Help Debts

Posts Tagged ‘Extra Money’

I am 26 years old, and my brother is 21. I work, am single, and am fairly independent. My brother is working, lives with his girlfriend, and is struggling. He is always asking my parents for money, or others. At one point, due to my aunts maneuvering, my brother and I shared a phone line. Long story short, I was much younger, she got the phone for me as a gift, it was in her name, and i’ve kept up the line all this time. However, since it’s still in her name (working on changing that), she is able to make changes on it as she pleases. Well she decided to put my brother on my line, and this made us responsible for the bill together. Well, after almost 2 years of my brother not paying his phone bill like he was supposed to, me struggling to pay for his part and mine, my aunt having to pay his phone bill during the times he couldn’t or wouldn’t, we finally decided to have him removed from the phone line once his contract was up. Well, this was back in March. Today, I checked my phone bill for my cell, and it was high. I called and asked the company why it was high, and they informed me that on his very last bill, my brother went over his minutes by over 200 minutes, and there are around 90 something dollars worth of overage charges, in addition to his regular bill. I do not have that kind of extra money right now, and the bill is over 200 dollars.

My brother won’t answer his phone and won’t return my calls; he knows why I am calling. So naturally, I went to my mom and asked her to pay his bill. She asked me why, and I told her because her son owed the money, and he wasn’t going to pay it, and I couldn’t afford to pay his part and mine. My mom refused and said that it’s between us, and she’s not in it. I got upset because I feel like it’s her responsibility to pay because her son owes the bill. My mom got mad and said that she helps us all the time, but that this is between my brother and I, and we are grown, and we need to handle it. Who is right? If one sibling owes money or is in debt to another sibling, isn’t it the parent’s responsibility to take care of what’s owed to the other sibling, even if they are grown? My mom said it isn’t her responsibility and that she has nothing to do with it, and that we need to figure it out, but I said she does, since he’s her son, and he’s getting me into trouble. Now she’s mad at me, and my dad agrees with her. I am not a parent, and I am not trying to say my mom is responsible for our debts, but I just don’t understand why a parent would not intervene in this…even if we are grown. Parents, what would you do? Do you agree with my mom? Just because we’re grown, does that mean that she has nothing to do with it? After all, you never stop being a parent, no matter how old your children are, right? So why was it so wrong to suggest that my mom pays for her son’s debt to her daughter? In this case, shouldn’t she pay his part of the bill, because it would affect me if she doesn’t? I don’t want her to pay MY bill, I just want her to pay his, because he won’t. Who is right here? Am I wrong?
Sorry, might not have been clear. My aunt put my brother on my phone line, not my mom. My aunt made the decision to put him on the line, and I didn’t have a choice; I talked to my aunt, and she said she can’t help us. That’s why I went to my mom.

My husband has 2 daughters: one 24 years old and the other one 17. The old one works and lives with her boyfriend. The younger lives with us and dropped School and it is not working. My husband feels constantly worried for his daughters due to his ex-wife is very irresponsible. She is a prescription drug addicted and collects disability. She always has financial problems and manipulates their daughters to get money from my husband. For example she gets problems with bills, obligates her older daughter to give her money and then the older daughter comes complaining to my husband. So, finally my husband ends paying his ex-wife bills. On Christmas he gave big extra money to his girls to buy gifts for their mom and friends. My step-daughters are old enough to buy the gifts with their own money. I understand buying Christmas gifts for his daughters but giving them money to buy gifts for others. It was not making much sense to me. My husband looks worried to lose their daughters if he doesn’t help their mother. Lately he asked his ex-wife to go to a rehab and he will help her with a place where to live. I feel like he feels guilty and obligated with her. I mentioned him that his ex-wife has a big family that she sees every weekend and has sisters. Her family should help her, not him. He answers ‘her family won’t help her’. I feel like he doesn’t understand the line. He has a big debt and we shouldn’t be getting into more bills. I feel like he needs to make understand his daughters that he doesn’t have any obligation with their mom. My husband’s ex-wife cheated him in the past and they are divorced for almost 10 years. I believe he loves me deeply but I feel that he doesn’t know how to handle the boundaries and he puts constantly his daughters in the middle. I love my step-daughters but they should be more responsible. Just in case we don’t have kids together. Please, give me your inputs and I would like to know what you think about my situation. Thank you.

I have about ,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about ,000. I am paying the minimums and have a good credit score (730), but my interest is so high I’ll never pay it off.

My first thought was to go to consumer credit counseling services but since I am not delinquent I don’t want to negatively affect my credit at this point. So, I thought I would go to my bank and get a loan to consolidate. Should I go for a personal loan or a consolidation loan (my bank is Chase)?

