Debt Elimination Companies

Need help with this debt equity equation? a total debt ratio of 0.3. Its debt-equity ratio is therefore (Blank) times and its equity multiplier is (blank) times

Can you help me? Medical Bills Has Ruined My Credit.? In 2008 I became unemployed. At the same time my child got sick in 2008 and I got sick in 2009 and we both ended up in the ER, with multiply tests, scans and an overnight stay in the hospital I owed $7236.51 which is now on my credit report in multiple accounts. Besides a student loan that is deferred (will begin paying student loan next month) those medical bills are the only other thing on my credit report. By them being so fresh how will I qualify for anything like a mortgage, rent an apartment, car; anything that will require them to look at my credit report. I just got a full time job that pays well, before I got the full time job I was only able to pay the collection agency $25 per month; of course I can pay more now, but will I have to wait 7-10 years to even qualify for anything. The last time I checked my score was BUMMER 560. I've heard about paying for delete by offering to pay a discounted lump sum but since I've already been paying them and if they find out I can pay more they will probably sue for the entire amount. My dad told me he can "give" me $3000 to help with my debt. Any legal doable suggestions.

need help with indian economy statistics 2010? information on current: trade surplus gross national product gross domestic product per capita consumer price index (most recent) inflation rate purchasing power parity prime interest rate real GDP growth national debt

Is there any agency or service that will give advice or help to restructure education debt? (Traditional "credit solution" type agencies won't even talk about educational loans. ) My loans are so old and dispersed that I need help figuring out who I owe what to - Does anyone help with that?

help!! having trouble with a Company called HFO? this company wont reason with me. they say they have more powers than a debt collection agency but i thought thats what they are. he would not tell what would happen next because i can not afford the payments he wants. i dont no what to do

Help Please After Tax-cost of debt? 10-yr bonds with a par value of $1000 that will pay $55 every 6 mths. the net amount of the capital to the firm from the sale of each bond is $840.68. If the company is in the 25% tax bracket and its before tax cost of the capital is 14% what is the after tax cost of dept?? Thanks for any help

Debt ????? IM looking for a good company that can help me out with my debts. I have over £10000 worth of debt to different things like credit cards and unsecured loans. Does anyone know of a company that could help me out with either a loan or a debt management.

Private student loan in default bad credit help? I have a private loan that due to bad circumstances in my life I was unable to make the payments on. It is in default status, and they are no longer accepting payments. I cannot come up with the lump sum of money they require to get the payments going again and need help. Are there any places that buy this debt and accept payments? What can I do? I have bad credit BECAUSE of this and don't know what to do. I don't know what my options are. Thanks. cmon, i know smeone has been through this!

Please help me. The hospital put me thousands in debt over an ER visit? I honestly feel like crying right now. And for a grown man, that's saying alot. Here's the story... On august 1st (just a month ago) i had the worst stomach pains i've ever had in my life. I was hyperventilating, sweating, and just all around freaking out. I've had really bad pains in my stomach before, but i didn't go to the hospital because i don't have insurance. So i held out and dealt with the pain. but on this day, it was so bad i was about to pass out and it was scaring the people around me. So, my girlfriend rushes me to the hospital and they give me a morphine drip for my pain and order a couple scans. A CT scan and an ultrasound of my stomach. Also a urine sample. I waited and waited. I first got there at 1pm and didn't get any real results until about 5:30pm. The doctor came in and told me i had gall stones and that the only treatment really is to either go on a bland diet or have surgery at a later time to get my gall bladder removed. So, he prescribed me some vicodin/ib profen and i was out of there by 6:30pm with a generic pain reliever prescription and a print out from google of what a bland diet is. I've gone on the bland diet and the pain has come back anyway, so they didn't really help other than to diagnose my issue. But that's beside the point. My real issue is this. I assumed since i was only there for a few hours and i didn't even have surgery or anything that my bill wouldn't be so bad. Maybe $2,000-3,000. And even then, that would be alot for me. A week later i receive the bill in the mail and mine and my girlfriend's jaws drop. I got 2 separate bills: 1 for the scan that was $500. Okay, not too bad. The other from the hospital itself for $12,000! I'm...simply dumbfounded. And the breakdown on the sheet of all the costs just made my stomach/emotions sink so low $3,000 for the use of the little room i was in for only a few hours $6,000 for the other scan $300 for the lube they put on my stomach for the scan And alot of other little overpriced things that added up And just today i got another bill for the doctors/nurses totaling $700. I'm so...sad right now. I'm in my mid 20's working part time as a janitor because it's the only work i could find. I only make $800 a month and i co-support my 6 year old daughter. How am i supposed to pay for this? These bills shot down any hope i had of moving up in the world. I was going to get a better job, save up for a better car. All that. And now from only one visit i'm thousands in debt. What can i do? I feel so ripped off. This has affected me to the point where from now on if anything is wrong with me, even if it's serious, i won't go to the hospital. With my mentality now, i'd rather die than go. What are my options? How will medical debt follow me? The more i google the more freaked out i get about all this. Can they take away my car and garnish my checks if i can't pay? I'm just...in shock. I'm hoping someone on here can help me out to calm me and my family down a little. Info about me: I make $800 a month i rent I don't have any assets other than my car and even then, my bill is worth 5 times more than my car I live in washington state I don't have insurance and social services actually said i make too much. Too much? Ha! I'm poor Any help, any links to any programs or phone numbers or anything would mean the world to me

What am I to do with my life? Can't think clearly...? Here it goes: I am in my mid-twenties, I am in college, I have a good job (somewhat) for the moment, but I feel like nothing is going right. My parents cheated on each other when I was young, and that led to the death of my father due to alcoholism and drug abuse. I never really trusted women because of that... I have sought help, but I feel that it has done nothing for me. However, there was this one girl I have taken a liking to -- and it was odd. She is my supervisor, so we are not really allowed to date. I got to know her better, and it turns out she is exactly like me. Even the same life experiences. Her parents cheated on each other as well at a young age. She read the same books I have, knows the same quotes, everything. Therefor, I was comfortable being myself around her. I have always shunned women away when they advance; I was always scared to get hurt. This woman I liked, and developed feelings for her. She complains all the time about how nobody likes her, that she is stuck up, etc. I talk to her about it. I have taken her to places outside of work to sit and talk. She told me she was seeing another guy. I know of the guy, and he is a person who is divorced -- she always said she wanted to feel important and get married and stay together forever. Why would you want to be with someone who has already been divorced? When a marriage ends, it is because BOTH people aren't willing to make it work; regardless of what the other tells you -- it is mutual. I was devastated... So, I told her we couldn't really talk anymore like that. She said she wasn't really ready for me to stop talking to her. I told her it was my decision. She then put her head down and said she had a lot to think about. Well, a couple weeks later, my friend said she was crying. So, I took her out again and did something special for her. I purchased a 2-cent penny and showed it to her. I told her it was over 140 years old -- that is 2 lifetimes in this one coin. I told her we will both make a wish, and since there is only one coin, as long as our wishes do not contradict, they will come true. I told her that there is something coming up in the month of August, and that it is something you can only do once in a lifetime. I told her to call me and let me know if she wished to go. She finally got back with me, saying she cannot. I asked her why, and she said it was because she was my supervisor. I told her I am not talking to my supervisor; I am talking to the person outside of work. I told her to tell me the real reason. She said she can't because of her relationship -- one that she says she regrets being in, but yet she keeps going back. Perhaps it is because he has money. I live at home to help my mother out because when my father died, he left her with loads of debt. If I do not stay here, she will be thrown out on the street. We really haven't any other family, so it sucks. I feel trapped. I feel like a complete loser -- and I can't help it. I do things with friends, but yet I always feel empty. I work out and I am toned -- I like my body, but yet I feel there is something wrong with me. So... I texted her back and told her that our wishes contradict. I know they did...because I wished for her. I told her good luck in her relationship and that it is really over -- which I do mean. The greatest gift you can give somebody is comfortability enough to be themselves -- without having to prove themselves or worry about being judged. I gave her that. I felt I was actually warming up to someone. I did...but one of the rare times I did, I get shunned. Now, I begin thinking about everything going wrong with my life... I have no other family except my mother, brother and sister... I have to live at home in my mid-twenties. I haven't enough care in me now to even try in school. I feel like I am alienated in my family as well because I am the only one attending college. I cannot stand this feeling. People say there is someone out there for you, but where? I mean, is there, really for someone like me? I literally jump at the thought of a relationship, but yet I want one. I want to show a girl things that really haven't ever been seen before, yet, I look for the first reason to call off a relationship. What is wrong with me? She keeps saying she wants to be important to someone, yet she completely overlooked me for some other guy after I told her how I felt about her. I didn't confess love, for I don't, but I really liked her and thought there was something there. I felt I was meant to meet this person for a reason. When I say felt, I MEAN I FELT I WAS SUPPOSED TO MEET THIS GIRL FOR A REASON. I would have never done anything like that before. I know this is nothing new in the world. Perhaps it is cliche, but this stuff will always be new to me; I was never any good at it. Is there something wrong with me? What can I do?

What debt reduction /consolidation agency that will give high discount to help pay off credit card debts? I need help with paying off my credit card debts. There are so many debt reduction /consolidation agencies that I don't know which one is good/authentic and will give the best rate (discount). For those who had gone through this experience, please advise. Thanks.

aviation, continue or stop. help me? i am attending dowling college and my major is airort manager and minor professional pilot. so the thing is i am paying tution by myself and no loans and tuition is 12k..but to have flight hours is roughly $350 for an hour and a half...and its ceratain licenses you need like ground, private pilot, instrumet, multi engine, and commercial.....it will come up to 45-50k... i cant afford it and ive been rejected many times by loans from differnt places....i wantedto be a commercial pilot but at the long run i feel like its not worth the investment...because my professor said they dont make money and not expect to have exotic car with a big house. he also said that you WILL be laidoff multiple times and will be in debt with college and flight time. i want a 80k car and a million dollar house or so...i live in a rich area in NY suburbs and i am greatful but i want to do it aswell for my kids in future. so does anywhere in the aviation field make 200k+? i love to travel but is it worth it? Please please help!

What is the best way to settle credit card debt? I am in search of a company or method that will allow me to settle or consolidate my credit card debt. I have researched some companys but I am not sure what is real or a scam. Fidelity debt solutions is one of them. Has anyone had any luck with any of the debt consolidation programs or debt settling programs? Let me know. I need help.

What is the best website for Christian debt consolidation? I have been reviewing different websites for help with my credit card debt. Because of religious beliefs I am hoping to find someone that can offer Christian debt consolidation. Does anyone know who are the best Christan debt consolidators?

Is financial analysis and consolidating debt really worth it? My boyfriend and I just had a financial analysis done but haven't gotten the results on our options yet. Is it really worth it to go through with this? Has anyone had experience on it? I mean we have debt but not so much we can't handle. On the other hand we are both mid-twenties and have no retirement savings started and we are not able to put much, if any, in our savings accounts. We will have the option to consolidate debt, start retirement accounts, have money to put in savings, and get better life insurance. Is this just a ploy for the financial company to prey on young people or is this real? Please help!

How long does debt stay on a credit report? I am helping my best friend clear up her finances and she has many, many old collection notices on her credit report that are helping to drag her rating down. They are probably 4-7 years old. Do these ever fall off? Or get written off? It seems like they just keep transferring them to other agencies. She also has a Household Bank credit card in collections - should this be paid first or the old debt? She tried to make arrangements with the collection agency for Household but they wanted much more a month than she could give them, and they refused to make arrangements so right now they are getting nothing. Help - I am not sure where to start. :(

How much campaign debt is Hillary Clinton left to settle by herself and her supporters? It is apparent that she's not getting any help from obama despite their dramatic presentation of helping one another including settling her debt. I'm impressed how the rookie Senator with no experience can get away with this against a Clinton.

What is the best debt consolidation service to use? Im Looking at a lot of credit card debt and its beginning to become to much for me. What services if any are the best to use when looking to consolidate? Fyi im have about 7 different credit cards with some substancial amounts on them!!Help Please!

How do I dissolve debt or get my mortgage payment lowered with a poor credit score to avoid bankruptcy? My husband's employer of 17 years chose to restructure the company. He is now pursuing a new trade entirely. Is there any grants or other money available for his new business and our family finances during this transition? Our debt to income is totally out of whack and we need help!

Who is the best debt Counseling and debt consolidation services? We owe a debt for around 9000 from different credit card company, we already received a summoned letter from 1 company coming from an attorney, we want to pay it off on a monthly basis and include the remaining debt that we owe to the other credit card company ,which financial services company can help with our problem.

What are your opinions on America relieving the debt of other countries? I'm just looking for a couple friendly and honest opinions about America helping other nations with their own debt, especially for those countries that are struck by disaster. Should America help these countries that don't have the ability to help their own citizens with the fundings they receive, or should does America have enough debt itself that we should be focusing on? Again, I'm not looking for an answer, just an opinion. Any sources that you have to support your position would be greatly appreciated, and thank you so much guys!

What is the US Government doing to relieve the national debt? I'd hate to say it but if there isn't a way to help with the debt then maybe we should consider an additional tax. ( and fire our current president) I think what we need to do is (with out sounding too corny) to focus on our own needs and make peace with other countries, we need not threaten other countries. We should work together, we are stuck in this area. We aren't evolving. what we are doing is living in the past, focusing on the nations problems. and not to mention, we are greedy. (does trump sound familiar, i do believe its a close race to be the richest man in the us, between trump and the owner of microsoft.) I mean besided creating business for the US what are they doing to help with the debt. And you've seen that '?' guy, mathew lesko, he says there are millions if not billions of dollars going to waste, where is it going and not to the current problem in the US. THE NATIONAL DEBT???

Where can I find a personal debt consolidation loan for people with bad credit? I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails always seem to be yahoo. Any info will help. I fell on hard times and am now able to pay my monthly bills but I cant seem to catch up what I fell behind on. PLEASE help asap. I have a 5yr old and I do not want him to suffer us loosing our home or car.

What problems arise out of excessive debt and inadequate saving? What problems arise out of excessive debt and inadequate saving, and how might the government might correct this? Need some help with the above question. I dont even know where to start Any suggestions of journals or journal articles i might read.

What are other options to bankruptcy to get your debt restructured, especially heavy credit card debt? This is related mainly to my personal business, and personal finances. Any help on this, or an organization to help with credit card debt consolidation, would be greatly appreciated.

Will consolidating my debt with a consolidation company worsen my credit or will it help? I am in debt with all my credit cards, i was thinking about consolidating my debt but I heard that was going to mess up my credit even more. Is that true?

Does debt consolidation work and help improve your credit score? I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?

What is the best way to eliminate debt and make only one payment? Ok I was in a car accident and I got behind on my credit cards (which I should have never had in the first place). I probably have close to $5,000 in debt and I am wanting to find the best way to get out of it. I also would rather pay one montly payment. Would a bank give me a loan to pay off the credit card companies? This would be easier for me to just pay one huge amount each month instead of so many individual payments? Also since I have late payment charges will this effect my status? Any who please help me with any advice you might have...

How do get my credit card debt to zero? I had left USA around 4 years back as I could not get a job(software). When I left I had credit card debt. Now i want to be back and normalize my debt. I currently dont have a job. I checked my credit report on the internet but confused with the terms. Its certain that collection agency must be trying to locate me. I cant figure out my current debt, thats when I left and now(including interest?). I need help in how to take the first step and how its going to affect my job-hunt.

what are the consequences of not paying off credit card debt? My family and I had an unplaned birth, and our now overwhelmed with medical expenses and the new expenses from the child. Since we did not have health insurance we became overwhelmed with bills. Over the last couple of years we have fallen progressively farther behind on our credit card bills. We have not made a payment on some of the cards in over nine month. Utlimately, besides lowering our credit score, is the consequences of not paying the cards. Can the creditors take our vehicles? Take money from our bank accounts? Garrnish our wages? We are very worried about our debt and would like to pay the debt off, yet feel very intimidated by the whole process. Thanks for any help

I want to consolidate my credit cards debt and get rid of high interst rates. What is the best way to do this? I have 4 credit cards with approx. $25,000.00 worth of debt on them. I would like to get ahold of a non-profit debt counseling service in order to get rid of the high interest rates and pay them off alot sooner instead of only paying the interest and the over the limit fees. I have not used these cards for the past 5-6 years and the accounts are closed except for me making payments on them. I am not even touching the actual principal that I owe, although, I have probably paid enough on these cards to have actually paid off the actual principal. How is the best way to do this and what are some reputalbe non-profit agencies that will help achieve this? I have also heard that some credit cards will take a settlement on some accounts. Is this a good idea and how much of the amount owed do they usually want? I realize that this may hurt my credit rating but to be honest with you it isn't worth squat now, so what is the difference? Does the debt consolidation hurt your credit as well?

How can I find out what state a Sprint "debt" originated from? I've been dealing with a debt collection agency trying to make me pay for a phone line I never had. I've gone through all kinds of calls, and for some reason, Sprint does have my personal info, and says I did create a home phone account. I have never owned a home phone in my life though. I had them send me copies of the bills, and there were never any calls made on this line, etc. But I'm getting away from my original question. I am trying to find out what state the debt originated in. This is because the statute of limitation on debt determines the validity of the debt. Different states have different SOL's so I need to find out what state Sprint debts originate in. I've looked all over the internet, but cannot find any answers. HELP! Thanks all! I live in Florida, and did at the time the "debt" originated. I believe the creditor can pick whichever state has the longer SOL. Luckily Florida is 4 years, and that passed a few days ago. kansas is only 3 years, so that'd be great.

What to do when Debt Validation company sells account when you try to validate the debt.? Every time i try to validate the debt with the collection companies, they sell it to another company before the 30 days are up. How am I ever supposed to get this taken care of if they keep selling it off before it is validated? Help please.

What is the best debt settlement for $12,000 and lower debt? I recently switched jobs making significantly less money. Now I am past due with bills and am getting some pretty rude calls from creditors. I want to pay them but am having a hard time. I have been seeing commercials about debt settlement and needed some help deciding who to go through. I have a little less than $12,000 to pay off. Please site sources when you can and THANKS ahead of time!

What is a good way to eliminate credit card debt? i am having a very difficult time paying down the balances that I owe on my credit cards. I've tried calling them up myself and negotiating the interest rate, but they refuse to lower it. I can barely afford the minimum payments and just want to be done with this. I don't want to file for bankruptcy, I'm just looking for other methods of helping me eliminate this debt that I carry. Any help would be greatly appreciated!

What is a good organisation to help me with Debt management/consolidation? There are many sites on the web, but most of them charge monthly fees and setup costs. I need help managing my credit, developing a budget and getting out of debt. Are there any good companies or non-profit organisations that provide these services?

What are the reason or factors of someone to get denied for debt consolidation? What are the reason or factors of someone to get denied for debt consolidation. With all the bills, by doing the math it is clearly that money coming in, is not enough for the money coming out. I'm thinking of applying for debt consolidation, but what if they don't accept it. I'm running out of options. Bankruptcy would be last on my list. Please I need help/ advice. Thank you.

Are there any debt consolidation companies that really work? With the current economy, and my work hours being cut, I'm in need of some serious credit card help. It's now a decision between the credit cards and housing/food. If I could reduce my debt and make significantly lower monthly payments, it would be a life saver! Do any of these companies really do what they say? Also, what would be the impact on my credit ( as opposed to bankruptcy ), and how long would it take for this to drop off my credit bureau. I'd appreciate any advice.

How do I know if the debt settlement company I'm working with is competent? I'm so worried about getting screwed by an incompetent company. Also, I checked with Debtmerica and they're trying to charge me a 15% fee to do the debt negotiation. I've checked with a few other places too and somebody recommended going with an attorney-based debt settlement company to get better results. Any help would be appreciated.

Whats better, debt restructuring or filing a bankruptcy and starting over with less debt? Mortgage restructuring can help but may still be unaffordable with cutbacks and rising costs. Debt reorganizing can still be borderline affordable. A full bankruptcy would alleviate debt but be a negative impact on credit much longer. Whats best?

Why does a Debt Management Plan ask if you have over 1000 in medical bills? We are about to begin a debt management plan through CCCS. One of the first questions on the application is do you have over $1000 in medical bills. Why do they ask this? Will they help with these bills?

