around wayne michigan???? for over a year now things got to hard and i had to put the house bills before the cc bills now im so far behind the interest is just as much as i spent on the cards.. they are taking me to court now and i do not know what to do because its hard enough keeping a roof over our heads and keeping the lights on… so i need an attorney someone who would hopefully take payments
My nephew has received a "bail out" from his parents TWO TIMES and he has not learned his lesson!
He applies for a lot of credit, goes on a spending spree, charges 2 or 3 cards to the near max leaving one open then he says that he will pay the cards back "when he gets a job over the summer."
The first time he accumulated ,000 of credit card debt, the second time ,000 of debt!
Now he got a new line of credit and has already accumulated ,500 dollars on it in less than 2 months!
I say that his parents SHOULD NOT pay the balance and let him file for BANKRUPTCY!
How else can he learn his lesson!?
HE IS OBVIOUSLY VERY DANGEROUS WITH CREDIT!
I guess his parents never taught him finance as a kid!
Let this be a lesson to parents everywhere who think that their kids are "too young for money."
He is 19 but I use "teenager" because he still acts like a teen with no sense of money!
First off I am in shape, go to a top university, and have an amazing girlfriend. This is not about me.
How can you teach or punish a teenager infatuated with LIBERAL SPENDING that when you buy on credit its NOT your money?
The teenager has gotten a "bail out" from his parents TWO TIMES and he has not learned his lesson!
He applies for a lot of credit, goes on a spending spree, charges 2 or 3 cards to the near max leaving one open then he says that he will pay the cards back "when he gets a job over the summer."
The first time he accumulated ,000 of credit card debt, the second time ,000 of debt!
Now he got a new line of credit and has already accumulated ,500 dollars on it in less than 2 months!
I say that his parents SHOULD NOT pay the balance and let him file for BANKRUPTCY!
How else can he learn his lesson!?
I guess his parents never taught him finance as a kid!
Let this be a lesson to parents everywhere who think that their kids are "too young to learn about money."
The person is 19 but acts like a 15 year old!!!
How can you teach or punish a teenager infatuated with LIBERAL SPENDING that when you buy on credit its NOT your money?
My nephew has received a "bail out" from his parents TWO TIMES and he has not learned his lesson!
He applies for a lot of credit, goes on a spending spree, charges 2 or 3 cards to the near max leaving one open then he says that he will pay the cards back "when he gets a job over the summer."
The first time he accumulated ,000 of credit card debt, the second time ,000 of debt!
Now he got a new line of credit and has already accumulated ,500 dollars on it in less than 2 months!
I say that his parents SHOULD NOT pay the balance and let him file for BANKRUPTCY!
How else can he learn his lesson!?
I guess his parents never taught him finance as a kid!
Let this be a lesson to parents everywhere who think that their kids are "too young to learn about money."
How can you teach or punish a teenager infatuated with LIBERAL SPENDING that when you buy on credit its NOT your money?
My nephew has received a "bail out" from his parents TWO TIMES and he has not learned his lesson!
He applies for a lot of credit, goes on a spending spree, charges 2 or 3 cards to the near max leaving one open then he says that he will pay the cards back "when he gets a job over the summer."
The first time he accumulated ,000 of credit card debt, the second time ,000 of debt!
Now he got a new line of credit and has already accumulated ,500 dollars on it in less than 2 months!
I say that his parents SHOULD NOT pay the balance and let him file for BANKRUPTCY!
How else can he learn his lesson!?
HE IS OBVIOUSLY VERY DANGEROUS WITH CREDIT!
I guess his parents never taught him finance as a kid!
Let this be a lesson to parents everywhere who think that their kids are "too young to learn about money."
I am 20 years old I live in a house with my boyfriend it is in his name but I paid for this house also, I was just wondering if anyone had ways to get a credit card? I went to my bank and asked and they want me to put my own money on a card for like almost 2 years and keep paying it back. I do not have that much money to pay on the card and then pay back constantly. I work in fast food but I do keep my bills paid, was just wondering if theres any good cards out there to apply for like a 300$ credit limit I want to start building my credit. Also My dad filed bankruptcy a year ago and he is starting to re build his credit can he cosign for me still? its so difficult doing it by yourself because my mother has bad credit so I cant have her cosign anything so I’m kind of stuck. And yes I’ve applied and kohls, fingerhut all these small places and got denied. Please any advice would be great! It would help out alot! I dont want a credit card to be immature, I want it for emergencies such as my car breaking down or for gas or bills.
