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Credit Card Trouble
Read all 16 responses: "I have gotten into some credit card debt trouble. I had trouble a while back. I rolled my debt into my mortgage. Now, I am trying to ...
Answers
- Hi L.! I have to ditto previous posters about Dave Ramsey, try to either borrow or go out and but The Total Money Makeover - it will help you and get you inspired. ...
- Unfortunately, sounds to me your going to have to find a second job or your ( husband ). I too was in the same situation, at the time we didn't own a house, It was mo...
- I just wanted to put in one more vote for Dave Ramsey. Not only will he help you get out, but help you stay out and build for a great future!! Listen noon-3p.m. on 95...
Credit Card in Collections
Read all 3 responses: "I'm helping my in-laws get out of debt. I'm currently doing the snowballing method and there is one particular bill that is in ...
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- It is true that if the creditor wins the lawsuit, the creditor cannot garnish wages; the creditor would win a judgment which, when filed of record, could attach to the...
- I have a friend whos parents are being sued by citi bank and target right now for about 12,000 and 5,000 they live in assisted living and can not afford to pay so she ...
- Yes, they can sue. Will they? Typically the amount has to be very large to make it worth their while, because winning a lawsuit does not mean guaranteed payment, it ...
Help - Which Credit Card Should I Get?
Read all 8 responses: "Hi Moms, I have to get a credit card and I have never had one before (don't believe in them at all) and I have no idea which one to ...
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- A., I have no idea how old you are but after working for 4 years in a credit card collections department I think it is absolutely outstanding that you are asking th...
- I like Discover. You can get cash back rewards, they have a low APR (which is annual percentage rate, or what they charge you on your balance.) My best advice is to d...
- I would suggest you check with your bank first. Normally a bank will offer a credit card that you can pay directly from your bank account online. Also, the APR is norm...
Bad Credit Help!
Read all 12 responses: "My husband left me with a horrible credit score. and debts unpaid sitting on my report. how as a low income single mother do i fix ...
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- Take care of your daily needs, but if it's something the you need and your credit history won't let you then I would call a local credit consulting agency to her you g...
- I would recommend reading books by Dave Ramsey and Todd Coontz. They have good advice that's helping me to get control of my debt too. Good luck.
- I'm no expert but I would suggest making regular payments on all debts. No matter how small the payments, as long they are regular it will show good faith effort. It...
Credit Card Problems
Read all 10 responses: "Last year was a rough year financially for us. We lost income and got behind in all of our bills. I finally stopped paying our ...
Answers
- Times are trough, but not paying your credit cards is suicide. These should be paid before any other bills except your mortgage. Call each of your creditors, and talk ...
- Hi, J., We have foubd ourselves in the credit cards debt up to 17,000.00 and to solve the problem I enrolled into the DMP plan (DMP stands for Debt Management Plan) w...
- Ask the credit card companies to lower the interest. Try to always pay the min. and not use the cards anymore. Also try a consolidating home equity loan or other suc...
Credit Repair? Good or Waste of Time?
Read all 8 responses: "My husband and I are wanting to buy a house. We have a few months of paying off bills until we could afford it, and we had some time ...
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- A really good friend of mine lives in McKinney and has a credit repair business. His name is Mike Ayres and his website is www.streamlinemycredit.com. He is a super ...
- We have never had a credit issue. All bills we have are paid on time if not before time. That said....I cannot possibly see how spending money with a credit service ...
- Don't do it. Anything the credit repair company can do you can do on your own. Get a copy of your credit report and if stuff is over 7 years old, it should no longer b...
Should I Accept Credit Cards for My Small Business?
Read all 5 responses: "I have a seasonal business selling personalized Christmas ornaments. I sell at bazaars, craft shows, and through word of mouth.
Answers
- Hi D., If you decide to accept credit cards, you might want to check out Costco. I just got the August 2009 Costco Connection magazine and they had an ad for their...
- Hi D., You should absolutely accept credit cards!! You are losing sales if you do not! I use www.propay.com They have a really cool card reader that I used at cr...
- Hi D., I have a home based business selling personalized music/storybook cd's; alarm clocks and labels for children. I've been using propay for almost 4 years. I t...
Looking for Credit Card Relief
Read all 7 responses: "hi, I am wondering if anyone has worked with, or knows of , Financial Freedom of America? I have a lot of credit card debt following ...
Answers
- Hi K., I haven't heard of Financial Freedom of America, but I wanted to share with you that my husband and I own our own business. We teach families how to make and s...
- I would phone the credit card myself. You can negotigate the same deal as them, and not pay thier fee. good luck S. W.
- Sue had good advice. You can negotiate with the credit card companies directly. Look into Dave Ramsey's http://www.daveramsey.com/ website and check out his books fr...
Husband Went Credit Card Crazy
Read all 5 responses: "My husband went credit card crazy about three years ago. We are still trying to recover. We were about there when I was off of work ...
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- Cut up the credit cards! If you don't have any in your possession, than you will be less likely to add to your debt. I know the economy is really rough right now, but ...
- I actually found a really good book that helped us out. It is called The Total Money Makeover by Dave Ramsey. It really helped out with what steps to take and when to...
- Try Consumers Credit Counseling,they are a not for profit credit counseling. They can get your debt reduced,late fee's etc with the credit companies and set up a month...
He Has as Good as Credit as You Can Get... I Have the Worst - What Happens When
I hate to bring this bad credit over to the new husband. I know he has mentioned it as far as what about getting a bigger house.. should we never file ...
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- In our house it is the same story... only reversed. Somehow I ended up with the perfect credit while hubby struggles from his past being laid off and divorced, etc. ...
- keep in mind if he puts a home in his name only, if something hapens to the relationship-you could end up on the street with nothing. I recommend cleaning up your cre...
- I don't think your credit will affect you buying a house...I believe that if he has good credit your bad credit is not enough to be denied a loan. I may be wrong, but...