A debt collector made remark in my credit report which is a complete scam. How to remove it from my report ? Debt Collector : Lowell Portfolio Report Info : My report from Experian mentions that I am a defaulter with 54 GBP in debt with 3G which is complete allegation. They harrassed me and I sent a letter that I will sue them for bugging me for no reason and proof. They stopped sending mails but made a remark in my report. I am going to apply for home loan and I am really worried. Please help !

who should I see regarding credit card debt and financial recovery ? I went from making 350k a year with my x to barely skimming with a heavy load of cc debt. Is there hope? I need to consult with someone who understands how to relieve debt and possibly help me to get back on the good financial train? I may be owed tax monie's. I'm in a slump.

How do you cope with the emotional drain of being in debt? I'm working diligently on getting out of debt, but oftentimes it seems never ending. Any words of wisdom to help me cope with this?

How does consolidating your debt affect your credit score? Is it a good idea? I just sold my home, and over the next year, I'm going to work on fixing my credit. (no mortgage or rent-living with family) How do these type places really help you increase your credit score while paying off debt? How much do they cost, cause I know they're not doing it for free.

What resources will provide us with honest Debt Consolidation of our Credit Cards? I'm looking for companies or Non-Profits that will help, not hinder in this process. I would prefer to pay the debt off in 4 years, however, the problem is we might need the Credit Card in case of an emergency. NOTE- Some services require that you cancel the card once paid off and/or suspend the credit while paying this debt off.

Has anyone had any good experience with debt reduction programs? I have done it once with dept consolidation program, but it appeared on my credit and totaly ruined it. Now i got a letter from other "not "consolitaional program, but debt mediation... I dont trust any of them, but I really need help in reducing my debts.

How can people with bad credit get a loan to help fix their small debt problems? I have debt of 5,00,000. I am paying almost 35k monthly as EMI, Interest. Can anyone suggest me how to clear all the debts. Is there anyone who can lend all the amount and get a reasonable EMI. Any institute or bank there to solve this.

What debt should I pay off first to help my FICO? Hey, I've just been blessed with a nice advance from an entertainment company for 150k. I wanna get some advice on what debt should i pay off first. My fico is 430 and im trying to buy a house but i have some car repo's, credit cards and 1 apartment as well as student loans. Please if anyone has advice on how to turn it around cuz i have the money now to pay off debt. Thanks!

HELP WITH CONSUMER MATH / FINANCE ?? HELP PLEASE??!!!? I've read the lesson like three times. I can't find the answers. Can you? 1. What are the results of having a poor credit score? lower interest rates higher credit limits lower gross pay none of the above 2. Interest rates on a longer loan are lower than interest rates on a shorter loan. True False 3. On average, compared to a person with good credit a person with poor credit will pay ________________ for insurance? 5% to 10% more 10 to 15% less 20% to 50% more 25% to 40% more 4. What does a FICO® score represent? outstanding debt income of debt ratio creditworthiness length of credit history 5. Having a high credit score leaves more realized income for what? luxuriess savings debt repayment all of the above 6. How long does it take to rebuild your credit history? 8 years 7 years 9 years 30 years 7. From a bank’s perspective, a person with poor credit represents more ______ to default. risk interest collateral guarator 8. How many monthly payments are there in a 30-year loan? 30 365 360 100 9. People with poor credit tend to file more insurance claims, and thus cost the insurance companies more money. True False 10. When you have no credit the credit card companies do what? assume you have excellent credit assume you have poor credit offer you a low introductory interest rate offer you a balance-transfer card

How Can I pay off my debt, and stop my shopaholic problem? Sorry this may be a bit long winded but it has been over the course of about three years. My life is hectic because I've been going to school to get my Business Degree for the past two years, and I'm on to my third year now. I never wanted to get a student loan, so I just kept my job and worked and went to school. My job is part time but its at least 4-5 nights a week sometimes so it was really hard doing full time classes along with work, so I started taking my classes part-time, as well as I found I never had enough for tution. Anyway I bought a used car during this time for 7500. At the time I had a car loan - I had it paid down to about 3775. At the same time I had a credit card bill that was nearing $2000 dollars as I had been paying for tution and school fees on credit because I wasn't saving enough from my job to cover school. So my boyfriend advised me to take out a student line of credit for $10,000 and consolidate my debt. I didn't think this was too good of an idea, because I know what I'm like with money and I know I shouldn't have access to large amounts otherwise I get silly with my spending habits. Sure enough, here I am today I still owe about $1500 to Credit Cards. And my line of credit Balance owing is $7333.00 - and soon to be more more as in September I have to pay my tution with that line of credit. So I will almost have it maxed out. I currently live at home, and had been paying rent over the summer but I don't think my parents will make me pay during the year. I do help out alot with cooking and buying groceries, and I buy most of my own food. So basically my expenses are food, gas, car insurance ($120 monthly), and tution which is $2000 a semester. My usual pay cheque is anywhere from $500-650 every two weeks. I also have a very bad habit of spending alot of money on clothes, makeup, and things that I feel like I need - like shampoo, and personal grooming things, as well as enterainment for the month. I always say to myself not to spend money, and I usually buy things that are cheap but somehow all my money is always gone and I'm left with all this debt. I'm really starting to get scared and I feel like I just owe owe owe, and I don't know where to start or how to budget my life and start paying these debts when I hardly make any money. Does anyone have any good advice for me, for a student trying to cut down spending and pay down debt? I also have this compulsive need to go to the mall and buy something everytime that I do, kind of like a shopaholic problem, its really bad. Thank you!

Help with this criminal Profile? (How do I get the police's attention?!)? My dad owns this laundry and it has all these important wires that make all the machines work (On the roof), But someone climbed to the roof and cut all the wires, and took them. The police are not cooperating To repair everything costs $5,000, My dad is already in debt, I don't think we can survive this anymore, So here is my profile of this guy that took the wires: It is a man, because those wires are super thick and hard to cut, He used scissors because the left over wire was cut weirdly and messy My mom said that because they are expensive they are going to sell them, but in order to sell them, you need to fix them, so they have to be good with tools, A mechanic maybe or he payed someone to do it for him. since he wants to sell it, he probably isn't so good with money, (It was cut at night) There could have been two people, Someone has to hold the latter and watch his back, or he would've climbed the trash cans There has to be a witness, the laundry is in Chicago near downtown, a lot of people drive by all the time, there are houses in the back, front, and to the sides, surely someone had to have seen them, My dad is already in debt by trying to sell it, I can take this anymore, I want this guy caught! How do I get the police's attention, they didn't do a thing!

When does debt owed to another person expire? My girlfriend is getting letters from her ex asking for money. She lent a few hundred quid while they were together but mainly paid it back. She has never agree to the amount they are asking for. They want like £1900 or they will pass to a debt collector. This money is owed £2600 according to a copy of their bank statement. My girlfriend last heard from them in 2008 in the form of a letter from a debt company chasing this amount. She wrote back to them requesting evidence. A letter was recieved just list random amounts of money and reasons. My girlfriend replied to this stating that it was not 'evidence' nor had she agreed to owing that much. I just want to help her, what can she do to make this go away? She does not owe that amount of money and I don't want her to be made to pay that plus interest back. I know bank debts aren't enforceable after 6 years what about personal non contractual debts with no real evidence?

How do I go about consolidating my credit card debt? I have a good credit score, last time I checked about 6 months ago it was about 720-730. Recently I have acquired a big credit card debt, about $9,000 on one credit card (with a limit of $10,000) and about $3,000 on another one (with a limit of $5,000) for many different personal reasons. After the whole spending money ordeal was over, I was left with all this debt on my credit cards. Since then, I have cut back on all unnecessary spending, besides the obvious things like food, gas, etc. I have never been late on payments and have never been over the credit limit. I Also try to pay an extra hundred bucks on top of the minimum payment due when I can. Are there any good ideas on how to consolidate these two credit card debts and help me out with all this? Thanks!

Will paying off my debt in a year help increase my credit score? I am currently 15,000 in debt and I have a really bad credit score, I recently got a second job because I want to move and apply to pharmacy school. By my calculations with the second job in a year I'll have tow to three thousand left. I have a repossession on my credit as well that I am paying off. Will I be able to get an apartment and raise my credit score?

What is the best way to become debt free? I have looked and read all kinds of diffrent stuff. On debt reduction, debt consolidation,debt settlement. I know that I don't want to file bankruptcy!! Im about 8,000 in debt with-all mostly being hospital bills. I am a mother who makes about 17,000 a year, and it takes about that much to survive. So Im trying to figure out a way to get out of debt, be able to afford the payment and it not hurt my credit score. Please anyone with experience -Help!!!!

Can debt collectors charge interest on purchased credit card debt? I would like to know if interest can be charged. It wasn't supposed to be in the past but with the increase of purchased debt it seems debt collectors are making their own rules as they go. I am completely up to speed with everything except laws surrounding credit cards. Can anyone help out? Links are very much appreciated also. (and no, it's not for me so no personal opinions on being in debt as I don't require that advice - Serious answers to the question only please) This is a NSW matter.

Is there a program to help people with low credit scores but little debt purchase a home? I have never purchased a home, just got married, kid on the way, little debt, good income.

What are the IRS laws regarding discharged debt when the debt amount on the 1099-C form was incorrect? I received a notice from the IRS regarding a discharged debt of $9,000.00. The letter stated I owed the IRS $1,400. My actual credit card debt was $5,000 (not $9,000). I never had a credit card with more than a $5,000 limit. I found out the debt was sold to another company and they almost doubled the amount of the original amount. How can I correct this mistake? Thanks for your help!

Telephone call i had says they can help with my small debt payments? I had a telephone call from a debt company saying they may be able to reduce my debt repayments, Its not what i call a lot but they want me to let them take charge of my repayments each month and say they can get my debts paid sooner but i need to get another bank account to stop my bank from taking out more than they should, they say its a Government Legislation to help people in debt just come out recently to help people get out of debt. Its also to stop my Interest on my Loan and to make my payments smaller each month. Is this right or are they 'having me on' May i point out my debt is small compared to what you hear in the papers and my wife and i are just uncertain if we need help, so please only answer if you know what you are talking about ANF My payments should be finished in 2 yrs but they say the payments through them would cut it down to 1yr 2 mths. Thanks anyway

Help with correcting credit that was damaged years ago? I just found out that a family member used my social and never paid the debt. I was 10 years old when this happened and I'm almost 20 now. We've paid the amount but now I just want that debt off my record because it doesn't belong to me and I shouldn't have that impacting my credit. I got a credit report but because I only use debit cards there is really no information on there, and the debt is so old that the details like the date of the transaction or any real contact info for the creditor isn't listed. I don’t know what to do. I've already paid the debt though so I don't know if I can dispute a debt that has been paid

will there ever be government bailout/help for student loan debt? I am drowning in debt with over 90k in student loans. 20k is capitalized interest, over 20k of that is private student loans, the rest is federal. I tried filing for bankruptcy nad that was not an option. I can't consolidate my private loans. Will ther be any hope for people like me in the future? I am bearly surviviing here.

Questions needing answered, only people with strong intellect in English should answer!? Im going to be a sophomore next week, an I have a english packet that needs to be done, I have done most of it but these questions, let it be notted that no one that I have contacted knows these answers, the answers are found in the book, "How to read like a proffesor" 1.How can a road be ironic? (2 answers needed) 2.Explain how the concepts of symbolism apply the the "cave" analogy in Passage to India and Plato's "Parable of the Cave" (3 answers needed) 3. In order to understand a symbol's meaning, a reader must: (3 answers) I really need help with these, if you answer these I will be in debt to you :D

I am very very overloaded with credt card debt and need some help re bankruptcy or using one of the ads on TV? I am 70 years old and have 50k in card debt..divorce and my fault after that. I own my own home in a very small town in Nebraska. Pension and small SS has found me eating Top Ramen mostly. 800 numbers that I can't answer call all day.

I am 26 about to get married (in a year or so); I'm also thinking about moving out but I'm $70k in debt. HELP!? Greetings, I make about $25k a year working from home. I am currently engaged and would like to move out from my parents house in a year or less; to free up a room and to provide privacy for my wife and myself. I'm sure I could find a room/apartment/house to rent out for around $500/month, I have only a $450 monthly car payment with another $130 for the car insurance, a $40 monthly cell phone bill, and a $60/month credit card bill ($680/ month in bills), I do not have to pay rent living with my parents, I have my own room. Here is the catch; I am $25,000 in debt from school & $40,000 for auto loans and $3500 with one credit card. I am in default, currently with the school loans but Current with everything else. I do not want to involve my future wife with my past debts. Should I simply get a job working full time and work from home as well? (I figure with my experience I can make around $10-$15/ hour, $400/week take home plus the $1100 or so I make from home a month. $2700/month would be $32,400/year but my debt is $70k and I have $8,160/years in bills from this debt. How can I get out of debt, do I have to work to pay it off or should I go back to school and incure more debt to work to work to pay off the debt? Thanks for any responses.

Why is it that neocons are willing to plunge the country into huge debt with endless senseless wars? Yet won't want to fork over one penny to help the needy? They only want to help the greedy.

Credit card debt, What to do with my good cards,? I have alot of debt, but I also have a couple of credit cards that are in good standing, but do have large balances, I decided not to use them until everything is paid off, should I be using the good cards everyonce in a while, would this help my credit, or should I stay away from even using my good credit cards till I pay off everything.

I need legal help with a house? I need legal advice on a joint mortgage? In 2004 my mother put down a deposit on a house which was shared by me and my brother. We both lived in it until 2007 when I got married and moved in to an RAF Married quarter. I continued to pay my half of the mortgage, house insurance and grounds upkeep while my brother remained in the house where his girlfriend moved in with him even tho he kept the council thinking he was on his own. In Sept 2009 he decided that he was going to give up his job and move out of the house and go and live with our mother who is 150 miles away. I'm in the RAF and live 260 miles away so cant live in the house, my brother has stopped paying his half of the mortgage and I cant afford to pay his half (I have continued to pay mine all along) He asked me to put it on the market which I did and now I have had a debt collectors letter saying that the H.I.P people want the money for the h.i.p now or debt collectors will be calling to the empty house. I have another letter saying that the cost of the hip will be due for paying either when the house sells or in Oct 2010 and yet for some reason they want it now. Apparently my brother contacted the estate agent and complained that the house hadnt sold and that he wanted to put it on the market with someone else but I am happy with the original estate agent and so it is still listed on their website up for sale. I dont know what to do. The mortgage account has a £270 overdraft and is currently (3 Aug 2010) -£199 overdrawn. My payment of £160 goes in tomorrow but my brother never paid anything last month and probably wont this month. And I've got the h.i.p worry I'm in the UK. The house is in Wales and I'm in England where do I stand legaly if I have been paying half all along and he hasnt? Fortunately there have been no missed mortgage payments yet as I have put in extra where required to ensure that this doesnt happen.

Help with Lithium tired sleepiness? I've been on Lithium for 1 week for bipolar 2. I went to the doctors yesterday and he said to increase from 300 mg to 600 and will probably go upto 900 next week. The only bothersome side effect I'm having is that I feel like I need to sleep 20 hours of the day. I fell asleep at work while on a call yesterday. This disturbs me and I told my doctor and he said it's ok, and he has no solution. He also said we won't be doing bloodwork til I get upto 900mg. So I don't know how I'm supposed to make it through the day. Yesterday I went home early, saying I was dizzy, and I had a 5 hour nap. I do sleep 7 hours like a rock through the night so this makes no sense to me that i feel SOOO tired. So this morning Im up, and i feel like balling my eyes out because i NEED more sleep but I have to goto work. Work is another issue, I am stuck in that job to pay my rent and it's an awful job that makes me depressed (i give out debt for a living) Doctor says it's my being impulsive that allowed me to go home early, but I felt like i didnt have a choice to stay, i HAD to sleep. what do i do ????? I feel the same if not worse today. I'm at work now. I feel like i shouldnt ask my doc for time off work to adjust as i will look lazy and he wont want to approve laziness, or should i ask ??? i have major attendance issues at work, so going home makes me feel really ashamed. What do I do about this tiredness??? The doc said its ok to feel sleepy as long as i dont have the shakes or a rash or anything. I wanted to call in sick and get the sleep I need. But i'd get fired and then couldnt pay my rent :( What do i do ???? I'm TOOOO tired to function and survive the day, i jsut want to go to the bathroom and cry my eyes out cuz i want to sleep. what do i do ??

Can I ask the collection company to return my debt back to my management company? I wasn't properly notified about my debt, they said it was something with the mail. So now it's messing up my credit. I need to know what to do? PLEASE HELP

HELP! Finances in a relationship...? I'm in my mid-twenties, single woman and I have good credit that I have built and worked to maintain. I pay my bills on time, and I take some pride in not being stupid about my finances...unlike most people my age that don't seem to really care about their finances. Anywho, my current boyfriend whom I've been with for almost a year now!!!....has recently disclosed his debt to me. He did not tell me about it, until last week, so this whole time I believed he had just a foreclosure on his credit, from 2007, He currently owes 10k back in taxes, that's the cumulative amount, dating back from 2007. He also owes 11k, to a charged off equity line that he hasn't made payments on, since 07'. AND to top it off, he also has a vehicle in his name, that his exwife drives, that she supposedly gives him money for each month, ...this auto loan is paid late almost every month. I don't know who is to blame for that...but then again I don't know why he is still financing a vehicle in his name for an EX SPOUSE anyway. Ugh...it's a mess. What can my boyfriend do to build his credit as quickly as possible? He is a really nice guy, but wow is he irresponsible obviously! I can't see a future with him until he seriously points a dent in his debt and raises his credit. He gets "emotional" everytime I try to discuss finances with him. I don't know where the emotion aspect comes into this...this stuff simply has to be done. And there isn't any excuse for his neglect to it. Someone please help me with some advice...what can I do to help him? What can he do for himself? The guy is almost helpless when it comes to these things... :/

Would you help pay off debt for someone you were dating as a result of a divorce? If you were dating someone and could see a future with them, would you help them pay off debt and buy a house in your name due to their bad credit as a result of a divorce?