We have like 14 cards. We want to keep like four to help us rebuild our credit after we file. Just wondering if we can reaffirm them.
Me and my wife after several months of financial hardships have contacted a attorney for possibly going into bankruptcy. We are current on all our bills and always have been. She had to leave her job in January and has not been able to find work since, to try and make up for this I went into a online venture which ended up me being scammed for about ,000 from a credit card I used. We lived off borrowed money and taxes but that is all gone. My question is this, I have no money…I mean no money at all. My refrigerator is broken so we have had to eat out at fast food for the past few weeks. Things are crappy and I need money to get by, however I don’t want to get into trouble for using my cards when I plan on filing for bankruptcy. Is it acceptable to use them for things such as food, clothing, gas etc… I would greatly appreciate any help you can provide. I feel bad enough for being pushed into this but don’t want to get into legal trouble if we do file. I have yet to speak to a attorney and don’t even know if I qualify. So is ok to use the cards for these things? Would be ok to use a credit card to buy a new refrigerator? or to pay to maybe get the old one fixed???? PLEASE HELP!
Thank you so much in advance!
First off, I am a full-time college student. Ok, here’s my situation–I’m a little over ,000 in credit card debt. My monthly payments from all my cards combined add up to about 0, and every one of my cards (with the exception of one at 8%) have rather high interest rates (19%, 20%). Most of them are pretty close to being maxed out. Having to make these payments is really hurting me every month. I would like to consolidate all of my cards through a loan from my credit union. HOWEVER, due to having a bill that has been out in collections (0 electric bill) for the past 3 months, my credit score has gone down. I know you’re prob gonna say just pay it because it’s only a 0, but wouldn’t even be able to pay that right now without ultimately cutting myself short at the end of the month. Would this mark on my credit inevitably prevent me from being able to secure a loan through my credit union?
Also, if that wouldn’t be able to fall through, do I have any other options at all? I am pretty stressed right now about finances and would really appreciate some educated/experienced advice with this type of situation. First hand experience with this would probably offer me the best advice to this predicament–what did you do to get out of debt? Is bankruptcy even a good option, or is my debt small enough to where there’s still hope for another alternative? Please respond to this i am desperate to get out of debt! Thanks a lot in advance.
I am deliquent on 7 cards for 3 months but only one card has been calling me since the payment was 2 days late. They have called me from 8 am till 10 pm, monday thru sunday. I have written to them and even sent small payments at first but have stopped that since I can’t afford it and it made no difference to them. Their law firm called me a few minutes ago (yes on a sunday morning). I have no money to pay them anything and am a couple months away from not even being able to pay rent, so the credit card bill is last on my list. I live in a cheap apartment in a bad area, walk or take the bus (have no car), nothing valuable and no money in the bank except when pay small paycheck goes in (I make about 700 month after taxes and also have a child to feed. I wanted to file bankruptcy but cannot find anyone in this state (Texas) that offers free legal aid. If I was a violent criminal, I could get an attorney, but for bankruptcy, no one will help. I was stable for 14 years.
circumstances changed for me last year and my world fell apart. If I do ever get to file bankruptcy, can it remove a judgement from a card company if they got one on me? I have no disposable income so I don’t know what they could really get.
First off, I am a full-time college student. Ok, here’s my situation–I’m a little over ,000 in credit card debt. My monthly payments from all my cards combined add up to about 0, and every one of my cards (with the exception of one at 8%) have rather high interest rates (19%, 20%). Most of them are pretty close to being maxed out. Having to make these payments is really hurting me every month. I would like to consolidate all of my cards through a loan from my credit union. HOWEVER, due to having a bill that has been out in collections (0 electric bill) for the past 3 months, my credit score has gone down. I know you’re prob gonna say just pay it because it’s only a 0, but I wouldn’t even be able to pay that right now without ultimately cutting myself short at the end of the month. Would this mark on my credit inevitably prevent me from being able to secure a loan through my credit union?
Also, if that wouldn’t be able to fall through, do I have any other options at all? I am pretty stressed right now about finances and would really appreciate some educated/experienced advice with this type of situation. First hand experience with this would probably offer me the best advice to this predicament–what did you do to get out of debt? Is bankruptcy (which I know absolutely nothing about) even a good option, or is my debt small enough to where there’s still hope for another alternative? Please respond to this i am desperate to get out of debt! Thanks a lot in advance.
