TAG | Money
22
Is there a credit card that is best when you have bad credit?
13 Comments · Posted by sanbank in Credit Card Debt Settlement
I have been looking around online, and the ones I have been finding I have to pay a lot of money to get. I am trying to get my life straightened out, and that obviously includes my credit. Please help!! I really want to bring my score up.
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6
What’s the best credit card for college student?
10 Comments · Posted by sanbank in Credit Card Debt Settlement
College students, around 20 years old, hasn’t got a lot of money and has to buy something like gas and stuff.
What is the best credit card for him: Bank of America, Wells Fargo, Washington Mutual, City Bank, Chase, Discovery….
Need your help! Thank you!
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6
I am being sued for credit card debts, what options do I have?
5 Comments · Posted by sanbank in Credit Card Debt Settlement
I am being sued for some old credit card debt, about 2,000. My hearing is three weeks away. I have absolutely no money to pay. What options do I have? What can I do? Please help!
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Credit Debt · Money · Options
16
How Can I Donate To The Aspca If I Dont Have A Credit Card?
7 Comments · Posted by sanbank in Credit Card Debt Settlement
So. i don’t have a credit card. im a minor. only 11 years old.But i really want to give to the aspca.
Any suggestions?
Will they take my money if i just go up to there store and say “Here you go!?
Please Help Me.
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11 Years · credit card · Money
9
Should I pay off my credit card every month online just before its due?
7 Comments · Posted by sanbank in Credit Card Debt Settlement
I only ask because I have heard that paying it completely off doesn’t help my credit score (which im trying to build). I never overspend and always have money to pay it off.
Should I roll over a small amount like 5$ every month to help build the score?
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4
How do I claim for settlement on credit card debt based on verbal agreement?
1 Comment · Posted by sanbank in Credit Card Debt Settlement
Is a long story but to cut it short, I can’t get back my money now. I was being setup as boyfriend and gal friend. The girl pretending to be my gal friend told me that she was in financial difficulty and ask me to help her out by swaping my credit card in advance first after which she will pay me back at end of month. She bought herself clothes, shoes & bags which amounted to RM4.5K. It is only through trust and verbal agreement i agreed to help her out. Later on I found out that she was cheating me of my money. Right now, she refuses to settle her debt and even threaten to file sexual harassment report against me not unless I cancel off her debt. I thought of taking this to small claims court but then I was told that if I do not have any written agreement to support my claim it will be of no use. I do have recording evidence but was told it cannot be accepted as an evidence. Has anyone come across this situation before? I do not know what to do now. *sigh* Any advise is welcomed.
The person who passed me the small claims forms told me that recording evidence cannot be accepted. I will check further on the law in my country.
My legal advisor told me that audio or video cannot be used as evidence in court as the contents can be manipulated. 
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amp · clothes · credit card · evidence in court · financial difficulty · gal friend · Money · sexual harassment · shoes · small claims court · small claims forms · verbal agreement
2
Can you negotiate settlement on credit card debt?
1 Comment · Posted by sanbank in Credit Card Debt Settlement
I have credit card debt that I have the money to pay off. However, I heard that credit card companies will negotiate a lower amount, say ,000 instead of ,000 in order to get the cards paid in full.
1. Is this true?
2. Does this look bad on your credit report? Or does it even appear?
3. How does this work and how do you go about negotiating with them?
Thanks for your time!
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Cards · Credit Card Companies · Credit Card Debt · credit report · Money · thanks for your time
5
What's the best action for a credit card debt settlement letter?
1 Comment · Posted by sanbank in Credit Card Debt Settlement
My husband and I recently purchased a house. Right before our purchase we found out about a delinquent credit card. To make a long story short, it was a credit card that was in my husband’s name that he was to use when he was in college that his mom was supposed to be paying for. My husband had no idea that there was a delinquency until we were notified by our lender. The account has been closed since 2002. It states on his credit report that the "account closed at consumers request, charged off account, bad debt; placed for collections; skip." We do not want to bother his Mom about this. After no communication with Discover, for 5 years, we have now received a letter from Northstar Location Services, a collection agency (not from Discover), for a settlement amount which is 40% of the debt. What should we do, contact Discover, deal with the collection agency, or something else? I realize everything needs to be in writing beforehand, but can anyone advise me on this at all?
I will check out your other posts, Studly, thanks…as far as my concern with it, it is mainly because of the recent contact with the collection agency now after so many years. We were still able to get the loan for our house, so I am not really concerned about that part of it. Since it "technically" wasn’t our debt, but my mother in law’s, the bank didn’t really care. Actually the amount was pretty significant, 00 with an offered settlement of 00, which is why I’m extremely surprised that we were not contacted before about this. I believe the statute of limitation on credit cards is 3 years in our state. I know they can still take us to court over it but its probably unlikely since the statute of limitations has run out. I just don’t want to settle on an amount and still have it show up on our credit history for another 7 years. I think this just may be a last ditch effort by the collection agency to get some money and I just want to make sure we make the right decision.
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3 Years · bad debt · Collections · consumers · credit card · Credit Cards · credit history · credit report · delinquency · delinquent credit · last ditch effort · location services · Mom · Money · mother in law · right decision · statute of limitation · statute of limitations
I recently suffered an illness, lost my job, have several credit card balances, could not keep the payments up, tried to work an arrangement with the credit card companies, but that did not work out either. Now they are all in collections, my credit score is trashed, and short of filing bankruptcy (I do not want to do), I am getting offers to settle for half of the balance. I do not own real estate, but have recently came into some money, not a lot, but if I settle with the collection agencies, I was told that I should request they send me a paid in full as agreed letter first for the negotiated amount, and will help my credit score.
Is there proper way to do this that will eventually help my credit report??
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In year 2007 July I filed a debt settlement program to settle my credit card debt for 3 creditors. Estimate pay off $425 per month for 30 months. In 2008 I got married and my husband didn’t know anything about my debt, he had a house which he brought it before we got married, he had refinance the house lately, it needs my name on the Deed of Trust under Tennessee Law. I already settle one of the creditor in 40%, but in December I’ve lost my job and I’m also 8 months pregnant now, which is really difficult for me to find a job in today’s economy situation. I just paid off the entire estimate amount recently but since I have not paid the creditor directly they accumulated the interest. All the money in reserve account is only enough to pay off 30%- 35% of the total debt. Is that enough? And what if they turn off my offer? Will they put a lien on the house even my husband brought it before we got married? Is it too late to file bankruptcy? I don’t care about my credit but I can’t let they take any action for the house or my husband; he has nothing to do with this. The two creditors are Chase and Citi. Many thanks!
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