Can the Citizens Advice Bureau help me deal with my debts. Please help? I have £10000 worth of unsecured debts and have little income. I have been looking for another job for the past 6 month but have had no luck. I can't afford to pay my debts because they have doubled. Will they be able to help as I can't go on like this? I have no money to even eat. If they can help what will they do and what do I have to bring with me? I live in UK btw. Thank you I dont pay for this internet. This is my friends internet at her home.

help! with housing? council is it an option? i'm currently living in a private rented house and i'm desperate to move. I really don't know what to write on our housing application form. Or what boxes to tick My reasons for wanting to move are manily my next door neighbour, he is the most vile man, he swears infront of my little boy and i'm honestly quite scared of him i no longer go into the garden when he is out there which is ridiculous. i have a german shepherd and 2 cocker spaniels, he is scared of my cockers and has written to the council so many times to complain about them that he is worried they may get in his garden and ruin it (they cannot get in his garden and wouldn't if they could) he once phoned the police and told them i was screaming at my child (no matter how annyoing my little boy is i would never scream at him or do anything to hurt him) i just can't live like this anymore i don't know what to do. Does anyone have any tips what i can write to explain this, or will i actually get anywhere on the council list as i have heard its really not worth it. We cannot afford the expence of moving house aswell as the deposit private renting requires, plus a lot require guarantors and agents fees if you go through an agent, my partners just getting somewhere with his debts so borrowing really isn't an option. (Surely i'm not being unreasonable to not want to sit down and discuss anything with this horrible man, when my partner tried to talk to him he was reported to the council for being violent towards him when it was actually the other way around)

Help with a home equity question ? My husband and I have purchased a home, a year this June. Now we are not in any way in debt over our head but we would like to pay the existing debt of 8,500 (its high interest debt, like 22 percent so this is why we wanna pay it off) off plus have extra to go back to university since we can not qualify for a student loan. I am just lost as to know how much equity we could potentially have? Does it matter that in the last year we have sank 20,000 in upgrades? We bought the home for 212,000, our mortgage is at 210,000 as of now. With a combined incomes of about 85,000.00 We don't have the best credit but its not horrible. My brother in law told us as of today he would put our house on the market for 269900.00. So can anyone give me a clear answer? I am just so lost. Thanks again

i'm burden with a debt? I'm a foreigner working in Saudi Arabia. Last march I barrowed a certain amount of money from my co-worker, a Pakistani. This amount of money is due this month of June, per our written contract. However, I'm thinking of delaying the payment next month because my wife and child need this money for this month very much. But I know this Pakistani will not accept it. And I think if I don't pay him this month, he would be 'loud" and would go to the personnel dept to inform them that I defaulted of my payment, making me appear "a bad person". My question is, should I pay him the money this month and let my kid and wife suffer, or shall I default and delay payment till next month. I WOULD REALLY PAY HIM NEXT MONTH if I would default this month of June. Please help. Many thanks. by the way, i'm using my wife's email address,per her permission because my email add is with msn. thanks

Are there any legit tax help places? I need help with my debt owed to the IRS, I'm on a fixed income would love to talk to a company that is not a scam. and can help with lowering or wiping out an irs debt.. I heard of tax masters and roni lynn deutsch law firm.. both scams.. so if you have any advice pleas post.. thanx

I want to get back with my ex, please help, need advice? I met this guy a little over a month a go through friends and we dated for 3 weeks, texting each other back and forth, talking on the phone and he introduced me to some of his friends, two of which were his bosses from work. We really got on, had a laugh, was able to talk to each other about anything etc He broke it off with me via text but apologised for doing it that way and said that his head was in a bad state of affairs and that he wasn't ready for a relationship, he thought he was but he wasn't (he broke of an 8yr relationship last year). Part of his "problem" is that his ex still lives in their house, he wants her out, she dates other guys all the time, they are going to a solicitor to come to an arrangement about the house, she has been out of work for a while, in a lot of debt including to him etc etc etc. so he does have a lot on his plate. I, on the other hand am not long out of a 13yr relationship and my ex killed himself while I was dating this guy so "timing" (for lack of a better word) was completely off as circumstances on both our parts didn't give us a good enough chance for things to work out. I did text him to let him know that I was thinking about him and hoped that he was ok but he never replied but to be honest I was really expecting him to although it would have been nice to hear from him. He then mentioned to his friend (who is dating my friend) that I had been texting him and his friend told my friend to tell me not to text him (what went on in that conversation I don't honestly know) so I haven't. My problem is that I really like him, I want to give it another go and he knows this but my friend thinks that it's too soon for both of us and wants me to forget about him but I haven't been able to get him out of my head. I don't want any awkwardness between any of us (him, my friend, her bf) and I know I should give him some time but how much time should I give?, I want him to know that I'm still thinking about him. He knows that I want to talk when he is ready but I don't know if us getting back together at some stage would be what he wants. I know some of you will think that if I haven't heard from him then that is the answer but we never argued, he told me that he wasn't using me for sex, said that he liked me and that I was down to earth and very kind and generous "girl". Could it be that he has too much on his mind to think about anything at the minute. He's a shy guy, I had to make the "1st" move for anything to happen between us, will he make the move this time himself?, we don't mix in the same social circle so how can I "bump" into him again? Please I really need some help with this. Opinions and advice greatly welcomed. Thanks

I need help with some financial stuff...? ok well i went through a hardship about 2 years ago. I was unable to pay my bestbuy card and I now have the money in full to pay it and I want to get this debt off my chest, but..... there is no phone number to contact HSBC/BSBUY and I only have the address (PO BOX 15519 WILMINGTON, DE 19850) on my credit report. So do I just send a check to that address or what should I do. I really just want to get rid of this. Please help thanks.

Debt with the Law Offices Of M. N. Kay? Hey guys, I was wondering if you could help me. I am 23 years old and Received a letter from the Law offices of Mitchell N. Kay. I currently am waiting to join the Navy and I keep telling them they are going to have to wait until I get paid, but they keep calling me and harassing me. Is this normal? Wth should I tell them?

When the Economy Collapses, will you be ready with the new realities? I work in the financial sector, most of you who don't have their head in the sand knows this economy hasn't even started to go into the decline yet. The government is doing nothing but rearranging the deck chairs on the titanic. The over priced stock prices will fall again after the bogus printed money that's been pumped in the market dries up. The real unemployment rate is near 20%, we have lost our ability to produce anything. EVERY major bank is being propped up by borrowed money, they are repaying the money back with a technically worthless currency that is borrowed or printed. I could go on and on, but those of you that know the truth...the shell game is nearly over!! We all know the economy is on it's back and it will get worse, in fact it's going to get real bad in the next 12-16 Months. We will see property values fall 50%-90%, the reset of rates will happen this summer and will be a massive torpedo in the side of the over-all economy causing a domino effect that will be devastating. We will see an economic effect that will make 1929 look like a walk in the park, there really is no way out at this point. Greece, Spain, Ireland, Iceland are nothing but hiccups for what is coming globally. We have 41 States that are technically bankrupt. As an example Illinois spends 3 dollars for every 2 it brings in. Arizona has a 41% budget gap...and on and on. If America was a family it would look like this: Family makes 50K a year, they live in a 400K home, have two car loans that are upside down and have 160K in credit card debt and they help pay their bills with loans from family members that are getting pizzed off. In other words...the game is OVER, the jig is up and we are in our death throws right now. Some of you believe the smoke and mirrors that the government has placed up, you can't spend money they produces nothing and backed by nothing, this question is NOT to you! My question is for the people who are awake and understand the state of our broken, hopeless situation we are in. Are you ready, food, water, communications, first aid, protection against armed hoods/gangs, the ability to grow food? Folks, this is very serious...are you making your preparations??? jehen: True there are 6 billion people on the planet, yet 80% of them live on less than $100 per year. The entire stock market is bogus, when it crashed they only pumped in huge amount of borrowed money backed by nothing to prop it up. You say tax hikes and cutting services will do the trick...LOL, please tell me your joking!! Try and sell that recipe for disaster to the American public, it ain't gonna happen...and even if it did it will only further sink the economy

i have just lost a business am in massive debt and have just been dumped.. how do i cope? I am in massive debt after a company i started failed to take off. My partner didnt help and was really unsupportive from the beginning and has since left me. I have found a new job but i am suffering from daily panic attacks and anxiety and feel like im going under with the debt and worry and upset any advice?

i have about 27,000 in debt,how can i go about paying that off? i have my credit report and it says i can pay? about 50 bucks a month....to who? i really want my credit score to go but i really don't know where to start,can you help with the question?

best grant sites to get grants for bills and start business? i'm in debt as most are. my doctor told me to get out of present profession.its going to kill me. i agree. i,d like to pay off bills and start either a small diner or a small adult home where we could give them more to do hands on stuff with help.they don,t go down hill so fast that way.more trips. ETC.

Without going broke, what is the best way for me to deal with credit card debt? I closed a credit card account due to ridiculous 29%, and have a $1600 balance. I recently got laid off and if I pay minimum ($100/mo) I'll end up paying that money dor rest of my life!! Please help!

Can someone help with Accounting's Credit and Debt! Please? I am sooo confused... When do I post it as CR, Or When do I post it as DR.....

PLZZZZZ HELP WITH HISTORY!? Which most clearly contributed to the rise of dictators in Europe and Asia during the 1930s? economic crisis confusion and disagreement over borders popular interest in showing military strength new theories of government 16. What happened in Germany, Italy, and Spain during the 1930s? Parliamentary governments had difficulty forming coalitions. Democracy prevailed with governments struggling to pay off war debts. Fascist dictators assumed power. Leaders rose to meet the challenges of the times. 17. The fascist dictator of Italy was known as "Il Duce." What was his name? Napolitano Franco Nicola Mussolini 18. What action by some European leaders led to requests for the League of Nations to help? They refused to repay debts. They captured soldiers from other countries. They invaded other countries to gain new territory. They raised taxes to a very high level. 19. Why did the United States pass five neutrality laws in the 1930s? Congress was unwilling to develop additional alliances. The United States was encouraging everyone to avoid war. Congress wanted a return to isolationism. The government was fine-tuning policy toward other nations. 20. What program did Franklin Roosevelt develop to provide supplies to the English in return for establishing a U.S. presence on military bases in Bermuda, Newfoundland, and the West Indies? Cash and Carriers Lend-Lease Supply and Land Borrow-Benefit

I AM IN HEAVY DEBT HELP? Hi my name i am in vary heavy debt I have 4 student loans and 6 personal loans and credit card debut I have $5,000 in 1 student loan a norther $5,000 on my second loan and 10,000 on my 3rd loan and 2,500 and my 4th loan they are all the same APR of 14.00% but my last loan has 19.00% and my personal loans are 1.has $25,000@15.00% I bout a car 2.$6,000@16.00% to pay off some credit card debut 3.$18,000@18.00% on a home improvement loan 4.$23,000@16.00% on a death in my family 5.40,000 on a home Mortgage 6.$2,000@11.00% on a personal loan on my credit cards I have 3 1.visa bal 40,000 with a 10,000 credit line 2.Amex gold 30,000 with a 15,000 credit line 3.MasterCard Platinum 48,000 with a 20,000 credit line TOTAL DEBUT= 300,000 in debut I have a salary of 65,000 a year. What do I need to do I am a shame of my self for over using my debut I had Perfect credit I am 33 years old my credit score is 559 it used to be when I was 26 770 :( please help me I am vary sad and don't know where to turn to :( Help

Need help with a title of a play? Does ANYONE Know the name of a Broadway play that is about a Man who commits suicide to get rid of debt ?? Please let me know ~ ASAP . thank u =)

I'm lost and need A LOT of help in reference to BEING IN DEBT!? Good morning everyone! I'm in over $6000 debt w/ my bank of america credit card. At least $2000 with cell phone services. And a few hundred dollars with an old checking account (of course currently closed). I'm posting this information to help you guys answer my question HOW SHOULD I GO ABOUT GETTING OUT OF DEBT? Ive received a few diff. letters a couple months back from different collection agency's. Should i contact 1 of them and try to start paying the debt off? Would i be contacting bank of america/sprint/at&t INSTEAD of the collection agency's? Please help guide me in the right direction!

I need help with college stuff! I FEEL AWFUL!? I have already committed to a going to a private christian university in the fall. It is the ONLY place I want to go to. I seriously cannot picture myself anywhere else. It's my dream college. However, it is very expensive. Including the scholarship I have gotten, it's going to be about 20,000 a year. Is this normal? I feel overwhelmed. I feel like when I come out of college I'm going to have a huge gigantic loan to pay off (Over 100,000). I am going to college to become a clinical psychologist. Which is the only thing I want to be and the only thing I can seriously see myself doing. It's my dream job. But the salary is only between 60,000 - 80,000 a year. My question is, if I have a loan of approx. 100,000 - 125,000 to pay back after college, and am only making between 60,000 - 80,000 a year, can I do this? Is this possible? I am not super materialistic so I don't expect to be living in a super nice two story house or anything. Just a nice one story. Am I going to be miserable after college? I feel like I am getting myself into a huge amount of debt and it will be extremely hard to pay it all back.

is there any way to try to work out a payment play with bt as they have given me an extension before but i am? not in a position to pay them and i have tried to plead with them for more time if they terminate me what happens i am already on a debt management plan as it is is there anyone i could speak to try and help with this they have given me until the end of the month to pay and i don't have it what do i do i meant plan sorry if they terminate me what happens and if i get a job and pay them off will they give me another phone line

HELP I AM SERIOUSLY UPSIDE down with my car equity!? I have made the decision to do the Dave Ramsey plan to get out of debt. Right now I have a 2009 vehicle that has a blue book value of $12,970.00 and I owe $18,813.00 I want to get out of this mess and stop the cycle of high payments. I also owe a lot in credit cards and student loans. I am going to make life changes and I want to begin with getting rid of the car. Now, I thought about trading it in but dealers are going to give me about 2K less than the Blue Book. So, I am thinking about a private sale. I have never sold a car. The bank holds the title. Do I come up with the negative equity balance plus the private parties money in order to officially sell it? Does anyone have other suggestions to catch up with the negative equity to get out of this mess?

How to settle with credit card companies on balance owed without outside help? Does anyone have a good way to settle-negotiate the amount owed on a credit card without using a debt settlement/consolidation company?

Help! Debt validation, negotiating "Pay to Delete", dealing with collection agents? If you are one, help!? I have 3 debts ranging from 2.5-4 years old. Two of the three have been constantly contacting me, Now that I live back in B'ham, Al. 2 of the debts are only around $100.00, the oldest being about 300.00. I got a letter at my new address from two of the smaller debts. Called to explain that I wanted Debt Validation, and that I would like to negotiate a Pay to Delete to remove from my credit or mark as "PAID or SETTLED" w/o updating the new date 2010 so that the debt wouldn't remain active on my report for another 7 years. The Debt is mine, although It's from my parents when I was living in Atlanta at the time. I was told to never give bank information over the phone to these guys. They claim that because they sent me a letter for a payment request, that they don't have to send me debt validation. Nor, can they remove anything from my credit without updating the status with the current date. Is all this true?? He even admitted to not owning the debt, but has been placed in charge of collecting the debt, and that If i tried to Pay the Original Creditor, and cut him out, he would not update my credit..blah blah. Told me because I've called to check on the debt, and said I would take care of it, that I've claimed the debt and must pay it. I have no idea what I'm doing, but when I brought my pretend attorney into it - It really got heated. Please Help! I want to get these paid, and get these ticks off my back!

Can you consolidate credit card debt with a private student loan? I'm a full time student in nursing school and I don't work due to to school. My parent who supports me went through some financial trouble so I basically lived on my credit card card. As a result, I currently have about $1,900 in credit card debt. I am struggling to make my minimum payment, which has increased significantly and my interest rate has almost doubled! I was just wondering if there was any way I could combine that amount with my private school loan? My credit card is though Capital One and my private school loan is through First Tennessee Bank. Thanks in advance for any help!

Help with a girl i like?!? Ok so here's the basic background I like this girl I work with she's 19 days older then me but in the year above in college. We get on really well and people who don't know us think were going out anyway however we arnt people at work are often jokingly teasing us saying were doing things and that we need to be locked in a cupboard until we get together. However I do really like her but I havnt told her as if I tell her and she doesn't feel the same I dont want to ruin how close we are ATM but I would like that little bit more. Also she's older then me and most girls tend to go for older lads. I would take her out to the cinema or out for a meal but I'm £900 in debt to my mum as I just bought a car and can't afford to take her out. Also we do meet up regularly at each others houses and go to town but she never really gives hints that she likes me back so I don't know weather she does or not ....... What can I doooo???????!

Need help with small claims.......................................? I have an small claims assets hearing for a loan from almost 5 years ago... It is for about $300...My debt was assumed before i met or married my husband. Can my husband be garnished for my debt? I have heard conflicting answers to this and I am curious. sorry I live in Oklahoma

I Need Help with CIVICS TODAY (I will give you the points for the best Answer)? 1. Which of the following is NOT a factor that influences justices when they decide a Case? A. legal views B. Social condition C. the law D. direct political pressue 2. Which of the following provides an inexpensive and convenient way for citizens to get directyl directly involved in an election? A. e-mailing candidates B. party web sites C. grassroots Web sites D. newsgroups 3. Human rights include all of the following rights EXCEPT: A. safety B. food C. wealth D. shelter 4. What of the following is NOT a power or duty of a state governor? A. adopt laws B. appoint officials C. issue executive orders D. prepare a budget 5. Which of the following countries ia an example of a present-day totalitarian regime? A. Mexico B. Soviet Union C. Great Britain D. North Korea 6. _____ can be used to cut the government's debts. A. Surpluses B. Bonds C. Taxes D. Deficits 7. Which of the following terms does NOT describe the United States economy. A. free enterprise B. government-run C. market economy D. capitalism 8. What was the written plan for government drawn up by the Plymuth colnists? A. Articles of Confederation B. magna carta C. declaration of independence D. mayflower compact 9. The defendant is formally presented with charges and asked to enter a plea at the: A. booking B. arraignment C. indictment D. sentencing 10. Workers who cut a company's costs by being more efficient are an example of which factor affecting supply? A. productivity B. technology C. changes in the cost of resource D. changes in taxes and subsidies 11. In the 1980s, what type of economies became increasngly unattractive? A. market economies B. mixed economies C. command economies D. traditional economies 12. The U.S. House of Representatives and the terms for debate are controlled by the powerful: A. rules committee B. conference committee C. speaker of the House D. committee chairperson 13. Which of the following is NOT part of the governmen's role in regulating market activities? A. regulating natural monopolies B. regulating advertising and product lables C. regulating mergers D. regulating prouct safety 14. which of the follwing is NOT an example of an item that would have elastic demand? A. an expensive item B. an item taht has attractive substitutes C. an item that can be purchased later D. an itemthat has few substitutes 15. The U.S. Chamber of Commercere represents which type of interest group A. special cause interest group B. ethnic interst group C. economic interest group D. public interest group 16. What typ of lawsit cn be filed when a person is accidentally injured or killed? A. negligence suit B. equity suit C. breachof contract suit D. property dispute 17. Which of the following is NOT a case that usually would be heard in a federal court? A. a dispute over patent right B. a dipute over child support C. a suit involving the U.S. Defense Deparatment D. a case involving a violation of the freedom of speech 18. When manufactures buy raw materials like steeel, plastic, and glass, they are acting in their role as. A. producers B. consumers C. charitable organization D. employes 19. what signals that a price is too high? A. shorage B. surplus high demand C. high demand D. market supply 20. Which of the following is one way for the FEd to stimulate the economy? A. contract the money supply B. sell treasury bills C. raise the discount rate D. buy U.S. government bonds 21. Someone who move permenetly to a new country is referred toas a(n) A. immigrant B. naturalized citizen C. citizen D. alien 22. Which United Nations agency tries to promote a higher standard of living around the world? A. security council B. general assembley C. Economics and Social Council D. Trusteeship Council 23. Who counts the electoral vote and declares the winner as the next president? A. The electoral college B. stae representatives C. stae governors D. congress 24. When tow parties cannot agre on the term of a new contact, they might bring in a thired party who tries to help the3m reach an agreement. This prosess is know as. A. collective bargaining B. arbitration C. negotations D. mediation 25. Which of the following is NOT an automatic stabilizer for the economy/ A. tax cuts B. progressive federal income taxes C. welfare programs D. unemployment insurance programs

Have you ever been through Debt Management with Take Charge America? How much do they charge? All they'll tell me is that its different in every state. I live in Maine. And I'm wondering if its even worth it, if my interest rates are reduced on all my credit cards, how is that helping me if I have to turn around and pay them a monthly fee? And also, does anyone know how it affects your credit? They won't tell me that either. thanks to all,

Which of these issues can a mediator help work out? Recently broke up with girlfriend/Mother of my child. Need to work out the following issues: 1) Child support. I make $80,000/year. She isn't working but will finish school and be making $60,000/year in a few months. Can someone help me with what child support will be in both cases? We live in Missouri, custody will be 50/50, and I pay $150/month for our child's health insurance. 2) Between ex girlfriend and myself, we owe about $25,000 in debt in ex girlfriend's name. I've asked for itemized credit card statements twice so we can determine how much of the debt is actually mine with no responses. Originally she expected me to pay off all of the debt. Now she says she will "help" but without knowing how much each of us owes, I'm sure I'll be paying much more than I should. Can/will a mediator help with this sort of thing? 3) Mediation participants. She wants her parents to be present during the mediation. While I don't mind if they're present during the negotiations regarding item #3 (some of the debt is owed to them), I don't think it's appropriate for a 30 year old woman to have them present during the mediation (they will whisper in her ear and run the show for her). Is this normal/allowed? I would greatly appreciate an answer to any one of these questions. I plan on talking to my lawyer before I walk into this but I won't be able to meet with her for a week. Thanks to anyone who can help. Correction to #3: "I don't mind if they're present during the negotiations regarding item #2" I edited my post a few dozen times. :) In response to insomniac: I don't want a bigger part of the pie. I want to pay my debt and not hers. Is that unfair in some way? I also don't resent her parents. I love them like they're my own parents. I just assumed matters pertaining to a child should be worked out between the child's parents and I wondered if having grandparents participate was normal.