First off, I am a full-time college student. Ok, here’s my situation–I’m a little over ,000 in credit card debt. My monthly payments from all my cards combined add up to about 0, and every one of my cards (with the exception of one at 8%) have rather high interest rates (19%, 20%). Most of them are pretty close to being maxed out. Having to make these payments is really hurting me every month. I would like to consolidate all of my cards through a loan from my credit union. HOWEVER, due to having a bill that has been out in collections (0 electric bill) for the past 3 months, my credit score has gone down. I know you’re prob gonna say just pay it because it’s only a 0, but I wouldn’t even be able to pay that right now without ultimately cutting myself short at the end of the month. Would this mark on my credit inevitably prevent me from being able to secure a loan through my credit union?
Also, if that wouldn’t be able to fall through, do I have any other options at all? I am pretty stressed right now about finances and would really appreciate some educated/experienced advice with this type of situation. First hand experience with this would probably offer me the best advice to this predicament–what did you do to get out of debt? Is bankruptcy (which I know absolutely nothing about) even a good option, or is my debt small enough to where there’s still hope for another alternative? Please respond to this i am desperate to get out of debt! Thanks a lot in advance!
A lady dropped off some papers in person today, from a law firm, stating he needs to appear in court Oct 17th. The total came to a little over 1600$, he has 2 other cards with about this much on each (but neither has filed a complaint). Problem is, we are barely making it as it is, we are even on food stamps right now. We have 3 children, and I don’t work right now, I plan to go back to school. Also, he was only 17 when he got the card, he lied on the application, will that have an effect? Should he file for bankruptcy? Can they attach his wages?
I’m filing to stop a collections lawsuit that was filed against me the day before my statue of limitations ran out. 4 years ago I had my card numbers stolen and had gone through some other money troubles.
I opted to keep gas in my car and a roof over my head than struggle to pay my cards off after they screwed me over.
Here it is like 4 and half years later and I’ve started rebuilding my credit. I currently have 3 cards all with low balances that have been paid on time for nearly a year each. I’ve been told when I file bankruptcy that I need to file on them as well. I’ve also been told that if the cards are paid off, that I do not need to file against them.
Is that the case? Can I keep my 3 cards after I file bankruptcy if they’re paid off, or should I just file them in and try to start over yet again after it’s been discharged?
Thank you!
I don’t mind filing against them. I just want the clearest information I can get. I’d rather have the clean slate, but thanks for the clarification.
I own a house with my parents all 3 on the mortgage, they live there and they pay the mortgage. I have unsecured credit card debt(ex-boyfriend is responsible but I can take no legal action against him because his name is only on one of the cards) and want to file Chapter 7. These cc’s have not been paid on since Nov 05, I have not had the 1000+ to file. How can my parents be affected in all of this? We are in NV
I am confused as to what to do – my husband and I recently reconciled and between the two of us, we have ,000 in unsecured credit card debt. Although he makes very good money, approx. 00 per month, we cannot keep up on all the minimum payments for these cards, let alone trying to pay the principal.
He has a car payment and we own our house (or we will in 27 years anyway 
– we have not been late on the mortgage as that is our top priority. We also have 4 kids…… should we file? We figure since we have the house and vehicles that we can deal with the bad, bad credit that this will result in but are we forgetting something?
We considered a debt consolidation but we heard this is more often then not a scam and ruins your credit as much as or more then a bankruptcy. Any advice is appreciated ~ thank you.
Unfortunately all the late payments have resulted in a credit rating in the 500’s which is too low to qualify for a re-fi.
in Texas? I have no money to file, actually on the edge of not even having rent money, so I can’t afford anything. I have 7 late cards in which they are all just adding them to the bill each month except for one that starting calliing me when the card was 2 days late. It has been 3+ months and they are turning my card over to a legal firm. I have tried to contact Houston volunteer lawyers and they no longer handle bankruptcy, and have tried to contact Lone star legal aid. Got a recording on every number I called. They say they only take bankruptcy calls on mondays from 9-11 45 and I just called now. They say press 5 for bankruptcy then give options which don’t include bankruptcy, press 1 , return to main menu press 0, no option at that point for bankruptcy. Does anyone know of an actual number that I can call to get information? I have called, emailed, etc and got nowhere.
Considering going bankrupt but I want to keep the cards that are still in good standing so that I can start building my credit back up? Do I have to close all of them?
Any other info from experience w/ this situation?
I want to file bankruptcy due to 30,000+ in medical bills, will it effect my 2 cards I now have? Will they be excepted in the bankruptcy?
After all they are always sending credit card offers out and they are not very selective in who they issue cards to. They keep raising the limits and then if you get in a bind they just say oh well and refuse to work with you.