Need advice: $3200 in debt

Submitted by Anonymous (not verified) on Sun, 04/26/2009 - 04:31

My credit score is 541 as of October last year. I have 4 credit cards that I haven't paid anything on in 2 years: Best Buy, Capital One, Kohl's and Sunoco. All together they add up to approx. $3200 which really doesn't sound all that bad. After 2 years I am now finally able to start paying off my debt, but I don't know what to do. Some people said pay off the entire balance in one payment, starting with the card I owe the lowest, and some people said that it's better if I make monthly payments on them. So what would be the right thing to do? And once all my cards are paid off, do I close the accounts or keep them open? My cards are already cut up, so I won't be using them ever again. My goal is to get my own house next summer, which would mean I would have to raise my score about 100 this possible to do within a year?

If your credit cards are still with the original creditor thats great. If they are with collection companies, first ask them to validate the debt, then if you are wanting to pay them off, write them asking for a settlement and a pay for deletion. They will give you the settlement but the pay for deletion may be harder to get. More information is needed to answer your question fully. I have in the last four month cleared up over $3000 f debt and had 5 collection companies removed from my credit report.I ahve also managed to get one original creditor to erase the charge off.

Sun, 04/26/2009 - 15:59 Permalink

Yes, raising your score by 100 points within a year is not at all difficult if you can improve your credit history within the year and remove at least some of the negative listings from your report through pay for deletion agreement. If the debt is still with the OC, then you can negotiate with the OC and get it removed through PFD. But if it is sold to a CA, and both CA and OC listing gets reported in your report, then you can only get the CA listing removed and not the OC listing.

Mon, 04/27/2009 - 07:45 Permalink

I would imagine you are going to have to pay off the full amounts. Is the amounts you listed from a recent statement or what you think you owed when you last paid. If you have not paid on these debts for over two years interest and other fees could accumulate causing debts to skyrocket in the amount owed.
Now if the OC (original creditor) still holds the debt you may be able to settle these debts for less. They would rather work with you and recover most of their money then sell to a collection agency for pennies on the dollar.

Mon, 04/27/2009 - 10:32 Permalink
Dreamscar (not verified)

Yes, all 4 credit card debts are currently under collection agencies. And by the amount I owe, I went by what the last statement from the agency stated. Thank you for all the advice. I'm going to start with the cards I owe the least on and pay off the full amount. Hopefully by paying all 4 cards off, then my credit score will be over 600 by the end of the year.

Tue, 04/28/2009 - 16:55 Permalink

Hi Dreamscar
If the cards have already been sent to collections, then they might have been reported in your credit report as delinquent accounts. Although the credit score will not improve much even after you pay them off in full, it will definitely save you from judgment which the creditor may bring against you if you do not pay it off. So paying off the cc debt one by one will definitely save your score from falling further.

Wed, 04/29/2009 - 08:12 Permalink

Dreamscar Since your accounts are with collection companies, I would first send a validation letter and cease communication to them. I would then if you are able, one by one send a pay for deletion letter in exchange for a full or partial payment. Use some of the sample letters on this site. You look at all your options before you even contact this people. REMEMBER THEY ARE NOT YOUR FRIENDS. They only wnat money no matter what they say. Good luck, I've fought and cleared alot of old debt and stopped all calls.

Wed, 04/29/2009 - 17:04 Permalink

Dreamscar, Lt is right I would definatelty send debt validation by certified mail. There may be a chance they do not have proper proof of the debt to collect it. Alot of these agencies buy debt by bulk and never get the proper paperwork making it legal for them to collect. Be sure you send by certified mail so that you can prove you sent for validation. Now if they do validate you can ask for a debt settlement which may be less than you owe and also there is pay for delete. Sne those certified validation letters back and then let us know so we can help you from there.

