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This is now rumour or BS, we were told this when we filed BK and did our pre-filing credit counselling course.

I just got another letter from a credit card, I think the new term for these companies should be cranksters (creditor-banksters). Anywho, they reduced my limit yet again after never being late nor missing a payment! Now, if the cranksters are systematically chasing us down - reducing the limit each time we make a payment, are they not part of the problem of us having low FICO scores?????? They reward you for being in debt, but not to the max. I assume they figure that if you have multiple cards with very low balances, that the consumer is trying to raise their scores by playing the credit game. When you analyze these things that deal with banks etc. This will help you tremendously in playing the game. Our society is constructed around money, credit, debt and mass consumption.

This is a science and we are the subjects of the experiment.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Now, if the cranksters are systematically chasing us down - reducing the limit each time we make a payment, are they american cash advance not part of the problem of us having low FICO scores?????? They cash advance lenders must have other information that another creditor has shared with them. If so, maybe they were tipped off or can easily find this out. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our I just got another letter from a credit card, I think the new term for these companies should be cranksters (creditor-banksters). Anywho, they reduced my limit yet again after never being late hassle free loans nor american cash advance missing a payment! Now, if the cranksters are systematically chasing us down - reducing the limit each time we make a payment, are they not part of the problem of us having low FICO scores?????? Then I started subscribing to some banking newsletters for the industry and there is FICO sponsoring all sorts of help and white papers for the banking industry to help them zero-in on the best ways to rip us off and target new people.

As with everything in the financial world everyone is all tied up with everyone else. The only creditors that could have tipped them off are the Lender who have been dragging their feet, playing the please resubmit your documents game on three of my rentals. My other properties are not underwater and I am current..... I assume it was your servicer who reported this some way on your credit. It is like an alert to other creditors that you are in american cash advance distress, may day, may day, pull in the lines. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Pookey, thanks for american cash advance sharing your thoughts! I lost my job and my husband took a huge decrease in his income. We had to use credit to keep up with our mortgage payments after being denied a mod for 2 years. I contacted all my creditors, Chase, and Citibank I told them our situation, and asked them to please help us to continue to pay them.

I explained our situation about our job loss and income loss. I had to pay less than the minimum (this is after having perfect credit and never being late for 35 years of marriage). We still have not paid, some have been sold to credit recovery groups pretenting to be attornies on the phone. We eventually got a mod last year after not paying our credit cards for three months. We explained our situation, and the bank listened and gave it to us. We might have to file Chapter 13 and have it stripped away. Your post was heartfelt, I truly understand and know that you are not alone. Unfortunately, creditors and banks cant be nice when someone is losing income and or jobs. The reason being is that they have to become debt recovery agents and get the most amount they can from you. Being nice or reducing rates cost them time and money. More often than not, they would rather sell you account at a loss and move on because in their eyes you are an extreme risk, liability and money losing account. I know this is tough Daglo, but do what is best for you and your husband. Maybe a Chapter 7 is in order if your income is that low.

That way you can just wipe it all out with no payment plans. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of same day personal loans providing legal advice.

Most of the information you find here is easily available on the internet.


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You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our About ten years ago, I used a debt arbitration company called Family Debt Arbitration out of Candia, NH. They did not settle any of my debts, but worked with different credit card companies to reduce interest, remove late fees, and in some cases reduce principal and payments. I had a contract with them online pay day loans and with each credit card company and paid my payments for 5 years directly to FDA and they paid the credit card companies.

All they asked was for a set-up fee and one extra payment at the end. Once I started in the program, everything was brought current.

Since 2007, the LoanSafe forums have helped millions money loans online same day of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

I received some GREAT advice on this forum years ago about my HELOC (which reminds me, I should update that thread) and the advice I got from members like TomEason and yomann was exactly what happened, so THANK YOU to this forum and these members!!! So I want to know what I can expect if I stop paying the minimum payments?

I was thinking of waiting to see what they do first. Also, fast loan can I file for bankruptcy and exclude my wife? She only has 2 accounts in her name (which we could pay off) and all the accounts are mine, with me listed as the primary card holder, although my wife is listed as an authorized user. Planning to default on debt is like planning anything in life. You want to make sure that you cover all the bases so things go somewhat smoothly. When you have as much debt as you do and do not have the income to pay it back, then bankruptcy is almost always the best option to wipe out your debts and start fresh again. A Chapter 13 bankruptcy is essentially a prepayment plan and requires that you make enough income to pay back your creditors over a 5 year period. In my experience, chapter 13 is not the ideal way to go bankrupt because you have to pay them back anyways and make monthly payments. This often will tap you and your finances over a 5 year period and may cause lots of unneeded stress. You can then reestablish credit right away if needed be through prepaid cards and other methods. In regards to the rings and any other personal property of great value, you have to be careful. The cars should be fine because you need them and they are not luxury and or collectors cars. Many states allow you to keep wedding and engagement rings, no matter their value and other states like California put a dollar limit on your wedding ring.


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As an authorized user on your credit accounts, she is not part of the credit contract so she will not be affected in any way by you claiming bankruptcy. Just to be safe, I would remove her as a user before you file. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. If payday loans omaha ne you still operate a business, filing a Chapter 7 may put that business at risk depending upon how it is set up, what assets it has, what debts it has etc. Your income in the 6 month window prior to filing bk determines what chapter you qualify for regardless of what assets you have. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with personal credit loans loan options for bad credit a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. About ten years ago, I used a debt arbitration company called Family Debt Arbitration out of Candia, NH.

They did not settle any of my debts, but worked with different credit card companies to reduce interest, remove late fees, and in some cases reduce principal and payments. I had a contract with them and with each credit card company and paid my payments for 5 years directly to FDA and they paid the credit card companies. All they asked was for a set-up fee and one extra payment at the end. Once I started in the program, everything was brought american cash advance current. Even AMEX has programs - one was a small payment and no interest for 6 months, they may have others now. It is important that people understand the difference between the terms credit counseling , debt settlement aka debt arbitration and debt consolidation as they all have different meanings. Everything else below will describe one of the various ways to consolidate debt A program offered through enrollment with a 501(c) 3 non profit credit counseling agency (like us), is a comprehensive approach that allows the consumer to pay down their unsecured debt with smaller payments, reduced interest rates.