Where can i find help for credit card debt? without paying a fee for help? i haven't had a job

I have offered to pay as much as i can afford but they want more than i can give. im using a freinds computer today because i had to turn off my phone . any idea at all will help.

Where can i find help for credit card debt? without paying a fee for help? i haven%26#039;t had a job for 8 months.mortgage loan

Call your city%26#039;s Dept of Consumer Affairs, they can provide you with a social worker number

Where can i find help for credit card debt? without paying a fee for help? i haven%26#039;t had a job for 8 months. loan

Check out CCCS. They are a national credit card counseling service and they help people get out of debt...|||Warning...stay away from the %26quot;free debt%26quot; services you see on TV. You can never recover. Send minimum payments, on time, and get any type of job. There is no shame in saying %26quot;Would you like fries with that?%26quot; Then only spend the money you have.

What's the lowest amount I could settle with a credit card company-- percentage wise???

I was offered 50% of my current balance, but I can%26#039;t afford the payments. Is it possible that they would go any lower. Today was the first time I have spoken to them and that is what they offered, I told them I can%26#039;t afford the payments (they wanted $1400 a month for four months--- are they insane? If I could afford that my payments wouldn%26#039;t be behind 4 months!!!). Is it possible that they would settle for less with lower monthly payments? I really can%26#039;t afford what they offered and I want to pay them (after all, it is my debt), but if that is what it will cost I don%26#039;t think I will ever get out of debt! What do you think? I would really appriciate any responses.

Thank you in advance.

What%26#039;s the lowest amount I could settle with a credit card company-- percentage wise???online loan

your credit card company would be silly to turn down any money that you send. You can easily send $100-$500 a month until paid off and they will accept it. However, it still may show up on your credit report as a late pay. The lowest they will go is about 50% and that is usually if the account is long over due.....like a year or more.

What%26#039;s the lowest amount I could settle with a credit card company-- percentage wise??? loan

sounds like a dilly of a pickle.|||Please remember that whatever you don%26#039;t pay in the settlement is considered income and you will be taxed for it at year end. Also, please remember that it will show on your credit as %26quot;settled%26quot; not %26quot;paid as agreed%26quot;. Whenever it says anything other than %26quot;paid as agreed%26quot; it is a negative on your credit.|||Look for another credit card company. What they offered you is not going to work then shop the market for balance transfers. Look for something with a very low interest rate for balance transfers. Make them work with you on a payment plan.

DO NOT go for debt consolidations places, or if you decide to then please beware. They are sometimes worse than landsharks in the way they badger you for your money.

The interest rate always depends on your credit report and credit history. If you haven%26#039;t been very good on it then you might want to expect a 20% or more interest rate. If you have been pretty good then you might be lucky to find a 15% interest rate.

Shop the market and apply to whomever you feel has the best deal for you.|||50% is probably the lowest they will go. After all, it is your debt? Well after all, it is their money and they want it! They are already losing money by making a settlement with you. Talk to them about lowering your monthly payment, like financing the balance on a long term loan. If they want to get money from you they should work with you on that.

What are some things I can do to establish credit?

I am attempting to establish credit but I don%26#039;t really have any idea of how to go about it. Credit card companies send me offers every week. But I know that most of those are no good. I read all of the information they send me. I find out that the 0% apr rate is only temporary. I also discovered that I will be charged all kinds of fees just to open up the account. I don%26#039;t even want to mention what happens when you default. What way should I go about this. I have close family members such as aunts, uncles, my own mom and older brother who have all gotten caught up in the credit web. What should I do?

What are some things I can do to establish credit?unsecured loan

First you need a bank account to start building your credit score.Every time you spend on a visa for example you are building up a score which other financial body%26#039;s use to decide whether you are a safe bet. The more you bank ,use cheques or a credit card and pay bills on time you are building this up.Always remember to not spend more that you have then you will keep a good score.And the result of this will be that it is easier for you to borrow when you need to.

