I mean seriously, I got a bachelor of science degree in 2008 and couldn’t even get any job at all until August of 2010. The job I do have is doing hard work (lifting, pulling, emptying trash) at a thrift store where I get paid .50 an hour, which is considered a low wage. But in my case I am simply not worried about material things and I dont usually spend money on anything other than rent or other bills that need to be paid. I live in a mobile home with my dad and it is far from a lavish lifestyle, but I don’t consider myself deprived because I don’t always go out to eat or spend tons of money on material things. The truth is I am just not worried about things like that in general, and I am also not terribly worried about what kind of job I have or how much I get paid (even if I did go to college), I might WANT a better job, but I am HAPPY just as long as I am making enough to live decently. That being said, I just could never understand why it seemed like other people were upset because they were "not making enough money", yet they go out to eat and want to buy expensive material things which cost tons of money. It dawned on me that there are people like athletes who make several millions a year, when the truth is NO ONE needs that much money to survive, not even if they have a family. Who needs several million a year, even if they "earn" it? Do you not think I "earn" more than .50 an hour with the intense physically demanding work I do?
I don’t know about you, but it seems to me that republicans are the ones who want it so that people will make so much money when they don’t need anywhere near that much, yet they want to place the blame elsewhere when we are in a situation like the current one involving the government going bankrupt. Why can’t we just return to a time where people accepted and were paid a decent wage relative to their employment and were not worried about lavish living, but were happy just as long as they could live decently? Because the truth is this government could really save a lot of money were it not for individuals getting paid rediculous amounts of money as they so often do these days. These cuts do not even have to be that drastic, for example if a group of athletes, singers, athletes, e.t.c. is currently making million a year each, that could be reduced to million a year for each of them, or perhaps not even reduced by that much either. Even million a year is a TON of money and more than any family will ever need, yet this type of reduction when multipled by several people would create untold amounts of additional revenue that does not currently exist to improve the economy among other things.
I just really think that we should at least consider something like this, because it pisses me off that we are in this situation with the government going bankrupt when there are people being paid rediculous amounts of money. Why not just reduce their pay by a small amount, which will add up significantly, in lieu of wanting to cut necessary spending elsewhere such as with entitlement programs?

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I had 5 credit cards – 3 of which I paid off. The remaining two I was unable to payoff because I was in a major financial bind. I just recieved a voicemail saying I should be in court b/c of my debt. One card is 1,200.00 the other is 1,300.00 (im not sure which collection called to tell you the truth). I never got a summons delevered to me. Is this for real or a scare tactic?

Technorati Tags: credit cards, financial bind, scare tactic, summons, truth, voicemail

Even if one is qualified in every way? I had to file two years ago because I lost my job due to being very ill. While I was ill, my bills piled up so high I could not pay them and filed bankruptcy. The lawyer that handled my bankruptcy told me that employers cannot discriminate against me because I filed. Is this true? I have a chance for a better job that I am well qualified for. However, the background check application said that a credit check may be done. I am OK with the background check, but the credit check will show this bankruptcy two years ago. What should I do? The man that interviewed me only asked about the background check and I told him the truth, that I had never been arrested for anything. He did not ask about the credit check.

Technorati Tags: background check, bankruptcy, check application, credit check, job, lawyer, truth

I am trying to decide if i should just try to pay off my cards in full, or settle for a lower amount. But I am trying to get my score higher, so settling for a lower amount would show up at "settled" on my credit report and have a negative impact on my score.

So is it possible to settle your debt with the agreement of the credit card companie reporting that the debt was "paid in full" instead of "settlement" ???
"People with your thinking are what is driving this country into the ground. Oh I have too much debt, let me just walk away or try and "settle" the debt for half of what I borrowed.
Pay the debts off and keep your credit score and your character in tact. People like me are tired of paying higher prices and interest rates for idiots like you.
I know the truth hurts, but you need to hear it. I just hope it sinks in."

Yes I am the idiot….because I lost both my parents while I was in college and was left to fend for myself. I paid them what I could and my balances never went down. Credit card companies are criminals i"m my opinion and "driving" this country down, they feed off the poor. You Randy are the fool, read up and do your homework before calling someone else an idiot. Me not paying my credit card debts has nothing to do with prices being higher and you’re interest rates you clown. Greedy uneducated people like you give American’s a bad name, I hope that sinks in.

Technorati Tags: cards, clown, credit card companies, credit card debts, credit report, credit score, criminals, fool, homework, interest rates, negative impact, parents, tact, truth

"Jeff", 21, is a full time college student and can no longer work because he doesn’t have the time. His dad lost his car for driving without any credentials, so Jeff now drives him to and from his low paying, thoughtless job every day. He drives him anywhere he needs to go – bank, store, church. It’s been going on several weeks, and the father has said nothing about getting a new car since he can’t afford the 00 ticket. The father spends most of his time partaking in church and football watching on tv. He has no aspiration to get a second job, because as long as he has his routine church, football, and weekly steak, he is happy. Honestly, he isn’t very bright, for he can’t even understand basic things that Jeff or I talk about – he isn’t bright at all. It seems hopeless.

