Personal Finance - January 2007

My live-in-fiance has HORRIBLE credit, & as of right now we are renting & financing 2 cars. Everthing including credit cards & cell phone contracts are under my name, eventually we want to buy a house, but either way we need to fix his credit. Alot of the debt is unpaid hospital bills (was unemplyed for 8 mnths & in those months he got very ill & no ins.) and some of the debt are from when he was younger & abused credit cards.
He owes a bank $800 & now cant even get a back account under his name.
I would say 1/2 of his debt is from 8yrs ago & the other 1/2 (hospital bills) are current.
My question is should he try to consolidate the debt or just file for bankruptcy. His medical bills are about $12,000 alone. Misc debt is about $5,000.

2007-01-17 03:48:14 · 7 answers · asked by Angel 2

I want to claim Bankruptcy but I was told the judge will make me payback all my debt with my income tax return, but I was planning on using the money to hire my lawyer to do the proceedings. Can someone let me know if this true and what is the process for filing bankrupt?

2007-01-17 03:40:34 · 6 answers · asked by SALLY 2

if i go and get it cashed at the bank do i have to wait for it to clear or will they give me the money then and if i have to wait how long will they make me wait for it to clear

2007-01-17 03:38:20 · 7 answers · asked by Anonymous

I have a very strong payment history....just too high a debt load on revolving

2007-01-17 03:14:49 · 7 answers · asked by scottw2100 2

I am about to receive a Transfer Certificate from Abidjan, Ivory Coast. A fund has been rewarded to me. Standard Trust Bank is the processing bank. They have been requiring me open an account with them so that i the fund could be transferred to my name. After that, they will send me a Transfer Certificate wherein i could have the money transferred. Shall appreciate your advise. thanks

2007-01-17 02:22:27 · 3 answers · asked by jinrodge_sk 1

2007-01-17 02:09:10 · 9 answers · asked by C C 1

I have a +600 credit score but have an old debt to pay off in order to be able to build my credit

2007-01-17 01:41:21 · 4 answers · asked by nathan h 1

It could be a store, a town or city, whatever.

2007-01-17 01:37:19 · 20 answers · asked by Anonymous

2007-01-17 00:39:36 · 6 answers · asked by tyler 2

2007-01-17 00:33:22 · 16 answers · asked by kal 1

I used a website looking for a credit history on a potential tenant. No response from this website of any kind. Now they have my credit card, my information and the potential tenant's info. How can I take care of this? Website was public people finder. Is it a scam?

2007-01-17 00:19:12 · 4 answers · asked by Nancy W 1

I am 17 at the moment
Should I invest it or spend it??

It is about £30,000 plus interest over 4 years

2007-01-17 00:12:55 · 17 answers · asked by andie f 1

my finances are all over the place and i seem to be spending money non-stop

2007-01-17 00:10:35 · 9 answers · asked by scotgal 4

2007-01-16 23:07:27 · 6 answers · asked by vaneeka g 1

i recieved a letter in the mail saying my mother and i owe 300 for a library movies,books she got for her crack-head friends and never returned when i was 12.they are telling me its now my responsibility cause im over 18!!!the stuff she got from the library i don't even know,she was on drugs and still is,they want me to pay this debt but it is not my fault,now i cannot even get a library card,i cannot afford to pay this money being its not my fault and i am on disability.i thought about getting a public defender but im not sure.theres no way my mother will pay the money that has collected intrest since i was 12 to be 300 i just found her after having not seen her for 7yrs and shes still on drugs,i am so frustrated about this debt.how can i be blamed for my mothers debt on some things she did on her own.???any suggestions on this??

2007-01-16 19:41:31 · 10 answers · asked by swirl 2

What should I expect to pay per hour for an accountant to do personal, small business taxes, and perhaps financial advice? I am in Los Angeles.

2007-01-16 19:15:31 · 2 answers · asked by David H 1

i want to see what people would do with it just a couple of things this is after taxes have been payed and its in the stock market earning a solid 9 percent

2007-01-16 18:47:22 · 10 answers · asked by Anonymous

how much am i going to pay in taxes and does anyone else have some suggestions im 25

2007-01-16 18:33:22 · 4 answers · asked by Anonymous

2007-01-16 18:25:23 · 11 answers · asked by bird 67 2

I have quite a bit of stock, and a large equity line payment. Should I sell most of the stock to put on the equity line, to get my payment lower?

2007-01-16 18:08:00 · 7 answers · asked by MarilynV 2

I don't want to put my paychecks in a bank account or savings account but I'm trying to save money. What can I do or where can I put my cash that I want to save, so I don't spend it?

2007-01-16 17:39:42 · 9 answers · asked by Jenn 6

2007-01-16 17:29:14 · 4 answers · asked by dukenum131 3

2007-01-16 17:04:05 · 10 answers · asked by bigballa7505 1

I like to clip coupons, and I have a rule "never buy clothes full price" so I wait for sales or promos. I also refer friends to beauty salons or make friends w/ the employees to get discounts or freebies. I like to buy things off eBay that may have been worn once or twice.

How do YOU save $?

2007-01-16 15:58:34 · 8 answers · asked by prtty_patricia 2

2007-01-16 15:29:16 · 6 answers · asked by shuttlegirl 2

i have $40.00 and im 10. wat should i buy??

2007-01-16 14:52:33 · 6 answers · asked by Anonymous

2007-01-16 14:44:39 · 2 answers · asked by tammie 1

I just sent my husband to his credit union but he forgot to put the check into the envelope that he put in the ATM, what is the bank going to do, has this happened to anybody before?? and to make the situation worse our car payment is due and i have used the entire deposit already because with our bank the money becomes available immedalitly. i talked to him and told him to go back first think in the morning to explain the situation to the branch manager but for some reason i am flipping out!!!!!!!!!!!

2007-01-16 14:34:56 · 6 answers · asked by gustavoandkimberly 2

I need to copy and paste them into a word page not a spreadsheet.

2007-01-16 12:58:59 · 5 answers · asked by DidoDeeDee 3

2007-01-16 12:14:29 · 11 answers · asked by Anonymous