Can Somebody Help Me Deal With My Bedroom? Just after school, i got terrible OCD when it came to my bedroom. It is just my room, nothing else. i can't take meds coz i'm allergic & i can't afford therapy cos i'm up to my neck in debts right now (nothing i can't work through though). But i'm forever stressed out about my room (that is what ocd is all about, stressing about the stupidest of things so much that it starts affecting your daily life- its an illness, so please don't give me any h8ful comments, cos i wouldn't be hear spilling out my heart unless i was desperate). I need your words of wisdom more than ever. im going to tell you what im stuggling with in terms of my room, and i need YOu to tell me what i need/want to hear. i tend to listen to what others say (as long as its encouraging & uplifting). 1. the colors in my room are all wrong 2. everything is too neat & bare (i cleaned it cos it was too cluttered) 3. everything is too cluttered (i bought stuff cos it was too bare) 4. my room doesn't feel like me (i bought stuff to match my room only, not cos i necessary liked it- eg. i have this pig thing, and i h8 pigs) 5. i crave for simplicity, but at the same time, i want a room of everything i love, all around me. 6. i h8 myself when somebody gives me something for bday/christmas, and i end up throwing it away cos it doesn't MATCH my room. 7. i wish i could just take everything i luv & just sprawl it everywhere & be happy & accept it, but i can't. my stupid head is always thinking, my eyes are always scanning, my head saying things like, that item would look better there, those sheets don't match with that comforter, those books shouldn't be there because its NOT a bookshelf, and books SHOULD go on a bookshelf, not on a dresser. 8. everything has to be in appropriate places. eg clothes in the wardrobe, shoes in the wardrobe, books in a bookcase, dvds in dvd units etc. 9. what drives me crazy is knowing i really want to buy something, but can't buy it cos it won't look good anywhere. 10. i know i am SICK. i am not spoilt! i sound it, but im not. i never had this problem, i just want it to all go away & be normal. i want to be able to get out of the house & go for long walks & hang with friends, without having to worry about my stupid bloody room. its always on my mind. i just want it too end. Ps why do you think im debt right now? its cos of all my shopping!! then everything gets given away when i can't stand the clutter. I give everything away to those who are in need. PPS i need ways of dealing with this, if somebody writes steps down for me, i can do them, i know i can. i can't think for myself sometimes.

To avoid deficit and financial problems in the future, why not bring back the Bush team along with Wall Street? and let them handle it? We could bring back Greenspan and the crew, let the banks and hedge funds sell credit default swaps against Treasury Bonds. securitize our debt into trauches and sell it with AAA ratings, with the help of Moody's of course. Goldman and Morgan Stanley could package our national debt into CDO's and sell them to Martian Retirement Funds. Does Chris Dodd not understand this? I say deregulate the financials institutions now and let them get on with fixing our problems.

I have been unemployed for over a year,used up all my savings; is there any mortgage payment help; live in OK? I have been unemployed for over a year,used up all my savings; is there any mortgage payment help; live in OK? I have been thru a lot of different things on top of not of being unemployed; my brother killed himself; my best friend died; my wife cheated on me ran up all my debt and got divorced all in the same year i was unemployed; is there any government assistance to help with my mortgage payment for a month or 2; its right at 400; i live in a 1 bedroom condo; any help would be appreciated; thanks in advance I live in oklahoma; i have gotten some assistance but I dont know if they have programs for mortgage assistance; i have not tried or even found anything; thanks

I am now divorced. My ex husband and now are on a car loan together which got repossessed? He isn't concerned with the debt. How do I go about having him to help me pay the balance legally? I am the main person on the car loan and he's the cosigner. It's now with a collection agency.

Please help with biology multiple choice. 10 pts!? 1.) The principle inorganic compound found in living things is carbon. oxygen. water. glucose. carbon dioxide. 2.) Kangaroo rats are better able to concentrate urine than humans are. It would be expected that compared to the nephrons of humans kidneys, the nephrons of kangaroo-rat kidneys would have thicker walls, which are impermeable to water shorter loops of Henle longer loops of Henle shorter collecting ducts longer proximal convoluted tubules 3.) The similarities between the arm of a human, the fin of a whale, the foreleg of a dog, and the wing of a bird provide support for the concept of survival of the fittest acquired characteristics reproductive isolation common ancestry convergence 4.) Which of the following pairs of terms is NOT correctly matched? rods: light intensity cones: color semicircular canal: gravity eardrum: sound waves hair cells of cochlea: vibrations 5.) The best laboratory equipment to magnify the inner structure of a single bacterium is a(n) compound light microscope ultracentrifuge electron microscope microdissection instrument dissecting microscope 6.) According to the heterotroph hypothesis, which event had to occur before oxygen filled the atmosphere? Heterotrophs had to remove carbon dioxide from the air. Autotrophs, which make their own food, had to evolve. Heterotrophs had to evolve. Autotrophs had to convert atmospheric nitrogen to nitrate Heterotrophs had to carry out their metabolic activity in the presence of oxygen. 7.) Which structure in an earthworm has a function similar to that of the alveoli of a human? malphigian tubules nephridia flame cells gills skin 8.) Molecule which bonds directly to a phosphate in RNA. adenine guanine uracil deoxyribose ribose 9.) A base normally found in RNA but not in DNA. adenine guanine uracil deoxyribose ribose 10.) Sugar molecule found in deoxyribonucleic acid. adenine guanine uracil deoxyribose ribose All of the following organelles are associated with protein synthesis EXCEPT: ribosomes Golgi bodies the nucleus the rough endoplasmic reticulum the smooth endoplasmic reticulum 17.) A major difference between bacterial cells and animal cells is that bacterial cells have: a plasma membrane made of phospholipids ribosomes, which are involved in protein synthesis a cell wall made up of peptidoglycan a nuclear membrane, which contains chromosomes a large vacuole, which contains fluids 18.) Vesicles found within a cell that serve to break down cellular debris: smooth ER lysosome Cell wall microtubule nucleolus 19.) A semi-rigid structure that lends support to a cell smooth ER lysosome Cell wall microtubule nucleolus 20.) Rigid structure not found in animal cells smooth ER lysosome cell wall microtubule nucleolus 21.) Site at which rRNA are formed. smooth ER lysosome Cell wall microtubule nucleolus 22.) When electrons are passed along the electron transport chain during noncylic photophosphorylation, in photosystem I, this results in the production of ) NADPH ATP cytochromes water glucose 23.) Which of the following processes requires sunlight, ADP, and water? Photosystem I Photosystem II glycolysis Calvin cycle Electron transport system 24.) During lactic acid fermentation, which of the following events is least likely to occur? An oxygen debt builds NADH is reduced Lactate accumulates in the muscle tissue Production of ATP NAD+ is recycled and returns to the Krebs cycle 25.) All of the following stages are considered aerobic processes EXCEPT: the Krebs cycle formation of acetyl CoA glycolysis electron transport chain oxidative phosphorylation

Need advice/help with debt relief.? Here's my story: Lost my job and went into debt. All my credit cards/bills went into collection. I am now living in Alaska in a steadier financial position. What agency can/should I go through to try and erase this debt and purge myself of this giant credit albatross hanging over my head? The part of Alaska I'm in isn't exactly large as is , is it possible to contact an out of state company to help resolve my problem? how do I begin? Im interested in paying off this delinquent debt..but dont have the info on the collection agencies to do this in an organized manner. Is it possible to go through a company in the lower 48 states to help me get organized to pay this debt off?

Where can I get help, with my 2nd mortgage, now with a debt collector? After loosing my job, I didn't make my mortgage payments almost a year, Now My lender (BOA) had transfer my 2nd mortgage(HELOC) to a debt collector, and offer me a loan modification for my 1st mortgage. I can afford to pay my 1st mortgage with my current income, but not for 2nd mortgage with the debt collector. What should I do?Make payments for 1st mortgage? Or not making both payments and go for a foreclosure? Anyway to save my home without making 2nd mortgage?. Can my lender help me anyway with my 2nd mortgage? Are there any Other way to get help with my 2mortgage. I live in California, and this a 80-20 loan.I don't have money for 2nd mortgage payment @ all and I'm worried, that the debt collector will, sue me or try to garnish my wages. I'm barley surviving after paying my minimum monthly payments

Does debt consolidation work and help improve your credit score? I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?

i need help with my marriage? My hubby and i being married for 2 years but we've been together for 6. When we first met he was very funny, kind and loving, but the last 2 to 3 years he's changed a lot, he said he always wanted to be a single guy with no responsibilities but begged me to marry him. He can't wait to leave me and our kids. He just wants to be alone and free. This is my second marriage and his as well. He had a girl from his previous marriage same as me, but together we have a girl who is 8 months old. We both work really hard but never have money to do anything together. He has a lot of debts and every month we just paying his debts off. I have to work part time because we cant afford the childcare. We argue all the time and i'm really sick of it now. I really want to leave him but i cant because i'm scared of being on my own with 2 kids and all my friends and family will be laughing at me if i leave him. I like him but i don't think i am in love with him. Everytime we have an argument he always said that he didnt want my baby and he wont do anything for her. Before we had this baby i had 3 miscarriages and 1 abortion. I had the abortion 3 years ago because he said he didn't want the baby so he asked me to get rid of it which i did and after that he said he wants a baby and we started trying but i've lost 3 and the 4th one is my baby now. One minute he's mister perfect and the next he's just doesn't want anything to do with me or my girls. Please tell me what to do, i'm just fed up and i don't know what to do anymore. Many thanks Thank you very much for your kind advise. I really don't want to get divorced again so I will try the counselling with him and hopefully he will change or shall I say he will be less selfish! Thanks again guys, I really appreciate it.

How can I help my family? For about a year now, my step-dad and my mother have been struggling with making ends meet. It started when we found out my step-dad had gotten into a $15,000 debt with his credit card company... Because of this, he couldn't pay much of his bills anymore. My mom kindly stepped in and helped out with the check she got from her old job worth 10K. She was at the time out of a job so we had to live of her check for a few months. After that was gone, she had to dip into her savings account and eventually that dried out. My step-dad is working two jobs now and my mom makes more money in her one job now than he does in his two jobs combined. He's fixed his debt a little bit but we're still struggling. Basically, we're living from paycheck to paycheck. And it's kind of scary. I already told my mom that I wanted to get a job and put a portion of my paycheck towards helping our financial troubles. I turned 16 2 months ago, but my mom won't let me get a job. So this means that I can't help them out. Does anyone have any ideas on how I could possibly help out the financial struggle they have? This is only the basic info about the problem we have. But I just want to help. Can someone help??

What are the politicians doing with our money? Seriously the reason why our country states, cities and counties are having debt problems is because of these dirty money hungry greedy politicians. They for one don't know what they are doing and also they are probably taking our money in pocketing most of it for themselves. Like the taxes we pay. Why is it they make so much money to serve the people when it also seems like we are serving them? If anyone really believes the majority of politicians has the best interests of the people they are really stupid. I mean I think politicians should not make any money and work for free. This way they can actually help people do whats in the best interest of the people and not be out for political or financial gain. When i hear a report that says the county has no more money now they got to close down a couple of schools i think there is those greedy politicians again. Does anyone agree with me is there more to this? I might not have hit it right on the button but greedy politicians have certainly been a problem until alot of people stand up to them its never gonna change nowadays i don't see that happening. Whats your take on this?

I have 55K in charged off, 7 year old credit card debt. I have been told CCCS/MMI is the best route. Help!? Although this debt is 7 years old and some reports reflect the removal of the accounts, I would like to satisfy the debts. What is the best route? The original creditors will not speak with me as they have been sold many times over and one is currently in collection. I have heard that CCCS is the best route to manage the debt. I work for the government and CCCS is pretty much the only recognized debt management company. What should I do? Thanks

I have bad credit and I want to take out a loan with a cosigner with no credit.? I'm a former student of a local community college, I was recently academically dismissed and I tried readmitting into the school but I can't due to not having enough funds to support my tuition. My credit is really bad, and I'm working with a debt solution company to fix my credit in the mean time- I contacted Sallie Mae for a loan but because of my credit I need a cosigner. My boyfriend offered to cosign the problem is that he doesn't have any credit, I know it sounds like a dumb idea to have a boyfriend cosign especially if anything happens to the relationship. But will I still be able to get approved? On another note my mom is a single mother and I feel bad for letting her down- she is the only person who can help me with school. My father isn't a constant in my life and frankly I think he doesn't give a crap about what happens to me or my twin sister. I just want to show her that I am serious about school, and I want a bright feature for myself.

Should I pay down my credit card debt or just keep paying the minimum on all 9 cards.? My debt to income ratio is terrible. I'm a second year teacher, just bought a house in june, and owe a lot of student loans. Should I pay the cards with the high interest rates down, even though I can't afford to pay them half down? Or should I just pay the smaller ones off first? I only have a little income tax money to play with. (Help) I need advice.

Help with debt collector? Ive been made redundant last month and all ready the bills are coming through the letterbox. I'm trying to pay my bill off a little bit of a time in small amounts. The bill's amount to around £1000 from four different collectors. I would like to pay them off but Ive lost around £400 per week. I'm claiming JSA and have a wife and 3 children to support but the debt collectors don't seem to care. Like i said i would like to make a offer of payment on the bills but i would like this to be as little as possible until i find employment again. So after all that my question is how much should my first off be? Thanks for the help. Thanks for all the help you three and very fast as well. I will try to contact the companies myself first but if this does not work then i will go and see CAB, yet again thank you - Scott

Where can I get help, with my 2nd mortgage, now with a debt collector? After loosing my job, I didn't make my mortgage payments almost a year, Now My lender (BOA) had transfer my 2nd mortgage(HELOC) to a debt collector, and offer me a loan modification for my 1st mortgage. I can afford to pay my 1st mortgage with my current income, but not for 2nd mortgage with the debt collector. What should I do?Make payments for 1st mortgage? Or not making both payments and go for a foreclosure? Anyway to save my home without making 2nd mortgage?. Can my lender help me anyway with my 2nd mortgage? Are there any Other way to get help with my 2mortgage. I live in California, and this a 80-20 loan.I don't have money for 2nd mortgage payment @ all and I'm worried, that the debt collector will, sue me or try to garnish my wages. I'm barley surviving after paying my minimum monthly payments.

What can we do to help reduce the US National Debt? Forget the politicians. This is a major debt growing by the second. Anyone with concern for the health of the country had better watch the gross national debt number carefully. Are we willing to make some personal sacrifices for future generations?

Are there any legitimate companies that can help you with debt consolidation? My husband and I have about $23,000 in debt and are considering going to one of the many debt counseling companies that we see advertised. Can they really help by working with the credit card companies ? Also do they all charge a fee and how do they work? Refinancing our home is currently not a option.

Where do I find a professional to provide financial assistance to better manage my debt? What type of professional offers assistance with examining and evaluating an individual's personal financial debt. I am looking for someone to review my personal balance sheet and provide suggestions on how to make improvements. I have no investments and am way over-extended. I am concerned about using a CFP, because I am not looking for portfolio or investment advise. I am also concerned about meeting with a banker, because I have horrible credit and certainly don't want to borrow more money. Additionally, I need more help that just reading a book can offer. I know I need to make changes, I would like to get a professional's advise on making these changes wisely. I would appreciate any suggestions on getting some strong financial advice. This is not unsecured debt i.e. credit cards. This is real estate, cars, boats, etc. We make a healthy income. Its not the daily purchases of coffee and eating out that is draining us. We have too many high ticket items and need help determining which to refinance and which to sell. I am looking for the appropriate type of financial advisor to help us.

What kind of mortgage can you roll debt into? What type of Mortgage are you allowed to roll in previous debt and even take cash out if you choose... Friend said he had some FHA loan and couldnt do.. I am not familiar with this industry or process so please any help would be appreciated.

What is incentive to pay off old collection debt? I lost my job some years ago and incurred a good deal of credit card debt which ended up going to outside collection agencies. Within the last year I have either paid off or settled all my accounts with the exception of two. However, doing this has not helped my credit score one bit. My question is: what is the incentive for paying off these accounts if it won't help my score? It's tempting to just let them sit until 7 years are up and then they'll drop off.

How to get out of debt with grants or any other solution like that? I'm 20 years old and I owe this college some money and they want release my transcript and I also have credit debt and student loans. All this is so overwhelming I need help to get out of debt and get my life back. And I can't to afford to pay monthly because I work at sonic and I already have a car note. Someone PLEASE HELP ME?!?!

Help with child suppoort debt? Is there any sort of help for the debtors of child support. with the economy as it is and jobs being so un-plentiful, the way they choose to try to enforce child support payments just has me afraid to go outside, If anyone knows of some program to help, please let me know.

Do credit card debt relief companies really help or make things worst? Does dealing with them destroy your credit for a long time or temporarily ? Are there any good companies out there ?

Credit Card Debt Relief and Solutions, What's the real deal with this? I know there are a lot of scams out there, but does anyone know a legit site that will help get credit cards paid off. Preferably without requiring the cards be canceled.

Is there anyway to get out of debt with payday loans, legally, without filing bankruptcy? 1) I know that it was the biggest mistake, but was desparate because I couldn't get a regular loan through a bank, now what?

What do you do if your $500,000 in debt with no job and cant get one. And you just had your first child? I also have bi polar disorder have no medical and not on medication. Military wont accept me i already tried.

help with credit card debt? i have 20 k in creidit card bills.I have been laid off for two years and cant decide what to do.I am barely making my credit card payments.Should i file for bankruptcy or just stop paying and let them go to collections.Also the debt is from hospital bills and a piece of junk car.any advice would be appreicated.PS this world sucks

I'm starting a service to help people create a budget and get out of debt. What would be a good name? I'm looking for a funky, catchy name that will describe what I do. I will be listing steps to create a budget along with tips on creating money from that same budget (downsizing, consolidating, etc.)

A debt collection agency mistakenly placed a legal judgment on my credit report - help!? A debt collection agency mistakenly placed a legal judgment on my credit report. I have a son with the same name that used to live at the same address and the judgment properly belongs on his credit, not mine. What can I do to fix this? What law(s) have they broken? What is my best recourse or course of action at this point? Please do not tell me to contact an attorney, because I intend to, but right now I am just trying to educate myself on the matter. Thanks!

debt????????????? i am in like over $30,000 debt. is there anyway i could make money with out really budgeting? keep in mind that i own a store, so i have to buy items for it everyweek. oh yeah. and theres a baby in my family too. and ive previously owned another store.

Please Help, Senate Democats Propose to 1.9T increase to U.S. Debt Limit? What the title above, basically means that the united states has 1.9 trillion dollars of debt and the senates want to let them/borrow money. i am for it and iwant them to let the unted states borrow money. Although, this is an essay so i need basic reasons with details of just give me what you know. Please no unreasonable answers and i will be giving points and picking the best answer. Thank You

Is there any reason I should not do a debt management plan? I am looking into signing up for a dmp with Care One Credit. They have an A+ rating with the better business bureaux. I have almost $10,000 in unsecured debt. They said I can pay it off in four years with a dmp. What I am wondering is-am I too naive to see what the catch is? Or is this a legitimate way to manage my debt? How likely is it that my creditors will go for it?

can I still get a home loan with a credit score 0f 621 and a debt ratio of 54.2%?

How to claim debt which is linked to a property from executors who have not issued their probate? If there is a debt on a property owned by a person who is now deceased, how can the debt be collected if the executers do not issue their probate? The executers have been asked to pay the debt however because they are not issuing their probate I cannot claim the money owed to me from them. It has been quite some time since they were asked to pay the debt. Any advice on how I can get my debt.

How was debt and debt remission used by incoming kings to consolidate their power? How was debt and debt remission used by incoming kings to consolidate their power? Why was this practice so important? What kinds of things do politicians promise today analogous to the practices of old? What is the 21st century "debt remission?"

How do you settle debt with credit card companies? I've got some debt that's currently in collections. And I got to talking to one of the debt collectors and he revealed that the average company is willing to settle for about 75% of the debt owed. But since they're basically screwing you with outragous interest that never allows you to really pay off the principal debt, are they willing to settle for even less. What are some useful tricks when dealing with these parasites?

How much debt is allowed to enlist in the air force? I was wondering what the debt limit is on enlisting in the air force. I know that they can deny someone for too much debt. So what is the max debt allowed?

How old does a debt have to be, before you are no longer legally bound to pay it? I remember hearing once that a debt after a certain amount of years, is moot. Does it depend on the state where the debt occurred or you current state of residence? I heard that collection agencies that specialize in buying old debts, to try and collect on, HATE for people to know about these laws. Where does one look up information about this? And what exactly does one do to bring it to the attention of the collection people, that you are no longer obligated by law to pay on such an old debt?

What happens when someone pays his debt in a fractional-reserve banking system? What happens when someone pays his debt in a fractional-reserve banking system? Is only his past debt subtracted from the reserve or also all subsequent debts that was loaned to other people with his initial debt? For instance, a person A borrows 100$ then it becomes part of the reserve, then a person B can borrows from his deposit 80$, then a person C 64$, given a reserve requirement of 10% for banks.

