I have about $6,000 in credit card debt. How can I get them to work out a deal? Should I file for bankruptcy? related questions

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I have about $6,000 in credit card debt. How can I get them to work out a deal? Should I file for bankruptcy?1sk2012-09-17 15:43:03
How I can get the credit card lendors .. or collection agencies now .. to agree with me so I can clean up my credit ? My biggest concern is a private loan Wachovia pulled from school . There were about a gap of 8 months that was not enrolled in school , two months more than 6 months of their allotted time before amortization . I owe about $ 10,000 on that. This loan is guaranteed by the federal government . Is there a way back to the postponement now that I'm in school ? Or should I file for bankruptcy , and that is not guaranteed by the federal government ? Prefer not submitted unless you have to. MedlinePlus How I can solve some agreements with collection agencies and Wachovia ? Any advice or should I use language to communicate with them ? MedlinePlus thanks
Is it possible to pay off (full amount) student loans with credit card, then file bankruptcy & remove CC debt?0leli2012-09-20 21:01:03
I'm looking at my options for paying my student loans . Currently I owe about $ 50,000 - all of which are federal student loans ( divided between sub / sub - Stafford and Grad Plus ) . Initial research suggests that bankruptcy (7 or 13) does not exempt student loan unless you can show "undue hardship ." Since this is difficult to prove and therefore unlikely to happen , I'm looking for other options fast . MedlinePlus MedlinePlus My real question is - Is it possible / legal to pay (total amount , a transaction ) student loans with credit card , then file bankruptcy to eliminate that credit card debt MedlinePlus ? MedlinePlus Any information , idea or experience you can share on this would be greatly appreciated!
I have a ton of credit card debt due to divorce, unemployed;credit in toilet; need to file bankruptcy but...?2Shasha' HELP ASAP!2012-10-03 19:10:03
I have a bunch of credit cards due to a divorce, the unemployed, the credit in the bathroom, should declare bankruptcy but ... I dont even have the money to do that, I have a 2004 Cherokee and I do not owe anything on it and take a loan to pay bills and get the money to file for bankruptcy, but I do not know if I can do that, I'm in unemployment at this time last year I did nothing, basically, they have no idea how I even did it, stopped using credit cards for nine months, what I can do, the Grand Cherokee is worth as 7 to 8k 55k only miles on it, I just do not know what to do, I want to get my bankrputcy just out of the way, a year, my life was perfect in the bathroom now, barely even getting by, food stamps, very depressed, my recipe is as $ 200 a month and now I can not even afford that, I have 36 and make no money and not much time, you have no idea if there is something out there that will help me, I can put in applications and resumes all day it is so frustrating, now without my script to be even more depressed and things are only going to get worse, I wish there was a little short-term help presription, my doctor charges $ 50 per visit and I'm down a payment to him, and if anyone knows of bankrputy or what I can do, I will not get one of those loans 1 month to pay 300 screw that, I can not lose my car, and do not even know if you can do that when you are about to submit bankrputcy i just do not know what else to do anyone with a bit of advice and not too stupid spam I have a mortgage on a small condo and I'm behind it all because I have a roommate, last year my brother committed suicide, my best friend died a month after my wife cheated on me and I got pregnant and divorced, is like nothing good can happen, i have never collected any unemployment because I started my own business, so I was self employed, I do not know nothing
I NEED SERIOUS HELP!!! If I am $7,500 dollars in debt and do not work should I file for bankruptcy?0Arche2012-11-03 13:15:03
I have no way to pay these bills because of my son , who is 9 months old was born blind and all my money I receive SSI will your medical bills and other things you need. I will not be able to pay anyone for a while . Maybe $ 50 here and there , but that will take forever . I sent each of the collectors of a note , but of course I do not mind . What should I do ? I really do not know my options . I thought of taking a personal loan , but my credit is terrible and nobody is going to accept. Trust me , I've tried all . What are my options if I have not exhausted all of them ? They will not get off my back . I have not received my sons SSI , just tell me the amount of back pay " could " get out after 5 months. MedlinePlus MedlinePlus Please, I need serious help !
How should i deal with my $15,000 credit card debt?0littlemomatee2012-11-01 21:18:11
in college, to survive, i racked up $15,000 on credit cards form 7 different credit card companies. i then graduated and have a job, but i am way over my head in bills. i'm never late on my school loans, rent, or car payments. so they arent the problem. the problem is i missed a payment here and there on my credit cards and now every company wants me to pay atleast $100.00 right away. there is no way i can afford that. i could barely even afford the normal payments. i got letters telling me they are going to transfer my accounts to a collection agencies. what happens then? and what are my options? i'm very worried.
I want to file for bankruptcy. Will I be able to file my financial aid debt?2Angy20202012-09-18 15:08:02
I have about $ 30,000 in credit cards and car and $ 23,000 in student loans and earns $ 42,000 a year.
