Tag: finance

Jan 20

Credit Card Debt Advice

  • January 20, 2010

credit card debt advice
need advice on credit card debt?

My husband and I had a JC Penney mastercard with a limit of 13,000 a few years ago when we both worked. We pay 200 automatically stopped our control each month and always keep up to date. 2 1 / 2 years ago, I fired and we ran the card up and out to up trying to get ahead. We continue to pay the $ 200 per month over the past 2 years through our bank account. We discovered last night that the money did not go to JC Penney debt, the account had been delivered in collections and $ 200 per month he would not either. So far we have paid more than 5,000 in payments, but the money is nowhere to be found? Any ideas?

You need to contact your bank and find where they sent payments. To display on your statement each month and an account number that the funds were transferred a. If that is not published in due payments to account I would suggest you file a complaint with the FTC (which here is a link to your website) https / / www.ftccomplaintassistant.gov/ attorneys general and state office. Someone has their money and if that person is not entitled to it, I not only owe $ 5000, but interest too. I hope this helps answer your question.

Credit Card Debt

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Jan 16

Credit Cards For Bad Credit

credit cards for bad credit
You have many credit cards bad for your credit score?

If so what is the ideal number?

Ideal is between 3-5 with balances below 30% of your credit limit and long history of good payments. Actually there is a limit, which once had 14 credit cards over $ 100,000.00 in available credit and my results were all over 800 because I always paid in full each month. The trick is not the number of cards Credit people have is how management that counts. Now only four are still paid in full each month and all my results are still more than 800. In fact, I made several hundred dollars a year off my credit cards due to the advance cash rewards and not pay a penny in fees or interest. Not bad for someone elses money for free.

Credit Cards for People With Bad Credit

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Jan 15

Credit Debt Consolidation

credit debt consolidation
What is the best company to use debt consolidation / credit?

I have to build credit and debt Elimidate

Hi, I used "credit" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%. Solution is legitimate.I came across this company on NBC News Special Edition.Check here: http://memurl.com/ furetu

Bad Credit Loans Personal Loan Approved Today Auto Loans,Home Loans Dept Consolidation and More, visit us now and Apply Online Fast Easy And Safe

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Jan 14

Debt Solutions

debt solutions
Has anyone here used InCharge Debt Solutions?

I am currently in a program of debt management with them. I want to finance a Dell computer but when I called to ask if he could charge fund or not, did not know if get the program started. It said that Bank of America is more demanding than I and others could get the card began. Does anyone have any experience with this?

So, let me get this straight … Is already so broken that was one of those scams "debt management" places, but you still wish to order more. Have not you learned your lesson? If you really want to learn how to manage their own financial life like a real live adult, get a copy of the book below. It will give you a new perspective. The guy who wrote it has been as broken as you and now he is a multi-millionaire. No time has provided some 20yrs. We have off plan and tons of debt, we have a budget and we work money to buy things we need (such as computers – and we have 3 cars). I promise, you can buy a Dell PC computer or a real good w / real money. You do not have finance. The reason Bank of America will release their silly little card debt mgmt plan is b / c it is seen to still being IRRESPONSIBLE w / your $ $ $. They thought (correctly) that if you have $ $ to make a note on a computer, then you can afford to pay full payment!

Debt Solution

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Jan 02

Get Out Of Debt

  • January 2, 2010

get out of debt

No financial planner would never recommend a mortgage refinance (one form of debt consolidation) to get out of credit card debt. It is the substitution of collateral for unsecured debt and you could lose your home in a lot of unsecured credit card if you are injured or can not pay their new higher monthly payments.

In addition, and these are verifiable published reports, 77% of all people who refinance their way out of debt Credit cards are back at the same level of credit card debt 2.5 years later on average, only now with less equity in your home. So which is obviously not solve the problem.

Why?

Because there was no need behavior modification. It was very easy Back to just refinance out of cc debt. No financial planner increasingly recommended route.

According despite having to go without using cards credit of 2 to 3 years and go through behavior modication. Credit counseling entries on your credit report are as bad as bankruptcy entries. They block your FICO for 10 years and bring you a FICO 700 to 500, low overnight.

Debt settlement instead is only a late payment on your credit report. Late pays bring down a 700 FICO about 40-50 points, reduce from 600 to about 30 points in FICO, and lower than 500 Ficosa of 10 to 20 points. But most importantly, the FICO goes back more than the fall from late payment and eliminate the debt so their debt to income ratio reduced to zero and your FICO is back up higher than it was before join a settlement program even with the late payment by,
but we demand the withdrawal of pay late entry as part of a negotiated solution and achieve that 99% of the time.

Superior debt relief is debt settlement company only pays for three levels of credit restoration after taking up the FICO greater.

Settlement is one of the methods used by mortgage consolidation people to get a qualified person in a house that was denied financing due to a very high debt to income ratio.

