http://www.credit.com/forum/recentTopics/list.page JForum - http://www.jforum.net 1) 7,800 (18% int)
2) 5,200 (1.9% int)
3) 4,900 (15% int)
4) 2,900 (1% int)
5) 2,400 (20% int)

I have about $7000 right now to put toward paying one or some of these off. Any advice? I do not use these anymore and have not for months. Thanks
]]> http://www.credit.com/forum/posts/preList/445/1473.page http://www.credit.com/forum/posts/preList/445/1473.page GMT
The problem I have is that the the lender I am trying to refinance with says that they cannot speculate that I will collect Social Security in 2012. I could decide to wait beyond that time to get a higher amount. Plus they have no way of knowing exactly what I would be receiving.

The lender is telling me that the only way they would approve this loan is to have a satisfactory co-borrower.

I would appreciate your advise and if I need to provide you additional info, I'd be more than willing to do so. Thanks in advance. ]]> http://www.credit.com/forum/posts/preList/444/1472.page http://www.credit.com/forum/posts/preList/444/1472.page GMT
Mike]]> http://www.credit.com/forum/posts/preList/443/1471.page http://www.credit.com/forum/posts/preList/443/1471.page GMT
Thanks,
Joe]]> http://www.credit.com/forum/posts/preList/442/1469.page http://www.credit.com/forum/posts/preList/442/1469.page GMT Have you been repossessed? Are you fighting against a collections agency and worried about repossession? We'd love to hear your side of the story.

Right now, we're doing research for a documentary that will talk about what it's like to deal with collections, the struggles of people in today's economy and what it's like to be repossessed. We're looking for all kinds of private and business related repossessions from cars to medical equipment. If you have a story to tell we'd love to hear about it.

Whether you're angry or struggling with a repossession; whether you've learned a life lesson or just want a megaphone to tell your side; send me an email, please. We'd love to hear what you have to say and learn whatever we can from your experience.

If you live in the tri-state area and would like to participate, please reply to igotrepoed@gmail.com]]> http://www.credit.com/forum/posts/preList/439/1465.page http://www.credit.com/forum/posts/preList/439/1465.page GMT http://www.credit.com/forum/posts/preList/438/1460.page http://www.credit.com/forum/posts/preList/438/1460.page GMT These people have now found a new way to collect money. Please be careful, as they try to make you feel secure in knowing your money is going through the banks, but it is just like sending it via western union..Please use your first gut reaction when dealing with these companies, as it is usually right.
These people are still calling me, and threatening me with legal action for not paying thier fees from all the paper work it took for this, trying any scare tactict to get me to send money. They are saying that they are going to take my home, car, and anything that is in my bank account, if I do not pay these funds.. Don't let anyone bully you into sending money.. I have since contacted the police, and have them dealing with this case.]]> http://www.credit.com/forum/posts/preList/437/1450.page http://www.credit.com/forum/posts/preList/437/1450.page GMT
My only source of income is SSD and disability pay from the bank I worked for many years ago. I am up to my neck in debt and cannot even pay the current bills I have. My current bills exceed my monthly disability income. I also have very little food in the house and I live alone.

In addition, my wife (who I married last year from England) developed breast cancer and right now she is back in England undergoing 3 horrible operations. She had a mastectomy and it cost me a lot of money (when she was in America) and also cost me thousands of dollars trying to get her citizenship in America.

My question is can these credit card companies sue a mental patient whose only source of income is disability pay? Or am I in the category "judgement proof?"

My bankruptcy attorney cound not file a chapter 7 because my home is worth more than my debts. But she said not to worry about the credit cards because they cannot take your house, put you in jail or tap into your checking/savings accounts, and they most definitely cannot touch my disability money. And she said to keep my phone turned OFF (which I do).

This entire situation is going to either give me a heart attack or land me back (permanently) in a mental institution. I wrote several letters to the banks in question and explaned the entire situation. But would you believe that Discover Card is still sending me dozens of "convenience checks" in the mail even 3 months after I stopped paying them? Unbelieveable!!!!

By the way, I live in New York City.


Thanks for taking the time to read this.
Joe ]]> http://www.credit.com/forum/posts/preList/436/1447.page http://www.credit.com/forum/posts/preList/436/1447.page GMT
My only source of income is SSD and disability pay from the bank I worked for many years ago. I am up to my neck in debt and cannot even pay the current bills I have. My current bills exceed my monthly disability income. I also have very little food in the house and I live alone.

