makamaepohaku asked:


can pay. They insist that untill it is brought up to date they must keep calling (company policy). Is their anything I can do on my own? I don’t want to go to one of those “debt relief” agencies. They charge you and arm and a leg. Any sugestions?

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DOOM 98 SINCE 06 asked:


9/11 spent billions…9 hurricanes spent billions…26 wild fires spent billions..12 midwest tornadoes requiring federal disaster declarations, spent billions…5 major earthquakes spent billions…Tsunamis spent billions…disaster relief for numerous other countries spent billions… and no matter what you believe he did not cause any of them?

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nashniki asked:


I filed for an extension, paid a rough estimate for both fed and state. do I use the 1040 form to file now or do I need another form. 4/15 wiped out my accounts with the estimates. Had 1099 contract labor and 1099 debt relief along w/ W-2’s. The 1099’s killed me. I need to know what forms to fill out to go ahead and get this behind me. have never done this b4

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Christina H asked:


after a major financial upset me and my husband plummeted head first into the deep dark hole of debt. We now make 30k a year. We had a 4k credit card balance that we took care of through a settlement using our entire tax refund. All of our accounts are now in collections including 8k we owe to Honda after our car was repoed and auctioned for 2k (our loan balance was 10k) Total debt is around 11k. Problem is we have no money to pay back any of these debts. We live paycheck to paycheck. Most of the debt relief programs I’ve come across give you tips on how to cut your spending to make room for credit card payments. We have no room to cut any spending. We don’t buy anything unnecessary. We don’t eat out, go to the movies, buy clothes, etc. All of our income is spent on bills, gas, food, the bare minimum. I am going to school in the evenings now so working more really isn’t an option. I really don’t want to file bankruptcy but its starting to seem like the only choice. Any suggestions.
I will be finished with school (if I stick it out) in 8 months. Im in a sonography program and my expected income when I’m done should be around 65k. My husband is in school as well and will be done in about a year. At the end he will be making about 50k a year. The way I was thinking is if I wait until I finish school to pay it back it would be so much easier and wouldnt take that long. If I quit school and get another dead end job I will probally spend the next few years trying to pay it back. Should I just let the phone ring off the hook for the next 8 months and pay it back when I get done with school. I could pay $5 a month. Or should I quit school and get a second job even if in the end it takes me longer to pay it back?
I cant quit school for a few reasons. Most importantly I have student loans. Not much but if I drop out I will go into repayment. If I stay in school I won’t go into repayment until 6 months after graduation.

so quit now, get a job, go into repayment (which will eat up a big chunk of my extra income)
vs.
finish school. Live at our current stardards for the first 6 months of working in my feild and use the extra income to pay back my debt until I go into repayment.

I guess I have come to the realization that as eager as I am to get this taken care of there just isn’t a logical way to accomplish it right now. I will be calling my creditor tommorow and telling them just that. Im already in collections how much worse can it get. They will just have to wait.

I’m young, I’ll bounce back and hopefully learn from my mistakes.

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jmd72inva asked:


I am in repayment with the IRS (I came to them- they didn’t come to me) I have upheld my repayment agreement, and am about 7 months away from the debt being paid off. Am I and my child entitled to a tax relief check? If I won’t get an actual check- would it be applied to my debt?

Thanks in advance

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Robin B asked:


Anyone been through bankruptcy? How bad is it to go through, emotionally-physically-financially-life wise? How about debt relief? Does it exist?

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Austin C asked:


I already ran adaware and spybot search and destroy. thinking about running them in safe mode. im also getting a http://www.federal-debt-relief-system.net/ popup.

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Sdawg asked:


I am looking for a loan to consolidate and pay off some debt that has killed my credit. I tried a debt relief program and all that did make my credit worse. I’ve been trying on Prosper but the state I live in doesn’t allow me to offer a high enough interest rate to get the loan funded. I’ve been looking at looking on yahoo answers at questions about people asking for loans and I see a lot of answers from people claiming to be private lenders with yahoo email adresses or have a link to websites that claim if you sign up they will find you a lender. Has anyone ever done business with some of these so called private lenders that offer loans on this site?

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barcan asked:


Has anyone used a Non profit Debt relief company? And if so what was the results?

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asimmonz asked:


I signed up with ABC Debt Relief and they told me that even though they couldn’t tell me to stop making payments, they did recommend that. I have never been late on any C.C. payments. They said that once I stop making payments, the C.C. companies will try to get me to pay throughout the next 6 months or so. But after a while, they will put me in “collections” status and are then ready to negotiate a settlement which they say I can cut down 40% of all my debt. Does this sound too good to be true? Or, am I getting douped into punishing my credit score for the next decade?

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