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Can someone help me on a bankruptcy dilema?

A first payment default is very serious. I would catch up that housepayment fast.

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Mortgage application: denied by automated system, now going to manual underwriting?

I maintain my certification as a Direct Endorsement underwriter...a DE underwriter is authorized by HUD to underwrite FHA and VA loans. What caused the loan to fail the automated underwriting is...

Does your family have a budget and if so how do you stick to it?

If you don't have a joint account open one tomorrow. Its the best / fastest way to get on the same page. I recommend only having 1 joint account. Both of you should work on the budget toget...

Problems with renting??

I do not know anything about homelet, but I do know if you do not move into that house you are entitled to your down payment back. Once I put a deposit down on a house and did not move in and the ...

Florida hosptial wanting to place a lien on house?

There is no point in trying to contact the hospital, they have sold her debt to the collection company. For them to actually file a lien on her home they will have to take her to court and get a...

Bank and credit help please! I need to get this turned around!!!!!?

If you offer to pay the money, they may reopen your account. It happened to me with another bank, years ago. Plus, anything other than bankruptcy shouldnt stay on your reports more than 7 years.

The quickest way to pay down school loans and save at the same time. I am lost. keep reading these personal fi

I would suggest moving 5 - 10% of your salary into savings as soon as you get your paycheck. The rest of your paycheck you need to budget and decide on how much you can pay towards your debt. Start...

Would you be happy or unhappy if a company whose stock you owned was bought by a leveraged buyout specialist?

If I am getting cash.I don't care what they do.....................

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Question about Suze Orman's Women and Money?

Good for you for wanting to learn more about managing your finances. If you like Suze Orman, I recommend you read her other book "Young, Fabulous, and Broke." It pertains directly to de...

When is the best time to file bankruptcy?

I'm sorry that you appear to be yet another victim of the "cash advance cancer". With the new stricter predatory lending laws in place, protecting consumers the carnage left behind f...

Any advice in helping me deal with Mann Bracken, LLC - debit collection agency?

Write the collection agency this letter: Dear Debt Collector: Per The Fair Debt Collection Practices Act, I wish no further contacts from you. I will only deal with the original creditor re...

Need 拢105 by tuesday?

BT phone or mobile? If BT ring them and ask for time to pay, they usually let you. If its a mobile they may give you time as well, ask them they can only say no. they may let you pay by installme...

Negative Information on Charged Off Credit Card?

write a letter to three credit reporting agencies that revolving credit in your State of (fill -in) is (what years) and that the Statute of Limitations has ran out on any recovering the debt, ...

Should we file bankruptcy?

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Does Discover Card settle accounts?

FIRST, NEVER LISTEN TO WHAT A COLLECTION AGENCY TELLS YOU! Here's why. A collection agency purchases your debt from your original creditor, usually after it has been charged off. They pa...

Can't pay interest on credit cards - what happens if I don't?

You need to make BIG changes in your lifestyle. Visit your local credit counseling agency, they will be able to help. If you stop paying, your credit will be ruined and you will have to declare ban...

HELP - My sons girlfriend is leaving him, he can't afford the house & cars. What should he do?

Firstly, he should check out his responsibilities regarding the truck. He may not be responsible for paying it if the loan is solely in her name, and if he's not, he should forget it and let ...

Bad investment?

try the law, try thinking in a different way. Maybe buddha is correct and all will turn around for you. also, try to cut spending in other areas

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How to increase credit score?

From what you have provided: -Paying off any loan that you have accrued is a plus. -Paying everything off every week will only show creditors you're not using the credit card. It's bes...

What should I know before getting into a lease-to-own situation??

My main suggestion is to watch for any clauses in the seller's estate that could take your home back as an asset by the family or should their be any liens on the property and such. I don'...

I have a low credit score, should I still attempt to purchase a home?

The real question is, "Can you afford a home"? Without knowing more detail (please don't tell me), I can't know for sure, but I would guess that you probably would have a diffi...

Credit and mortgage questions, please HELP!!!!!?

Your credit score is low and therefore you are viewed as a high credit risk. The amount you owe is not as important as your credit history. Folks who are slow pay or no pay are poor risk. Also, the...

My husband is over-spending, how can i get him to stop?

He needs to have his own account and NO access to your joint account. You tell him each payday how much his half of the bills, groceries, etc are and he can give you that ON PAYDAY, and then he ha...

Credit Score of 634...?

634 is considered below average. You would want that score to be AT LEAST 660 (let alone 720) in order to qualify for any of the "billboard rates" that you see driving down the road. Be s...

Can a dealership reposess a car if a check bounced from 16 months back?

Auto finance is what I do for a living and if I am reading your question correctly this was a cash deal with post dated checks. If this is correct, then you have defaulted on your contract since...

How will this effect my credit score?

"Then fight all three of the credit bureaus and show them that it has been paid in full and to have them remove it from your credit report." This person does not know credit issues ver...

Need advice on bad situation with loan against 401(k)?

Because a 401(k) loan is due in full upon termination, and because it means your money is not growing in your account while it is out, I think they are rarely good ideas. I actually did one for on...

Can I assume liened property?

You should talk to an attorney before you do the Mary method. Since he owes you money this is a monatary exchange, on paper only, but they all are paper one. No one shows up with stacks of cash...

Can I obtain a job in London Financial sector if I am blacklisted?

I can only speak from the US standpoint. Here in America, many companies have adopted practices to, along with checking your criminal history, check the credit history. When I asked my boss why the...

Help! Bankruptcy information needed. Victoria Australia?

The laws in Australia are going to be at least a little different then in the US. daveramsey.com has good info. A lawyer will just tell you to file because that is how they make a living. It will n...

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