What are some things I can do to establish credit? loan

Pay all your bills to include hospital bills. I got a starter loan ($500) and paid it off in the allotted time.|||option 1. get a credit card from your bank use it to buy a t-shirt or something small and pay it off every month.

option 2. get a debit card and do the same thing as in option 1.|||If you want to establish credit start small. A credit card with a small available balance will not put you in too much trouble if your spending gets out of hand. Most importantly once you get it don%26#039;t spend beyond your means no matter what the interest rate is. Make your payments on time and if possible in full every month. Once you create a steady history of paying on time you should be able to establish credit. Your family is probably not in trouble because they received credit but because they abused their credit.|||Credit cards are probably the easiest way to establish credit as long as you don%26#039;t over use them and get into trouble. I have one credit card that I keep ONLY for emergencies. Also, you can open checking and savings accounts under your name, it shows you know how to handle your cash. Getting a loan is another option and paying it back quickly but watch out for interest charges. And ALWAYS pay your bills on time.|||well it depends on how bad your credit is. If possible get a sears card, or a macys card or one of them, or even a credit card. Get three of those, and use them for everything you pay now with cash or debit for. Dont go out there spending money you dont have. Once you do that and pay them off on time, that will increase your credit score within the next 6 months and so on. What you have now are called tradelines, and the more positive payments hot your report, the more you are going to improve it.

There is no other way unfortunatly.

I know a credit service called Dream Richly that can help you with your challenged credit for FREE if you become a club member which will only cost you 25$. The same package would cost 599$ if you are not a member.

The reason why they can do it for FREE for members is like the system of costco or sams club. They charge you to become a member, but now you get the service at a wholesale price instead of retail.

It will take about 6-12 months to go through the process, but it is absolutely worth it.

You can call the credit hotline 310-287-4777 and tell them that you were referred by Malik and they will take care of you.

There is no obligation whatsoever when calling.

The reason why our parents, aunties and uncles are caught in the web, as well as you , is because nobody taught them how the credit game works. If you know the rules, you can succeed.|||Paying your utilty bills on time doesn%26#039;t necessarily mean you%26#039;re building credit. It will only show up on your credit if you%26#039;re late and thats only going to hurt you. Things like making car payments on time and paying off loans is a good start to building credit, b/c you are paying back a bank usually. If I were you I%26#039;d try out the credit cards that they send you... there should be an invitation code on it somewhere where you can get online and type that code in when you apply for it. If you have that code when you apply you%26#039;ll more than likely get approved and you%26#039;ll probaly get like a $300-$400 credit limit, unless you already have bad credit. But if you continue to pay on time they will raise that limit, just don%26#039;t be tempted to spend that amount. Also you have to watch out b/c having too many people look at your credit counts against you. I found that out when I was applying for a credit card. If you do get approved for a credit card though, I%26#039;d only use it for maybe going out one night a month. If you do this for about 6 months, you should have good credit. But remember to always pay your credit card bill on time b/c if wait and pay it off in a couple payments thats where they get with the high interest rate. Hope that helps a little! Well good luck with everything!|||I secured credit through a grant. The government gives out billions of dollars every year to regular people just like you and me. Many people dont know about this because the govt doesnt advertise much. There are all kinds of grants for all kinds of situations. The good thing about a grant is that it never has to be repaid. Searching for a grant can be overwhelming and time consuming. Most people dont know where or how to apply for one. However, I got help from a site that helped me secure cash. Its called grantdiscovery.net They found grants that were available to me and told me where and how to apply for them. They were extremely helpful and friedndly. It really worked out for me so I thought its my duty to pass on the info.|||Try Orchard Bank. They can set you up with a secured card or approve you for a MasterCard with a low limit. Either one will help get you established. Do not keep applying for those prepared cards that you receive in the mail. Every inquiry drops your credit score.

I am trying to pay off my credit card which is in collections its over 4,000?

I called the company and they said that they only way i could start to make payments is by first paying 1,259 by the end of themonth which is in 2 two weeks if i don%26#039;t they are threstning to sue why sue when i made them an offer of 300 per month

I am trying to pay off my credit card which is in collections its over 4,000?student loan consolidation

They cannot sue you. However, they can take you to court and have a judgement placed against you for the amount of the debt. You have the right to attend this court hearing. If they do actually take you to court, make sure that you tell the judge you offered to make reasonable payments of $300 a month which they did not accept. You%26#039;ll want to keep a log of all your conversations, including date, time and who you spoke too. If a judgement is entered against you, and a payment plan is not put in place by the judge, they can than file a motion to garnish your wages, freeze your checking account, assets, etc. If you own a home, the judgement can become a lien against the property that must be paid if you refinance or sell.