What is the best debt counseling company? What is the best debt counseling company? I'm trying to help my friend get out of massive credit card debt. I need a good, reliable debt counseling company.

does disputing a debt on your credit report re-start the statue of limitations? I disputed some items through Experian and Equifax. Does simply disputing the debt re-start the 7 year count down? Thanks.

How can I pay off unsecured debt if I move abroad? I am planning a move to the Dominican Republic from the US. I have unsecured debt (school loans and credit cards) which I want to repay, but the average income in the Dominican Republic is much lower and I know I would not be able to make minimum payments. Can the debt be converted or possibly bought out by a bank there or something like that?

How can I get debt consolidation with hospital bills and non credit card debt? I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can't find anyone who does debt consolidation without credit card debt. Any suggestions?

Can a debt continue to accrue interest after it has been sent to a collection agency? I have a debt with a bank that went into default and is now with a collection agency. I've been told that the debt is continuing to accrue interest. Is this possible?

What is the most debt you have eliminated in a year? I need some motivation people! I want to commit to reducing my credit card debt this year; but, it seems a bit overwhelming. Please share stories of how you reduced your debt. Maybe that can psych me up to keep sacrificing and paying off these debts. Thanks!

What happens when a debt goes to a lawyer for debt collection? I have been out of work for a while and became unable to pay on a credit card debt. It has been about 90 days since my last payment and I just got a letter from a law firm stating they will be pursuing collecting the debt. I am still out of work and have no means to pay. What can I expect from this process?

How is debt sold by our government to other countries? How does the debt system work, what happens when the other countries buy our debt, can they sell our debt to other countries, can they force us to pay our debts at any given time, please explain how the national debt system works? Thanks, I need lots of details and really want to understand so thanks again for your help!

Can debt relief services affect your credit if you use them to lower your interest rate? I am planning to sign up for Care One debt relief services to help me consolidate my CC debt. Do you think this will actually work? will this affect my credit rating? Does anyone have an opinion about this company and their services. I was reading their blog and for the most part it sounds like it really works but I'm trying to search for more answers. Thank you in advance for any suggestions or feedback.

If I respond to a debt collection agency does this start the Statue of Limitations all over again? I live in Texas and I am being hounded by a debt collection agency. I do own this debt, but I have not responded to their endless phone calls and text messages. I was told the minute I have any contact with the debt collector this will "Restart the Statute Of Limitations" and this just gives them more time to harass me or file suit. I 'm not sure but I think the Statute of Limitations for Credit Debt in the state of Texas is 3 years.

What is the difference between an overdraft and debt? My husband has run almost £2000 overdraft and he says its not debt just an overdraft, nothing to worry about. I am worried sick and I still see it as debt! He had just finished paying a massive debt last year which took him over 10 years to pay off. Now he's started a small one without telling me. I made him promise to tell me if he had any problems with money which he failed to do so. I helped pay off a few of his urgent debts in the past. I can't afford £2000 debt right now as things are different now we have young children and I'm unemployed.

How have countries converted public debt in the past? Charles P Kindelberger mentions in Manias, Panics and Crashes that large-scale conversions of public debt occurred in 1822, 1824, and 1888. He also says interest rate declines were associated with the public debt conversion. Which countries have converted public debt and what did the creditors get in return? Is it correct to assume the debtor's currency is devalued and the government nationalizes private property to do so?

How do you know which debt settlement or debt consolidation program to choose, when theirs 1000's out there? How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

External Debt: What is the composition of America's external debt and to whom is it owed? I know the US external debt is around 12 trillion, but what is the composition of the said debt? Treasury securities? What? And second, does anyone have figures for who owns this outstanding debt? I have heard for example that China owns anything from 400 Billion to over 1 trillion. Does anyone have definite figures of these?

Can debt collectors come after your assets if your spouse incurred the debt before you were married? My fiance has a debt collector coming after her pretty aggressively and in not the most ethical way (in CA). She has a car (still paying on it) and no other assets. I own a house with more equity than here debt. Can her debt collector come after my assets once we are married?

How can i settle my debt with multiple creditors harassing me every week? I owe about 2 grand of debt to different debt collectors. I work and attend college like most young adults my age, but does not make a lot of money every 2 weeks. I really want to get rid of my debt but does not know the best way how. What should I do?

What is the total budgeted federal debt of the United States government? I need to know what the total budgeted federal debt it. I have found the actual federal debt, but not the budgeted federal debt. Need help ASAP! Thanks!

Is Debt Consolidation the Best Way to Go and If So How Should I Go About It? Like I am in about $20,000 in debt and I was thinking about consolidating all of it into one monthly payment. If I do decide to do it, I really would like to know how everything will show up on my credit report after everything is said and done.

How does the debt collection process work on an unsecured loan? I am 105K in debt(mortgage, student loan, car and the unsecured loan) and lost my former job due to lack of work. I got a new job but I am out 15K/yr. Through much juggling, I am paying off everyone except the unsecured loan on which I am paying 30/month(they want 260/mth) and they are unhappy I am paying them so little and threatening to sue me. I am trying to sell the house to pay off the mortgage and the personal loan and this is still at the original lender level. I am hoping I will get to work with a collections agency first since I can offer them the 30 I am now paying the creditor and when I sell the house I can pay the bill in full and have the credit bureau remove the blotch from my credit by showing evidence of payment. Do they go to collections or sue first?If they do sue,will they garnish my wages or freeze my checking account(no savings) or both? How does the debt collection process work on an unsecured loan? Tried debt consolidation but my house is not worth enough to do it and having other debt attached to it would reduce my chances of selling the house and paying off the mortgage and the personal loan. I am really looking for info on how the debt collection process works,not how to get out of debt. I have that part figured out unless I get sued. Thanks Thanks Taja but I am asking what the collection process is. I owe 105K out of which only 9K are unsecured debt. I am paying everybody except for the unsecured debt (to preserve my assets) and paying this unsecured creditor 30 a month hoping to sell my house to pay of the mortgage and the unsecured loan which will get rid of 64K off my debt and put approx 4 K in my pocket to move to an area with a better pay labor market. I am trying to find out (by learning how the collection process works) if I am going to have time to get this done before I have to worry about their coming after my wages and/or checking bank account. In other words, if I can work with a collection agency to which I can offer payments and pay the 30 I am now paying until I can sell the house. I already tried debt consolidation and I can't get a loan for 105 K with a house that is worth 79K as the only collateral. The rest I owe is my car and student loans which must be paid or they will be worse than this creditor. BBOYBALL: My mortgage is in perfectly good standing since I pay that before I even buy food. It is the only assett I have and I want to move to an area where I can work without having to commute an hour to do so. That is why I am selling the house: to move and to pay off the mortgage and the personal loan I took out to buy a new furnace and remove asbestos. I am willing to sell for 76K.

Can Asset Acceptance LLC resubmit a debt to the credit agencies after statute of limitations? Asset Acceptance is holding two small utility debts of mine. The statute of limitations has run out but they resubmitted the debt to the credit agencies as if they are new. Can they continue to resubmit a debt after the statute of limitations has run out? How do I fix this?

How can a debt collector use different cell phone numbers to call you? I have a debt collector that keeps calling me and using different local cell phone numbers. Even though I keep telling them that the debt is paid off and I have my cancelled check that I keep faxing to them over and over and over again, they won't stop calling me. How is it that they can use other people's cell phone numbers? And is there a chance they use mine to call people?

How do I find out which debt collection agency is holding my old debt? I had a rough time a few years ago, and stopped paying my credit cards and cell phone to be able to keep paying the rent and then i lost my job, it was all sent to debt collectors. I'm ready to get this taken care of so I can rebuild my credit somehow, but I don't know which companies hold the debts. How do I find out? I haven't heard from any of them in almost a year.

How many times can the same debt be placed on your credit report? I have had the same "debt" put on my credit report by the original lender, a collection agency over 2 years ago and now a brand new collection agency. I questioned the original debt on my report and they removed it, and now, it has obviously been sold to another collection agency who has put it back on my file. The original debt wasn't even mine, it was my husbands so I don't even know how it is getting on my file. If it helps, I live in Ontario, Canada.

Is credit card debt considered an open account or a written contract? I live in the State of Georgia and am being sued over an old credit card that I defaulted on. It has been more than 4 years but less than 6 years since the date of default, so depending on whether credit card debt is considered an open account or a written contract in the State of Georgia, the Statute of Limitations may or may not apply. The Staute of Limitations is 4 years for open accounts and 6 years for written contracts. Does anyone know for certain which type applies for credit card debt in Georgia? The account is with Citibank MasterCard and was opened in the late 80's or early 90's. Thanks.

How do the Issues of debt and globalization relate to a core area and a periphery? Distinguish between a core area and the periphery. How do the Issues of debt and globalization relate to these geographical concepts?

What is a good percentage of debt to total assets in personal finance? I think that I would feel comfortable to have 30% of my assets in debt, but I never had debt before, so I am not sure about that. For instance, if my total assets are $100,000, then I would feel confident in getting $30,000 in debt.

How long after a debt has been created can a creditor report to the credit bureau? I had some medical bills from 4/10/01 that I didnt not pay in full. I was harassed for awhile by collections and then left alone. This debt was never reported on my credit record and has never showed up. Today on 2/14/2007 (6 years later) I receive a letter from a collections agency telling me to pay up or be reported to the credit agency. I am afraid to call because I heard making contact with them could cause the statutes of limitation to start up again. My question is, If I ignore them, can they really report this to the credit bureaus since the debt was from 6 years ago? Is this just a scare tactic at this point- keep in mind I havent heard from them in 5 years until now all of the sudden. I live in Texas btw

How do you determine total debt for for debt ratio? Im having trouble determining the total for the debt ratio of total debt divided by total assets. I need Wal-Marts total debt, but not sure what categories on the balance sheet are included. Do I add total current liabilities, long term debt, long term obligations under capital leases, deferred income taxes and other, minority interest? I just need to know what to add up to get the total debt for Wal-Mart 2008. Thank you!

Is there a company that I can hire to help me settle my debt? I have a few bills in collections and I was just curious if there was a company that I could hire to help me find who I owe money to and I pay through the company. I would try to settle these myself but its hard to do when you work overseas and dont have readily access to a telephone.

How come the American Government can come up with Million$ to help another country but not their own ? why don't they forgive people who are hardworking of their debts in times of foreclosures or give their own people a break ?

Can debt consolidating work with secure debt?

What the hell is the deal with Manchester United's debt? Okay, so I'm not stupid. I get that the Glazers are idiots and they did something stupid and now we're in debt..like way way debt. And that can't be good..cause we can't buy players and whatnot. So, basically, my question is....how? I'm absolute shite at economics and have no idea what the bonds or anything else means. Please help me out... LUHG!

Are Debt Consolidation Agency's a good idea to help lower debt? Between my husband and i we have about 12 credit cards. I know, i know we shouldn't have gotten ourselves in this mess to begin with.

Can debt consolidation help me to pay my child support debt?

What is the Debt-Equity Ratio and the Equity Multiplier???? Please help? Crystal Lake, Inc., has a total debt ratio of 0.73. Its debt-equity ratio is therefore___________ and its Equity multiplier is _____________________ The first person to give me a right answer will receive 5 STARS, please help

anyone with history on getting out of credit card debt before buying a house? im about 25k in credit card debt from school and a bunch of family and personal things and there are about a thousand commercials or websites claiming to get you out of debt but i have a pretty good idea they will all ruin my credit and any chance i have at buying a house in the future. if anyone has a suggestion or a tip for what they have done in the past that will hurt my credit score the least i will be grateful. thanks

How is the Government going to help Haiiti when were in debt and they havent barley done anything about...? katriana

Please help me with this sum on Simple Interest? A man borrows a sum of money and agrees to settle his debt by paying Rs 240 at the end of first year and Rs 210 at the end of 2nd year. If the rate of interest is 5%, find the sum borrowed. Answer given in Rs 420, not Rs 400.

OK, after getting hit with an unexpected debt and feeling bad, then, w/in minutes finding $100 on the sidewalk? ... is this a sign? I got hit with a big bill unexpectedly and was feeling kind of bummed. I drove from the bank, where I transferred the money, pulled into an empty strip mall and there was a $100 bill on the ground. No one around who seemed to own it. Just totally random. I'd never found more than $60 on the ground before. Is this a sign, and what should I do with the money?

What does debt relief companies do for you? How do they proper? Is what they do legal and does it really stop collection calls? What if a person is already in a payment program where they have access to your checking account and you turn your debts over to a debt relief company? What is the procedures. Is using a debt relief really worth it to get out of debt?

Is it true that if one of my parents dies with debt? That debt is transferred to their children? Am I required to pay (literally) for my parents mistakes?

Need help with debt, and some advise? Lost my job a year ago, I have a mortgage, car payment, and 4 credit cards with a total of about 8000 all together. Cards have been cut up, along time now. I have cut everything out that I can live wo, and still am not getting anywhere, in fact my unemployment runs out soon. My wife has it all on her, and I feel bad. I work construction and like most guys with out a college edu, thats how we make money. There is nothing out there. I cut some peoples yards under the table but its nothing like it was. We lived way out of our means, but knew we could pay it back quick, but as quick as I knew we could pay it off, I lost my job. So my ? is, I have these credit cards and a personal loan, totaling up to 14,000. Really dont care about my credit, but dont wont Bankruptcy. I need food on the table, and heat in the house, what are some options? What have other people done to get thru this? Does debt consolidation work?

I'm 21 with 29k in debt, any ideas of ways to sort it all out? I have everything from consolidation loans, car loans, small loans, credit cards, and student loans. I don't want to do bankruptcy because my husband and i are separated and he manages his bills so he doesn't want to do it. is there a way for me to file on my own without him even though both of our names are on most things? He manages his bills- but mine are months behind and stress is killing me. Please help!

I need help with debt consolidation! Please give me some advice!? My boyfriend currently has some collections against him. He overdrew his checking/credit account after maxing it out, and owes about $2000, it has gone to collections. Also, he has a lot of unpaid parking tickets from Washington DC from last year, we believe they have gone to collections also (if anyone knows who we need to contact to track them down, he was stupid and threw them out >,<;) We aren't sure where to go to get this all consolidated and taken care of, he's trying to get his financial life back on track, and it's so hard knowing that this stuff is out there against him. I've seen commercials for debt consolidation, and I didnt know any advice that anyone could give us. Thank you so much! it would be easier if it was lumped up and we could see exactly how much he owes, if it was taken out of the collection agencies who will pile up the interest and we dont know exactly how much he owes in parking tickets and stuff he's in college, but only part time right now, and he works all of the time, but we have to pay rent and utilities in northern virginia which isnt cheap, he's a waiter at a small restaurant right now, so he's not bringing in the best income, but he's looking for a better job constantly

Help im in debt with my electric bill and they've sent bailiffs and charge every visit!? Hi I lost my job (ive always worked) and had to go on job seekers and housing benefit to keep my flat Its my first flat and I kinda let the bills mount up for a year stupidly and now ive got to pay 1400 for my electricity bill and 600 for my water bill 500 pounds on my credit card 500 on my overdraft and 30 pounds on my phone contract They have sent a letter saying there was a visit from eon collection agency and that it cost me 30 pounds (I wasn't in) its a letter of intent to apply for a warrant of entry which costs 230 pounds and more if they have to change the locks on my flat and they will keep visiting and charging 30 pounds per visit Ive contacted them before and I cant afford to pay the current usage on my electricity bill let alone the arrears as well if I was to pay back weekly I cant get a job I still try everyday and I simply cant afford to pay what they want! I live in the UK btw Whats my best course of action? Please help! Thanks everyone sorry I cant choose a best aswer as they are all helpful!

I have just graduated with a bachelor of science degree. $20,000 in debt. should i get another loan? I want to go to Grad school because I am in the mood and the job market sucks. Grad school will put me at about $50,000 in debt. is that too much?

What will happen if the United States can't pay the trillions in debt we owe to China? It seems like things are slightly different than the 50's. We've gotten into economic holes before, but how are we going to pull ourselves out of this one (with trillions in debt), and what's going to happen if we can't?

Can my current spouse be sued for my old credit card debt? I had a horrible custody divorce with my first marriage and accumulated credit card debt cuz I was a stay-at-home mom all those years so didn't work, had no skills and lost child support to help pay for us. now I am remarried but can't work cuz I can't afford daycare does this mean collectors can harrass my new hubby for payments of a card I owed on before I met him? and how long do the statutes apply in massachusetts? it has been about 6 years at least.

Would it be better to get into a debt management plan or settle when it goes to collections? I have a credit card debt of about $9,600.00 with a major credit card provider. They are charging me 24.99% interest. The minimum payment is around $300.00 and $200.00 of this is interest. What would be the best thing to do? Should I use a debt management program to pay it off or stop paying it all together and let it go to a collection agency where I could then settle with them and ask that when I settle that they remove the negative information from my credit report?

Could someone please help me with this? I'm a trucker and I'm trying to contact this person but I don't know how. I got as far as my name. I haven't held a steady job in about a year cuz I don't have a car. I'm desperate and in debt and would like to take advantage of this opportunity. I'm blessed with the ability to drive a big rig but not so with computers. This is her e-mail address wstarkey@ups.com and it asks a lot of e-mail gibberish. I rate high.

Can you buy a new home even thought you have bad credit and debt? My family home might be forclosed and we dont know what to do and we need to buy a new home soon plz help me . We bought a house over 300,000(we loaned money) and we still need to pay of the 300,00 back to the bank.I want to know if there is any way we can buy a house even thought with the odds against us please help us.

How does old cellphone debt work when resigning up with company? For instance, if I owe $250 to a company like ATT, when signing up for a new contract, will 250 be the amount I owe as a deposit, or will it be the 250 for the debt, and then more for a deposit.

Does anyone know if Debt Elimination programs really work without bankruptcy? I filled out an online application for information about getting rid of debt, and I've heard that you can legally eliminate your debt?? I've know that Settlement is a good option, but not sure about Elimination. Anyone know?

How long can a debtor chase a debt is there a statute of limitations? A bill that was disputed and the company agreed to right off is now after four years of hearing nothing being chased and we are being threatened with it being passed to a debt company. We recently updated our account which we have had since the dispute and I think this old debt has suddenly appeared through that. Can they chase a debt which they have not chased in four years

What happens to the debt in an acquisition? When company A pays a 15% premium to acquire the stock of company B, what happens to the debt of commpany B? Does company A absorbed the debt, pay it off? Is company B responsible for paying it off?

What is sole benefit of property and debt in a divorce? I live in Minnesota going through a dissolution of marraige. My understanding is marital property and debt is divided 50/50. Each party keeps all property and debt prior to the marraige. I believe like a car is considered sole property when that person is the only one who uses it. I believe the debt still will need to be paid to me even though it is consolidated in other loans.

You hear about credit card debt all the time. What do you do when the debt is medical bills? Most of my debt consists of medical bill leftovers (the amount after insurance) that has gone to collection. I have not seen anything that deals with those types of bad credit. They say medical is not supposed to affect your credit but it does.

How much debt would it take for you personally make the decision to file bankruptcy? I know bankruptcy should be a last resort but some people have different personal limits. I would like to know your personal answer. What's the least amount of debt it would take for you to make the decision to file bankruptcy? And what is your annual income if you don't mind?

How much debt can be on a single credit report in order to buy a home? The bank told me under $5,000, is this correct, or did I hear him wrong? And if you are buying a home does your spouse have to be on the loan? I know the deed needs both names. Any advise on home loans and debt would be great.

What is a good company that i can get involved with to help me with my credit card debt? In simple terms i need help with my increasing debt

Im having problems with credit card debt? I have a little more than 12,000 in credit card debt. My credit score probably isn't the best. I was just wondering what options I have in order to lower this. Anyone have any suggestions? Any help would be much appericated.

