irs debt
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Levy on Your Bank Account from IRS?
Asked by C.R. from Dallas
on January 17, 2010
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Hello ladies ,
have any of you ever had a levy on your bankl acct.from the irs what steps did yall take and how long is the process i need advice i am new to this ple...
Answers
- C., The IRS will not only levy your bank accounts, but they will contact your employer and garnish wages. Contact them ASAP and set up a payment plan!
- I have lots of advice. I am just a regular sahm of 2 kids and I have to say - a levy can sometimes be a big surprise or no surprise at all. Often, a levy occurs afte...
- First, if you account has been levied and you were just notified, you have 21 days to address it with the IRS and get it resolved before the bank is required to send t...
Husbands Debt
Asked by P.E. from Boston
on October 3, 2011
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My husbands debt from school loans has spiraled out of control among other debt of his. Withhout getting into details it is slightly horrifying....Are there people or...
Answers
- You need to be the one starting the ball rolling on getting this under control. The best thing to do in my experience is to be transparent with your creditor. Let them...
- Sorry to hear about your hubby's debts. I was told that once you marry, you marry the debt as well. I felt like that about my hubby's credit card debt. Anyway, I, too...
- There are financial counselors that you can google in your area and they help you with budgets. bill payments, etc. Check out Dave Ramsey he is fantastic and has a go...
Debt Mediation
Asked by C.A. from Dallas
on August 1, 2008
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Just wondering if anyone has tried debt mediation or credit counseling and what your results were. I tried to get a loan from the debt consolidation loan from the bank...
Answers
- I used a counseling service several years ago when my credit card debt reached $20K. I think I had about 8 credit cards then. They made it easy, I just sent them one p...
- I agree with most of the responders: Don't go to a for-profit credit counseling business. If you decide to go with a credit counseling service, go with a non-profit ...
- Hi C.! Please check out DaveRamsey.com before you do anything drastic!!! He is my Hero! I am strongly against consolidating debts, because the interest you pay for eac...
How to Get Out of Debt?
Asked by M.W. from Kansas City
on May 12, 2007
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This really isn't a question as much as it is me venting. My husband and I both work full time, but don't make a lot of money. We only have one child, who is almost 18...
Answers
- These questions always get a ton of response...because most of us live paycheck to paycheck. It sounds like you are on a right track by having a plan to take care o...
- Ok M., I have a business opportunity for you that you can do on the side of your full time job. I am literally in the same position as you, expect my husband and I hav...
- Check out www.daveramsey.com . My husband and I are doing the dept snowball and in 27 months we will be dept free (except the house) That includes our 17,000.00 car lo...
Credit Card Debt
Asked by B.K. from Chicago
on October 10, 2010
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Can someone tell me what is the statue of limitations on credit card debt? I have some small debt from 10 years ago that I forgot about and they have not contacted me ...
Answers
- Whether you bought something yesterday or 10 years ago you still have to pay for it.
- NO! NOT WITHOUT CHECKING THE STATUTE OF LIMITATIONS FOR YOUR STATE FIRST!!!! Debt has a statute of limitations by state that keeps them from collecting after a cert...
- Depends on what you want the outcome to be. It is your debt and morally you still owe it. However, legally you probably don't have to pay it. It you contact them t...
Credit Card Debt.
Asked by M.H. from Hartford
on April 6, 2009
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Hello Ladies,
here is a question I am too embarrassed to ask my friends & family. Has anyone had to consolidate debt? I hear a bunch of ads for all kinds of companie...
Answers
- Its a good thing that you asked this question because I think that more people then not are in ( or have been ) in the same boat. When I found myself with tons of smal...
- When I found myself stuck in the cc debt rut several years ago, what I did was take advantage of cc offers to transfer balance for 0% interest over so many months. Wh...
- HI, I used a company called TCA (Take Charge America), they were GREAT!!!! Best thing I ever did. You can look them up on the web. Very helpful and postive. T...
Paying off Credit Card Debt
Asked by S.M. from Kansas City
on April 3, 2011
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Please help me put this in perspective...
Here's my dilemma. I owe an enormous amount of debt. I don't really feel that bad about it. I tell myself that the mone...
Answers
- I have tried so many things to get out of debt. The only thing that I found that is working is something called Capital Resources. It is a software program that mana...
- You need to pay down the debt on the credit card no matter what your justification because God forbid you or your husband is out of work again, you will need to free i...
- I was last year and the year before. because of unpaid maternity leave and a high risk pregnancy with extra dr bills I was living off my credit card for the essential...
Need Advice on Getting Out of Debt
Asked by H.M. from Kansas City
on November 3, 2007
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My husband and I have hit rock bottom, I don't know what to do. We are about to lose our house and car and I'm afraid then we'll lose my 2 stepsons too. We owe almost ...
Answers
- H., I am so sorry for all the bad luck that you and your family are having at this time. Have you checked into any of the Churches? Is there any way that you can work...
- H., Have you tried the HUD and FHA Loans, supposedly Bush has made those easier for families to get since all the foreclosures that are going on. Call a broker or...
- Hi H., I know you probably don't want to but you could try finding a job to help out a little. You could work it around your husbands schedule so you wouldn't have...
Credit Card Debt Needing Advice
Asked by T.P. from Kansas City
on February 16, 2009
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Hello. I'm a single mom who is currently not receiving any support from the father. Due to the legal battle we have gone through this last year, I have acquired appr...
Answers
- Look into Dave ramsey's financial program. I know alot of people who have success with this and I'm looking into it myself.
- Bless you. You are staying positive and looking for solutions, and I commend you for that. i am in a similar situation, having become a single mom unexpectedly recen...
- The best advice I could give you is to check out DaveRamsey.com. He is wonderful! Be careful of companies that say they can get rid of your debt. They will charge you ...
How to Reduce Debt
Asked by P.H. from Louisville
on August 13, 2008
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Has anyone ever called the credit card company and made a deal to pay it off for a lesser amount? I have been told it can be done, but am not sure if it really works....
Answers
- Hey, I'm a credit counselor (non-profit) and there are many cc companies who will accept a lesser amount. There are a lot of ways to reduce your debt quicker than you...
- P. I don't know about paying the cc co off although I have heard of that. Here is a good one to call: Dave Ramsey's Office 1749 Mallory Ln Ste 100, Brentwood, TN...
- My best friend did that and they worked with her. Well some of them did and some didn't, but doesn't hurt to try. Good Luck.
