Bad credit gone Good: Your complete guide to credit scores, credit reports, debt, dodgy credit repair companies and managing your finances while still being the human behind the numbers

If you have serious financial problems or your simply not happy with the interest rates being offered to you by lenders then you need to know that YOU ARE BEING WATCHED. Every financial move you make is being recorded. Your purchasing habits, how and when you pay your bills, every slip up, EVERYTHING! If your like most people then you probably have no idea what information is being recorded about you or even who is recording it much less how the system that decided that you deserve a low cred

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Question by gvsnowbird: Legal question on debt collecting?
I asked a question a few days ago but need to be more specific to get the answer.
I loaned a friend over $ 50k for law school 3years ago.. I ended the relationship.Last year he very reluctantly gave me a promissory note for the debt.
There are no terms on it (interest, payment plan,) he only wrote the amount of the debt and a statement that his mother would pay if he did not. They signed the note.
He has a job with a prominent law firm in Toronto and has been making a good salary.He has made no effort to make a payment. His mother, however, did send one payment.
A friend of mine in Ontario told me that the law requires that I send a written notification to him about the debt on a regular basis or else he could claim that the debt is not owed.
My questions: what steps do I need to take to ensure that he can not use the legal system to get out of paying…do I need to send a written notice monthly or yearly? What specific language should I use in the letter?Can I demand interest?

Best answer:

Answer by A W
Well, if you have a promissory note from him, he has acknowledged that he owes you the money. Sue him for it… He probably thinks you won’t sue and just forget about it, but you won’t… sue him, get a judgment, garnish his wages, seize his bank account, take his personal property, whatever it takes to get your money back.

It’s hard to collect money from people, but you can do it with a little effort on your part. 50 grand is a lot of dough!

No written notice is necessary… Interest, I don’t think so, unless it was previously agreed upon, but you may get a sympathetic judge… Shoot for it and then take what you get.

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Getting Control The Complete Guide to getting yourself out of Horrible Debt

Program, guide, stories, inspiration on an easyway to getting out of debt. information on how to get grants, free money and starting businesses.

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Question by ehtwozed: Whats the best way to get out of debt?
I’m currently trying to get myself debt free. I have some options but would like your suggestions.

1. I tried to get a consulidation loan from my bank but was denied because of lack of assissts

2. Focus on 1 bill at a time. Once that bill is paid off, move on and start to pay off another bill.

3. Your suggestion……

I’m expecting it to be a little bit of a process 3-4 years before i’m debt free. So, any suggestions would help. Thanks for your time, have a great day!!!!

Best answer:

Answer by Mike D
First you have to get on a budget and live on less than you make. The only way to get out of debt is to stop adding to it. Then get an emergency fund of $ 1000 together so when life throws problems at you there’s no need to go into debt to fix it. From there yes focus on one bill at a time. Pay minimum payments on all bills except one then throw every extra dollar at that bill, then move on to the next one. Dave Ramsey suggests the “debt snowball” method where you list debts smallest to largest and start by paying off the little one. That way you can see the progress you’re making.

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question of NicsandScotch : Can a collector to collect a debt that is 12 years old and had a co-signer with? If they go after the co-signer?
I had co-signed a loan for a truck and my friends parents for me and him. My boyfriend and I broke down and he took the truck. The bank contacted me to pay the debt and I told them to go after the co-signer, like your son has the car. Never heard back from the bank. That was 12 years old. Today I received a letter from a portfolio management claims they bought the account from the TD Bank. Cause I had no memory of it was sooo old, and they could not tell me about it either. Today they call me and tell me it was a loan. I told them I had a co-signer and they should go after them and plus the debt is 12 years old. They threatened to call me everyday Best Answer.

response from Max
Send them want a letter stating that they cease and desist all efforts collection. The next time they call you, unless you held them, collect them for violation of the FDCPA can sue erzählen.Die debt ratio is the statue of limitations, which is usually 6 or 7 years depending on the state of the last payment made on the account geführt.Check www.creditnet.com out for some more information, including a form letter you can send them to keep them work again.

