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Ophelia
she's baaccckkkk ;)
Member since 5/06 23378 total posts
Name:
remember, when Gulliver traveled....
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Re: Filing bankruptcy questions?
I have zero experience in this but I have to say from a purely laymna/s pov, you hwould have to be insane to think bankruptcy is your best solution.
get a part time job. something during the hours your husband is home. at a bakery, a bank, the supermarket, in porn...whatever. get a job and use that "extra" money to pay off YOUR debts.
you will still have to do that anyway to take care of your student loans. until you PAY that debt you will always have it.
9k in cc bills, if that is really the amount, is hardly worth going into bankrupcy for.
even if you stop paying them for a while and pick up again, you can more easily fix your credit than you can with a bankruptcy, which essential means "I took a banks money and spent it but didn't pay it back, and have the govt say I never have to".
your life situation is whatever it is. it is CRAZY town to me that your name is on nothing. you have no job, no assets, no money. so you are completely at the mercy of your husband.
HELL NO. get a job, for if not thing else, the self reliance it can bring.
good luck.
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Posted 2/10/12 2:38 PM  |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: Filing bankruptcy questions?
Posted by angrybird
I have been trying to find a delicate way to phrase this but I can't - someone is LYING to you. There is NO benefit to you whatsoever (financially, legally or logically) for your name not to be on the house.
- if your DH dies tomorrow, regardless of whether your name is on the house or not, you and your children (through your state's intestacy laws) will INHERIT the house. You will then have to figure out ig you will sell it etc. Meaning, you WILL have a legal and financial tie to the house.
- if your DH dies in 10 years...same thing as above, but you will have equity in the house which, upon selling the house, is $$$ that you will be able to take with you.
-if your husband dies - his vehicle, which is solely in his name and paid off - will go into the estate as an asset. You will not be able to have it until the estate is settled and creditors can claim it. YOU will be left without a car for at the very LEAST many months. The bank account - because it is not a joint account will also go into the estate. You WILL NOT be able to access any of that money until the estate is settled and the creditors have had their claims.
- if the car and accounts were in BOTH of your names, in the event of your DH's death it would not become part of the estate and it would be yours immediately.
-if your husband leaves you or you want to leave him - then you have NOTHING! No assets, no bank account, no car, no job and if you file for bankruptcy then no credit which means you probably would not even be able to get a job.
NOBODY thinks it can happen to them but it can happen to ANYBODY! Many marriages that were once happy have failed - in fact they do everyday.
I am sorry if I am being harsh but thse are the FACTS.
I agree 1000% with this. You are in a very vulnerable position if your DH was to leave you or God forbid die. Unfortunately these things happen. Life insurance payouts don't happen right away. What will you do in the meantime? I would definitely look into getting your name on some assets or make sure your DH has a will. Even then the creditors could eat his assets first. Cover your asss. We've seen marriages on here go from 0 to 60 and dissolve unexpectedly. No one is immune to this including you and your kids. Not to play Debbie Downer but unfortunately these things happen and you need to be aware of them.
I will echo what everyone else said before me and say that IMO bankruptcy is not your best option. Not to mention it is not that easy any more to declare bankruptcy.
It seems right now you and/or your DH have no other choice but to get some kind of extra income to pay off your debt. If you have truly cut back everything possible and are still not making ends meet you have an income problem that needs to be addressed. Good Luck
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| Posted 2/10/12 2:48 PM |
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HoneyBadger
YourWorstNightmare.
Member since 10/06 15979 total posts
Name:
BahBahBlackJeep
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Re: Filing bankruptcy questions?
Here's a thought. If you can't get a job because of needing to work the overnight hours and not being able to sleep or not being able to afford daycare why doesn't your husband get a second job?
This way you still stay home with the kids, he works his regular 9-5 job and then goes to a part time job at night.
I have done this myself. I worked TWO FULL TIME jobs. Worked on average 70 hours/week. It CAN be done.
But that's only if you want it bad enough.
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| Posted 2/10/12 2:51 PM |
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Peainapod
Peanuts are here!
Member since 1/09 13591 total posts
Name:
Diana
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Re: Filing bankruptcy questions?
Posted by BargainMama
I would just consult a BK attorney instead of asking people that have no idea about it. It's free.
