which is better: filing chapter 13 bankruptcy or consumer credit counseling?waterbear1 asked: i filed chapter 7 in oct 2002. now an ex love helped to me in trouble again( around 15-20 thousand). my credit was back on track until the last 6 months and now am in desperate situation. which option would be best for my situation: filing chapter 13 or going to consumer credit [...] What if a personal loan officer shows up at your job site?personality2_die4 asked: World Finance and Tax Service of Mexico, MO believes it is ok to show up at a persons work and request a payment in person, not caring who is in the office is this illegal? I have never heard of a loan officer for a small loan not dealing with the business at [...] Am I the only one having to pay astronomical late fees for a car loan?Not available asked: Of couse like most consumers, somthing comes up in a short notice and when it does it usually interrupts your living arrangements. I’ve been trying to catch up on my car payments, and each time I do, I end up being farther away. The finance company where I pay my car loan [...] Consumer credit and investing questions please help?Wilfred Fizzlebang asked: 1. What can be the best type of safety net in hard times? (1 point) Gambling Mortgage Rental property None of the above 2. Generally, you need to live in a home ________years to break even on closing costs. (1 point) One Two Three Four 3. What is generally the most complicated [...] Is this company breaking the law?Tammy asked: I received a consumer loan from a company called CashCall. Big mistake on my part! They are charging me 59% interest. I recently heard a story on channel 15 news that says in Arizona there is a limit of 36% on a consumer loan. Does that mean CashCall is breaking the law by [...] upside down on vehicle loan?okiemom09 asked: I bought a Durango 08 model in Oct. 2007 Bought it for 30k I want to get out of it…went to KBB and it said trade in value 11k!! Is this even legal for it to lose value this quick? Are their laws to protect the consumer? Or am I just stuck. uughhh [...] Is the interest rate that the Federal reserve uses. what commercial banks have to pay to the reserve?samson5791 asked: Does the federal reserve charge commercial banks the current rate, which they (commercial banks) have to pay to loan out money at whatever their rate would be to consumers?Matthew Ways to guarantee a co-signer doesn’t get screwed?bradster1200 asked: I’m 18, and going for a consumer loan. I cannot get my parents to co-sign (I can’t get it myself because I have absolutely no credit), I’m 99% sure they won’t co-sign because they are not willing to risk their credit. Is there any way to guarantee that they will not get screwed? [...] Consolidate private student loans on lower interest credit card?curious126 asked: Here’s the situation: I have about $30,000 (of $114,000 total) in 3 student loans at 7.5% (variable rate). These loans are private and that’s why I could not consolidate them. I have a balance transfer offer for 4.99% until paid off on one of my credit cards and am tempted to transfer as [...] Should I go through Consumer Credit Counseling?Lyn93 asked: I am overwhelmed with loans, Credit Cards, and bills. The thing is I have decided to go through Consumer Credit Counseling to have my interests on my loans lowered and pay off my loans, and the Credit Cards which are now in collections. I cannot handle this debt on what I make, because [...] |