on 8 thousand dollars worth of credit card debt. I can’t pay the minimum, I’m months behind on them.
absolutely no one is hiring anywhere so before you give me your little complaints,
give me other alternatives as to how to pay this debt. otherwise, save it!
thank you. sorry if i sounded rude or mean, it was not my intention and I appreciate all HELP
have been laid off for a while. I have a personal loan, phone bills and about four credit cards. All my credit adds up to about 20k. I just got a new job and I am making about 2400 a month. My rent is 600 a month and I have about 200 monthly bills. All my credit went into collection agencies. Does anyone have any advice…Its not so easy just to pay it off because of my other expenses and settlements usually require 2 or 3 payments to pay off the whole debt. My loan alone was 8 thousand dollars. I want to pay all this off. Can you please give me advice how to pay it all off and than gradualy how can i rebuild my credit. Another option is bankruptcy…I live in New York. If I do bankruptcy, how bad would that affect my future. Also, would it affect me inheriting a house? Would it be a good option? I know it stays on my credit report for 10 years but can i still build credit after filing bankruptcy and how soon? thanks.
I have an upholstery business and I worked with a Furniture Medic franchise. The owner is going bankrupt and he owes me a few thousand dollars. I have furniture from a client he needs to return to get his money back, and I want to hold on to them until I get my money. He threatened me saying that he was going to get an attorney.
What are my chances of getting in trouble for that? and what can I do to get my money back??
Considering he has nothing of value left at his shop.
Hi, I was thinking about investing in stocks. I have a few thousand dollars saved, and have always been interested in the stock market. However, I have a few questions.
First of all, why does everybody say to maintain a diversified portfolio? Each purchase costs around in commission rates and an additional to sell. So I was thinking about just purchasing around 100 shares of a company that is relatively inexpensive but at the same time is reliable and will not go bankrupt any time soon. Of course, I would do my research to choose a company first. Or just by purchasing one or two shares of a company that is very expensive such as Apple or Google. I then plan to just day trade the stocks and sell when they start making profit.
My second question is how long does it take to sell a stock if it is a reputable company such as Google, on eTrade? Instantaneously or would it take a few minutes?
Any other tips are much appreciated.
Thank you.
I am thinking of filing bankruptcy because I recently moved to FL and cannot sell the home I own in another State. The home cannot be refianced because it is now worth less than what it was we purchased it for. The difference is about sixty-thousand dollars and I have been told that even if I could qualify for a short sale the lender could still come after me or the property that I now own in FL. I hate the thought of giving up but I can only see the problem getting worse as time goes by and we can barely make both payments now. The villa we purchased here also does not have any equity in it because we have only had it about 10 months. My name is on the title of the other home but so is my husbands. Only my name was used on the loan in the other state because my husband had filed bankruptcy about 1 year before we married . Is having his name on the title going to cause me a problem if I decide to file and can I file by myself or do I have to include my husband? If so I cannot file
My thinking is . That the people make too much money. Average 75 dollars an hour. They have the unions to fight for them.That cost a lot.They have big payout to their retirees. Why can’t they take a cut in pay? Get rid of the unions. have all the upper management take no bonuses. There is so much they could do to cut cost. My brother worked there for 3 years and was given 100 thousand dollars and a free car. This was fine and dandy till they couldn’t afford it anymore.
All the money they could have saved ,could be used to making fuel friendly cars at lower prices. Why by a ford,gm or chrysler, when it cost you more and the product is worse than the foreign cars?. You are paying 30 more per hour to get your domestic car. This is one side and I realize there are some benefits to helping them.I will write that latter. Plz don’t get offended I just want to hear all sides to this story.
Carguy I thought it was lower also. Today it was reported on cnn that the average was 75 per hour while `Japanese cars were 45.per hour. Like I said I know there is another side to this story. My family worked for GM and I am just saying what it feels like for people who do not have such cushy benefits. You know you would rather got down to 50 dollars and hour than not have a job at all.
I have two jobs & still cannot make ends meet. I am desperate to find a solution to how I can keep my house. I am not asking for money, just advice on how to save my house for my wife & kids. I paid 0.000 for the house & put thirty thousand dollars down!. The house is now worth 200.000!…….please……please…is there anyone that can steer me in the direction that I need to go to save my home?
I have somewhere in the neighborhood of 20 thousand dollars of dischargeable debt. I am college educated and usually able to logic my way out of a box. There are lots of online bankruptcy programs that would save me a considerable amount of money. But am I setting myself up for failure if I use an online program instead of an attorney?
I am a 22 yr old, 4th year university student with like 7 thousand dollars in credit card debt. I have part time job, that pays for my rent and car insurance, and some food. I get my tuition form my parents. But since this is my last semester I wont get any more tuition form them. I am really stressed up right now. Can I file for bankruptcy? What is the procedure.
I am on the borderline of filing for bankruptcy, i have about 9 thousand dollars in debt so i would really like to avoid bankruptcy if possible…i just dont know the different alternatives…BTW my account was charged off so they told me i couldnt workout a repayment plan…they told me that i would have to come up with the amount in full or they could settle for about 60-70% of what i owe em but i still dont have that kind of money
We are refinancing our house to pay off some credit card debt. I have heard that the debt management companies will negotiate on your behalf and either lower the interest rates or lower the amount they will accept to pay off the debt. I have also heard you can do that yourself.
Anyone have any experience with this tactic? I have also heard that trying to settle for a percentage of your balance will wreak havoc on your credit rating. Is it worth it to save a couple of thousand dollars?
Do you try and reach an agreement with the first CSR you talk with, or does it only count if you negotiate with a manager or other official? Should you get the agreement in writing, as well as any effects on the credit rating? What is an appopriate percentage to ask for (50%? 60%?), or does it depend on factors like amount owed, past payment practices, etc.? Does it help to threaten you might be filing for bankruptcy if they do not settle?
I’ve looked at filing for myself but really feel like I should get help from someone with some experience. I’ve heard paralegals will do it for a few hundred dollars plus costs but how do I find one? Most attorneys want to charge me over a thousand dollars which I just don’t have.
any one know how to file bankruptcy by yourself in the state of california exempting your Workman’s comp settlement coming into you on your own since you cant afford to pay thousand dollars for them to do it for you i really don’t want my money garnished and i don’t want my settlement taken away from me what do i do some one please help me