them but now im way in debt and they cant afford to pay it off and neither can i ( i am only 19 years old).
i cant get a decent apartment or get credit cards and some jobs that require a credit check… cant get those
im going on a trip to cancun but i need a credit card but i need to fix my credit which is the most important thing to me right now.
if i get legal help my parents could get in serious trouble which of course me being their child i dont want
can anyone help at all?
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If you get a credit card to establish credit like at 18 years oldand you pay your credit card bill on time for
Posted by admin in Credit Cards on December 29th, 2009
If you get a credit card to establish credit like at 18 years old
and you pay your credit card bill on time for a whole year, then what will you
credit score be after that year if you started with zero credit?
should i use my savings to pay off most of my credit debt?
Posted by admin in Credit Cards on December 29th, 2009
So I have $4000 of credit debt. I’ve got a payment schedule that the monthly minimum is about $100, but I usually send in $300. I make about $1600 a month after taxes, so it manageable.
I have $2500 in my savings account. Should I go ahead and use this money to pay off some of my credit debt? Or use some it? Or just keep saving.
Thanks for reading. Any feedback appreciated!
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To boost my credit score is it better to use money to pay off a federal tax lien or credit debt?
Posted by admin in Credit Cards on December 29th, 2009
I have some cash and want to improve my credit score. I have an IRS tax lien for about the same amount as my outstanding credit card balances. What would be a better action? Should I pay off the tax lien, currently on installment, or should I pay off credit card debt?
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if you stop paying your credit card bill, will the bank negotiate a lower pay-off amount with you?
Posted by admin in Credit Cards on December 29th, 2009
Would it make sense to do this instead of filing Ch 7 bankruptcy?
My friend told me she stopped paying her credit card bill and they finally negotiated her balance down to $1200 from $8000.
I’m considering filing ch 7 bankruptcy anyway which would obliterate my credit..
Would this be a BETTER option?
Is it worse or better for your credit?