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Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt)

The Author: I know what it’s like to have excessive credit card debt. In fact, I know the stress of having 0000 of debt. This is the main reason I wrote Zero Debt – to give people a debt of a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you re drowning in debt, I invite you to get a copy of Zero Debt to learn how to quickly eliminate the debt and concentrate on the road to financial freedom. Don t delay: start dumping your debt

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in Hard Times: 10 secret strategies to make you rich in an up or down the economy

In quick profits in hard times, Jordan Goodman provides a wealth of tips to 5 minutes to earn extra income the easy way, without unnecessary risk or extra steps. Learn about: -100 stocks that offer free bonuses if you reinvest their dividends-how to take advantage of dividend reinvestment plans (dividend reinvestment) quickly and safely tax liens, which can provide interest without 25% chance of stock-options trading and how it can be, contrary to popular belief, very low risk with the knowledge and

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Debt for Sale: A Social History of the Credit Trap

Credit and debt appear to be natural, permanent facets of Americans’ lives, but a debt-based economy and debt-financed lifestyles are actually recent inventions. In 1951 Diners Club issued a plastic card that enabled patrons to pay for their meals at select New York City restaurants at the end of each month. Soon other “charge cards” (as they were then known) offered the convenience for travelers throughout the United States to pay for hotels, food, and entertainment on credit. In the 1970s the

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issue of Go Leafs Go : Live at Home with Mom & Dad, or Move Out But in Debt ?
I’m 18, I am studying in my first year of post-secondary. I currently live at home and have a great job part-time job, that full-time during summer vacation, and, if I save time outside the Schule.Ich enough money to completely pay for my tuition fees, textbooks, traffic and money I need for a social life, the only thing I need from my parents is a place to sleep, and a 1 or 2 meals per day. I pay my own phone and Internet access, and do all my own work. I guess continue with my work, I can out of school completely debt free, and then move out and be off to a good Start.Doch I was really narrowed at home. Curfews, when I have to be at home to keep, not alcohol. cigerette, or anything else around so can not run around naked …. his cramps really take off my student loans and some I Stil.Sollte and live on campus in a dorm (about 4 large for 2 semester and pay foodelectricity for my own, or should I just keep it in the next 4 years? Any ? ideas Best Answer:

answer by Phillip D
try to absorb it and stay. have as bad as you might want to leave if you do, you will not want you to write to review the rent every month and the extra money you could do whatever you keep or when to take off at last! The thing is on the campus when the semester about you to return home or elsewhere, and you wasted the money. If you get a flat, you have to look at rent and utility companies if it is not included. I made that mistake and thought I could afford it, and put me in a bind to pay all my bills. I do not want stress, and finish college, while your parents still stay where you free so that you are not required with all this debt!

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The Road Out of Debt: Bankruptcy and Other Solutions to Your Financial Problems

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A practical guide to getting out of debt and understanding the option of personal bankruptcy The current credit and financial crises have prompted Joan Feeney, a preeminent Massachusetts Bankruptcy Judge, and Theodore Connolly, a Finance and Bankruptcy Attorney, to write a book that will help people handle their financial troubles. The Road Out of Debt seeks to assist those considering bankruptcy by demystifying the bankruptcy process and explaining what you can expect to gain (or lose) from

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The Future of Consumer Credit Regulation (Markets and the Law)

Effective regulation of consumer credit in modern society is an ever-changing challenge. As new forms of credit emerge in free societies, regulation often lags behind. This volume explores contemporary problems related to the regulation of consumer credit in market economies with a focus on credit extended to the most vulnerable and poorest members of the community. Written by experts in the field of consumer credit regulation from Europe, North America, Australia, and South Africa, the book exa

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Question by psalms: my dad advised me to ignore all my credit card/student loan debt?
last night i told my parents i was in $ 13,000 credit card debt, and about another $ 15,000 student loan debt. my job sucks right now and can barely pay. my dad advised me to just ignore everything till they sue me

but I dont really wanna be doing that, not until it comes to last resort and Im out of ideas. but right now, If I work overtime, I am sure I can make $ 2000 per month, and will be able to save about $ 500-$ 700 every month, going towards the payments. and if I keep doing that, a little bit over a year I’d be out of the $ 13,000 credit card hole.

as for the student loan, I think I can live with it for a while, $ 280 per month isnt too stressful just yet. but all i wanna do is get out of the credit card hole right now, and i think i can do that if I work hard i can get rid of it in less than 2 years.

the main reason why i dont wanna just ignore the debt is because I plan on getting a nice apartment one day, i dont wanna be renting basement suites for the rest of my life, and i plan on getting a car someday too.
consolidate how do I do that i cant get any more credit as it is im maxed out

Best answer:

Answer by KaThRyN
consolidate

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