Please help our family: My live in girlfriends sister need to live with us 6mos to pay debt & save money? I don't agree. My girlfriend and I have been together 2yrs we recently moved into our new home this past July and for the last year my girlfriend has been unemployed and I pay all bills and support our home solely. Her sister is a 10 year health care professional with job security and her husband is a MLM salesman with fluctuating income but is currently employed. Her sister wants a divorce because she contributes his lack of steady income to them giving up home in short sale or risking to foreclosure. Her sister, 17yr old daughter and dog want to live with us for 6months, to pay of debt, save money and get her own place. She offered to pay the utilities because charging her rent would defeat her efforts in trying to save. My concerns are: although I support my girlfriend and our home completely it is stressful that she is not working and I carry all liability for our home. I do NOT her sisters dog in the home especially since her dog is aging and NOT house broken and we have one of our own. I love my girlfriend and respect her family am I wrong for not wanting to subject my relationship to any potentially uncomfortable situation that may happen if I allow her sister to stay? I think 6mos is too long and her sister is not compromising about the dog. The money she saves in 6months she can save in a year if she sacrifice and get her own place for her own independence. Our life together is still new - we have lived in this home only 2mos and our privacy is important to me. My girlfriend understand her sisters need and my feelings so she has be quiet on the situation. Please help us out with good advice and solution.

Please help our family: My girlfriends sister need to live with us for 6mos to pay off her debt & save money? I don't agree. My girlfriend and I have been together 2yrs we recently moved into our new home this past July and for the last year my girlfriend has been unemployed and I pay all bills and support our home solely. Her sister is a 10 year health care professional with job security and her husband is a MLM salesman with fluctuating income but is currently employed. Her sister wants a divorce because she contributes his lack of steady income to them giving up home in short sale or risking to foreclosure. Her sister, 17yr old daughter and dog want to live with us for 6months, to pay of debt, save money and get her own place. She offered to pay the utilities because charging her rent would defeat her efforts in trying to save. My concerns are: although I support my girlfriend and our home completely it is stressful that she is not working and I carry all liability for our home. I do NOT her sisters dog in the home especially since her dog is aging and NOT house broken and we have one of our own. I love my girlfriend and respect her family am I wrong for not wanting to subject my relationship to any potentially uncomfortable situation that may happen if I allow her sister to stay? I think 6mos is too long and her sister is not compromising about the dog. The money she saves in 6months she can save in a year if she sacrifice and get her own place for her own independence. Our life together is still new - we have lived in this home only 2mos and our privacy is important to me. My girlfriend understand her sisters need and my feelings so she has be quiet on the situation. Please help our family with advice or options.

Can you help me answer these questions, please be realistic with the setting given? The setting is London, 1832 #1-You are a doctor who was traumatized when you saw your entire family dead, sent to the marshalsea for having this debt, 20 years later you escaped and you sort of kill this guy, a boy who used to serve your family years ago says you've got no money, what would you do with the body to get something to eat? #2 as a surgeon with a setton needle, what do you think is the best way to systematically kill and have your vengeance against the entire of London?

Paying off Credit Card Debt with out having to pay the whole balance? We are coming into some money and I had read a article about how you can pay off credit card debt with out having to pay the whole thing but I cant find the article with all the 'credit card wordage' any one have any suggestion?

Should I pay off my credit card debt with a loan? I have about $10,000 in credit debt on 3 credit cards. I don't know much about loans so can you walk me through the process? Would I be better off just paying the loan? How does this work? Any advice is appreciated. Thank you

Are you happy that both parties are enslaving us for generations to come with this massive debt?

my bank recently closed my account, debt was paid off, can I open a new checking account with another bank? my bank closed my checking account due to many months of being over drawn. The debts were always paid but they still closed the account. Now my question is can I open a new checking account with another bank?

Does debt consolidation really help? I'm in debt by 3000 dollars. I cant get a credit card or anything due to this, I really wanna fix my credit and if I do debt consolidation it will be 162 a month. I'm unemployed but getting unemployment for now. If I did this will my credit get better anytime soon before I have it all payed off?

just reading about debt.. been in contact with a company called Debtsireland.com. has any body used thiss? this company helps you compene all loans Eg. credit cards, personal loans etc. freezes the intrest and you pay one amount to the management company.. is it a worth a look at or just landing myself deeper

How does a debt layer bail you out of debt? I have a school loan of over $31,000 and really need help coming up with this debt that i have. What can a lawyer do to help me out and is there a fee that I would have to pay the lawyer?

Have anyone done debt consolidation with United Law Group ? What is your opinion on them ?

Is a widow responsible for the deceased spouse's business debt even if it was made on a joint credit card? I have a relative who opened credit cards and her spouse used them to run business (sole proprietorship) expenses through. He then died with quite a bit of debt on the cards. Is she still liable for these debts or can the the credit companies write them off due to the death?

a debt collection agency have asked me to pay back a debt that they bought from my bank? the debt is apparently 12 years old and i know nothing about it. my bank only hold records for 10 years so they cant help and although i still am with the bank they have never approached me baout this. the company say they will accept half of the money and write the rest off. do i have to pay this money?

What should I do i'm a teen being taken to court for an unknown credit card debt? I'm 15 years old.I have a credit card debt that I don't know anything about.I received a letter in the mail to come to my city court.I'm not paying this debt it's not mine.I talked to my mom about it she didn't have much to say because she doesn't deal with credit cards or know anything about them.She's afraid they're going to try garnish money from her paycheck for a bill that's not mine.This is True!I am not joking.

If We Would Just Start Drilling Our Oil Up How Long To Pay Our Debt? We can get oil up from close too the shore in about 1 year time- with the advancements .... We could pay our debt off alot sooner if we would just get more natural energy going- Thats the blood of America and Obama is running our blood dry! Obama has no excuse now! He just gave Brazil Oil Com. 2 Billion for them too explore with OUR TAX Dollars! Now its our turn!

How much Credit Card debt do you have? Would you be able to handle a financial emergency? Bankruptcy, debt, and credit woes are a major problem in this country. If you suddenly had a financial emergency (housing, car, medical, etc.) could you handle it? Or would you be forced into bankruptcy? Do you think this is a problem of not enough income? Or too much expenditure?

what information is need for a Tax debt relief company to work on past tax debt with the IRS? What personal information would I need to give to a company in order for them to contact the IRS about my tax debt?

What is a bad debt write off for credit cards? I am 3 months behind a credit card payment and they sent me a letter stating they were going to write it off as a bad debt. What does this mean? Do I have the payment still. I am confused as to what this entails.

How much debt would a person have to owe for a collection agency to go to court and sue you? I have a depatment store credit card debt for about $2500 and simply can't pay it. What I want to know is, how much of a debt would a person have to be in to make it worthwhile for the collection agency to take them to court.

Has anyone had first hand experience with Debt consolidators online or by phone? I'm currently in the red and need to go through a Debt consolidator/agency. If you have dealt with any debt agency, can you advise me the best way to go about it?

Can having an agreement with a debt management company affect getting a remortgage? My fixed for five years mortgage ends next year and I will be remortgaging but I now have an agreement in place with a debt management agency and would like to know if this will affect my chances of getting another mortgage. I am also in negative equity but have never missed a mortgage payment.

Is it better to go to a community college to save money or enter a university coming out with an enormous debt? The option to go to a fantastic university is available to me, but I frankly can't afford it neither can my parents. I'm considering taking out student loans but afraid that I might collect a large debt that I won' be able to pay off in the future. Would it just be better if I go to a CC instead? Will it look bad on my resume/transcript if do? Which do you think is the better option in the long term?

Can I pay one credit card debt with another one from the same bank? I want to do this, cause the second one has lower interest rate and I am not able to make the full payment on time. I also want to know if this is legal and what could be the fees. I am afraid to call my credit card company and ask.Thank you for your answers.

i have high debt with credit card $20,000 besides comsuer credit what is the company to go to for help? i am not behind on my bills just need to get them paid being having hards time due to cut in my pay at work

I met someone who is setting up a new business website and wants me to help with the marketing and promotion .? He said he would give me shares in the busines. Should I ask for these before I do anywork and would they make me liable if the business got in trouble/debt? Or should I ask to be paid by the hour for my time?

what would be the best way or to get help about being in debt with bills.? what company would anyone suggest.

What do you think will happen to our children with our National Debt? What could happen? Will they have to pay 60-70% percent taxes? Who can predict the future for our children? I disagree with President Bush, and President Obama. So put this party crap aside and be on the side of We the People

I am so far in Debt At 21 I need The best way out Please help I am almost to the end of my rope ? I have close to 10 Grand in debt some credit cards & I also borrowed money from money corner I need Help What is my best way out, I have no bank accounts I am a part timer I have collection agencies after me on the phone & everything I am getting by with my basic living costs What is by the best course of action some have recommended bankruptcy I need some solid advice thanks in advance

I have to pay my way through college with loans, about 6K a year, can i afford med school witout parent help? Im going in to my freshman year of college as a bio major. I have scholarships and estimate that at the end of college i will have approximately 25k in loan debt. If i am able to get into medical school, is it realistic that i will be able to 1. pay for it without parental help and 2. repay that debt that i will owe and lead a successful lifestyle

Can a bank take money from your checking account for an old debt? It doesn't sound right to me only because I did not authorize them to do so, but that is exactly what B of A did. They took money from my account for an old debt I had with them, without any notification. I was under the impression that no one can take money from your account without your permission? NO one at the bank wants to help me with this.

is it true if you use debt consolidation svc, they want your power of attorney to act on your behalf? I've delayed getting help for credit-card debt because I was told by one company they want my power of attorney which needs to be notarized before I can do business with them. I think that's scary!

What are some tips on getting rid of debt? I have a huge amount of money owed and I am becoming so overwhelmed with bills. How do you handle your debt? Thanks

credit card debt will this help? I owe about 3200 out of 3500 on 4 cards. I have about 2300 dollars that I plan on paying this week... how will this change my credit... Iknow it is good but how many points can it jump?

Where can I find Grants to pay off debt? I heard on an infomercial, that there is grants that help pay off debt. Is there really such a thing and if so where can I find them & apply for this grant?

debt consolidation loans help? can you give me tips and tell me the dangers of taking a consolidation loan.

If your bank crashes, does your debt with them get wiped?

How long after a debt settlment program does your credit go up? On average how long does it take? Once through the program if you compare 2 people, one with debt and high score. The other with "bruised" credit and no debt and almost high score which one is better?

How deep in debt is the United states in? We just discussed in class that each household would have to pay $549,000 to get out of debt. I know the number is very high but does anyone know the actual amount in debt we are?

Does these debt consolidator companies really help your credit, or is it that after you are done with the? program because you settled with these companies it looks bad on your credit????

Can a debt collector leave a voice mail with continental information? For the past several weeks, I've been dealing with a collector. I was under the impression they can not leave information on a voicemail. Is this correct? Thank you for the bankrate link; however, that does not answer my question about voice mail.

I left the UK with a debt of 600GBP, can I get arrested at the airport if I return for a holiday? I left the UK two and half years ago with an outstanding debt of around 600GBP to bank/credit cards etc. I must return later this year for a wedding and am a little worried about getting arrested at the airport. Can the banks be made aware of my return from the airlines/immigration? I have no worries about fixing up the outstanding debt, though I won't bother coming back if it means spending any time in gaol!

Does anyone know where to get an unsecured personal loan with good credit score but high debt? Hey- I am not interested in scam folks please. This is a genuine question Thank you

If I have a debt that I cannot pay is it a better deal to make a settlement with the credit card company or? the collection department once it gets written off as bad debt?

Need help determing the capital structure of the Grocery Industry. What percent Debt & What percent equity?

Have any other Presidents managed to add 10% to the National Debt with less than a month in Office? Or will Obama be the first?

where do I find help in writing a hardship letter to a debt collector?

will they seel the car and pay off some of the debt ? so will i end up with the rest of the debt to pay? i phoned the bank and they told me that the debt had been handed over to the debt collection agency and will they repossess the car ? i just need to get rid of the car , i cant pay the repayments .

Is burdening our children, who can't vote, with trillions in debt a form of taxation without representation?

I REALLY need help with these problems, please!!!? 1. How much is needed in an account that earns an annual rate of 8.5% compounded monthly in order to withdraw $1300 at the end of each month for 22 yrs? 2. A debt of $8400 is to amortized with 8 equal semiannual paymetns of $1299.66. If the annual interest rate is 10% compounded semiannually, find the unpaid balance immediately after the 5th payment. Please show how you came to your answer. Thanks!!

How can I help out my dad financially without him knowing? I want to help. I know he's in debt. But he hates the idea of me even working this summer because he thinks as a student, I shouldn't have to worry about working and just focus on schoolwork. But I know I can deal with a job. Right now, I can't work yet though. So how can I help him?

How can I get a debtor to remove a settled debt off credit report? I filed my taxes today and included a 1099c form for a credit card debt of $10,107. Now that this debt is paid, how can I get the credit card company to remove this from my credit report so my credit score can go up. All of my bills are paid on time and I only have one debt left that is a positive on my report. My goal is to be debt free and buy a house this year.

How much does having bad debt effect getting a federal law enforcement commission? I have some bad debt that I am trying to get cleared up. I'm now on a payment plan w/a debt management company, but wanted to know if they will take that into consideration when it's time to get my commission.

Do these cases of government debt and budget deficit indicate potential problems for the economy? Does the size of the government's debt and the size of the budget deficit indicate potential problems for the economy in any of these cases? 1. The government's debt is relatively low, but the government is running a large budget deficit as it builds a high-speed rail system to connect the major cities of the nation. 2. The government's debt is relatively high due to a recently ended deficit-financed war, but the government is now running only a small budget deficit. 3. The government's debt is relatively low, but the government is running a budget deficit to finance the interest payments on the debt.

once a debt has been sent to collection, can you negotiate with the original creditor? i no collection agencies buy debt for pennies on the dollar, so once this happens can you still negotiate with the original crditor if the collection agency refuses to negotiate? lets say a collection agency buys debt of 5000 for 1000 but they still want the 5g's can you go to the original crditor and offer them 2g's if the agency wont accept it?

If Your credit card expires with some debt remaining..do they put bankrupt on your credit history? If the credit card expires with some remaining debt...even if you have been making regular payments. Do they put delinquent on your credit score?

does anyone know how to get a grant to help with debt? im a single mom and cant afford to buy a house and fix it ppl say they have grants out there but no body wants to share how to get one is it a secret or impossible to get

Is the Government selling future generations of Americans into slavery with this massive debt?

My husband has 3 Years left on his bankruptcy and I have bad credit card debt. We want to buy a house. help? We are now paying for our mistakes in the past, we want to buy a house but don't know where to start or even if we can. I have around $7,000 credit card debt and he filed bankruptcy in 2005. We would rather own then rent.

Does debt consolidation help your credit? is debt consolidation a scam or is it legitimate?

To Men that have been Divorced: In court, does it help to show you have more debt to decrease support/alimony? I am wondering if I should start paying rent somewhere and increase my bills before going to court. Does a Judge take in account your living expenses? or should I just stay somewhere rent free and save $$$ and it does not make any difference??? Thanks in advance.

Is anyone good with accounting I need help please? The following balances were extracted from the books of Gao Yan at 31 december Capital account – Gao Yan 640,000 Building 504,000 Provision for depreciation- building 37,600 Machinery 70,000 Provision for depreciation – machinery 22,400 Credit purchases 1,146,000 Credit sales 1,348,720 Stock at 1 Jan 75,600 Debtors 92,400 Creditors 74,600 Vehicles 90,400 Provision for depreciation – vehicles 18,400 Carriage inwards 760 General office expenses 22,320 Rent and rates 24,000 Provision for bad debts 2,000 Bad debts 5,040 Interest received 1,200 Wages and salaries 51,600 Insurance 13,200 Drawings – Gao Yan 84,000 Bank 58,400 Loan from Zheng Kai 140,000 Intrest on loan 10,000 Discount Allowed 1,600 Motor expenses 3600 Bank fixed deposit 32,000 Required a) Prepare a trail balance as at 31 december 2008 before taking into account the additional information given bellow Additional information 1. Stock at 31 December 2008 107,200 $ 2. salaries outstanding at 31 December 2008 5,200 $ 3. The provision for bad debts is to be maintained at 1,400$ 4, rent paid in advance for the following year 6,000 5. the vehicles are to be depreciated using the straight line method at rate of 25% 6. depreciation is to be provided on the cost of machinery at 20% 7. depreciation on building is to be provided at rate 2% B) prepare a trading profit and loss account for the year ended 31st December

Will bank stocks drop when Chrylser's agreement with banks to adjust debt is finalized?

Does anyone know where I can get a 5k-10k loan with poor credit to pay off debt and have money to move across? Please Advise

Any one good with accounting ? I am stuck at this Question help plzzz? The following balances were extracted from the books of Gao Yan at 31 december Capital account – Gao Yan 640,000 Building 504,000 Provision for depreciation- building 37,600 Machinery 70,000 Provision for depreciation – machinery 22,400 Credit purchases 1,146,000 Credit sales 1,348,720 Stock at 1 Jan 75,600 Debtors 92,400 Creditors 74,600 Vehicles 90,400 Provision for depreciation – vehicles 18,400 Carriage inwards 760 General office expenses 22,320 Rent and rates 24,000 Provision for bad debts 2,000 Bad debts 5,040 Interest received 1,200 Wages and salaries 51,600 Insurance 13,200 Drawings – Gao Yan 84,000 Bank 58,400 Loan from Zheng Kai 140,000 Intrest on loan 10,000 Discount Allowed 1,600 Motor expenses 3600 Bank fixed deposit 32,000 Required a) Prepare a trail balance as at 31 december 2008 before taking into account the additional information given bellow Additional information 1. Stock at 31 December 2008 107,200 $ 2. salaries outstanding at 31 December 2008 5,200 $ 3. The provision for bad debts is to be maintained at 1,400$ 4, rent paid in advance for the following year 6,000 5. the vehicles are to be depreciated using the straight line method at rate of 25% 6. depreciation is to be provided on the cost of machinery at 20% 7. depreciation on building is to be provided at rate 2% B) prepare a trading profit and loss account for the year ended 31st December

I need help with homeschooling my child? ok my 2 daughters are going to be in high school soon and i need textbooks for them i cant really find any that are not expensive and i cant order online because i dont have a credit or debt card.I need some help: One is in the 9th grade one is in the 11th grade i just started homeschooling

Tyrannosaurus Debt. How many people realize the money for the economic stimulus does not exist? There is no real money to fund this. It will have to be borrowed. More debt. How can more debt fix debt?

I'm going to try to get a personal loan to help with roof repair, but I have some credit card debt? would it be wise of me to ask for a bit more money, so I can pay off the credit card, that way all of my payment would go towards the balance of the personal loan? Or is that just a bad idea?

Should I settle a small debt first or a large debt with a high interest rate that increases every month? One credit card is just a fixed balance and the other is a increasing interest card with a higher balance than the first one.

High credit card debt. Is the credit settlement companies the way to go? or is settling with the actual co.? Is the credit settlement companies the way to go? or is settling with the actual company?

can i settle my credit card debt with the original creditor once its been sold? we had a bank of america card that was forgotten about when we moved (honestly that is what happened) it was not paid on for a few months and then i get a letter from frederick j hannah saying they were going to sue if we did not pay it in full by the end of the month. these people have a very shady reputation, i do not want to deal with them. would it be possible to call bank of america and settle the debt with them even though it has been sold??

credit card debt help? Hello everyone. My friend is in serious credit card debt problem. He is in about $20,000 debt with credit cards. We need your help in how this credit card debt can be solved. We have looked at many organizations such as credit guard and etc. What do you recommend for us to do and who do you recommend as the best to help us take care of this problem? All help is greatly appreciated.

What should I do about my credit card debt? I recently had to defer my salary at my job for an extended period and cannot afford to pay my credit card debt. What should I do? A friend advised me to not make the next payments and negotiate with credit card companies on the debt. Is this wise? Would you advise I do something else? Thank you.

Even with Senate Democrats coming out against Obama's plan of "Debt=Prosperity" with he change direction? Even with his own party coming out against Obama's plans to borrow trillions of dollars to give us a false sense of prosperity.....can he change?

are there any organizations to help pay off financial debt?

Is the SOL on credit card debt determined by the state you currently live in or where the debt originated? Is the Statute of Limitations on credit card debt, determined by the state you currently live in or where the debt originated? I have a debt that I stopped paying on in Jan 2002. I acquired the debt while living in Texas and stopped paying it while living in Texas. My husband is military so we have lived in Missouri for the past 4 years. The SOL for TX is 4 years for open accounts (credit cards) and for MO it is 5 years. Either way, the SOL has run out on this debt, however I am still wondering which would apply to us since we are military? We claim TX as our home/residence. Thanks! This debt was sold to a debt collector years ago. I have known others that have written cease and desist letters so I am not so sure that SOL on card debt is a "myth".