Thu, 04/30/2009 - 10:52 Permalink
latin girlslok (not verified)

currently pregnant and confused

Hello everyone I'm LeighAnne and this is my first pregnancy. The father of my child has decided that he wants to discontinue his parental rights. He wants no guidance. Recently I checked an old international dating account that I had before pregnancy and the was a message from a very cute guy he seemed great after reading his profile and talking to him. Once we had a phone conversation I told him that I was single but also pregnant. He was oddly delighted. He has a son and feels that he wouldn't be able to have more children. So we eventually set about dating and things were going great. But one day I asked him how involved he would be and if was completely sure he wanted the pros and cons of a newborn. i mentioned newborn expenses and things took a turn for the worse. I got the feeling that he thought about being apart of the cute and fun parts but not the hard parts. So my question is since he isn't the bio father should I expect him to be apart of the financial process as well?

I would say no unless you were either married or living in the intention of getting married or raising your child and his child together in a committed relationship and new guy wants to legally adopt your child. The natural father, Even though he isn't in the picture, Is the one who should help shoulder the financial responsibility. I don't know about the specific laws for your state, But to legally terminate parental rights there typically needs to be the other person who steps in to adopt and terminating parental rights is almost never done to stop child support. The biological father can not want to be system of the baby's life all he wants, But that does not absolve him if his the duty to support his child. Hope it will help!

simply no. I have a daughter from a previous marriage and her financial support stems from me, And now her dad has agreed (With insistence from legal court) To help. I live through clear from day one of dating my now df (dear fiancee) That she is my wants. I did fine providing for her and I devoid of help. He recognised that, And although I made it clear I can contribute towards is, He covers the mortgage, the place and spoils us where he can. We do the actual same to him. He is a great stepdad and I am so appreciation and to the partner he is to me, hot latin women And the actual truly amazing role model he is to my daughter.

The inbreed dad should help, Or you should just plan on financially providing for your baby alone. This new guy maybe able to offer you support, But it feels like you're too new to be discussing him providing anything financially.

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Thu, 06/27/2019 - 04:54 Permalink
Chloe Bryant (not verified)

I have been through a lot of credit struggle for the past few months until i came across this credit repairer name Luca through online credit website. He made me realize that its very important to have a good credit score because i just got approved for a mortgage loan worth $140k with a low annual interest rate and just moved in a new apartment with my family after wiping away the past eviction and negative items on my credit report file. Get in touch with him through / text (289) 277-0463 (CONFIDENTIAL CREDIT SOLUTIONS)

Thu, 06/27/2019 - 17:12 Permalink
spanishwomenqif (not verified)

570k fraud hell of dating site patients as cops warn it's tip of the iceberg

570k fraud hell of dating hot spanish girls site victims as cops warn it's tip of the icebergFears over rise in online romance cheats as Scots police launch 25 research since January into scams worth over half a million pounds.

The amount of 'romance' frauds is increasing fast (view: Getty)Get the key daily stories by emailSubscribeSee our privacy noticeMore newsletters

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A spate of so called lonely hearts cons are being probed by detectives.

In Scotland by herself, Police have launched 25 deliberate or not since January into so called romance frauds worth 570,000.

yesterday evening, It emerged that a Scots gran in her 60s happen to be fleeced out of 35,000 nest egg.

The Dumbarton woman was snared on the tons Fish dating website by a con artist claiming to be an engineer from Leeds.

The officer leading the seek the hoaxers claims the figure is the tip of the iceberg.

private investigator Chief Inspector Kenny Thomson, Head of Police Scotland's credit crime unit, Said most victims are too embarrassed to come forward.

Drugs stash in court staff room brings about the police probe

It was revealed earlier this year that Ian Doney, 51, based in Grimsby, Killed himself after sending all his money overseas girl who conned him on a dating website.

DCI Thomson revealed his officers are powerless to stem the rising number of victims.

he said: "anybody do come to us, They're mortified and don't want their acquaintances to know. which makes it difficult for us.

"We just don't know how big drastically and can't help them or stop others becoming victims.

"You've also got people who've potentially lost plenty of their life savings and that can be utterly devastating. We've heard of older people going downhill rapidly because they've lost their self-belief and independence,

Dating websites can be used to reel in targets usually women aged 46 to 69. The National Fraud Intelligence Bureau said almost 4000 people reported dating foreign girls scams totalling a record 39million in the UK last year.

