have no job and in debt by 2.000, but try to get something to put four payments into one so i odnt keep missing payment as its hard to keep track of what needs paying next and who needs payning , cant get credit card or loan and no one will help as my debit is not big enough any help
2007-01-10 22:21:01 · 14 answers · asked by Amanda S 2 in Business & Finance ➔ Credit
cant get a job as im six months pregnant and every job ive applied for has turned me down, do try to pay on time but not easy when my benifits only just cover bills and food.have tried to apply for more help but cant get anything else, unless you no any one who will give me a job im still stuck.been to bank they wont help to.
2007-01-10 22:39:37 · update #1
hey Amanda... first thing is don't worry and don't panic, lots of people have been in your position so your not alone.
If you haven't got a job at the moment then you need to take control of your debts and borrowing more money to pay them off just isn't going to happen so stop trying. If your struggling to make payments just because you cant remember who wants what when then YOU need to give each of the people you make payments too a call and TELL THEM YOUR SITUATION and suggest a date and amount that suits YOU not them.
I don't know exactly what your situation is but for example suggest paying £5 each the first week of every month ! and explain that when you do get a job, that you can and will increase the payments to pay off the debt.
Its always best to keep people informed of your intentions if your having problems making payments.
best a luck
2007-01-10 22:49:47 · answer #1 · answered by Reproman 3 · 0⤊ 0⤋
Sorry to hear that you are having such a hard time, however, there may be some assistance. If you are in the U.S., check your phone book for Consumer Credit Counseling Services. The services are free, and the organization can make arrangements with your creditors on your behalf. This is something that you can do yourself, but sometimes consumers feel better if someone advocates for them. $2,000 isn't a horrible amount of debt, but then again $10 seems like a mountain when you need it and don't have it. Some of the posts I read are pretty mean, but please overlook those and keep your head up. Remember, every bad situation is only temporary. When you get back on your feet, you may want to pay the extra few dollars a month for credit protection on your credit cards to offer you a cushion if you ever find yourself temporarily unemployed again. Its worth it to keep the pressure off, and your credit score from dropping. Hope this helps.
2007-01-14 21:28:26 · answer #2 · answered by ladysinger7 1 · 0⤊ 0⤋
Best Advice. but you won't like it! Get a job, any will do, pay off your debts, and then NEVER EVER get in debt again, No hassle, No worries! DO IT NOW! Remember Credit has at some time to be payed back, don't get a Credit Card UNLESS you can pay it off in FULL each month, Don't borrow to pay loans, it costs you DOUBLE! THERE IS NO QUICK FIX!
2007-01-10 22:30:41 · answer #3 · answered by Greybeard 7 · 0⤊ 0⤋
Call the people you owe money to and explain situation you should be able to change the date they ask for the money from your bank as you are paying 4 people i would suggest you pay one every week on a 4 week rota monthly. Get them to ask for your payment the same day your benefit goes in to the bank.
2007-01-13 03:41:43 · answer #4 · answered by amckinnon1@btinternet.com 1 · 0⤊ 0⤋
Hi, Try for the Job first and get it
Do any sort of work to earn money
and forget anything about bad credit/credit card.
Once u will start earning everything will be normal.
BEST OF LUCK
2007-01-10 22:34:58 · answer #5 · answered by AVANISH JI 5 · 0⤊ 0⤋
try your bank. If you get a loan like that, the odds are you will pay a high interest rate. I suggest get a job. Any job.
2007-01-10 22:24:51 · answer #6 · answered by tickTickTICK 3 · 0⤊ 0⤋
I totally agree you are always better off speaking to them and being upfront about your problems they will much rather you pay them off little by little than perhaps getting into more trouble and maybe not being able to pay them back at all. Good luck and don´t worry 2000 isn´t really all that much.
2007-01-10 23:09:03 · answer #7 · answered by NICOLE T 2 · 0⤊ 0⤋
Go to the Citizens Advice Bureau. They have specialist debt advisors who deal with anybody no matter the size of debt. And their advice and help is free.
2007-01-10 22:27:03 · answer #8 · answered by Anonymous · 0⤊ 0⤋
How about asking the one who got you pregnant for money. Incidentally how did you allow yourself to be pregnant if you are not finacially stable. Poor kid when its born. I cleared all my debts before becoming pregnant 10 years ago.
2007-01-12 03:26:04 · answer #9 · answered by Anonymous · 0⤊ 0⤋
This site wil give you most useful information about loans visit http://www.freewebs.com/getyourloan
2007-01-11 01:31:33 · answer #10 · answered by Anonymous · 0⤊ 0⤋