The father has lied to the mother, who cares but is going bankrupt anyway, so it’s not like she can financially cover her son, Jeff. The father even lies that he is paying Jeff’s car insurance, when really he isn’t paying for his or his son’s.

The father does give weekly twenties to Jeff for gas, in addition to cash for any of his car repairs. It’s not enough though, so I give money to Jeff as well. Ever since the father’s dilemma occurred, Jeff has been far more anxious and tired than normal. He is so busy, he has little time to consider a plan. He also doesn’t have much time to complete the startup process of his online business. He is driving illegally (no insurance), so this must be corrected. What can he do, and does it benefit that I inform the mother of the truth?

Technorati Tags: aspiration, car insurance, car repairs, credentials, dad, dilemma, full time, insurance, little time, money, new car, quot, second job, time college student, truth

After talking to an AF recruiter, they stated that I had to be paid up or on a payment plan with creditors to join. If the debt is mortgage charge offs, if I file chapter 13 bankruptcy and a payment plan is worked out with the creditors, will I be able to join? I ask this because after searching, some state that if you file bankruptcy, it has to be discharged before joining. What is the truth?

Technorati Tags: chapter 13 bankruptcy, charge offs, creditors, recruiter, truth

I spoke to a collection agent today about an old debt that I am trying to pay off. They offered a settlement for about 20% less than the total. They informed me that if I took the settlement it would look bad on my credit report. Any truth to this or is this slimeball agent just trying to get as much money out of me as possible?
I was under the impression that even if I pay the settlement offer from the collection agency that it will still show as being paid on my credit report and the account being closed.
How can it ding your credit. If it is an old account that is in collection. Won’t my score go up when it’s paid? Do you mean it won’t go up as much?

Technorati Tags: collection agent, credit report, much money, score, truth

I WAS EMPLOYED BY THIS COMPANY I BELIEVED I WOULD BE HELPING HOMEOWNERS FACING FORECLOSURE AND GET LOAN MODIFICATIONS FOR PEOPLE IN FINANCIAL TROUBLE. THIS COULD NOT BE FARTHER FROM THE TRUTH I SLOWLY REALIZED I WAS DOING NOTHING BUT SCAMMING THESE PEOPLE .

FIRST OFF THEY OPERATE UNDER 2 NAMES MORTGAGE CRISIS SOLUTIONS BEFORE YOU ENROLL IN THE PROGRAM AND THATS THE NAME THEY TRY TO KEEP CLEAN, THEN ONCE YOU ARE ENROLLED ALL CHECKS ARE MADE TO PROPERTY SOLUTIONS SPECIALISTS THAT WAY BY THE TIME YOU REALIZE YOU HAVE BEEN SCAMMED OUT OF THOUSANDS OF DOLLARS YOU HAVE BEEN PAYING PROPERTY SOLUTIONS SPECIALISTS FOR MONTHS AND THAT IS WHO YOU ARE MOST LIKELY TO FILE COMPLAINTS AGAINST AND THAT IS WHY MORTGAGE CRISIS SOLUTIONS IS NOT REGISTERED WITH THE BETTER BUSINESS BEAREU AND IF YOU CHECK PROPERTY SOLUTIONS SPECIALISTS WITH THE BBB THEY HAVE ONLY BEEN REGISTERED SINCE MAY,28,2008 AND ALREADY HAVE 7 COMPLAINTS AND THAT NUMBER IS GROWING.

THE COMPANY HAS ACTUALLY BEEN IN BUSINESS FOR LESS THEN A YEAR HOWEVER THEY WILL DELIBERATELY LIE ABOUT THAT, THEY ALSO WILL SHOW YOU A LINK ON THE MIAMI-DABE COUNTY WEBPAGE OF A CASE THEY HANDLED AND FILE SEVERAL MOTIONS ON BEHALF OF THE HOMEOWNER STARTING IN 2006 ENDING IN 2008 THIS IS COMPLETELY FAKE THEY NEVER HAD ANYTHING TO DO WITH THIS CASE AND THE BUSINESS WAS NOT EVEN STARTED UNTIL LATE 2007.

THEY WILL CHARGE YOU 1495.00 IF YOU HAVE NOT RECIEVED FORECLOSURE PAPERS AND 2995.00 IF YOU HAVE RECIEVED FORECLOSURE PAPERS AND SET YOU UP ON A MONTHLY PAYMENT RANGING FROM 500-950.00 A MONTH DEPENDING ON HOW MUCH THEY THINK THEY CAN GET OUT OF YOU BASED ON YOUR MORTGAGE PAYMENT THAT, THEY WILL TELL YOU, YOU NO LONGER HAVE TO PAY WHILE IN THE PROGRAM. THERE IS REALLY NO DIFFERENCE BETWEEN THE PEOPLE PAYING 1495.00 AND THE PEOPLE PAYING 2995.00 OTHER THEN THEY FIGURE IF YOU HAVE RECIEVED FORECLOSURE PAPERS YOU ARE A LITTLE MORE DESPERATE AND WILLING TO PAY MORE, BECAUSE THE PEOPLE THAT ENROLL FOR 1495.00 ARE TOLD NOT TO MAKE THEIR MORTGAGE PAYMENTS AND ARE GOING STRAIGHT INTO FORECLOSURE ANYWAY.