Peak Oil Preparation: Get Out of Debt 1/3 – Michael Ruppert

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Jan 01

Credit Card Debt

credit card debt
Can credit card debt transfer their children after their death?

An older family member of mine has a lot of credit card debt and its great advantage is the only house we currently live by what I've read it seems that the creditors liquidate all its assets, including house in order to try to cover the debt to his death. One of his sons want to buy the house or take a mortgage on them now and become the new owner. If the house is sold / transferred in this way and no longer belongs to my older family member of the great debt, creditors will try to come after his son after his death? The house is located in Florida.

A better transfer of the house before the death of this individual, because you are right to come after the estate of the deceased. If a child purchases of their home seller has to keep the money from the banking system other than the money would now be active. But I'm sure you already know. Once the person has died the only thing the child has to do is open the letters send a copy of the death certificate. (There must be certified, unless contact them and ask by one) and also includes a note that said deceased has no roots. I never after 2 1 / 2 years had any of my father in laws creditors write again.

Credit Card Debt

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Jan 01

Credit Card Debt Loan

  • January 1, 2010

credit card debt loan
is possible to use a mortgage to pay credit card debt?

I have a total of $ 7,000 in credit card debt with a high interest rate. I would buy a house, but you can not afford both the credit card payment, plus a house payment. I have an excellent score credit with the three agencies. Can I get a home loan that could be used to pay the card balances? If so, any advice?

Call your credit card company and tell them you have an offer from Company X to transfer your debt to them, without interest for two years without charge. Ask your height. Or open a line of credit in a credit union. Generally offer lower interest rates. Or, pay your debt CC, then buy your home. Good Luck!

Student Loan Debt vs. Credit Card Debt. Which Impacts Credit Scores More?

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Dec 30

Credit Card Debt Loan

  • December 30, 2009

credit card debt loan
How much money have you saved? * O * How deep are you in debt? (Credit card, student loans, mortgages, etc)?

The current data add to the financial situation would also be interesting. Just seeing how bad people can be damaging to the slowdown economic.

No debt, I recently paid my mortgage. And with more than $ 1MM in savings and various investment vehicles. But I have a long way to go before he can retire. Figure I need at least $ 3MM.

Credit Card Debt Loan

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Dec 29

Credit Card Debt Consolidations

  • December 29, 2009

credit card debt consolidations

Ethics and moral Christian debt consolidation

Did you know that not all industries are full of negativity and greedy employers? There happens to be an industry that is surrounded and grounded in ethics and morality and the industry is Christian debt consolidation. If you are suffering a disorder of credit cards with almost every penny of your discretionary income goes to monthly payments and only making minimum payments, then you need a little relief and assistance in that regard. This is where the good people of the Christian-base can help you and your family with this company.

Truth and Honesty

Not only did the industry have Christian debt consolidation as the truth of its flagship and goodness in every action we perform, they also have the belief in a higher power to guide not only him but also directs every single movement they make. Now you may be wondering what Christianity has to do with the relief of credit card and would be a very good question to ask and reflect! Christian debt consolidation, even for non-Christians, is a very important part of an industry that is changing the way the United States with credit and credit card debt.

Good Guys by good things

The basis of all Christianity is a belief in a higher power and this higher power is God. It is true that I said in this world and the world seeing what they say does not bother anyone else we met for our conviction and our unshakable belief in Di-s. Please do not put aside or put back by our fervor religious and who just wants to tell the truth when it comes to what we believe and what debt consolidation in the industry as a whole Christian thought.

Create in yourself

How refreshing it is to be told the truth and in this world of getting it done yesterday and in a blink of an eye, it is important that you understand are that good. We consider ourselves a good professional and ethical honest information and reviews debt relief, and never deceive you or tell something that is not 100% honestly believe to be true. That's a beautiful activities positioning debt relief especially at this faster than light in the world. You can do this and they can help, we can help you escape from deeper credit card debt.

Christian Debt Consolidation Resources

Faith based Christian debt consolidation techniques are based on sound and time tested financial principles than anyone can use. As with regular debt services, Christian debt consolidation services will intervene on your behalf to work with creditors on your debts. Find out what to look for in a debt consolidation service today to help you improve your finances and the quality of your life. There are a lot of things to consider before you finally choose the right debt solution to meet your needs. Be very careful in choosing the right debt counseling service. Debt counseling will not wipe out your debts instantly but it will assist you in re-establishing your financial reputation.

Credit & Debt Consolidation : Cheapest Way to Consolidate Debt

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Dec 23

Debt Consolidation Services

debt consolidation services
What is a good, honest service consolidation debt reliable in Chattanooga, Tennessee.?

I need a credit counseling / services Debt consolidation in Chattanooga is accurately and honestly. Thanks!

Do not go with credit solutions! which is a settlement company. I see that here all the message in time! With regard to debt counseling Corp. have used – they are very good. with a budget and helped make me a good way. I have a friend who lives in Tennessee and he also used. Http: / / debtcounselingcorp.org

Debt Consolidation Services

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