Where can I find a furniture store in Seattle that I can make payments on a new couch if I have bad credit?
Answers: You probably can. However, beware, these places that work with people with bad credit have lousy credit terms. I would not recommend using credit to buy a couch anyway. Credit should be used for something a little more constructive. House, car maybe, education, investment, but not for buying a couch.
Also, avoid rent-to-own places. You get extremely ripped off doing business with those places. Here is an article that does a bit of cost comparison.
http://www.bankrate.com/brm/news/pf/2002...
If you consider them, take the payment amount and multiply it by the number of payments. Take that number and see what it would cost to buy the product brand new. A lot of rent-to-own places will make double, triple, or even quadruple what it would cost you to purchase it yourself.
You can live without a couch. There is no law of man or nature that says that you have to have a couch. You do not need to buy one. If your credit is poor and you have no money then it is probably in your best interest if you do not buy a couch right now. The layaway idea from my esteemed collegue is a pretty good idea. You slowly pay for the couch over time but you do not get it until it is payed for. That protects the business from you not paying up on the debt. If you stopped payments then they still have the couch. Another idea is to spend a few months saving what you were willing to put towards a couch payment and then go and find a nice, decent used couch. Check the papers. There are usually people trying to sell off couches and other furniture in there.
We are trying to help you. If you have no money then going into debt is a bad idea. It is an even worse idea to go into debt for a couch. It is even a worse idea to go into frivilous debt with the economy the way it is right now. I would recommend that you take those couch payments and save them. Start to pay off any existing debt as well.
Don't buy on credit. Purchase via "layaway."
Credit Card Account Question(s)?
I have two Credit Card accounts which I can not recompense at this time for personal reasons. I sent a memorandum of request that they close my accounts and send final be a foil for to my address so i want have to hold on to up with slow fee's and finacial charges.Question Will a Credit Card Company allow my to close with generous balances?? I really hold no use for the card accounts. Once they are paid surrounded by full!!
Answers: Yes, a CC company will close your account anytime at your request. However, this does not denote this dismisses your obligations to the payments. Closing the narrative doesn't mean that you'll know how to skip payments either, including this or subsequent months cycle.
You might be able to contact them, though, plead your bag and in plentiful instance their will either allow you to skip a fee, but only beside their consent, or pay a lower minimum for the subsequent cycle or two.
Good luck. And your not the only one surrounded by deep credit card, or any other caring of debt.
It probably depends on the company.
Does this protect me? I am trying to avoid repossession?
My car reward was 2 months losing. I was advise that the finance company be going to reposses the vehicle but they have on the other hand to pick it up. I now own the money to pay days gone by due balance plus the fee that will be do in February. Since this is $1345 I looked-for to have some sort of protection so I requested something within writing from the finance company stating that the repossession will be removed from my credit (if they have put it on there already) and that I can hold on to the car and verbs making payments. This is what they sent me:Please be advised unreciept of pocket money done via western union collection movement ends.
My question is, does this protect me?
FYI, I call the guy and asked him why he couldn't mention repossession in the email and he give me the runaround saying this is adjectives I need and once I be current they couldn't repossess the vehicle anyway. I am assuming this is because they haven't actually put the repossession on my credit.
Answers: He did not mention repossession because the process have not started yet. Most most important lenders will not start repossession proceedings until people own missed 3 payments.
The only article that will show on your credit is the two late payments.
if they havent come for the vechicle they havent repoed it. however they hold destroyed your credit and marked u 1 x 30 and 1x60 behind, and may have annotated the credit as repo surrounded by process, nothing u can do or say aloud will undo this, best point is just to create the payment b4 they come for the saloon, if u r not going to hand deliver the gift and that is your best course of performance and get a delivery for it, send it certified return reciept requested, keep hold of copies of everything, and if u r smart until u get proof that they hold received and cashed the check make the saloon disappear, u r at the point where they can hold the money u send and the coup¨¦ if they really want it so dont be surprised if u dont act perceptively if u pay them and they appropriate the car. gl