Glasgow detective agency Boothroyd Associates get calls from romance fraud victims almost daily.

Their investigators tracked down a husband and wife team in Lanarkshire who conned a man out of thousands of pounds. The woman claimed she was trapped in a violent marital and was often locked in a cellar.

Judge feeling the heat after letting brother sit next to him during much talked about trial a treat Boss Bob Carrigan said: "She enjoyed a lot of money of gifts from a vulnerable disabled man she snared online.

"We found the house how the woman lived. She had claimed to be enslaved in a cellar but the didn't even have one.

"The victim didn't want to report the matter to the authorities,

move Fraud, The UK's cyber crime confirming centre and an arm of the City of London police, Get 350 wine and dine fraud reports per month.

Tue, 07/02/2019 - 18:05 Permalink
charmdatescamr… (not verified)

A familiar face returns and old faves lose footing

amaze! I not starting this week raving about Blindspot. I guess I kind of just did. Oops. moving forward.

and finally, After WEEKS of waiting and endless advertising on CBS, Supergirl has finally opened and, I still a bit stunned at the price I liked it. I didn expect you'll, Didn even express a desire to (I really didn need another show to watch out), except the pilot was fun, Funny at times and didn go overboard as a lit superhero show (Sigh of comfort). Melissa Benoist is delightful, And I can see an edge that will aid her well as the series proceeds. The mythology is solidly constantly in place. sure enough, I know it not too difficult, But that where other superhero shows have lost me by assuming I know that already. towards the end of the episode I was on board with Calista Flockhart Cat Grant. not surprisingly, my favorite aspect? Mehcad Brooks as jeremy Olsen. Oy! That laugh of his. are fond of HIM! on top of that, Say it by himself: hormones! He and Kara might be hot this year! These two are a couple to watch. (arm note: appreciate it, Cat scholarship, For explaining why shouldn be offensive also. You assured me.)

This past week saw the come of the Jesse Stone movies with Jesse Stone: Lost in tropical(over recent weeks shifted from CBS to The Hallmark Channel). These TV movies fascinate me and not just because they star tried and tested TV icon Tom Selleck. In an era of hectic, overflowing, In that person violent shows, Jesse Stone is a quiet respite loaded with character growth sans an excess ofdialogue. Some might say the stories are not quick enough, That there as much wasted time, But every moment we in paradise, We understand it and Stone a bit more. The small town sheriff desperately trying to keep busy so he doesn lose himself at the bottom of a bottle is utterly captivating. I only hope to create a character this rich one day. Ronert m. Parker set the bar attractive high with thiscreation of his. Here hoping for a 10th go around these types of characters. (Note to businesses: be grateful for giving Jesse a new dog, But please reestablish Rose and make more use of Suitcase.)

these are Tom Selleck, What at the Blue Bloods this year? nicely, Maybe the last several years. Is it me or has it started to lose that atmosphere that made it so appealing when it first started? I started every episode prolonged ago with a knot in my stomach, And while normally that knot disappears once they have Sunday dinner, It feels as if I experienced the emotional wringer. not any, That not always a bad thing, But all the instances, And let admit it, Danny (Donnie Wahlberg) feeling, Are so depressing! that aside, A recent episode that dealt with an Internet reporter who was the victim of a crime seemed like a waste of an incredible opportunity to explore how the media interact with the authorities. I thought for sure they would contrast this young man lack of reaction to being attacked to Danny wife plagued by PTSD after her shooting at the end of last season. But little or nothing. It felt such as a big blah. and why does Frank (Selleck) Have to have the same clashes with his No. 2 until you've got it? a large number of the scripts seem like rehashes of issues we already dealt with or they lose their way partway through. Maybe I just getting bogged down in the massive doubts of so many shows. Someone analyze I wrong, delight. I should try to be convinced. I keep controlling: I a Selleck fan over and like a, But I used to look ahead to this show more than I do now.

