Archive

Posts Tagged ‘Credit Debt’

How do I refinance my house without a credit score?

January 20th, 2010
Luvinmylife2 asked:


I have excellent credit and zero debt. My house is paid for, debt free, and I do not have any outstanding debt. I have had loans in the past, but I’ve paid them off. Therefore, I do not have a credit score. I want to tap into the equity on my house and take out a second mortgage on my home, but the bank says that I do not have a credit score. Does anyone have any ideas on how I can get a competitive rate with no score?

web based crm software

Credit Reports ,

Have any of you guys used federal school loans to pay off part of your credit card debt?

November 9th, 2009
sandiego_mike asked:


I will be attending graduate school this coming fall. While relocating I’ve racked up some credit card debt. I intend to work while in college but for the first month I will be strapped for cash. I know you can only use your federal school loans for tuition, room and board, and other related expenses. Nevertheless, would be a problem if I used part of my loan to pay for this coming credit card bill?

Debt Help , ,

What happens, after 7 years, if your credit card debt has been charged off, and sent into collections?

November 7th, 2009
satillarivergal asked:


I have old credit card debt! I haven’t paid in 7 years.-And nobody contacts me anymore.I am not proud of it, and realize I need to do something about it. I got a credit report online from Equifax. It showed no debt. Just one card that was in good standing.What’s up with that? I was hoping to get the names of the card I owe to try to clear up some of the debt.Surely the debt doesn’t go away!Should or Can I just try to rebuild my credit?What do I do?
I am certain that the statue of limitations in my state is 7 years. But certainly, if I try to get a loan, this bad credt will show up? It surely doesn’t just dissappear? Right?

Debt Help , ,

Can a credit card creditor place a lien on someone’s home to collect a debt?

November 5th, 2009
TJ asked:


My wife and I are being harressed and threatened by a collection agency over the phone at my wife’s work to place a lien on our house if we do not make good the debt. Can a lien be placed on a home in Texas for a credit card debt?

Debt Help , ,

What kind of Documents, should I ask for, when a collection agency is suing me for a credit card debt?

November 5th, 2009
haydu_computer asked:


The attorney literally sent the back of a credit card agreement, no signature. The Revision Date is from 1999, however, the account was open in 1996…. I need to ask this clown to provide some evidence that the debt is mine. I need to ask him to prove the amount as well.

Debt Help , ,

How do I get 25K to pay off my ex-wifes credit card debt FAST?

November 3rd, 2009
roland_wlfraven asked:


As part of our divorce I got stuck with 25,000.00 of my ex-wifes credit card debts. Any ideas to get rid of the debt will be considered.

Debt Help , ,

How can a person LEGALLY avoid paying credit card debt if they are not ready to pay yet? Example: NO INCOME?

November 3rd, 2009
Yahoo_Asker_G asked:


What is it that creditors know that they don’t want the general public to find out about paying credit card debt?

Debt Help , ,

I am a serious shopoholic and my credit card debt is outrageous. Anyone know anything I can do to cure this?

November 3rd, 2009
Truth Hurts asked:


I have a serious shopping addiction and I don’t know how to stop. I buy things just because and if I don’t have the cash, I always charge it. This is an illness for me. My credit card debt is extremely out of control and I can’t seem to stop. I’ve tried to find a shopoholics anonymous, but haven’t found one I liked. Any books out there that might help me or any other suggestions?

Debt Help , ,

Is it true that your credit card debt can be wiped off your file, even if i owe a debt wil my file be clean?

October 30th, 2009
Tramadol asked:


I mean i heard after 6 years ur debt is wiped out, does that mean i can take another card or mortage or something? even if the debt is still there? i mean even if i owe the outstanding debt will my credit rating be clean again after 6 years? & does that mean it wont effect my credit rating?

Debt Help , ,

Will the current Administration do something about credit card debt and bad credit?

October 22nd, 2009
Qwerty asked:


Since there are a lot of people with bad credit nowadays, do you think they will put pressure on credit card companies to help people with debt or bad credit?

Debt Help , ,

What should I do i’m a teen being taken to court for an unknown credit card debt?

October 18th, 2009
G.G. get like me! asked:


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.

Debt Help , ,

Take the money in savings and pay off credit card debt?

October 15th, 2009
blanquita asked:


Okay, so I have had this dark cloud of credit card debt looming over me for about 10 years. I have it paid down sufficiently, but a big amount is still there. I now have money in my savings that would allow me to totally pay it off. Opinions? Should I take the money in my savings and pay the credit card debt off completely? I have very good job security where I work, so I am not soooo worried about being laid off.

Debt Help , ,

How much credit card debt can you have?

October 14th, 2009
Jody M asked:


Is there a percentage of income that credit card companies look at, like income/debt ratio for homes?

Debt Help , ,

How much credit card debt do you have?

October 13th, 2009
Edgar from Socal asked:


I recently paid off my capitol one card so i only have $1200 in credit card debt!!! thats from $13000 that i had in debt, give me a pat on the back, lol.

Debt Help , ,

What are some ways to stay away from credit card debt?

October 10th, 2009
myh2yellow asked:


Besides just not using credit cards…

What are other ways to stay away from credit card debt?

Debt Help , ,

How can a person LEGALLY avoid paying credit card debt if they are not ready to pay yet? Example: NO INCOME?

October 7th, 2009
Yahoo_Asker_G asked:


What is it that creditors know that they don’t want the general public to find out about paying credit card debt?

Debt Help , ,

Whats the highest credit card debt youve ever heard of?

October 4th, 2009
Hello! asked:


Im 19 and im in $1,600 in credit card debt . My parents say that thats nothing compared to most peoples debt but I still feel thats alot for being 19 years old.

Debt Help , ,

How can I solve my credit card debt?

October 4th, 2009
Kimme asked:


I have $14,000 credit card debt. I know, it is getting bad.

I just came into a $4600 inheritance–should I all that money to pay down my credit card? I’m hoping that it will reduce my finance charges.

Debt Help , ,