Archive of category "Handling Credit Card Companies"
I am going to pay off 4 credit cards. I want to pay these off and close the accounts and will cut up the cards. When I call to do this, I want to ask if they can knock off some of the interest since I am paying them off. Also I [...]
I’m going to be putting my house on the market soon. Should I pay off the cards now or wait til I sell the house? I expect to make enough to pay off mortgage AND outstanding cards but would like to pay cards sooner.
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I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower [...]
$50 Billion in New Credit Card Fees? Lenders React to CARD Act – DailyFinance.
Last year, a new law went into effect that’s intended to improve the lives of everyone who uses credit cards. The Credit Card Accountability Responsibility and Disclosure Act of 2009 (the Credit CARD Act) limits the rate that credit card companies can [...]
According to the Federal Trade Commision (FTC) debt collectors are prohibited from saying the following:
You will be arrested if you don’t pay your debt.
They will seize, garnish, attach or sell your property or wages unless they are permitted by law to take the action and intend to do so.
That legal action will be taken against [...]
We know that it is a tough situation when you find yourself in a position where you truly do not have the money to pay your debt. With unemployment rates so high, many people are finding themselves in this position. The following suggestions could be of help if you find yourself in this situation:
Call and [...]
So, what the heck is an emergency fund, why do you need one and how can having one help you with your debt problem? An Emergency Fund is money that you set aside for the sole purpose of handling financial emergencies. What if you lost your job? What if you suddenly had to replace the [...]