In addition, my wife (who I married last year from England) developed breast cancer and right now she is back in England undergoing 3 horrible operations. She had a mastectomy and it cost me a lot of money (when she was in America) and also cost me thousands of dollars trying to get her citizenship in America.

My question is can these credit card companies sue a mental patient whose only source of income is disability pay? Or am I in the category "judgement proof?"

My bankruptcy attorney cound not file a chapter 7 because my home is worth more than my debts. But she said not to worry about the credit cards because they cannot take your house, put you in jail or tap into your checking/savings accounts, and they most definitely cannot touch my disability money. And she said to keep my phone turned OFF (which I do).

This entire situation is going to either give me a heart attack or land me back (permanently) in a mental institution. I wrote several letters to the banks in question and explaned the entire situation. But would you believe that Discover Card is still sending me dozens of "convenience checks" in the mail even 3 months after I stopped paying them? Unbelieveable!!!!

By the way, I live in New York City.


Thanks for taking the time to read this.
Joe ]]> http://www.credit.com/forum/posts/preList/435/1445.page http://www.credit.com/forum/posts/preList/435/1445.page GMT
I guess these are to recoup costs for accounts which are not generating revenue. I have over the past few months begun systematically using each of my cards for various purchases and then paying the cards off each statement so I have made all of them active.

I am wondering though about a low balance fee. Some reports I have heard is that it would be imposed when a balance is below $2,400. That is more than 10% of all but one of my card's limits. The fee supposedly could be up to $50 annually. I'm trying to determine the factors to determine when to just say no and close an account.

How much should I be willing to pay to maintain revolving credit for a good credit score?]]> http://www.credit.com/forum/posts/preList/434/1444.page http://www.credit.com/forum/posts/preList/434/1444.page GMT
I have a monthly Gross income of $3788.

I am wanting to get a personal loan for around 1500 - 2000. I do not want to get a payday loan but a regular loan that i can pay montly payments towards. Primarily to help build my credit and to pay for some car repairs. Most of the loans online lead you to either a pay day loan or after you get thru the entire process they are asking for over $900 dollars to be sent to them in order to secure your loan.

I have been on my job for 9 years and 9 months so i do have the job security to apply for a loan and i have been working on rebuilding my credit by purchasing a car 2 years ago and taking a loan out with United Finance ( United will be payed off in May.)

I cannot go thur American General as they were part of my bankruptcy in 2005.

Any other suggestions would be greatly appreciated.

Thank you
]]> http://www.credit.com/forum/posts/preList/433/1442.page http://www.credit.com/forum/posts/preList/433/1442.page GMT http://www.credit.com/forum/posts/preList/430/1426.page http://www.credit.com/forum/posts/preList/430/1426.page GMT http://www.credit.com/forum/posts/preList/429/1418.page http://www.credit.com/forum/posts/preList/429/1418.page GMT We are unable to access data from our credit bureau partner at this time
Are you having problems?
]]> http://www.credit.com/forum/posts/preList/428/1417.page http://www.credit.com/forum/posts/preList/428/1417.page GMT
And in any case, it seems that I would need to pay the trustee a few $K to be able to the keep the house. It would be far better for me to have a small mortgage on the home as I go through bankruptcy, so the bankruptcy trustee would see the lower equity value and decide that it is not worth selling. I would have no problem paying back the loan after the bankruptcy as I have a nice fat 401K that I plan on tapping after the bankruptcy filing. If I were to tap it before the bankruptcy, I would be basically be adding that to the bankrupcty estate, so I don't want to do that.

My official income for 2008 was all capital gains, and was about $2K, so I could not qualify for any loan based on that, and of course, my credit history is being trashed as I have not made any payments for the last month (ironically, if I had just decided to stop paying my debts 2 months before, I would have another $8K in the bank, and I wouldn't be having any problems now.)

So I am looking for any way to do this. I am not the type of person to impose on friends. I would really like to find some sort of peer to peer lender. Even in my horrible situation, I could probably find such a lender, but it seems that the peer lenders I've browsed all do unsecured loans, which can't help me. I need someone to take an official secured position in my home.

I appreciate any help. Thanks]]> http://www.credit.com/forum/posts/preList/425/1414.page http://www.credit.com/forum/posts/preList/425/1414.page GMT