Open Question: Bad credit can we refinance????
We are going thru a debt settlement so our credit score is below 550. Our house payment has increased from 840 to 915 and we are sooo tight on cash already that our bills exceed our checks. We already dont do anything but work and come home to sleep. Is there a [...]
Open Question: How long is the process of being sued for bad debt?
The collection agency in minnesota will not agree with a payment plan to work out cuz i didnt follow through with the first one which I couldnt afford …they never sent a letter of the settlement agreement either? do they have to? they said they did ..i never got it! now they want a lump [...]
Open Question: I need help with bankruptcy questions for florida….?
Ok here goes:
I live in Hillsborough County, FL I have 27 years left on a 30 year mortgage, I am a single parent, Head of Household, I do get $494.50 a month for child support. I have 2 rooms that I rent out for $790 a month and I bring home from my job [...]
Open Question: How long after attempting to clean up credit should I apply for a new student loan?
Hi,
Here’s the deal,I am about to pay off a defaulted loan with sallie mae. They have offered a settlement of $2800.00 from a student loan that was originally $5000. I have accepted the settlement and should have it paid off by the end of the month and have cleared up a few other small items [...]
Open Question: Credit Probelm! Help?
I just ordered my credit reports from all three bureaus. I have a couple things on my credit from when I was younger and decided not to pay the (yea i was smart). I looked at the online version of my report and seen that two were charged off. and two were sent to [...]
Open Question: When dealing with debt collectors, what are some guidelines or handy tips?
I am assisting my friend with settling two of her credit card balances. Debt collectors have been calling her, and she wants to come to a settlement.
I have read on here… Get the settlement agreement in writing and only agree to it that way. And, to pay with a check so you [...]
Open Question: I want to leave my job in this economy?
I am seriously considering leaving my job in this horrible economy. I have been at my job for just over 2 years. I like my co-workers (always have), and I like my boss. But for months now–since at least January of this year–I have been miserable. I have become more and [...]
Open Question: Has anybody else had a problem with their credit card company slapping them with a finance charge?
I’ve noticed this since the banking crisis last fall. I just paid off a $2000 balance on my credit card and I was happy to be debt-free because they kept slapping me with a $40 or $50 finance charge (every month it seemed).
But last week I bought something online costing about $100, and suddenly [...]
Open Question: Has anybody else had any problems with their credit card company hitting them with a finance charge?
I’ve noticed this since the banking crisis last fall. I just paid off a $2000 balance on my credit card and I was happy to be debt-free because they kept slapping me with a $40 or $50 finance charge (every month it seemed).
But last week I bought something online costing about $100, and suddenly [...]
Open Question: Elderly mother aged 86 with $250,000 debt - no equity?
This is the kind of story you’ve been reading about in the news lately. My mom is now 86. Always very private with her finances. She has lived alone for 12 years on fixed income from my father’s military annuity. She recently had a series of severe health problems. This is when I find out [...]
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