They can choose to charge whatever amount they%26#039;d like to start a payment plan with you personally as long as the amount is applied to the balance of the debt. The only thing you really can do at this point is stay calm, and reiterate to them that you can%26#039;t afford to pay that amount, but you can afford to pay $300 a month towards the debt. Eventually they may take the offer.

I am trying to pay off my credit card which is in collections its over 4,000?

loan

they won%26#039;t do anything. first, if the $4,000 isnt a settlement, negotiate a settlement amount. most of it is probably fees and finance charges. See how low they will settle for. if you offer them a payment amount they will take it. offer them what you feel comfortable paying, because if they file a judgement against you, all thats going to happen is a court mediation to work out a payment arrangement. don%26#039;t let them tell you what to pay, tell them what you are going to pay and let them figure it out.|||Well dont be afraid of them threatening you. They are just playing the scare tactic. They want to get whatever they want out of you. For them that is not a large amount of money but every penny counts so they will get whatever they can. Call them and tell them what you will pay or if you dont want to talk to them just send what you can. Either way what are they going to do in court? They will only get what you can afford in payments. 1,259 by the end of the month is ridiculous and they should not ask for an unreasonable amount within two weeks. You know if they did that in court the judge would frown upon them for being unreasonable anyways.|||Get a bank loan and pay the whole amount that you owe them. The rates on bank loans are a heck of a lot lower than credit cards. If you don%26#039;t have enough equity for a loan, then ask a family member or friend to co-sign a loan. Good luck!!|||FROM EXPERIENCE.... tell them when they will accept 60% of that amount that they need to STOP calling you.... give them a couple of days and they%26#039;ll accept. They are threatening you because that%26#039;s what they do to get as much as they can to get a bonus out of it. If you fall for it, they win, if you threaten them back they know you know the game.... ( I know someone who used to be on that side of the threats so I know how they work) it%26#039;s called a bluff. When it%26#039;s in collections settle for half or go for the 60%, almost always it works.... and that amount will be DONE!|||Ari? They cant sue him but they can take him to court and have a judgment placed??? How do you get a judgment without a lawsuit??

They sue, they win and than they are granted their judgment. Cant have a judgment without a lawsuit...unless of course you sign a stipulation and its entered by defualt.

Moving, will they do it? Sure why not? If they want, they can sue you for any amount. If the balance is low...they can sue you in small claims. If they want.

Do they want? Why not? Collection attorneys work on a contingency basis...meaning they dont get paid till the bill collector gets paid. If the bill collector doesnt get paid than the attorney never gets paid. So what exactly does the bill collector have to lose?

As far as costs for court...well they rate anywhere from 250.00-500.00 depending on the court and location. No big deal. Besides, those costs will be added to the judgment with interest for you to pay back. Again they have nothing to lose.

Do they have to accept your payment plan? No. There is no law that enforces a bill collector to accept ANY payment plan you throw at them. They can take your payment, post it and still sue you. If he wants to be an a$$hole about it, he has the right to demand payment in full.

What can you do? Bill Collectors can not threaten you that they are going to sue you and not do it. They cant lie about it. It is in violation of the Fair Debts Collection Practices Acts (FDCPA). If he is telling you he is going to sue you than he probably is...thats not to say that some bill collectors wont commit violations, there are plenty that do and plenty that dont. So if you want to call it a bluff...just remember there is a big chance its not.

Tell them to stop calling you?? If someone tells me to stop calling them... I will stop right away. But I will have them served within the week. I will sue him and it will cost him more than it would have if he just finished the deal with me. A deal that we both agreed on. Negotiation is the key but dont try and give them an ultimatum. I dont mind negotiating with anyone but if I ever get an ultimatum I pull the trigger and boom...theres a knock on their door..Oops here comes the process server with a subpoena to appear in court.

If your hearing as this interest crap...Im sure there was some type of interest agreement in your terms and conditions. They will add the interest as agreed on and the court will 99.9% award it to them.

If people are telling you to dispute it and I seen this many times...and the debt is valid...you dispute a valid debt he will sue you for sure and validate it for you in court. Dont push him to pull the trigger. Only dispute things that are not valid.

