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Posts Tagged ‘credit card’

www.cpa-financial-debt-strategy.com – Using a Credit Card Debt Relief Company?

My old car has had it and I have several thousand dollars of credit card and other debt. If I go debt consolidation first, can I still get a car loan? Yes, I am aware that is making the problem worse, but my wife got a job and I’m on the way to getting a better job so we are trying to earn our way out and spending a lot less. But we need the cars to get to work.

The Debt consolidation does not discriminate those that are eligible, just as long as you are having financial troubles. www.debtconsolidation321.com

i’m wondering which, if any, of my debts i should pay off with my 401k money. i have a one-time penalty-free withdrawal, and i would like to make the most of it. based on my debts, am i better off investing the 401k and letting it grow, or using it to pay off some/all of my debts?

ASSET
401k money- ,000 (minus whatever taxes will be taken out when i withdraw, this is what i have to play with)

DEBT
,000 promissary note (interest free) to pay off over 20 years (5/month)
00 credit card (currently on a promotional 0% interest rate)
00 credit card (6.9% interest)
00 student loan (2.5% interest)

so, my debt is mostly low-interest or interest-free, and i’m wondering how to handle using the 401k money…

pay some of it off, invest the rest?

pay all of it off, invest the rest?

continue making monthly payment, and invest the entire 401k?

thanks in advance!
i got divorced and was told i had a one-time opportunity to take out some money. was this incorrect information?

www.freedomdebtrelief.com in this 30 second freedom debt relief video, individuals struggling with credit card debt are given an opportunity to settle their debts faster than thought possible. For more information visit www.freedomdebtrelief.com or call 1-800-973-1230.

www.cpa-financial-debt-strategy.com – Hiring a Credit Repair Company? Here are some things to know about credit repair companies. By law (see The Credit Repair Organizations Act), credit repair services must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract to repair credit.

I recieved a credit card summons on June 21st. I am in Gerogia and have 30 days to answer. I plan on completing my answer in next two days. I have consulted attorney and they all give me geral good answers in regards to making sure I answer first and high-level advice. they dont go deep as it would be consulting which they charge for. I am not ready or able to pay for a full fledged lawyer right now as some of them have said I have a "loser" case being that the amount of debt I have, it would be backwards of me to pay for a lawyer who would ask for more than half the amount I owe in debt.
Bankruptcy is out of the question as it is just K in debt. and I do not want to do debt consolidation programs or debt settlement agencies.I really want to put this behind me. It is not out of the SOL as it was charged off late last year.

After extensive research and help from people on boards & attorneys,
I am preparing my answer.

• In GA, is there an exact way to prepare my answer? Is there a database of GA court forms as other states have that would help?
• When answering, should I allude to myself as "Defendant" or use my full name when making statements?
• What exact verbiage should I use when accepting, denying, or need more info answers?
• Do I put my defenses on same sheet? Where on the answer to complaints do I put my defenses?
• Should I copy original complaint and put answer below each one?
• I want them to validate, not "verify" the debt? Should I attach a "Request for production", "Request for discovery", or "Debt validation" to the answer? or work it into my defense?

• I am also attaching and filling out a "Notice of Appearance" to state I will be at the court date whenever it is set and I want to be notified of every single change or communication. Is this ok?

• At the end, I am also attaching a "Certificate of service" that shows I have also sent a copy of everything to the JDB’s attorney, the date, and what documents along with return reciept. I will do this right before I hear to court to give my answer to the summon. Is this ok?

• Do all of the forms need to be notarized? If not, which ones?

• Am I missing anything that I need to include in my answer to the summons?
I have "Answer", "Defenses", "Request for Production", & "Certificate of service"

BIG QUESTION: What happens after I file an answer? Who will I hear from? what is the time frame?

I want to avoid a default/summary judgement and ultimately want to settle this debt but do not want to do it informally out of court now that they have served me a summons.

The account is for K and is being represented by an attorney for Cavalry Portfolio who was assigned from BofA.
Does BofA have anything to do with this debt anymore?
What is the lowest I should settle for if it does come my way?

Thanks

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Is there a way to make, influence, or encourage someone to be more responsible? That someone being your significant other?

My boyfriend of three years and I live together and his irresponsibleness and procrastination habbits are driving me crazy. He just lost my credit card for the second time this year. He is careless and often accidentally burns things with his ciggarettes. I’m the only one who is responsible and the stress is starting to eat away at me since we are in debt (partly because of him losing his job). I know it is said that you can’t change people, but come on! There’s got to be a way to make him more responsible. The man can’t even handle his own bank account.

Help!!!!
I usually do control the money. It’s not very often that he gets the credit card, but when he does he usually misplaces or completely loses it. It’s just so stressful having to be in control of the money all the time. I’m a full-time student and so is he, so its not like there’s a lot of money to control, which makes it all worse.

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