I wouldn't even bother defending yourself on here at this point, because only YOU know your situation.
THis exactly. some of these replies are so judgemental. Until you've been in the situtation of having to file for bankruptcy like I have, well then dont judge.
Obviously we dont know all the specifics to your situation.I've sent you a FM with some info.
We tried working with creditors. They would not lower interest rates, not lower payments, no hardship programs (a lot of lenders dont even offer that anymore)..nothing. and we were never ever late on any payments and not behind. my credit score was over 750 so we had very good credit. Blew me away that no one wanted to work with me. AND U KNOW WHAT..the one time my DH called his card to lower his payment, they jacked up his minimum payment the next month. and apparently this is a common tactic b/c they now consider you a risk.
I called debt consolidation companies, and spoke to counselors. B/c we didnt have enough money coming in everymonth "disposable income" left over we were not even eligible for a consolidation program. I spoke to non profit credit agencies. I spoke with debt settlement..which is THE WORST thing you can do. worse than bankruptcy.
and i love how everyone on here is like..well get a job. As if its so easy. ITS NOT THAT EASY OR SIMPLE. I work part time, we have a son, Dh works full time, I have a side business. DH is looking for something part time for months now and there is very little out there.
Filing for bankruptcy should not be taken lightly. IT was a very painful decision DH and I had to make. But ultimately one that saved us. And after all was said and done, my credit score is still in the high 600's now and we get credit offers mailed to us every day. You will recover. Do not let anyone on here tell you that its wrong or not for you. No one knows your situation other than you and your DH.
Speak to an attorney. they will tell you what your rights and options are.
Message edited 2/10/2012 3:31:27 PM.
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| Posted 2/10/12 3:29 PM |
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HoneyBadger
YourWorstNightmare.
Member since 10/06 15979 total posts
Name:
BahBahBlackJeep
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Re: Filing bankruptcy questions?
Posted by Peainapod
Posted by BargainMama
I would just consult a BK attorney instead of asking people that have no idea about it. It's free.
I wouldn't even bother defending yourself on here at this point, because only YOU know your situation.
THis exactly. some of these replies are so judgemental. Until you've been in the situtation of having to file for bankruptcy like I have, well then dont judge.
I don't think anyone is being judgmental here; suggestions were offered, some of which included speaking to a bankruptcy attorney.
In addition, some information was shared that could actually benefit the OP with regards to major assets. That's all very valuable information that no one had to offer and it was given with the best of intent.
Will some people be snarky? Sure. But you can find that on just about any thread on this site.
I agree that finding an attorney to speak with is her best bet but I don't see anything wrong with people offering other alternatives.
To your point, everyone's situation is different and we don't know the ins and outs of hers so putting all sorts of options out there is all we can do to help.
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| Posted 2/10/12 4:05 PM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: Filing bankruptcy questions?
Posted by Peainapod
I spoke to non profit credit agencies. I spoke with debt settlement..which is THE WORST thing you can do. worse than bankruptcy.
This is not necessarily true. Yes a lot of debt consolidation companies are bad but there are also some good ones. You have to look and get references. I did debt consolidation once a long time ago and my credit was BETTER when I was done. Bankruptcy stays on your credit report for 7-10 years minimum. Also for the rest of your life if you fill out something and they asked if you ever declared bankruptcy your answer has to be yes. I'm not saying bankruptcy is bad. Sometimes it cannot be avoided and it's not the end of the world however it should be the last solution people look at after you have tried absolutely everything else. I think the people on this thread were trying to give the OP suggestions for another way out since her debt is not astronomically high and most of it wasn't even eligible to be discharged.
Message edited 2/10/2012 4:13:09 PM.
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| Posted 2/10/12 4:12 PM |
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td123
LIF Infant
Member since 3/10 294 total posts
Name:
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Re: Filing bankruptcy questions?
I just want to point out a few things.
1. credit cards are allowing you to settle your debt. However, they are more likely to di it when you are already late and already showing that you cannot pay. They dont necessarily beleive people when they call up and say they cant make the payment if they have made it up to date thus far.
2. there is definite value to you being on the house. if creditand interest rates are of a concern you dont need to be on the mortgage but you can still be on the deed. Its unfortunate that you were not put on it at the same time as your DH because that would have afforded you more protection on the home against DH's debts if something were to happen to him.
