Help, I need $3000?

Question

I am a 45 year old disabled LPN. My husband has wracked up a credit card amount of $3000. I have always paid my bills on time since I got away from him but he somehow got one of the older cards that still had his name on it and used it. I just want to get this paid and cancel this card. It's the only one left that still had his name on it. I've tried borrowing the money but since i'm disabled, I can't get a loan, even though, I have a monthly income to pay a loan back. It doesn't work that way in the banking world. Any ideas??? I saw on one of these familiar questions answered, that said, "you could model nude, do light porn, and make some money". Well, First, I don't believe in what pornogrophy stands for and secondly, I really don't think I'm the kind of girl they'd be looking for. LOL. I could sell my car (it's paid for) but it's the only transportation I have. This credit card was a build your credit back type of card. I haven't missed any payments yet & hope it doesn't come to it

Answer 1

Hi. Your story sounds like a good candidate for prosper.com. You can likely get a below market rate loan there to get you out from under. I'm 45 too. Yay 1961! :-) Sorry about the disability.

Answer 2

You need to check with a legal advisor to see if you are responsible for those bills, and if so, what percentage.

CANCEL THE CARD NOW! Call up the credit card company NOW and tell them to cancel the card to future purchases!!!!

Those are the first two things I would do. Good luck.

Answer 3

There are a lot of things you could do, but you are right Porn is the Best. And the fastest, And you are just what they are looking for. There are millions of different types of porns out there..... My got back 16, More Cushion Fa the pushin 7, Watch out she gonna Blow 23, There's even one with nurses, (I know I produced it). So good luck, and if you need any help ?

Answer 4

Let's ask this question first -- are you LEGALLY separated (meaning the paperwork went in front of a judge and this is documented and signed and registered/certified) or are you just separated?

IF legally separated -- then that order will tell you how this debt will be treated - and if he racked up the debt during the legal separation -- it could be his responsibility and NOT yours -- so check that legal document first.

IF you are NOT legally separated -- you may be out of luck and if your husband runs out on the debt and does not pay -- then the creditors CAN look to you and pursue you for the satisfaction of the debt (UNFORTUNATELY).

Answer 5

I was always told never live beyond your means. Even though it was your husband and not you, your just at fault as him. Companies look for irresponsible people like you to pay that extra interest.

Answer 6

LPN with no money?What have you done with all your hard earn savings?Just call your creditor and work with them.If you can show proof of your separation documents,then that should be sufficient.Good Luck

Answer 7

you should try a debt consolidation..i tried and they were very helpful..just go to the trans union website and you can find a good one their..i can't think of the name off hand..u can also find good advice on the 3 credit bureau's websites...good luck..what's up with them 10 pts??

Answer 8

Did you talk to customer service, maybe they can lower your interest rate. How about selling some of your stuff on EBAY, i sell on ebay and make some good money.

Answer 9

you're just going to have to pay it off over time, $3000 isn't that much money, just make sure you pay more than the monthly minimum.

Answer 10

check with your attorney, if you've got a legal separation you may not legally be responsible for that bill - in any case, notify all of your creditors and make sure that you don't have any other joint accounts.