Personal Finance - October 2007

is it reliable for borrowing? i haven't even heard about the site until today.

2007-10-20 18:26:50 · 2 answers · asked by Anonymous

I hear it is very hard to file for the type of bankruptcy where they abolish all of your debt. However, what about the type of bankruptcy where you pay back some of your debt? If you file this type of bankruptcy, will you definitely get accepted, even if you make a high income? How much of your debt do they make you pay back and in what timeframe? How much does it cost to file for bankrutpcy nowadays? Do you have to pay a lawyer up front? Does a lawyer guarantee you will be accepted for filing bankruptcy? THANKS!

2007-10-20 18:14:19 · 6 answers · asked by Amber 1

i need it to pay off some school debts and toll violations but i don't have any collateral. i live with my mom and she can't cosign on a loan for me either because she has terrible credit. i have been at my job for almost 2 years and make decent money but i can't seem to find anywhere that can loan me that money. i tried banks but they denied me. can someone give me some information

2007-10-20 18:02:21 · 22 answers · asked by Anonymous

Any tips on what we should do through personal experiences?

My brother and I want to move out. We both have full-time jobs that pay $13.00 and hour. We were getting a 2 bedroom for $1500 a month and $1000 down. A friend of ours that gets payed $15.00 under the table is moving in as well. What are the first steps? We are all paying $500 a month...

2007-10-20 17:48:24 · 5 answers · asked by Anonymous

People get rich in different ways, some work hard for 40 years and save, while others write a hit song or book and become a best selling author over night. I want to get rich easy not hard.

2007-10-20 16:51:10 · 14 answers · asked by Anonymous

My son's father lives with me, but is credit is awful, and he isnt eligable to help in getting a home loan, can i put part of his income down and list it as child support to add to my assets to increase the possible loan amounts?

2007-10-20 16:41:48 · 5 answers · asked by tiffani5135 2

My husband and I both have good credit, on the border line of being excellent and we don't want to do anything that will hurt our credit score.
Together we have 6 credit cards with approximately $7000 in debt a mortgage payment and two car payments. I have transferred the balance of one of the cards several times ($4000) and do not want to do it again, the interest and accrued finance charges will hit in January and there is no way I will be able to pay it off by then, so I need to find a way to consolidate or something before then. One of my biggest problem is that I'm a SHOPPER and I can't resist a bargin, I put all my extra money towards payments and then have no money to spend so I use a credit card. What kind of solutions can you offer (other than quit shopping, that one I'm well aware of and I have removed all credit cards from my purse), do local banks offer consolidation loans with low interest? Please Help!!

2007-10-20 16:28:57 · 6 answers · asked by LiveLaughLove 3

Today in the mail I received a letter from a credit card company. I thought it was probably another offer for a credit card and almost threw it into the trash. But, I opened it, it was a bill from a credit card company whom had sent me offers before. It was a new account in my name with on-line purchases in Austrailia the credit card limit was 1000.00 and the interest was almost 35%. So I immediately called the company. On the automated it ask for my SS# Well I thought to myself they should already have it and ignored the request. I finally reached customer service and she told me that I should call back on Monday morning and speak to the fraud department. Well it is Saturday evening. What should I do next? I sure hope there isn't more cards and lines of credit opened up in my name. Thanks in advance.

2007-10-20 15:43:58 · 4 answers · asked by Lue R 3

i got a letter in the mail the other week to become a "secret shopper" and my job was to wire transfer 3000 dollars to anyone in the us by moneygram, and then to spend 150 at walmart and fill out paper work to evauate their services...turns out the whole thing was a scam...i got a call from the bank saying my account had been terminated...i was just trying to make an honest living and i got screwed...life sucks sometimes, is there any chance that you can find out who was behind this? has anyone else gotten scammed? this sucks, please help

2007-10-20 14:16:57 · 7 answers · asked by Anonymous

2007-10-20 14:13:41 · 2 answers · asked by bnpduval@sbcglobal.net 1

It seems like nobody bothers to balance their checkbook anymore!

2007-10-20 13:47:33 · 7 answers · asked by paperdoll198 5

I cant open one with my job until I'm 21, and I'm not to sure about the other methods. Any advice please?