3. Some of these responses can definitely without a doubt be read as judgmental and harsh. I would give people the benefit of the doubt though bc I dont think anyone thinks bad of you here. Some people just have strong opinions and thats ok. Please dont let any of these responses get to you and make you feel any worse than you do.
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| Posted 2/10/12 4:19 PM |
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Peainapod
Peanuts are here!
Member since 1/09 13591 total posts
Name:
Diana
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Re: Filing bankruptcy questions?
Posted by jacquig
Posted by Peainapod
I spoke to non profit credit agencies. I spoke with debt settlement..which is THE WORST thing you can do. worse than bankruptcy.
This is not necessarily true. Yes a lot of debt consolidation companies are bad but there are also some good ones. You have to look and get references. I did debt consolidation once a long time ago and my credit was BETTER when I was done. Bankruptcy stays on your credit report for 7-10 years minimum. Also for the rest of your life if you fill out something and they asked if you ever declared bankruptcy your answer has to be yes. I'm not saying bankruptcy is bad. Sometimes it cannot be avoided and it's not the end of the world however it should be the last solution people look at after you have tried absolutely everything else. I think the people on this thread were trying to give the OP suggestions for another way out since her debt is not astronomically high and most of it wasn't even eligible to be discharged.
i said DEBT SETTLEMENT is the worst..Consolidation would have been my ideal way to go, but we were not eligible.
Debt settlement does nothing but have you not pay your bills until you accrue enough money in an esccrow account..which can easily take 6mo-over a year depending on how much debt. So in that time, you've defaulted, have creditors calling day and nite to harrass you, bills dont get paid, interest accrues and your credit is sh**. Whereas with bankruptcy, you get a legal stay on your account, and they cannot legally harrras you or try to collect.
and then you are screwed tax wise b/c the difference of what was settled you will get a 1099 for and have a tax liability on that money.
I agree though..with the amount of $$ she is talking about, there are better ways. But if there is no $$ extra at the end of the month, they might not even be able to do debt consolidation.
Message edited 2/10/2012 4:23:23 PM.
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| Posted 2/10/12 4:21 PM |
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juanvi
Get Out!
Member since 10/06 4463 total posts
Name:
Christina
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Re: Filing bankruptcy questions?
Posted by cncforever
Not an expert, but won't your dh be affected if you file for bankruptcy? what does he think?
He wouldn't be affected it's her debt. I'm sorry you're going rough this but I hope you can get through this without bankruptcy. Can you get into crafts and sell something on etsy? What is your degree in? Education? There is a teacher websit that you can sell lesson plans for 99 cents a piece. I forgot the name tho. Maybe someone else remembers? Good luck 
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| Posted 2/10/12 4:25 PM |
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td123
LIF Infant
Member since 3/10 294 total posts
Name:
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Re: Filing bankruptcy questions?
[
and then you are screwed tax wise b/c the difference of what was settled you will get a 1099 for and have a tax liability on that money.
Just wanted to comment on this that there is an exception in the tax code that if you are insolvent, the debt forgiveness (1099C Form) is not taxable. You need to prove that your liabilities exceed your assets to use this.
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| Posted 2/10/12 4:26 PM |
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Ophelia
she's baaccckkkk ;)
Member since 5/06 23378 total posts
Name:
remember, when Gulliver traveled....
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Re: Filing bankruptcy questions?
Posted by jacquig
I'm not saying bankruptcy is bad. Sometimes it cannot be avoided and it's not the end of the world however it should be the last solution people look at after you have tried absolutely everything else. I think the people on this thread were trying to give the OP suggestions for another way out since her debt is not astronomically high and most of it wasn't even eligible to be discharged.
exactly. bankruptcy exists and has a very valid and valuable role in society. my answer was directed solely to the OP and soley based on the information provided in this thread.
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| Posted 2/10/12 4:26 PM |
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Re: Filing bankruptcy questions?
Posted by Jennie0898
Posted by Peainapod
Posted by BargainMama
I would just consult a BK attorney instead of asking people that have no idea about it. It's free.
I wouldn't even bother defending yourself on here at this point, because only YOU know your situation.
THis exactly. some of these replies are so judgemental. Until you've been in the situtation of having to file for bankruptcy like I have, well then dont judge.