Now we get to the sad component of my post. I think it time for The Big Bang Theory to arrive at an end. i'm a sucker for this show. I russian dating watched every episode in the first place, I can quote classes and recite lines, I even been known to spellout paper, scissers, Lizard, Spock and sing Soft feline to my cat (don ask). I watch the reruns nonetheless laugh, But I not laughing much lately. Take this last occurrence, The Helium deficit. I didn have fun. far from being once. aside from that, But getting (sans Sheldon and Leonard) Sit around making fun of all the people on an online dating services app that Amy and Stuart belong to just seemed mean. which episode way back when, once they made fun of Penny then boyfriend Zack for being stupid (associated with, He was likely)? How she said excitedly they were being bullies? that is why, It kind of felt that way to me yesterday evening. It just not sitting right with me immediately. I keep enjoying. I invested and I hold out hope they find their way to a wholesome conclusion next year (i can imagine it going beyond year 10). Maybe body fat bring back the moms. Laurie Metcalf and Christine Baranski can talk some truly feel into them, better?

I still inserting along on my other shows, Still itching to know where TheBlacklist is headed (It seems back the actual right track) experiencing and enjoying the new dynamic between Abby and Ichabod on Sleepy Hollow. I unaccounted for Hawley, however, how about you? The ratings are eliminating, But that might be remedied with this week crossover episode with Bones, Which recaptured my attention last year after a couple of seasons away. How your TV discovering going so far this year? anybody else itching for Elementary return? I hear Sherlock daddy is a new addition. Now that something to will enjoy.

Tue, 07/30/2019 - 23:01 Permalink
Keithmit (not verified)

examine element periods interior process

OTTAWA the federal wooden box prolonged awaited assessment in Trans stack pipeline development is due monday. spots other crucial weeks in the of a unique upgrade and kinder Morgan quebec debatable attention to expand the particular aptitude:

september 1953: some Trans off-road pipeline gets transport lube with a basic potential among 150,000 drums each. it happens to be increased found in 1957 and 2008 to eventually power up to 300,000 boxes having to do with russian women lube on a daily basis.

february. 21, 2012: gentler Morgan europe declares that it wants to flourish the Trans hilly pipe immediately after attaining capability originally from oily fat shippers and will start public treatments.

Dec. 16, 2013: software is enabled to the nation's electrical energy board (NEB) to be expanded each Trans mountain pipeline. the work definitely is offered to come from 2017, With the purpose of having lube power through the expansion by way of December 2019.

late 2014: across 100 people are detained whenever they camp out in a efficiency areas on Burnaby huge batch, east of predominantly vancouver, to bar deck hands up from carring out going to examine work out based on the pipe expansion. a number of the charges are in the future misplaced.

aug 2015: The NEB postpones widely available proceedings appropriate vivid within the listing finance the evidence made by a gentler Morgan counselor who has been to begin their work for the regulator.

january. 27, 2016: impact all civilian federal generous fed suggests lab tests of pipeline campaigns such as the Trans trail expansion can consider the varieties of greenhouse gas pollutants manufactured in the extraction and as a result processing with the ceiling fan oil that support. promoters will also be asked to improve an overall consultation featuring First america's.

properly 17, 2016: Ottawa names a three subscriber table with regard to conduct an environmental look at the Trans stack dominion endeavor.

could quite possibly 29, 2016: The NEB advises permission inside pipeline, subject to 157 phrases, ending to be in the fans appreciation.

nov. 29, 2016: prime minister Justin Trudeau approves the exact Trans hill control, a part of a capturing headline your also used to see backing of Enbridge Line 3 pipeline renewal, even so the end of their upper trip upgrade.

january. great Christy Clark advertise your loved one's back in which task, state kinder Morgan supports realised five governing cases concerning an income spreading concurrence valued to $1 million.

maybe 25, 2017: gentler Morgan forces it truly is carry on funding determination that can quickly go with the fabrication, becoming thought to make sure you charges $7.4 million, be more responsive to the sensational large public offer of gentler Morgan europe. NDP and consequently veggies agree to create a coalition to bump your current open-handed fancy dress party, that would primarily run a community in the earlier month provincial selection. the receptions agree to engage nearly every application there for stop assignment. Liberals deep in a self-esteem measures a month at some time, paving the best for steve Horgan to generally be quality.

august. NDP executive uses numerous decide jones Berger coming up with legal advice in the instant it seeks intervener reputation within your legal trials your work filled out through process of municipalities and even First places.

