Hopefully someone can help me out. I have an old (about 5 years old) credit card debt of 09.00 which I am trying to settle for 00. In April the account went to a collection agency who offered to settle for 00. At that time I was in financial hardship and (divorce, single mom, unemployment, overextended) I did not have the money and could not accept. Now the account has went to a law firm. I called them and asked them to settle – they seem more interested in finding out how much money I make and my job than trying to settle. Of course I got upset and told them I would I would call the credit card company and they said the credit card company would refer me back to them. Shouldn’t they (the law firm) be working with me to try and settle this debt? What should I do? I also told them them that I would like my credit reported as "paid" after I gave them the money – they said they had nothing to do with the credit bureau. Help!!!

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Can u please give details like what is investing, and simple examples of how u get money and what happens if a company goes bankrupt or if they skyrocket or how you know how much money your getting (for example like a raise in 4%) just tell me everything i need to know about investing and please make it as simple and informative as possible. Thanks!!!!!!!!!!!

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HELP… You dont need to know how much money I have, but im wondering, what is the limit of money a bank will let you keep in there bank..how much money can you keep in a bank, like the limit…? there has to be a limit…and is there insurance on your money incase it goes bankrupt? i think there insurance, like over 60,000 you must pay insurance, if not and they do go bankrupt, and lets say you had 10,000,000, then you lose all of it up till 60,000..

so help plz

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Im in the military, and despite everything you might of heard about having alot of $$, its not all true. Im just looking for a way to make some extra cash, it doesnt haft to be much, but more than i invest would be a great start! I recently heard a story today that before this guy left for a deployment, he invested ,000 in an unknown stock, (the person who told me didnt know where he put it in) but in 2 weeks he came out on top with ,000!!!! Now thats insane to me, if that was possible thatd be amazing but im guessing thatd be as lucky as winning the lottery right?? hah, well im looking for any tips or anything that i should watch out for or scams or anything you guys have to offer me it would help, and is it like i hear some friends say when there like "o invest in like walmart theyll never go bankrupt!" or "invest in potato chips, those are always good!" and how much money should i start to put in? just to start? or go all out like my friend and put 00 in?

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I have asked a similar question about this and I just want to see more opinions on the subject.

I am going to be turning 20 in 2 more months, I have a stable job with a stable pay, I don’t own a car just yet, I currently live with my parents and I should finish college within about a year. (I’ll be majoring in Polysomnography).

I started saving money a long while back, maybe a year. My boyfriend (of 3 years) lives out in California while I live in Illinois and he is still going to college and will be for a while to earn his Master’s degree. I would really love to move out towards his end and rent an appartment. In saying that, he would live with me while still going to college and I go to my work somewhat close by.

Now here are my questions and I have quite a few:

1) How much on a months rent (as an estimate) and bills, etc. does it cost for a small appartment?

2) How much money should I have (another good estimate) to have before moving anywhere?

3) Should I buy a car before moving anywhere? [or] Is it not a good idea to buy a car and rent an appartment all at once? (ANY advice on purchasing a car I’ll take).

4) I’ve heard from some people that you can open another bank account and keep it as your "emergency" account, just in case if you run out of cash in your original account. How does that all of work and how can I create one?

5) How long is the process of moving out to rent a place take?

6) Any tips or advice on how to rent an appartment, car transportation, money management, etc., that I should really know about when stepping out into the living world?

**Also note: I DON’T want anyone saying that I’m doing this for my boyfriend or that I’m rushing into things. Either way, I’m doing this to be with him, practice living on my own and try out certain job areas that will give me work experience. So it’s basically for my own good and learning experience.

**I don’t want to mention how much I make a month on my job or how much I have currently considering that’s all my own privacy. But I will take examples of how much I SHOULD be making a month and how much I SHOULD have total to be stable enough to move out.

~ So many pleases and thank yous to you all. If I could I would answer you all as the "best answer" if I could if I’m really impressed with all your advice. So I repeat, I’ll take ANY kind of advice and/or story examples on how to live on my own without going into debt or getting bankrupt. (That is my biggest concern) I would want to move out within a year or two and hopefully I can if I play my cards right and just save save save SAVE my money. Thanks again and please help! ~

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When deciding whether I can afford to attend a college or not, do I first apply to the school, find out how much financial aid/scholarship money I would receive, then see if I could cover the rest with bank loans (assuming I really want to go to this college)?

I really don’t know if I can afford the college I am looking into, but will do pretty much anything to go there. I just would like to know the best way to find out if I can afford to go to this college without going bankrupt. I have already contacted the financial aid department of the school. He basically told me to apply, and if I get in, then apply for scholarships and financial aid.

Let’s say I do this and see how much money I would get. Who would I go to to find out about loans? I don’t even know how you get loans as a student. Do you get them for your bachelors degree and then apply for another if you want your masters degree? I am completely lost in what to do and how to go about doing it.

Thanks for your help,

-VVV

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okay i’m thinking about going bankrupt because i owe some money to a few different things. my problem is i have 2 credit cards and i owe money to a bank and they have all gone to a collection agency. can i still go bankrupt? and if i can what do i need and how much money will it cost. i live in New Jersey if that matters. also i heard you have to be in a certain amount of dept to even qualify if that is true how much? thank you.
i don’t really care that going bankrupt will hang with my credit score because it is sooooooo bad right now its going to take years to get it good anyway…i literally have NO good credit…im not gonna lie i messed up i was younger when i did all this and it was so stupid but its done. i just want to pay one thing and be done with it all.

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How much money I can keep in the bank during filing Chapter 7? Some say00 some say 00 in California. I seams can’t find the answer and my Attorney is not telling me the right thing.

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I was told by a car dealership salesman that the only way I could get into a car was through a lease, so I did. I have not had the vehicle for a year yet, but have put about 40K miles on it and am having a difficult time making the lease payment and paying the considerably higher insurance requried. I want to turn it back in, but am unsure about how much money they are going to try and bill me for for the mileage and wear and tear, and a host of other penalties etc. Will they put a lien against my home for this, garnish wages, etc.? Would filing bankruptcy before turning it back to them protect me from this? Would a bankruptcy be better than a repo on my credit history?

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Why is that? No matter how much money we print and no matter how much debt we get into it doesn’t even matter. People can complain and say how we will go bankrupt if we continue to spend like crazy but it never happens. Even with all of this debt other countries still continue to invest in America. WHY?? I dont get it
By Bankrupt I mean to the point where dollars have no value anymore. I always hear this will happen eventually and I think it SHOULD but it NEVER DOES!!

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