I don't think anyone is being judgmental here; suggestions were offered, some of which included speaking to a bankruptcy attorney.
In addition, some information was shared that could actually benefit the OP with regards to major assets. That's all very valuable information that no one had to offer and it was given with the best of intent.
Will some people be snarky? Sure. But you can find that on just about any thread on this site.
I agree that finding an attorney to speak with is her best bet but I don't see anything wrong with people offering other alternatives.
To your point, everyone's situation is different and we don't know the ins and outs of hers so putting all sorts of options out there is all we can do to help.
I was one of the people who suggested getting a job. I get that it is not easy to do that during the week. And even P/T McJobs are hard to come by.
Bottom line though, posters shouldn't be raked over the coals either for trying to be helpful. I didn't see anyone who was truly out of line, and no, we will never know the whole story either.
However, I don't think the OP ever responded about why she couldn't do something on the weekends, or off the books like baby-sitting. (Note: not that she even has to respond but it is still good advice IMO to take this info into consideration.)
I would imagine there is a need for baby-sitting in EVERY area of the country so I don't necessarily buy the idea that there's "no jobs".
Obviously though money hits a nerve with a lot of people, so like I said back thread too----if you don't want to be judged, don't lay it out there on LIF then get mad ;).
I think posters WILL judge you when you take on this kind of defensive attitude. JMO.
Message edited 2/10/2012 4:39:59 PM.
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| Posted 2/10/12 4:28 PM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: Filing bankruptcy questions?
Posted by Peainapod
Posted by jacquig
Posted by Peainapod
I spoke to non profit credit agencies. I spoke with debt settlement..which is THE WORST thing you can do. worse than bankruptcy.
This is not necessarily true. Yes a lot of debt consolidation companies are bad but there are also some good ones. You have to look and get references. I did debt consolidation once a long time ago and my credit was BETTER when I was done. Bankruptcy stays on your credit report for 7-10 years minimum. Also for the rest of your life if you fill out something and they asked if you ever declared bankruptcy your answer has to be yes. I'm not saying bankruptcy is bad. Sometimes it cannot be avoided and it's not the end of the world however it should be the last solution people look at after you have tried absolutely everything else. I think the people on this thread were trying to give the OP suggestions for another way out since her debt is not astronomically high and most of it wasn't even eligible to be discharged.
i said DEBT SETTLEMENT is the worst..Consolidation would have been my ideal way to go, but we were not eligible.
Debt settlement does nothing but have you not pay your bills until you accrue enough money in an esccrow account..which can easily take 6mo-over a year depending on how much debt. So in that time, you've defaulted, have creditors calling day and nite to harrass you, bills dont get paid, interest accrues and your credit is sh**. Whereas with bankruptcy, you get a legal stay on your account, and they cannot legally harrras you or try to collect.
and then you are screwed tax wise b/c the difference of what was settled you will get a 1099 for and have a tax liability on that money.
I agree though..with the amount of $$ she is talking about, there are better ways. But if there is no $$ extra at the end of the month, they might not even be able to do debt consolidation.
I misread your post...thought you said debt consolidators were bad.
Yes debt settlement is bad and you do have to 1099 the balance which sucks
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| Posted 2/10/12 4:39 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Filing bankruptcy questions?
Just a question.
Who is paying for the credit cards now? Your husband?
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| Posted 2/10/12 4:54 PM |
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tara73
carseat nerd
Member since 11/09 3669 total posts
Name:
Buttercup
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Re: Filing bankruptcy questions?
Posted by Peainapod
We tried working with creditors. They would not lower interest rates, not lower payments, no hardship programs (a lot of lenders dont even offer that anymore)..nothing. and we were never ever late on any payments and not behind. my credit score was over 750 so we had very good credit. Blew me away that no one wanted to work with me. AND U KNOW WHAT..the one time my DH called his card to lower his payment, they jacked up his minimum payment the next month. and apparently this is a common tactic b/c they now consider you a risk.
I had a similar experience to you, my problems occurred in 2006. I was basically ridiculed by cc companies.
I recently helped a friend through some tough times and OMG what a change in the industry. Where I got basically laughed at asking for hardship programs, they were all over my friend. The SAME companies who refused to work with me worked with her. Offers to lower interest rates, hardship programs etc. There was no raising of interest rates etc.
