JESSICA CAMILA asked:


Ok, Just people who actually know about this answer. And no smart answers please. I’m 19 years old and have about 18,000 in debt. When i was 17 .. a company sent me a credit card although i was under age with a really high limit, I don’t remember applying for it but obviously the birth date must of been incorrect. I always paid everything on time and had a credit score of 734. A few things happened and i fell behind. Now I’m paying one of the credit cards which is 350 a month. Plus car payments and all. I’m worried that i won’t be able to file bankruptcy because of that credit card, what if they have the wrong birth date? What will happened? Because that would be illegal right?. I need some sort of debt relief program. Any suggestions??

** IF I FILE BANKRUPTCY , HOW LONG BEFORE I CAN BUY A HOUSE? HOW LONG WILL IT TAKE ME TO REPAIR MY CREDIT. HOW LONG UNTIL THE BANKRUPTCY IS REMOVED FROM MY CREDIT?? AND ALSO DOES IT AFFECT ME GETTING A JOB, GETTING INTO SCHOOL OR ANYTHING???

Gerald

jen2001 asked:


We’re at a point of bailing out and starting over because of our financial situation, but not sure if it will cause more stress down the road. We started a trucking business 2 yrs ago that went under and left us with $100k in personal credit card debt. Our mortgage is $2900 and going up to $3500 in 2 yrs.. We owe more than the house is worth so are thinking of doing a short sale or deed in lieu of forclosure and rent a cheaper place until the CC debt is paid off. I have thought of doing a debt relief program, but not decided because of the bad things I read about it. My credit is still high because I pay everything on time, but not able to pay much more than the minimum so not getting anywhere. I feel like I’m throwing money away on this house and would like to get out of it and have some breathing room to start over. Has anyone actually done this and how has it effected you? Do you think it is worth ruining great credit to be able to have a life again?
Thanks for any advice

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tkowkd77 asked:


I’m curious if there’s a debt relief program, where a part of my student loan may be forgiven or waived. I’ve been diligently paying my loan at a rate of 100 dollars per month.

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diamondangel_85 asked:


If so are they ligit and did it work to get rid of your debt?

Jennifer

kmcglidden asked:


there was one that i was looking at that was a 20 dollor a month donation to them and the payments you decided on. but i dont know tht name. does anyone know what im talking about?
it has to do with this subject because it is christan based program and im hoping someone in here will know.

Roberto

Anas M asked:


I’m currently suffering financial problems. I am thinking about going into debt relief program. I have a student loan for $4,700 and two credit card with balance of $3,000. I am looking for the best debt relief company that is trusted and can settle me with one low monthly payment

Raymond

David Brown asked:


 

Majority of the credit card holders are facing a lot of problems at present, due to the rising interest rates. Credit cards have always been a source of high interest debts. Moreover, holding multiple cards and its incessant use makes it tough for the user to pay back the debts on time. So, what is the best alternative available to the debtors? In this context, credit card debt relief program can certainly assist the debtors to a larger extent.

To get started with this program, first of all one should have a proper understanding of the debts. As a first step towards getting rid of the debts, the debtor should stop using multiple credit cards. Instead, one should use the credit card way up to his/her repaying capability. This will certainly help to reduce the extent of debts.

Preparing and sticking to a monthly budget will also be of great help. The debtors should keep a track of the expenses and particular care should be taken to ensure that the expenses should not go overboard. Infact, more and more emphasis should be laid on using the debit cards. By doing so, the debtors will be able to spend only that much amount that is available.

Just in case, you are finding it tough to evaluate the financial matters or facing difficulty, you can very well take the services of experts. These experts are experienced and qualified enough to provide and suggest ways, which on implementation can help you to get rid of the debts. However, you have to strictly follow the plan to achieve the success. A slight deviation from the plan will result in further problems. These experts are also capable of negotiating with the various lenders to extend the repayment tenure or reducing the outstanding debts to a more agreeable amount.

With credit card debt relief, it definitely means an end to all the debt hassles. All that you have to do is to follow the plan and stick to it, until you get rid of all the debts.



Jo

Rayne R. asked:


I am looking for possibly a consumer credit counseling or debt relief program. Have any of you used one? Who would you recommend?
Because of this, my credit rating is unbelievable low and taking on a new credit card or debt is not an option.

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jdbrown919 asked:


I would like to do the “Dave Ramsey” method to snowball my debt, but I don’t have enough money to start. What are the negatives for looking into a debt relief program? If any?

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baileyboudin asked:


I have my own credit cards, etc. and have realized I need to change my spending habits so I am going to see about credit counseling. But the problem is that if my husband finds out how much I owe, THERE WILL BE A DIVORCE. I need help in solving this problem.

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