What are the pros and cons of using debt relief agencies to get rid of debt? What does it do to your credit? Those debt relief agencies that help you get rid of debt fast tell you to stop paying your bills and instead you pay them. They then use the money you send them to negotiate lower payoffs to your lenders. What are the pros and cons of doing this and how long will it effect my credit score for? Any experience is extrememly welcomed!

Can a debt collection agency attempt to collect money they say is still owed to the original owner? My husband and I purchased a vehicle in 2004. We couldn't afford the paymets, so we returned the vehicle to the bank. They sold the vehicle for less than what was owed. Now three years later, a collection agency is trying to get us to pay what is owed. Our credit report as of 3/2007 shows the original owner reporting that the debt is written/charged off and we have a $0 balance as of 10/2004. Do we still owe this money?

How to stop telemartketing and debt companies calling my landline? There are a few debt companies and telemarketers call my house landline everyday. We don't know the people that the debt companies are calling. We registered on the "national no call list" and I called them back several times and ask them to remove our numbers. But they still keep calling. I am so frustrated. Is there punishment for this spam calls?

How can I solve my debt problems and get a mortgage? I currently live in council accomodation with my husband and 3 children. We both work but cannot get a mortgage as we both have debt problems. I desperately want to change our situation and get on the housing ladder but I need to solve my debt problems. Any tips would be great. I currently have a repayment plan but it is going so slowly at this rate I'll be paying it off in 15 years time!

What can I do about debt collection letters wrongly sent to me? I keep letters from collection agencys trying to get me to pay debts that are not mine. Is there any way to stop them or maybe charge them for the harassment. Each time it is always the wrong social security number,not mine.I cant believe that it is legal to send people a bill for a debt that is not them.

in debt!! please help with advice? can anyone please help..i have found myself in financial trouble..i was on replayment plans with creditors,and now find myself out of work as my company has closed and i am unable to make any payments to my loan etc. I have received several letters saying i will be taken to court etc,and after contacting them all asking for help from them,i got no joy at all. I don't know what to do!! I have made a budget plan,but having no money at the moment,i obviously have no money to give to them!! serious answers only please!! it's unsecured debt that i stupidly ran up to pay off other debt..i have paid off the majority,but it's the bank loan that's worrying me the most... thanks for all the answers so far guys..i am worried though as i have just been made unemployed,that i have no form of income in order to make any payments as i am still awaiting news on my incapacity benefit claim...

What is considered a lot with regards to credit card debt? Hey, I'm a student living away from home and I am stressing a little over my credit card debt. I currently owe 1,500.00 on my credit card. Is this a lot? should I be stressing out about it as much as I am?

Why does a company have many different types of debt with a range of interest rates? Thanks!

Need help with possible fake debt collector!? Alright, well this isn't happening to me, but a family member. The family member was on vacation and I was looking over their house while they were gone. This number started calling and leaving messages saying that you have an outstanding debt and they tell you to call a certain number back and enter your case number which they also tell you in the call. Now this is not a real person talking, its a recorded voice. They call themselves, "Accounts Receivable Management" When you call them back they tell you if you type in the number you are responsible for this debt, and if you don't have your case number you can type in your social security number instead. Were almost positive it has to be a scam, because the family member has no current or past debt. Plus aren't you supposed to get letters and stuff also in the mail? Since last tuesday, the 5th of March they have called 10 times. If you have any idea what we can do, please let me know. Is there a way we can contact someone to get them to stop calling?

Are collection agencies trying to call you even though you don't have a debt with them? I just paid off about 10 G's to all the agencies I owed money to about a month ago.Now im getting automated messages with a first name iv never heard off, but they have same last name as myself. I checked my credit report, and everything is accounted for. Do you think Collection Agencies are trying there luck to see if you can pay someone elses debt off? Or are they seeing if you are maybe related to that person?

where the hell can i get a decent job? ive got a baby due in 8 weeks and im already crippled with debt? im starting to freak out any advice?

Help You Out of Debt Services - Real or Fake? My financial life has been very unstable for the past 6 months thus a lot of my credit card bills have been piling on and collecting a lot of late fees, over-limit fees and etc. Then on top of everything I just recently lost my job. I've heard those "Call now, and get out of debt and save thousands of dollars!" on the radio very often, are those legit? Because I've heard a lot of bad stories about them - is there a way to do it all myself and what are my options? Please help!

Is Rep. Barney Frank justiifed in working with the debt collection industry? Some say that Frank has given in to this industry: http://www.citypages.com/2008-06-04/feature/lawyer-makes-dirty-debt-collectors-pay/1 Is this representation of Frank's work fair, or is it misleading.? I'm not trying to sway anyone...I really want to know.

How many of you are in trouble with debt?

I need information on a book called Debt Cures They Don’t Want You to Know by Kevin Trudeau? Can anybody tell me if this self-help book can help me to get rid of these debts - personal credit card debt, business credit card debt and medical debt? Thank You!

DOES CREDITSOLUTIONS REALLY HELP YOU OUT OF YOUR DEBT OR ARE THEY JUST LOOKING TO MAKE THERE MONEY OFF YOU?

What is the best way to get rid of the national debt? The U.S. government is in debt over $65 trillion dollars! I don't feel like the people in DC really care as much about it as they should; they feel okay about leaving it to the next generation. If the government could get out of debt think of how much extra money they would have for other things such as education, health care, any many other things that would benefit the people. It may be a pain to get out of debt right now but the sooner we can get out of debt the more money we'll have in the future.

When you start a debt management plan should you stop paying your credit card bills for 3 months? I am told that I should immediately stop paying my credit card bills to get the attention of the lenders, so they will be more open to negotiations. And I should refer all contact to the debt settlement company. Is this normal? I'm not behind on any bills right now, but it's looking likely that I will be in a short time.

can debt collectors sue in the state of texas or garnish your wages. what are the laws in texas? in texas, can debt collectors sue? can they garnish wages. a collection agency out of california mentioned to me that they can issue a summons if i don't agree to pay.

If you need help with debt, are you afraid to get help? I work at a debt relief company, and I was just wondering if someone really needs help, do they get it, just try to fix it, or wait until its too late?

how can i pay a debt to a psycho ex without making direct contact with them? i dont want to start the game of him thinking im responding to his nonsense letters. I just want to pay him for a few hundred dollars i feel i still owe him. I want no contact with him ever again.

Is it true that when you die your credit card debt dies with you?

Cures to help solve our nations debt? What does obama need to do to get us out of this horrible debt?

is money debt and credit a good company to deal with for debt management? i know i have said before i was going on one my instincts told me the last firm that called me was wrong i maybe will go with this one if they have a good reputation as i am a bit wary of these things

Is it true that illegals get free healthcare while some U.S. Citizens are so far in debt with medical bills? that they are losing their homes?

I recently graduated and have about 30K in debt, what is the best strategy for paying off the debt? Given the current economic situation, with high levels of unemployment and rising inflation, am I better off paying the debt off? Investing the money?

What happens to my credit card debt if the company fails? I have a credit card open with Citi and I owe them money. What will happen to my account and debt if Citi fails and closes their doors?

What is the best way to increase my debt? I was wondering what the best way to increase my debt would be. I want to set the record for the single person with the most debt. I want this debt to be in the trillion-dollar range. Any suggestions? I don't want to get arrested until I achieve this record.

How wise would it be for a life insurance beneficiary to pay off her husband's debt? Suppose her husband has generated a good worth of cash value in the form of his life insurance proceeds, but has also left a considerable burden of debt behind! Now, its truly tough for her to decide about what to do with the policy proceeds.

How do debt collectors find out i have bank accounts? How do debt collectors find out i have bank accounts after obtaining a court order to be able to freeze my checkings savings accounts in any banks i am with?

What is my credit like if i have no debt? I had really bad credit with over 8 things in collections. i recentlly paid all my debt. is my credit still bad? I also found out there were some things owed that were fraudulent and i asked them to investigate what happens with that?

Is a debt settlement agency of any help? Should I cancel with them? I heard that debt settlement companies are a scam is this true? I'm using netdebt.com thats the name of the agency, netdebt

How can a person who has bad credit take out a personal loan to help consolidate debt? Is there any way to take out a personal loan to help consolidate debt when a person has a bad credit score?

How do debt management companies help? I'm currently in a situation where I've collected more debt than I can manage and the interest payments are staggering. Besides telling me how I can better spend my money, I'm wondering how a debt management company could help me? I own a house. Would they somehow tie the debt into my mortgage payments? Basically - what can they do for me that the bank can't? Boss - why not spam less serious questions?

Is there a place that provides help for a debt crisis? I just found out my mother is in debt for some bad checks she bounced a few years back. She owes $2600 by the end of the month or she goes to jail for two years. I'll help as much as I can but I can't do it all. Her credit is horrible so I doubt she can get a loan, and mine isn't that great either. Is there a place where she can get help for something like this. It's not like she fradualantly did this. She's really poor and was doing anything she could to get by, and just happened to have some checks bounce. Any help would be greatly appreciated. Thanks

Will closing ym credit cards help me get approved for a debt consolidation loan? I have tried to get approved for a debt consolidation loan so I could have my credit cards and school loan under one monthly payment rather than juggling several payments but I get denied because I have too much credit in my name right now. If I close all the credit cards will this help me get a loan approved? It would make life so much easier if I just had 1 steady monthly payment.

I need help with debt, who will approve a Debt Consolidation Loan? I'm am not very far in debt but need help getting back on my feet. Everytime I apply for a Debt Consolidation Loan I am denied. Who would approve me? Does anyone know.

Would you be willing to help out another family by donating $5 min to helping them reduce credit card debt? I'm in process of starting an organization to help middle class families get out from under their large amount of credit card debt instead of waiting for the government to help or credit card companies to help. Would you be willing to make a donation to selected families in the PayitForward method to help reduce the large amount of credit card debt?

Is it a good idea to pay of credit card debt with student loans? I have some left over student loans and some credit card debt. I wonder if I should just save that extra in case I need it for some unforeseen thing or just pay off the cards?

Does going to a credit counseling service really help when in credit card debt? Are there better routes to go when in credit card debt rather than debt services?

What is the average amount of debt in america. including the people not in debt and the ones in it?Help please What is the average amount of debt in america. including the people not in debt and the ones in it?

Does paying off collecion debt help increase my credit score? I have debt in the amount of $7000 that has been sent to collection agencies about three years ago. Two were credit cards, one a cell phone bill. I desperately need to improve my credit score. Will it help if I start paying this debt to the collection agaencies? I read somewhere that it does not matter whether you pay collection debt off or not since they stay in your credit file for seven years anyways. Is this true? How important is it? Also, what are other things I should do in order to improve my credit score at this point? At the moment I don't get approved for any credit due to my low score. Any suggestions really appreciated!!!

Are you going to help Hillary Clinton pay off her debt as Obama would like? Do you agree with Obama here? Should the middle class or poor person reach into their pockets and make themselves even poorer to help replenish the wealthy person's costs? Did we ask Hillary to run and spend her 10 or 20 million?

I am seeking a loan peronal and or debt consolidation loan, my credit is nor the greatest, but can anyone help I am seeking a loan peronal and or debt consolidation loan, my credit is nor the greatest, but can anyone help guid me to a company or firm with low interested rates please a company that has a legitimate Licence, and offcial loaning business! Thank You

Can someone recommend a debt consolidation agency to help me with my credit? I have a dept of no more than $3K --- should I go to a debt consolidator? If so, please recommend one...

I am in debt and need help is anyone out there willing to give me money to get out of debt? I work very hard, i have a 4 year old son i have lots of debt and just need to get rid of it all. If you are rich or have the money that you won't miss would you be able to give me some to pay off my debt?

I need money to pay back debt urgently. Please help me to find a way to do it? I am in some debt and need to repay it urgently. Can someone suggest a good and decent way to do so. I require the money within a month from now

If you use credit card consolidation companies to help pay off debt, does this effect your credit rating? I understand that no new credit lines can be open until debt is pain off using this service.

Should I pay off my debt or start a business? Please Help? I just got 10,000 from a lawsuit!!...Should I pay off my DEBT, which is 8,000 dollars, which would enable me to have good credit. OR should I use the 10,000 to start a small business which I know would bring in lots of money then use that to pay off my DEBT? PLEASE HELP.I have only one chance to make the right decision!!

Has anyone used CCCS to help them with their debt? I'm seriously considering it as i cannot survive at all right now and need to sort out my finances. These people sound brilliant and i've already submitted my details and they have devised a budget for me which is great. Wondered if anyone has any experience with them?

I pay too much credit card debt, is there any help to pay little.? I dont want to declare bankruptcy, b/c my daughter needs a student loan, so i dont want to ruin it. I want to pay what i owe, i just think everytime the credit bill comes, it gets higher. I just want to pay with NO intrest, or finiancial owe. ANY company or program that can help me with this??? PLZ.

I have gotten into a car wreck and im in debt with a credit card and hospital bills what can i do to help me.? I lost everything, Now i am in debt with my credit card and i am stuck with the rest of the car payments not only that i have hospital bills.I would love for some imput on what steps i could take to help fix my problem.

Do people in debt and unable to get PROPER help have just one solution, to kill themselves? My situation, two overdrafts, four credit cards, 3 maxed out,and the other about 70%. I was clearing them until my wife wanted to put our savings into a deposit for the home. Lovely house, but with her having quit her job to go abroad to live with her folks for a few months, and our second income dried up, I am completely broke. I know topping myself would make it worse for others, but whats the answer - Payplan said the creditors could still go to the courts, so more stress for me so not worth it. I could secure a loan against the house, but my wife would have to know and we would lose what equity we have. You may ask why I don't tell her, well she does'nt appreciate truth so I have to keep this hidden. I am not blaming her for quitting her job and having a holiday, but all the pressure is on me and I cannot cope. Samaritans are well meaning but cannot offer advice, and although I work hard at my job they have not given me a raise for six years yet the job is harder. What to do? The sad thing is that I know my wife cannot handle the truth, about anything. I am not blaming her, that is just the way she is. If she was working, things would be okay. I was paying off my cards just fine using a snowball technique. It was working. But I have supported her business project and we have seen tough times. I don't want bankruptcy or IVA or lose 'equity' in the home. Also while I feel my wife was a tad irresponsible quitting her job for a holiday back home without me having a say in this was bad, these debts are mine alone to sort. I feel bad to be in this situation but I have had illnesses too (cancer this year). So not very able to fight. But I thank you all for the good answers.

how do you start from scratch? i have debt ,no job, ran out of savings, no retirement.Self esteem gone, Help? I am a single parent/grandparent with now the responsility of a toddler was not able to afford daycare and quit job of 2 years as a mortgage specialist. after a downward spiral it has been difficult to pull myself back up, any suggestions.

How do I get a debt consolidation loan if I have bad credit and no one to co-sign for me?!?!?! HELP!?

will paying off old deliquent debt help my credit score? I found out i have a couple of unpaid hospital bills that were sent to collection & date back to 2005. Now i am trying to fix my credit and those are the only bad things i found on my report. I know they are still considered as late, especially since they were sent to collection. I just want to know if i pay them off, will that fix my credit and will it take it off my record or will it hurt my credit forever????

I cant seem to find a reliable website that tells the number of Americans who are in debt? Help!? Is there a reliable site to tell me the number of americans in debt? I cant believ i cant find something. But i need a website as its for a research paper...thanx!

What is the best way to take care of credit card debt? Know of any companies that can help out?

Would you be willing to cede the state of California to China in order to settle our bond debt with them? It wouldn't be like we were losing anything and besides California is commie country anyway!!

If i wanted to help a friend with his or her karma debt can i do that? Lets say that i wanted to carry the burden of a friends karma debt is that possible if doing so what kind of karma do i create for myself for helping someone else out in there debt?

Are the Credit and Debt help Companies worth it and which are the better ones? My husband was laid off at Christmas and after getting behind our interest rates are up. I am paying payments but the debt is not shrinking at all it seems.

Does joining a debt consolidation program hurt or help your credit?

help! i have to go to sm claims court how do i prepare for the pretrial hearing it's for debt i owe? what info do i need how do i prepare? the other side has an attorney. my state does not allow attorneys in sm claims. will i be taken advantage of?

How do I get help with debt? does this site seem like a good site to get help getting rid of debt? http://www.CreditCardHelpDesk.com

I really need financial help... BADLY! How or where can I get a debt consolidation loan? I need to get one loan to get rid of all my credit card bills, and just pay one bill every month... I realy need help. Thanks for any advice.

Do those debt elimination/wealth building programs for home computers really help with budgeting?

Why in the world is the government making frizbee golf parks when we are so in debt with china?

How Can People With Big Debt Just Get Approved For A New Credit Card And Pay Off One Credit ...? How can people with bad credit get approvede for a new credit card, and pay off one credit card with another? 1.) How does this work? 2.) How much line of credit can you get approved for? tkanks!

Should you go into debt to try and help a family member out of a situation they created for themselves? My stepson was recently convicted and sentenced to a lengthy prison term (his second). My wife thinks we should spend money we don't to have to hire an attorney for appeal. My thinking is we've spent a lot of money during the years of his first confinement on visits, commissary, phone calls, not to mention room and board, and other expenses incurred during the time he was out of prison and living in our house. The offense he was guilty and convicted of was totally unnecessary, and senseless, and he was offered what seems to me a plea bargain (that he turned down) that was a gift compared to what he was sentenced to. It really seems senseless to spend money we don't have to maybe get him the sentence he was offered. What does anyone else think?

Why are there so many companies that want to help you get out of debt, but they want to charge you? Wouldn't this just add to your debt? Just a thought!!

I need help in making a plan to pay off my debt but my credit cards are all charged off!? I have 3 credit cards that I haven't paid anything since I got it. I know, really really really bad. I had a Bank of America credit card, a Discover, and a Wachovia credit card. Total of how much I owe is about $4,000 now probably. I really have no clue though, because they are all charged off and is now in the hands of certain collection agencies. I have no idea how to contact these collection agencies and they haven't made an attempt to contact me yet. I just need to know how to go about even starting to get my finances back in order. My credit is now ruined and I just want to fix it all. I was wondering also if I do end up paying off all my debts because it's not that high right now, how do I go about establishing good credit? Any information, links, book recommendations, etc. to help me with my situation would be a trumendous help! I already know I messed up big time. I'm only 20 years old, but I'm already in this much trouble with my credit score. I want to fix it ASAP.

I need a loan to help pay off credit card debt, and i have poor credit. any ideas as to where i could get help i have 4 credit cards, and when i had changed banks two of them would not take a payment from me. now this has cost me alot of money to try and fix and no matter what i do i cant get past all the fees. please i have been fighting this for over a year now and i dont know what else to do. i just need help.

Help!! How do you find the debt ratio for the following question? Wireless Communications has a total asset turnover of 2.66, total liabilities of $1,004,162, and sales revenues of $7,025,000. a. 38.0% b. 14.3% c. 26.7% d. 81.1%

does the government have any programs to help people with high credit card balances to get out of debt?

Should Obama help Hilarity Clinton retire her campaign debt?

Is England going £1.5 trillion in debt with the Rothschilds to bailout Royal Bank of Scotland and Lloyds TSB?

how can i fix my credit fast. i have 5500 in debt is there a web site that can help me get it done in months? i just want to get this cleared up so i dont have to stress on getting things anymore.

what's the best company to help with debt in the uk? for someone in lots of debt through bad circumstances and are really worrying, what's the best company to help. I would love some helpful advice.

Help with Mortgage Loans for people with Bad Credit.? Is there any loan companies out there that are made for people with bad credit? Trying to purchase a home and can't find a company that is willing to work with us. The loan isn't a lot and we have enough of a down payment. Any help would be appreciated. And please no comments about taking care of our debt we have now. We have taken care of it and we do make enough money.

Need help with locating a lender to consolidate my total debt. Can anyone help me? I want to consolidate my total debt and make one paymant. Needs to be with someone who takes poor credit and low income. Please help!

Is there any way I can get rid of my debt or someone that will help consolidate if my credit sucks? I'm $7000 in debt and I need to rid myself of that debt before I can start my new life with my lovely english wife. My credit is horrible but I wanna ris myself of all my debt so i can try and improve it. Is there anyone I can talk to about consolidation loans or if anyone has any ideas about what I can do. I love my Girlfriend and we can't start our life together til i do this. PLEASE HELP!

