Is their any light at the end of the tunnell? Because I am working very hard to pay it off...
2006-10-12 06:03:13 · 11 answers · asked by muslimah 3 in Business & Finance ➔ Credit
You can have all the consolidated to pay 1 big bill. It would be easier than paying several and you wont pay interest on all..just the one. Yes, there is light at the end of the tunnel but make sure you keep up the payments and you're on time.
2006-10-12 06:10:16 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Theres not much you can do. You took on the resp. when siging for the cards to uphold your end and pay your payments on time and now you have breached your part of the contract. How would you feel if it was the other way around. IM sure these people dont want to call more than you dont want to have to talk to them, But its thier job to collect and will get it no matter what it takes. The only option I can siggest is to go to a debt consolidation place and then have them work with you to see what your options are. It could be easier if they pay it off for ytou and then you only have 1 pmt which is to them. BUT when you go to a place like that you MUST pay. THere are no exceptions or late pmt's!
2006-10-12 06:13:19 · answer #2 · answered by Kit 4 · 0⤊ 0⤋
What you do now is work out a payment plan. Total up your income and what you need to live on. Work out a basic rate what you can easily afford to pay these companies and ask if you can have the interest on the cards stopped. Phone them with your offer,don't be scared,stay firm about your offer. While you ignore the calls, your stress is building, and so is the interest. Never run away from debt, it just makes things worse. Good luck.
2006-10-12 06:13:01 · answer #3 · answered by Taylor29 7 · 1⤊ 0⤋
Care One Credit Counseling
2006-10-12 06:11:31 · answer #4 · answered by ? 6 · 0⤊ 0⤋
Send them a letter (certified is better and make a copy of the letter) and tell them your situation and your payment plan. Microsoft Office has a template which can assist you. Then stick to your payment plan. They should stop calling.
2006-10-12 06:12:26 · answer #5 · answered by Mariposa 7 · 0⤊ 0⤋
I agree with changing your number. They won't stop calling until you are all paid up. Even if you have set up a payment plan with them, they have so many people in the different departments, that have to call delinquent accounts. And now they have the automated dialers that just automatically call delinquent accounts. So really changing your number or not anwering the phone is your best option till you can pay them off.
2006-10-12 06:08:50 · answer #6 · answered by thornton1978 1 · 0⤊ 2⤋
All you have to do get the person's name and extension number and just tell them you don't want them calling you anymore. Once you have done that they are suppose to not call you anymore. Should they call you give them the name and ext number of the person whom you spoke with, stating that no more calls are wanted. They can only contact by mail.
2006-10-12 06:10:34 · answer #7 · answered by beautiful_yet_spoiled 1 · 0⤊ 1⤋
Legally, if you ask them to stop calling you, they have to stop calling. (They can, however, send you letters in the mail.) Just be sure to keep making the payments!
2006-10-12 08:50:49 · answer #8 · answered by zippythejessi 7 · 0⤊ 0⤋
best thing you can do is not to ignore them.
try CCCS.NET (credit counseling and they
work with creditors).
read daveramsey.com for some advises.
2006-10-12 14:45:39 · answer #9 · answered by Anonymous · 0⤊ 0⤋
http://hits4pay.com/members/index.cgi?manishshukla
2006-10-12 06:07:17 · answer #10 · answered by manish 2 · 0⤊ 0⤋