Totally different atmosphere out there today than there was even 3 years ago.
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| Posted 2/10/12 5:21 PM |
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Re: Filing bankruptcy questions?
If your DH has great credit...could he take a personal bank loan for 9000 and pay off your credit cards...the interest on the personal loan should be way less then on all the credit cards...and the one monthly payment will be easier to manage than all the credit card payments...i know it doesn't help with the loan payments...but maybe there is something sallie Mae can do for you...
I know it's never a good idea to borrow from Peter to pay Paul...but maybe this is a better option than bankruptcy..
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| Posted 2/10/12 8:26 PM |
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Re: Filing bankruptcy questions?
I don't really have any advice to offer, but I want to offer
You are in a rough spot. Being home all day with three kids is not easy. Feeling like you have no way out is even worse.
I hope that you figure it all out soon.
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| Posted 2/10/12 9:21 PM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: Filing bankruptcy questions?
Posted by jacquig
Posted by Peainapod
Posted by jacquig
Posted by Peainapod
I spoke to non profit credit agencies. I spoke with debt settlement..which is THE WORST thing you can do. worse than bankruptcy.
This is not necessarily true. Yes a lot of debt consolidation companies are bad but there are also some good ones. You have to look and get references. I did debt consolidation once a long time ago and my credit was BETTER when I was done. Bankruptcy stays on your credit report for 7-10 years minimum. Also for the rest of your life if you fill out something and they asked if you ever declared bankruptcy your answer has to be yes. I'm not saying bankruptcy is bad. Sometimes it cannot be avoided and it's not the end of the world however it should be the last solution people look at after you have tried absolutely everything else. I think the people on this thread were trying to give the OP suggestions for another way out since her debt is not astronomically high and most of it wasn't even eligible to be discharged.
i said DEBT SETTLEMENT is the worst..Consolidation would have been my ideal way to go, but we were not eligible.
Debt settlement does nothing but have you not pay your bills until you accrue enough money in an esccrow account..which can easily take 6mo-over a year depending on how much debt. So in that time, you've defaulted, have creditors calling day and nite to harrass you, bills dont get paid, interest accrues and your credit is sh**. Whereas with bankruptcy, you get a legal stay on your account, and they cannot legally harrras you or try to collect.
and then you are screwed tax wise b/c the difference of what was settled you will get a 1099 for and have a tax liability on that money.
I agree though..with the amount of $$ she is talking about, there are better ways. But if there is no $$ extra at the end of the month, they might not even be able to do debt consolidation.
I misread your post...thought you said debt consolidators were bad.
Yes debt settlement is bad and you do have to 1099 the balance which sucks
I am half way thru debt settlement- and I didn't get 1 1099 this year
it took 3 months for them to start settling my debt- and we have 6 of 12 cards settled in less then 10 months
I settled 1 on my own that I forgot about- for 30 cents on the dollar I might add
and in 2 years my credit will be back to perfect-
(I still pay my car on time every month-- so having an open trade line like that helps a bit - but I also repoed my late husbands car- which is why I went this route- and I am repaying that at 50 cents on the dollar- no interest)
I was behind when I entered into - and I pay less to them then I needed to pay even on hardship programs- I had a pretty legit hardship- (widow at 31)
most people can't make the payments to the debt settlement company- mine is pretty high- but I chose a very short repayment time frame- 18 months-
everything is relative- $9K in debt to me would be paid off in full in a few months- I put 10 times that into the program- so it was worth it to me
but if you don't have $1- $9K might as well be $90K or $900K
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| Posted 2/10/12 10:22 PM |
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Peainapod
Peanuts are here!
Member since 1/09 13591 total posts
Name:
Diana
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Re: Filing bankruptcy questions?
@ Beth..
glad to see it worked out for you. Everyone I spoke with..counselors, attorneys,credit agencies, begged me to steer clear of settlement agencies. I spoke with one and I didnt get a good feeling as they were really high pressured sales. I think our monthly payment would have been $550 ish and it was way longer than 18months..maybe 4 years? I dont remember. We were already paying over $600 a month to creditors and not able to swing it so that montly payment wasnt going to help us.