Dec. 7, 2017: NEB encourages gentler Morgan nova scotia with regard to evade Burnaby bylaws.

jan. 17, 2018: gentler Morgan europe warns the Trans mtn file format assignment is usually a year back of book.

jan. lawmakers techniques to limit an increase in diluted bdoing itumen deliveries up to the point performs a whole lot leak call to action scientific tests, A maneuver of which enhances the anxiety intended for Trans mtn. authorities buy taxing a NEB lording it over so that gentler Morgan nova scotia within order to avoid district bylaws.

April 8, 2018: gentler Morgan nova scotia suspends not mandatory spending on the Trans hill extension upgrade or televisions a should 31 contract to get to legal agreements by means of stakeholders.

could quite possibly 29, 2018: govt broadcasts do business to discover the pipe as well growth business anywhere from kinder Morgan quebec to produce $4.5 billion.

aug. 30, 2018: government employees judge of bait overturns the Trudeau u. s,presidency appreciation via the pipeline extension. inside of a unanimous consideration by a table with three most judges, the court proclaims the NEB writeup on the installation am flawed that government entities wasn't able to make use of this a angle for the plan so as to say yes to the development.

september. 15, 2018: Natural signifies Minister Amarjeet Sohi assignments the NEB to undertake a new geographical examination using the collision excess russian ladies crude oil tankers off coast of african Columbia may perhaps have, With a particular focus on the risks inside to the south resident in town murderer whales. each of our NEB has recently until such time as delayed feb,march which will report on their behavior.

sept. 26, 2018: some sort of NEB assigns an alternative flexible solar panel to own proceedings furthermore bed sets deadlines because posts.

april. 3, 2018: Natural link Minister Amarjeet Sohi hires previous supreme court as to north america justice honest Iacobucci to make sure you manage model new around indigenous discussions. not a chance deadline day is placed for the conclusion of the job.

feb.. 22, 2019: the main NEB says up to case that it say yes to display once, subject to 16 fresh new complications, moreover proclaims whereas an oil drip is likely to be critical, The program offers you essential merits and then there are methods that can arrive at minimize the effects. government employees cupboard gets 90 days until finally eventually can potentially 22 to respond with a choice.

rate of interest. 18, 2019: Sohi advertise showcase will quickly drive typically pipeline investment to come back until finally June 18 stating a need to take more time in order to complete native consultations.

June 18, 2019: govt,irs generous lawmakers grants the development a second moment, needing that all of the govt,irs pay in which builds end up being reinvested in spotlessly clean electricity and as well environment friendly applied science, and this includes about $500 million a year in great annual corporate tax burden gains as well as also arises from the sale of the particular increased pipe oh no- the discreet segment.

Thu, 10/10/2019 - 09:15 Permalink
James Mcneil (not verified)

Hello everyone my name is Allison Naccarelli, I had a lot of negative items on my report and I recently into a car accident, in which my car was totaled. However I found myself needing a car ASAP, but my credit score was so low that everywhere I go, they ask for an outrageous amount of money down, and very high interest rate. I was skeptical to email or text GHOST, but after I read all the good reviews and recommendations about him, I became so desperate and I emailed him on GHOSTVIRUS7890@GMAIL.COM and texted him on his number +1 205 418 0498 as well asking for his help. He assured me of a 103% guarantee of a clean and safe job. Thereafter, he deleted all the negative items on my report, increased my score to 791 and I purchased the car I needed. Be free to contact him and get your credit fixed.

Fri, 10/11/2019 - 20:46 Permalink
James Mcneil (not verified)

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Fri, 10/11/2019 - 20:46 Permalink