How can a 14-year old teenager help her parents on Debt Diet? I've seen Oprah show on debt diet. But can you help me with my friend's problem. She has a daughter of 14 year old. How can a 14 years old teenager help her parents on debt diet?

What kind of jobs can I do from home in my spare time to help pay down my debt? I have a current full-time job but my hours are such that I can't really take on a part-time job with set hours. I'm looking to become debt free and wonder what kind of jobs I can do from home in my spare time that will help me achieve that.

What is neo-colonialism? Does this history help as well to explain the accumulation of foreign debt which has? What is neo-colonialism? Does this history help as well to explain the accumulation of foreign debt which has plagued Latin America from the time of its independence until the current day? Does it help explain the popularity of today's leftist leaders in Latin America, such as Chavez in Venezuela & Morales in Bolivia?

Are there scholarships to help with debt after graduation? I am an undergraduate in my junior year of college and will be 30k in debt when I get out of school. Are there any scholarships or grants designed to help people pay debt after they have graduated with a bachelor's degree?

Should I help my boyfriend get out of debt? I have been with my boyfriend for a year and a half. We are in a serious relationship, leading to living together in the future. We're both in our early 50's, divorced, older teen kids. As part of my divorce settlement my marriage home needed to be sold and I received a nice sum from the sale. I'm planning on using a large chunk for a down payment on my next residence. I'm currently renting an apartment and want to buy a condo. I will still have a nice amount left after the down payment. My boyfriend is in debt and wants to pay off all his debts, credit cards, etc., which will total about $25,000. He didn't want to have to ask me if I could help him out, but he did and he wants to work out a repayment plan of putting a certain amount of his pay check into my account monthly. It will take about 5 years for him to repay me. He is willing to sign some sort of an agreement. I seriously doubt that he will not pay me back. What are people's opinions of me lending him this money? to answer some of your questions - neither of us wants to get married again. We had been in long term marriages before. I also don't want to give up my alimony. Living together is a commitment, we just feel that we don't need that piece of paper. A couple of you mentioned that he should see a financial counselor. How do you find one? And how would you know if that financial counselor is a good one with good advice? As far as me putting into an investment, probably for retirement - I do have a nice sum in a couple of retirement accounts. Actually this money is part of the money to be used to "hide" so that I will be able to contribute as little as possible for my daughter's college education. She does not want anything to do with me so I feel I should not be obligated to have to pay for her college.

I need help with my debt to income ratio, the bank wont approve me for car loan? I have 60k in college loans, just got out of grad school, an got a ok job that pays 35k. I need a new car, but the bank won't give me a loan because of my debt to income ratio. Help? I need to know what to do in order for me to get a loan. I know you can't lower your DTI. Oh, yeah, I have excellet credit

People waste over 750k on a baseball why dont they help me pay off some of my debt and help me buy a house? I have children and am a struggling single parent why dont they help me out instead of playing with all that money o n a baseball? Geez! I am in debt and sometimes desperate for financial help why doesnt someone help me with some of that cash!

Where should I go to get help with debt consolidation? I have really bad credit, I am in debt and I already have a home equity loan.. where can I go for help?? I want to avoid bankruptcy. Please help.

Is there anyone who will help me with my debt? I had two auto loans for vehicles that I was forced to give up due to a job layoff. $4k is the remaining of one loan, and $13k is the remaining of the other. I'm only working part time right now, and barely making it by now. I can't afford bankrupy. Is there a debt consolidation place that would work with my kind of debt? I don't know if my debt is secure or unsecure? Any help would be great. I don't know what to do? I've given up on trying to find free goverment money.

I have bad credit and a lot of debt what companies can help me get out of debt? Should I do credit counseling? My husband just lost his job and we have three kids, I am afraid things are going to get worse before they get better. We were just starting to get out of debt. Is the companies that can help us now?

Can somebody please help me with Debt Stacking? Single mom here, I need to know which bills I should pay first in order to help me get out of debt faster. Thanks!

in debt with mortgage and loans and taking me to court is their anyway out help please? been out of work with over a year my mortgage is in debt by 14000 and i am getting letters from lenders that they are taking me to court. dont want to loose my house thats all l have left but going to loose my mind if this keeps up. does anyone know if theres anything l can do. please help lm at the end of my tedder.

I need to find a site/company that can help with my credit card debt. To consolidate it? Does anyone know of any sites or companys that consolidate credit debt and to help me thru it? I didn't take care of my credit to much in the past and now they call me everyday mon-sunday Thanks

Trying to get help with debt by a debt consolidation loan but I can't get approved? Trying to get help with debt by a debt consolidation loan but I can't approved. I'm behind on payments so I just keep sliding deeper into debt with late fees and I'm trying to pay it but can't get the help I need. help!

Is there anywhere I can apply for government aid/assistance to help pay off debt? Or from the state of FL? I live in FL. And I keep hearing that these authors which are publishing "get out of debt"-books include sources where you can apply for government assistance. At times, this is just a gimmick to buy the book. Please help. Due to the market crash here, I have racked up $40,000 in debt. I havent missed a payment yet but I am getting so scared that that moment may come.

I need £2000 to pay off debt, can you help please? Any ideas for good ways to earn that quickly? I do work but the pay isn't helpful, and London is expensive! The debt is really stinging me.

I am trying to clean up my credit . Are there any good debt consolidation companies who can help me? I am in debt of atleast £2500 - 3000 and really just want to start cleaning up my credit file from now. I was recently with a company called churchwood financial who absolutly ripped me off. I am now looking for a company who offer free debt conslidation. I am at uni and working part time and need help with managing all my repayments etc.

What company can help me get out of debt without costing me a arm and a leg? I would like answer from those who really know how to answer this question because I know there are alot of younger people who use this site that just couldnt have a anwser because of there age. So please if you are a adult,and can give me a reputable company that helps with this, please let me know.I do thank all who answer this question from my heart because Im in debt up to my chin.

Does anyone know if Primerica Financial Services has been able to help anyone to get control of debt? They claim to be able to help you get control of your debt and teach you how to stay in control of your assets. I have a fellow worker who has been trying to get me to allow Primerica to help me.

How do you know if you should seek professional debt help? For instance, at what point should you consider debt consolidation loans, credit counselors, and/or bankrupcy? This is given that I understand the responsible use of money, but live in a crappy economy and in one of the crappiest states for crappy economies in the U.S.A. Just looking for some advice from those who are experienced and/or knowlegable in this area. Thanks!

How can I get help with my credit card debt? my husband and I have become 42,000 in credit card debt. I've been late or overdrawn on two of the cards. Now our interest rate has gone from 3.99% to 29.99%. Is there anything we can do to reduce this rate?

I'm 21 & need help with my debt ASAP to get back into school. Any suggestions for the best debt consolidation? I can't get a loan without a co-signer and unfortunately I don't have access to one for miles. I'm trying to get back into a SUNY school who screwed me over on a medical leave so now I owe over 6 grand of unpaid balances to the NYS attorney general where the school sent the bill to be collected legally. I've tried everything from a salliemae loan to an alternative loan from my local bank, everything requires a co-signer which I do not have. I'm currently looking up debt consolidation web links for help ASAP. Any other help would be GREATLY appreciated. Thanks for reading all of this, I really want to go back to school and it's very frustrationg dealing with so many financial difficulties.

Where could I find help to pay off debt that is in collections? I have about 2,000.00 worth of debt that is in collections. How do I go about cleaning this mess up and getting it off of my credit report?

What's a good company to help negotiate debt pay off? I don't care about my credit score, that's already trashed. All my original debt has been charged off and has been in collections for at least the past 3 years. What is a reputable company that will hassle with my creditors for me?

What are some realistic ways the Government can help satisfy the national debt? And some ways we can help subsidize it, however small it may seem.

Where do I find debt help in Australia? I've made some very bad choices. I have debts all over the place amounting to at least $8000. Some of the debt collectors are charging interest at a rate I cannot keep up with. I want a chance to fix it, but I have ruined my credit rating and I have no assets. I don’t think a credit provider will lend me the money to consolidate it all. Should I just file for bankruptcy?

What help does your bank provide for people who are in debt? I need this answer as soon as possible …please if you answer this question ..let me know quickly…thanks for your help.

Does anyone know if Consonlidating Debt really does help you get out of debt, or is it a scam? I am looking in to Debt Consolidating Companies, but don't know if it's a scam or if it actually helps me get out of Debt? Does or has anyone ever done this? If so which companies do you recommend?

Can an out of state laywer help me in a credit card debt summons to court? my cousin is a laywer. can she help me me in california?

Can anyone recommend a non-profit organization that can help with credit card debt? I have been ill and out of work and my credit card bills have not been paid. I need help finding the right non-profit organization to help me out.

Can a credit counseling service help me with credit card debt or hurt me? We have 3 credit cards, all maxed to and over the limit. I am consulting a credit counseling service but my husband doesn't want it to ruin our credit. I personally think it will get us out of debt A LOT quicker and we're not filing bankruptcy. It may give us a blemish on our credit. But I think it's worth it.

How can my bank help with credit debt? I am a soph. in college and make some big mistakes with my credit cards. I maxed out 3 worth 3,000 a piece. I am working with one of the credit card companies with payments as we speak, the other 2 have been sent to collection agencies. I work full time as well. I dont know the best way to go about this but I want to resolve this logcially and as quickly as possible. Is it possible for my bank to help me? Or should I try something else?

Are there any debt relief agencies that help with secured debt. Such as car loans and student loans? Debt relief agiencies that help with secured debt. Student loans and car debt.

Does Primerica help people who have bad credit to become debt free and financially independent? I am strongly thinking about joining Primerica after attending the opportunity night. I really like the opportunity to help people out with overcoming their financial burdens to become independent from a job. However, all the time I was at the Primerica location I started to wonder if joining Primerica, would I be able to help those with bad credit or is this only for a set group of people that have good to perfect credit. I look to help every one and if this is the case I would not feel like that is being fair to everyone. So I am looking for unbiased (please) comments about this. All comments and answers are greatly appreciated.

Is there an agency that will help me pay off my medical debt? My husband and I have $30,000 in medical debt and I was wondering if there were and grants or something similar to help pay them off and get rid of the collectors

If you use a company to help manage your credit card debt and lower payments, will your credit be hurt? I am talking about those companies that say they can help work out repayment plans with lower interest rates and monthly payments.

How to start up my own business with previous debt? I would like to start up my own business in dog walking & dog care throughout the day & weekends. I have a good full time job at the moment with a good pension & healthcare but would really like my freedom to run my own business & not keep contributing my ideas & efforts to line the big cheeses pockets! I have a car on finance, a loan & credit card & I am comfortably paying these off at the moment but if I start up my own business do banks give you a business loan to help you pay off your existing debt to help you with your new business?

I need help with my debt to income ratio, the bank wont approve me for car loan? I have 60k in college loans, just got out of grad school, an got a ok job that pays 35k. I need a new car, but the bank won't give me a loan because of my debt to income ratio. Help?

Credit debt issues: How can I help to improve someones credit issues? I am trying to help out a family member resolve credit issues. Is there anything out there that can help her credit situation? Her score is 550 and she has about 8500. in credit card debt. She cannot get another card because of bad credit history. Any answers?

Will someone help me consolidate my debt by loaning me money? I'm in the red and i wanted someone to loan me money so that i could consolidate my other debts. I have a business but i just couldn't get out of debt if i don't have a long term loan. please help me. Unfortunately I live in the Philippines. Will someone help me with my problem?

If someone bought all of the debt would that help the market? Let me be more clear. Could someone buy the debt which is market right now. Lower the interest to say 2.0% and increase the time on the loans to help out our economy? Will that help out? Seems like an opportunity for a Entrepreneur ... What about some amounts of debt. If people in general starting buying up the bad debt and doing what I suggested would that help out?

How do companies "help pay off your debt in just a year"? I hear all of these commercials for companies that help pay off your debt in a very short time,e ven if the debt is HUGE. I assume this is some sort of scam, but what is the idea behind it? They always say, "we'll help you pay off your debt with JUST the money you're making now!" Do you have to sell part of your intestines? I'm not in debt, this has just been bothering me! Can anyone tell me how these companies (claim to) do this?

looking for attorney in NJ to help me start a debt settlement company? anyone out there ever start a debt settlement company and researched the legal aspect in the state of NJ? I need legal advice from an expert.

Hi. Can someone please help me find the best company to help me settle my debt? I have about 40K in credit card debt that I haven't paid in over a year. I want to settle it once and for all. I don't want to have to deal with collectors or lawyers. How can I get the best possible settlement? I want to pay them off and get on with my life. Is it true that debt management companies can reduce my debt to up to 50%? If so, who do you recommend?

Are debt relief agencies reputable or a scam? Know a good one to help me get out of credit card debt? I have heard that some agencies take your money and don't end up using it to pay off your debts. How can a person find one that will really help and how do they usually work?

Help! Should I use my savings for a down payment for a car or to pay off my credit card debt? My debt is $6200 and I have 7000 saved up. I am going to get a car regardless because mine is on its last leg. I neglected to say that I am in credit counselling. I would have to get out of counselling, buy the car, and then get back on counselling if I were to use that money for the down payment. I don't want to have to do that. Thank you for your advice.

Is there an organization that can help a small business with debt and future plans? We have a company that has an A/P that is nearly $90,000 and we have a weekly payroll of $5200.00. Several of these bills are on 30 day accounts that are obviously past due if not seriously past due. We have some assets and accounts receivable but they come in spurts. Is there an organization that can help us come up with a plan to pay past dues as well as grow for the future? Thanks!

How can I negotiate with a debt collection agency to stop charging me interest or cut my balance by half? What do I need to tell them so they stop charging me interest or cut my debt by half? I owe $4k

How did our involvement in Iraq war ultimately help the cause of Debt Collection? Just wondering and it would be great if u could help me with this because me teacher said it to me and i kinda got stuck

What do you do to help pay off debt? Curious on some ideas/methods people use to help pay off their debt? Or what have you done to reduce your expenses every month to pay off debt?

Hamilton wanted the federal government to take over in full the Revolutionary debt of Congress & states?? HELP? Hamilton wanted the federal government to take over in full the Revolutionary debt of the Continental Congress and the states because he believed that A) this would cause speculators a heavy loss in certificates. B)the payment of all such obligations was guaranteed in the Constitution. C) this would cause well-to-do creditors to favor the new federal government and the extension of its powers. D)the states unanimously favored such a policy. E) it was an extension of his beliefs in the power of the common man.

Who can help me with my credit card debt? I hear ads every day from organizations who say they can reduce my credit card debt. Who can you trust?

Does Primerica help people who have bad credit to become debt free and financially independent? I am strongly thinking about joining Primerica after attending the opportunity night. I really like the opportunity to help people out with overcoming their financial burdens to become independent from a job. However, all the time I was at the Primerica location I started to wonder if joining Primerica, would I be able to help those with bad credit or is this only for a set group of people that have good to perfect credit. I look to help every one and if this is the case I would not feel like that is being fair to everyone. So I am looking for unbiased (please) comments about this. All comments and answers are greatly appreciated.

Do debt counselling companies help with collection agencies as well? you know the non profit places ppl can call to help them. They can usually talk to the credit card companies. Can they talk to the collection agencies as well?

What happens if you leave the uk with a 1000 pound debt? I left the uk with a 1000 pound debt and went to live abroad. I have now been there for 13 years and need to get a passport from the British High Commission but i am afraid that this debt will come back to haunt me. It's not that i didnt care about it but i was young at the time and thought i'd live abroad.

Can I borrow from my 401k to help pay off debt and if so how do I do this? In over our heads in debt and need money fast. Can I borrow against my husbands 401k from his work to help pay this debt..I dont know what else to do. We are in a Chapter 13 so getting a regular conventional loan to help us out is not an option? How do I do this if we can do it?

Have you ever called a debt help place? You see those commercials on tv all the time. You know the ones advertising that they can help you pay off debt quick. I don't know what to think of these places. They can't all be hoaxes, right? What have you heard about them? Or if you have or know anyone who has used this service, what has been their experience with it?

How might debt-equity swaps help solve the international debt problem? point out the benefits and drawbacks from the viewpoint of the debtor country? why do you think the debt-euipty swap market have remained small over the years?

Are there any organizations that help families with loans to purchase homes or even mobile homes? We have someone to help co sign but her debt to income ratio is not good eventhough her spouse pays most of her bills. Any suggestions? Our credit is less than perfect so we cannot get approved on our own.

Which one of the credit card help companies are the best one to use? You know 800 credit card debt? who? I have terrible credit (2 back surgeries will do that to you, plus male pride, my prides' gone now) I get the constant annoying calls, and I don't want to plead bankruptcy. I've paid off a couple of them for about half what I owed (most of that money was fees, on average 28% a month and $70 in other fees, adds up quick) Which company could help cut all those freaking fees, and crap! Which companies have the most influence and can help the most? Please help my stupid butt!

How to deal with debt? More info on filing for bankruptcy? What can creditors do 2 help with interest on debt? I would like more info on how filing for bankruptcy is done? My husband an I have alot of debt. I hurt my back in 2004. We paid for medical bills using our credit cards thinking I would be able to get back to work in no time. With him the only one working at the time we kept using the credit cards to pay for my meds and now we are at our limit and he has been let go from his job he had for over 10 years. This isn't the first time they let him go but this time its for good. While we are waiting to hear about unemployment and if it will go threw we have little cash and lots of unpaid bills. We don't know where to begin an losing hope fast. Has anyone been threw this and found a way to pay off debt or lower the interest rates? We are wanting more into on filing for bankruptcy and if we don't own anything "put up our car to pay off some of the medical bills" how does filing for bankruptcy work? Do you have to pay the money back after you file? After 7yrs will we ever have a good credit?

Can government grants help me with my credit card debt? I am drowning in credit card debt and I am looking for help other than bankruptcy

What action can an unsecured creditor take in Howard County against a Corporation to help Secure a debt? I have funded the operation of a corporation that operates in Howard County, Maryland. It is a sub-s Corporation that is incorporated in the State of Delaware. I have provided funding for several years to help the company meet its payroll and other expenses. I am not a shareholder or on the board of directors. I have deposited money directly into the company account and havecancelled checks as proof as well as several employees of the corporation that have witnessed this.

How will giving back billions of tax dollars help reduce the 9.2 trillion dollar National Debt? Will George have to beg the Saudi's for more help? Or would it be better to beg the Chinese for help?

How do I fill out one of those Customer Statements because I have a joint debt with my ex- husband? a lawyer had adviced me to fill out one of those Customer Statements for a join debt I have with my ex husband. He drives the car I co-signed for and he is having trouble making payments on it.

What really happens with old debt? I have a credit card that is 4500 unpaid from 5 years ago. It is really effecting my credit. They are now offering me a settlement that I am trying to do. If however I can not come up with the settlement amount what can they do? I hear stories from them that they will soon be taking me to court. But then I hear stories from others who have debt and they state that after 7 years it drops off your credit and nobody contacts you to try and collect. What really happens with old debt?

I need help with a Debt Letter? Here is my Paragraph for my Debt Letter: I am over my head in debt. I am currently living pay check to pay check to catch up. But when I think I have caught up there has been a set back in my life. I do not want to file for bankruptcy. I am trying really hard to pay them back but I just need help in doing it. Thats why I have asked DebtXS to help me out with my debt.

What do you think about those companies or law firms that say they can help you reduce your credit card debt? I have credit cards with high interest rates and I have a large amount of credit card debt over $20,000. Do these debt reduction or law firms really help? How does this affect my credit score? I need to pay off and reduce my monthly payments at the same time.

Currently i owe over $10,000.00 in back taxes , is it best 2 consult an attorney to help settle the debt? Should i consult an attorney 2 help settle or lower the debt? Is there anything i can do myself to reduce the debt, penalties or interest? Are those tax lawyers worth whatever they charge? The taxes were from previous 3 previous yrs. PLEASE HELP. EXTREMELY STRESSED AND WORRED ILL GIVE UP .

I placed furniture on my credit card for a friend with bad credit. How can I make the friend repay the debt? I purchased furniture on my credit card for a friend with bad credit. There was no payment and no interest for 18 months. My friend has not paid on the debt in the 18 months, which ends in December. Is there anything I can do legally if he does not pay the minimum amount, on time, every month?

How do you go about consolidating PRIVATE student loan debt with a home mortgage? We are looking for a home about $150,000 and we have about $70,000 in Private student loan debt at 7%.