2007-10-20 13:04:35 · 15 answers · asked by My Little Girl Has Arrived :) 3

The problem is there are also 8 others none under the age of 21 and there is a trustee. How do we get our share with this trustee in place. I think a trustee was appointed for the grandneices as they were under 18 when will was made. I am now being told that the trustee is reinvesting themoney and willnot release it for a long time

2007-10-20 12:26:18 · 3 answers · asked by gloriamarion@snet.net 2

Say It's 100,00.00 and I pay $50,000.00 to the principle.

2007-10-20 12:20:09 · 14 answers · asked by Joseph M 1

Rich Dad, Poor Dad date that it was published

2007-10-20 12:19:41 · 4 answers · asked by greenary 5

2007-10-20 12:13:28 · 7 answers · asked by Anonymous

2007-10-20 12:07:21 · 3 answers · asked by princessbuttercup59 2

2007-10-20 11:56:40 · 18 answers · asked by gododjgjodjod 1

2007-10-20 11:37:54 · 4 answers · asked by Vader 1

1) Can he do what he likes with the money or are there special restrictions, in exchange of the tax privileges received?

2) Also when the person finally dies, can he bequeath all what is left to his inheritors or only a certain percentage?

In UK, when we retire, we can only draw 25% of our retirement funds to do as we like. The rest we must use to buy an annuity, which leaves nothing after death. This our nanny state says, is so that people cannot spent all the money unwisely and become a burden on the state.

2007-10-20 11:20:34 · 2 answers · asked by Anonymous

2007-10-20 11:06:10 · 14 answers · asked by winniepoooooohhhs032032032the032 3

And, being the genious that I am, I threw the slip away. I deposited $280 (14 twenty dollar bills) but it said I deposited $140. I'm going back to the bank on Monday and try to explain that my mistake. I updated my bank book at the same time, so hopefully that will be okay. I'm kicking myself for throwing out the slip, as that would be the best proof.
Can anyone tell me what else I can do? Or is my $140 gone forever?

2007-10-20 11:00:54 · 7 answers · asked by neocarleen 3

2007-10-20 10:53:33 · 5 answers · asked by Ashley G 1

The bank is offering a line of credit sale. I pay no fees, the bank is covering all closing costs, state taxes, appraisal fees and the first year annual fee. I can take out a line of credit on the equity of my house. The rate is prime minus 1/2.

What is in it for them? Could there be a hidden downside for me? What do you think?

2007-10-20 09:30:09 · 6 answers · asked by moviefan2020 2

I have a credit score of 435!!! YIKES!! It was 470 last July and that was right before I paid off only one of four delinquent accounts. One was a car repo. I had in Nov. 2005 which has since been paid off (now over a year and a half ago). My credit score doesn't even say repossession anymore. It just says, "paid profit and loss"-don't know what that means exactly. Two other things are accounts for late payments of under 300 dollars. So, why is my score this low? Really, it's ridiculous!! I have had numerous people check my score for a personal loan and am wondering if that did it. I'm talking maybe 10 banks, I applied with online.

2007-10-20 06:33:03 · 3 answers · asked by justellemJimsaidhello 1

Should I file my own Chapter 13 using a kit I found at the office supply place? After all, I have all the data, I just need a legal eagle to sign it?

2007-10-20 06:05:44 · 7 answers · asked by Anonymous

im only 14. so i cant get a job. and ive been wanting a lot of things that i cant have because i have no money. so what do i do?

2007-10-20 05:34:28 · 8 answers · asked by a.gaiennie 2

2007-10-20 05:30:50 · 5 answers · asked by Anonymous

I have 22k on loanI need to move quickly but need to move wisel-my car repo roughly 17k to get it back conserv value 19.4k and I am unable to get approved on a car loan- Other critical info is my mortgage is late- owe 4k now another 2k on the first of Nov. (total 6k)
home equity is at least 60 days late min pay on the 1st Nov will be roughly 3k-
I owe roughly 20k in cc debt and the fees and interest are killing me. One cc is tied to my home eq and regular bank account and the bank is moving money on there own to cover lets say a partial payment to home equ and then they charge me a fee for moving it, being overdrawn and they get me on both sides. I owe 329k for my home The value has reduced due to economy and the range is presently 389-469k. There is
some equity left IF I could sell it quickly.
The money I am using is a loan and need to be paid back.as it is their safety net--I am nowunemployed(temp) I need the car for intervs and a requirment for my field HELP appreciat

2007-10-20 04:01:27 · 2 answers · asked by Anonymous

I just bought something big and I need cash. Any ideas how to get some?

2007-10-20 03:54:38 · 5 answers · asked by Herbi 1