I'm in deep credit card debt and can no longer hold the fort, should I do debt conslidation or bankruptcy?2nettie <32012-10-10 02:09:02
I currently owe about $ 25,000 in 10 letters , that they were paying off with minimum paymetns until I missed some payments (arrears , % interest 29% ) and now it's getting worse and worse . I feel I can no longer keep up with this. MedlinePlus MedlinePlus A friend of mine recommended me to do Incharge.org for debt consolidation , but not sure because it is almost the same as the bankruptcy because it will ruin my credit for the next seven years and I have yet to pay more than new ? MedlinePlus MedlinePlus Another says I should file for bankruptcy. What do you recommend ? I really do not know what I'm going to do. How does bankruptcy ? I know it 'll ruin my credit over the next 10 years , I will not be able to buy a house a car or get a loan , but that is not what I'm worried about. If I file for Chapter 7 bankruptcy , does that mean all my debt will be cleared and I just have to deal with not being able to get credit for 10 years ? is that all it is ? MedlinePlus MedlinePlus Thank you very much for your answers .
I am in debt, should I ignore those creditor and collection calls; file bankruptcy; or try to repay the debt?1tera2012-10-06 07:49:02
I am a 24 year old in California who is currently unemployed . I am a full time student and have less than $ 1,000 coming in every month. I have about $ 15 - $ 20k in unsecured credit card that I paid for 6-12 months. Also I have a secured car loan of $ 25k , but luckily , I am able to pay every month on time. I get phone calls every day , but have ignored them all. Since my credit has gone down the drain , I still miss those phone calls and have canceled my debt ? Or should I try to talk to the creditor agency / collection and try to pay ? You should consult with a debt consolidation agency ? Finally , in case of bankruptcy even be an option for me ? I would be grateful for any advice given ... thank you!
Should I file for bankruptcy or do debt consolidation. I have $42K in cc debt + my car, house, i cant keep up?0katniss2012-10-26 04:00:43
I have $ 42K in cc debt with an average of about 14 % interest. Other $ 10 0% financing on things , mortgage of $ 1,400, and $ 330 car payment , $ 650 payment of student loans, and another $ 2K in bills each month . Due to the new guy and since almost half of what I did because of the sudden change at work , I can barely pay the minimum I need more just $ 1K toward my debt each month . I stopped spending money on anything but the interest and the amount of debt is killing me , and I'm sure the credit card companies are waiting for me to miss a payment default me to 33.3% of interest . Please do not guilt trip on the amount of debt , I got stuck with a lot of it after a divorce two years ago and I do not even spending !
Should if file bankruptcy or pay off my debt?3jerry carter2012-09-12 08:43:04
I am a school teacher aged 28 in North Carolina . I make $ 36k/year . I have 5 charged credit cards totaling about $ 5k. I have $ 45k in student loans in deferment while I finish my masters. I have $ 13.5K car repo on my credit. I just do it on my salary and borrow a car from my parents. I have to get them this time with the car again and buy my own car ? But I live on my own and can not be really afford the payments or, and I doubt you can get a loan anyway . This is stressing me so badly and I want to go so you can start living again. It seems to take forever to fix my finances. I have a few thousand in the bank, but I want my next step to be my best move. What to do?
Would you file bankruptcy if you were $32K in debt?1Wellness 22012-10-02 12:32:02
I have 46 years of age. I owe $ 757/month in credit card debt , five creditors . I'm unemployed and now is the perfect opportunity to file bankruptcy when my income is low enough to qualify for it. I'm selling my house bare because I'm unemployed and I'm moving back to my dad . I hope to get a job soon . With what I pay in my career , I will be able to double my monthly payments on credit card while living with my dad , but I'll never pay them only doubling up on them . Consumer Credit Counseling I hear is really bad , kind of scammy . Be bankruptcy could ruin me get a car loan , a home loan , or even get a job . However, I'll never be able to get out of debt if I pay $ 757/month for my credit cards . It will be difficult for me to buy a car and rent a place to live , because much . Thank you.
Debt help PLEASE!!! should we file bankruptcy?1EnglishLove2012-10-16 17:28:02
My boyfriend has a disease that causes blood clots and we have to take him to the doctor twice a month, sometimes more , and insurance just started covering preexisting MedlinePlus MedlinePlus has good credit , but is 60k in medical bills .. what makes her so good credit would look bad .. we go to the credit union we got our car from next year to buy some land , but are afraid of their medical bills can stop us from getting a loan . MedlinePlus MedlinePlus call all collection companies to try to consolidate the accounts and told us will have to pay $ 600 per month (total between them ) and that is the least we can take. MedlinePlus MedlinePlus I do not want to file bankruptcy , but we do not know what to do ? someone please help!

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