First, google the FDCPA and read up on your rights, educate yourself so that you can stand up for yourself and know what you are dealing with. Next, call them closer to the end of the month when they are trying to close books and make numbers look pretty and offer them to settle for a less amount. Start by offering 40% and they consider it paid in full. Tell them that you are having financial hardships...dont push it or lie too much cause they have means of finding out that will take them about 3 minutes to do it. They will probably work you up a little to settle for a higher amount...but dont let them work you up too much. Sound %26quot;firm but honest%26quot;. Dont let him push you around but dont piss him off either. Make one bulk settlement payment and close out.

If your going to settle dont give them any information or money unless you get in writing that they agree to close your account as settled in full for the amount of money you agreed on.

Otherwise, try your payment plan and figure out if he was using a %26quot;scare tactic%26quot; like the other guy said.

Heard of %26quot;stall tactic%26quot; but in the many many years of being in this business I never heard of a %26quot;scare tactic%26quot;. Bill collectors just call it %26quot;Bull $hitting%26quot;.

Dont ever assume that %26quot;they cant%26quot; or %26quot;they wont%26quot; or you have rights and laws that protects you.

Of course there is recourse! There is a reason why they are in business and generating millions, if not billions a year. They have rights as well and there are laws that protect them and laws that provide them with remedies to resolve situations such as the one your in now.

If you have any questions...email me and I will be happy to help you out to the best of my abilities.

Good Luck|||Check out the free evaluation form at the source website; they can help.

I am settling a debt with a credit card company. How do i avoid a 1099-C.?

The collection agency sent me a settlement offer. Can i add any language in my response to avoid a 1099-C.

I was thinking of saying %26quot;apply to principle first%26quot; or %26quot;this is payment of a contested liability.%26quot;

appreciate any response.

I am settling a debt with a credit card company. How do i avoid a 1099-C.?small business loans

If you pay less than the full amount owed, there is no way of avoiding a 1099-C that I know of.

What kind of birthday reward does a Victoria's Secret credit card holder get?

I just had my birthday and I recently got a coupon from them in the mail for a free cotton panty and $10 off any full priced bra.

I was wondering if this was supposed to be my birthday reward or was this a promotional offer that they sent everybody?

What kind of birthday reward does a Victoria%26#039;s Secret credit card holder get?bank loan

nope they send u a $10 off any thing in the store most of the time its a hot pink colored card

Which companies that allow a website to accept credit card payments have a good reputation?

I want to allow visa, mastercard etc on my website. There seem to be lots of companies offering such services. I%26#039;m looking for a good company. Thanks.

Which companies that allow a website to accept credit card payments have a good reputation?loan officer

There are a zillion companies offering merchant processing out there.. many games and confusing rates.

There are many good choices out there, but remember you are actually contracting with a bank, with the merchant company only acting as an agent.

The best Merchant Bank Agent Office will be one that has:

1. Dedicated rep that is assigned to your account .. not %26quot;pot luck%26quot; at the end of an 800 number.

2. A rep and a Merchant Bank that understand ecommerce. Your local bank is not the choice.

3. Competetive discount rate for MC/VISA .. Why pay 2.49% for Qualified Rate when you can get 2.15% with no gimmicks?

4. Low rate ads are most likely teasers listing a pin debit rate, which don%26#039;t apply to the rest of the account.

5. What are the mid-qualified and non qualified rate tiers? Industry norm is nearly 5% for cards that don%26#039;t meet %26quot;qualified%26quot; rate tier .... You can get 3.75%

I could go on and on... this is my particular niche with some great banks and you are certainly welcome to contact me.

To answer your question directly .. seek a relationship with:

JP Morgan Chase entities (Many) ..

Avoid CardService or other mass marketed merchant account solutions.

======================================...

Edit - You did not mention your volume, or what you wanted a merchant account for. Both of those are very important. Also, how much is the average charge? A large %26quot;Average Ticket%26quot; can cause addition qualification requirements.

The other poster mentioning Paypal as an alternative is correct. If you are going to do less than $5K monthly, you will save only a little over paypal, however paypal gets nervous too with large charges , and you are paying up to 3%

Which companies that allow a website to accept credit card payments have a good reputation?

loan

There are many, but PayPal offers the best services that I have experienced. It%26#039;s free to join as well, so that%26#039;s always a huge benefit.