Also, two of the credit cards I carry are Chase credit cards, will this hurt my chances of getting a loan? Any help will be appreciated!! I am willing to cut corners, make some extra money etc. to pay off as much as I can. I have cut up my credit cards and not used any for over a year but I am still overwhelmed. Help please!
I am currently paying about 0 a month just minimums, interests rates all around 20%. If I can pay any less than this a month at lower interest it will help no?

we got a 0,000 15 year loan at 4.375% 5 years ago and now owe about 0,000. On my last payment about 50 went to principal and 8 went to interest. On the current pace I will be debt free within 10 years. My wife who does not currently work wants more money to spend each month. She is tired of me planning for the future and me telling her that we don’t have extra money for the things she wants (needs are taken care of) and wants more money now.

She figures that since we have 0,000 in equity that she ought to be able to use that money right now. She wants to re-finance the house at the current rate (around 6%) for 30 years to bring our out of pocket cost for the house down each month so that there is more disposable income. In doing so, the amount going to principal is hardly anything and the whole payment would go towards interest. Can someone give me some advice on how to convince the wife that her plan is not the smartest thing to do? It’s tearing us apart

we got a 0,000 15 year loan at 4.375% 5 years ago and now owe about 0,000. On my last payment about 50 went to principal and 8 went to interest. On the current pace I will be debt free within 10 years. My wife who does not currently work wants more money to spend each month. She is tired of me planning for the future and me telling her that we don’t have extra money for the things she wants (needs are taken care of) she spends 00 after fixed bills and wants more money now.

She figures that since we have 0,000 in equity that she ought to be able to use that money right now. She wants to re-finance the house at the current rate (around 6%) for 30 years to bring our out of pocket cost for the house down each month so that there is more disposable income. In doing so, the amount going to principal is hardly anything and the whole payment would go towards interest. Can someone give me some advice on how to convince the wife that her plan is not the smartest thing to do

I had surgery about a two months ago on my arm. My husband’s health insurance has high deductibles and left us with a bill of over 00. The surgery was an outpatient procedure which was very expensive for a minor one. However, the follow-up care cost the most.

My husband and I are currently in an open chapter 13 bankruptcy. So our available cash is limited for bills. We are almost out of bankruptcy within the next year. Living on almost a third of your available net income has been a challenge but we tightened our belts after the first year by getting a less expensive rental, cutting out unnecessary items. Our car that we had when we filed went bad and we had to purchase a newer vehicle. So any extra money is now tied up in a monthly car payment.

The billing office of the hospital where I had the surgery has been hounding me for a payment or payment arrangement. I tried to explain that we are in a bankruptcy at the moment and would try at least something every month to pay the bill. We had registration renewal and a driver license renewal this month at the cost of almost 0. It’s not much but is hurts when money is tight anyhow.

I’m willing to pay the bill, but medical care costs are ridiculous in this country. My sister had major surgery over 20 years ago and it only cost 00. She had to have rods put into her foot after shattering her ankle. My mom didn’t have to pay hardly any deductibles. My husband just had
a heart monitor done and it cost 00! I did manage to get his hospital to make payment arrangements to pay a month until after we are discharged from the bankruptcy then pay for the co-pay in full afterwards. Our credit score is getting in the good range and we want to be able to rent a nice apartment within a year. Getting a collection on my part might hurt our chances of getting a new place. Why are medical collectors so greedy? They made over 10K from my husband’s insurance. I am not working at the moment. Let them try to sue me. You can’t get blood from a turnip. Just frustrated. Thanks.

Last year a filling fell out of my last back molar.
Quite a bit of the tooth fell apart(and out of my mouth) soon after.
I was saving to have it fixed, but I lost my job a few months ago.
Now all my money goes to school and rent.

I do not have any extra money.
I also do not have any family or anyone, who could lend me funds in any way.
I’ve been living on ramen for 6 months because I could swallow it and not cause tooth pain.
When chewing became too much I switched to protein shakes.
My tooth is now at the point I can suck through a straw and or drink much without immense pain.

I do not have 8 hours to sit in a office and maybe have a chance of getting looked at.
If I miss a certain number of days in class and lab, I lose grant money.
I’ve missed my quota already just trying to get someone…anyone to look at my tooth.
Nothing

I’m in over 0,00 student loan debt, school comes first and I know it will be ok in the long run BUT…my tooth sure don’t know that. :-/

I do not qualify for public-aid or medical help(trust me I have tried everything!)
Please don’t tell me to go to the Dental Clinics at UIC.
I’ve been there and they require full payment upfront, no exceptions.

I can make cash payments of about – a week.
No dentist or so called "free" clinic has been willing to work with me.

I really scared for my health, I know the tooth is past abscessed.

I just don’t know what to do.
Maybe I’m looking in the wrong places.

Any advice would be very welcomed.