I always like reading your posts on money b/c you had so much info on what you were doing. Im glad this route is working for you. Its not for everyone but does work for some.
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| Posted 2/10/12 10:28 PM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: Filing bankruptcy questions?
I am using a law firm- and the laws have changed alot over the last couple of years- my payment is HUGE- $2100 a month and most people aren't able to manage that- I get it- I am saving money at this number- at one point AMEX was requiring me to pay them $2500 and I almost made it till the end- I wish I had settled it sooner- I could have been out of debt - if I did it sooner- but I wanted to "do the right thing" but that wasn't the right thing for me honestly
I know it's not for everyone- I didn't want to file for BK- I went thru a rough time- then as it was getting better- I was building my business- so while I was waiting for the money to catch up with my work- I stopped paying my cards
then things changed quickly for me- but the damage to my credit was done- (really the car repo killed it) and I saw no point in killing myself to repay over $100K in debt with the car- I did pay $60k before this- nearly killing myself and not getting any where quick
realistically- I will be debt free in Nov of this year- if not sooner- that's if I stick to the program and don't make extra payments- I have 1 large card left I want to try to lump sum sooner rather then her waiting 5 months to have be save up at the end
my point is- do what's best for you- just do your research, talk to professionals and sometimes you have to take a step back to take a bigger step forward
Message edited 2/10/2012 10:41:59 PM.
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| Posted 2/10/12 10:41 PM |
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mom2b
LIF Adult
Member since 5/09 1072 total posts
Name:
x
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Re: Filing bankruptcy questions?
My mother lives in a small town that depends soley on tourists in the summer to bring money into it. People are like hawks when it comes to work because there is so little available so I understand your position.
I recently owed $10k on a CC and the interest rate was 16% I was able to go into a hardship program thru them but my card will be closed out when i'm done. They lowered the interest rate to 4.5% though. With that savings I was able to add more money towards a higher interest card.
like many hav said I don't think BK Is the best option because if u don't have $ now where are u going to get the $2k to get through the process? I would put
That money towards the CC instead. its difficult but hang in there. I owed $30k in CC and am down to $5k which will b paid off when tax return comes in. it's taken me 6 years to get here Because of financial difficulties as well. Good luck
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| Posted 2/11/12 8:30 AM |
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PhyllisNJoe
My Box Is Broken
Member since 6/11 9145 total posts
Name:
Phyllis
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Re: Filing bankruptcy questions?
you have FM
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| Posted 2/11/12 9:37 AM |
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Re: Filing bankruptcy questions?
Since your hubby has good credit, why don't you ask him to open a card and transfer the balance over at a lower rate? You can cards at 0% interest for a year with good credit.
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| Posted 2/11/12 10:30 AM |
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Bebalina
<3
Member since 6/05 2922 total posts
Name:
N
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Re: Filing bankruptcy questions?
I would suggest settling the debt. For 9k debt you can settle it for the same total as what an attorney will charge you for filing chapter 7. Just a thought.
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| Posted 2/11/12 11:49 AM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: Filing bankruptcy questions?
Posted by Peainapod
@ Beth..
glad to see it worked out for you. Everyone I spoke with..counselors, attorneys,credit agencies, begged me to steer clear of settlement agencies. I spoke with one and I didnt get a good feeling as they were really high pressured sales. I think our monthly payment would have been $550 ish and it was way longer than 18months..maybe 4 years? I dont remember. We were already paying over $600 a month to creditors and not able to swing it so that montly payment wasnt going to help us.
I always like reading your posts on money b/c you had so much info on what you were doing. Im glad this route is working for you. Its not for everyone but does work for some.
Some things I think are important if you do settle your debt is that you should absolutely try to settle through the original creditor holding the debt ex. Amex chase etc. do not settle with collection agencies. By the time your debt ends up with a collection agency the original credito has written off the debt and most likely sold it to the collection agency for pennies on the dollar. Never ever pay a collection agency without validating the debt through a letter sent certified mail. Also sometimes if you call the original creditor they can pull the debt back and settle with you directly. Some of them will even extend credit to you afte you are done with the payments. A lot of times a simple asking will get you progress. If they say no call back and speak to someone else. Keep trying don't give up. Creditboards.com is a great website for this
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| Posted 2/11/12 12:51 PM |
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