ONCE YOU DO FACE A SALE DATE THEY WILL STOP IT TO KEEP THE MONTHLY PAYMENTS ROLLING IN, AND THE WAY THEY DO IT IS SEND YOU THE FORMS FOR A DO IT YOURSELF SUGGESTION OF BANKRUPTCY YOU HAVE TO FILL OUT THE FORMS TAKE THEM TO YOUR LOCAL COURTHOUSE AND PAY THE FILING FEES SO YOU ARE PAYING THOUSANDS OF DOLLARS FOR THESE FORMS THAT YOU COULD GET FROM LOCAL COURT CLERK FOR FREE.

THIS AN ABSOLUTE TOTAL CONGAME ALOT OF UNSUSPECTING HOMEOWNERS DONT REALIZE IF YOU FILE BANKRUPT YOU WILL BE IN YOUR HOME FOR OVER A YEAR WITHOUT MAKING A PAYMENT ANYWAY AND THESE PEOPLE ARE CONNING HOMEOWNERS OUT OF THOUSANDS OF DOLLARS FOR SOMETHING THEY CAN DO ON THEIR OWN FREE.

THEIR SCAMMING DOES NOT STOP WITH THE HOMEOWNERS EITHER ITS A DOUBLE EDGED SWORD ONE SIDE FOR THE HOMEOWNERS ANOTHER SIDE FOR THE EMPLOYEES , IF A SALESMAN ONLY HAS A FEW SALES THEY ARE FIRED AND THEY REFUSE TO PAY THEM COMMISSION DUE AND ITS THE SAME WHEN AN EMPLOYEE QUITS ANY COMMISSION DUE IS NOT PAID THESE PEOPLE ARE NOTHING BUT CON MEN STAY AWAY FROM THEM. AND YES I AM WILLING TO TALK TO ANY TYPE OF LAW ENFORCEMENT THAT IS INTERESTED THESE PEOPLE MUST BE STOPPED

John doe
miami, Florida
U.S.A.

Technorati Tags: 2 names, bbb, better business beareu, checks, county webpage, crisis solutions, dabe, facing foreclosure, financial trouble, mortgage payment, mortgage payments, motions, property solutions, thousands of dollars, truth

Today I found out I lost the house I have had a contract on since last April (2009). I was attempting to buy a house in short sale, the house went into foreclosure and so I have been waiting a long time for the banks/FDIC to get it all together so we could close. Well, Obama signed in a new law (July 2nd, 2009) forcing people who have had their homes foreclosed to return to their homes and in turn forcing the banks to refinance. The alternative for these people is to file bankruptcy (which some have already done, and others have found a solution to just barely stay financially afloat). This may sound like a great solution for all the unfortunate families who have recently lost their homes, but in truth it is a disaster. Who is to say these people can afford or even want to move back?
In my case, the house I was attempting to buy was owned by a family who were over their head with a double mortgage. They were forced to foreclose and have since downsized and purchased a new home. Now with the new law they will be forced to return to their previous home or face bankruptcy. They will have to find a way to sell their current home, which of course is very difficult in today’s economy. The previous owners do not want to return, they can’t afford the move, nor the wait to sell their current home, which they probably won’t even be able to sell in today’s economy.
As for me. I am losing close to ,500 in money spent on contracts etc. I of course have no rights and will not be able to recoup my losses.
Thousands of foreclosed homeowners are dealing with similar situations. For some this may be a blessing if they are still searching for a new living situation. Of course this doesn’t teach any lessons other than to live beyond your means and don’t worry about the consequences because the government will bail you out. Be financially responsible and get screwed. For others they are facing difficult decisions deciding what to do with their new lives and the homes they are being forced to return to. Then for all the buyers, who have been in contract to buy these foreclosed homes and begin to repair the hole in the housing industry. Well they are all SOL and out a lot of money, like me. Believe me, with my meager salary that is cut in half by taxes, ,500 is SUBSTANTIAL!!!
So I ask you, where are our freedoms going and why do we just let the government take them? How does this stimulate an economy? All I can foresee is a rise in bankruptcy and a lot of people losing money.
Of course there are tons of other issues we can discuss that provide similar examples our diminishing freedoms, and the socialization of our country. Such as, when 80% of the general population is happy with the health care system yet government chooses to change it, control it, and force their plan down our throats.
How can anyone be happy with Obama?

Technorati Tags: bankruptcy, banks, consequences, contracts, difficult decisions, disaster, economy, fdic, foreclosure, great solution, long time, losses, money spent on, mortgage, truth, worry