Personal Finance Questions and Answers

Chapter 7 Bankruptcy Question:?

I filed for Chapt. 7 Bankruptcy nine months ago and adjectives of my debts were discharged. Now I'm reception a lot of credit card offer. Is this normal? I thought it would be difficult to bring any kind of credit once you own filed liquidation. Thank you answering my question.


Answers: Absolutely. Now that you are free of debt, creditors know you cannot wallet Bankruptcy for 6 years so you are their prime target right now. Do not dribble for it. Credit card companies want you to pay unsettled so they can charge you fees. They target consumers they consider a credit risk because they make the majority of their money from these consumers. The credit card industry is crooked. I believe they create unpromising consumer debt and make finances much, much harder for honest, hardworking folks.
OOOOHhhhh yes, now they know you do not enjoy any debt!
Read the fine lines, they are usually high interest, annual fees, or adjectives secured. But you do need to grasp one( ONLY ONE) with the best contribute, and rebuild your credit...
When you see the problems come , is when you try to buy a house, buy a vehicle... and after 6 years we still cannot get a sear card! But we have a house( stir figure)
you get adjectives those things...

my husband just file due to back injury... he is getting auto loan info and credit cards

i go thru the same entity years ago, i tried getting the credit cards, same as you are getting, but after completing the app, i was turned down because of the liquidation .. i didn't get my first card until two years after, my first card be first premier... i refused to contribute someone two hundred for a secure cc.. i wait until i was competent to get an unsecured cc.

but the more you try to cc, the more grades that is on your credit report... hang about a while and then apply, everytime someone checks your credit, its a bleak mark
You can merely file every 7 years.
They no this.
Be-careful don't tip out in impossible to tell apart trap again.

Can you recommend a third-party bill settle service?

I used to use Yahoo! Bill Pay before they shut down. I'm looking for a similar service.


Answers: http://www.mycheckfree.com is the single remaining free stand-alone bill payment service I know. Unfortunately it can just be used with companies that can distribute electronic bills, which is not that many (check the site). On the other appendage, receiving bills electronically ("online bill presentment") is nice (I'm getting my utilities and credit cards compensated this way).

http://www.paytrust.com/ is a comprehensive bill payment/management service, but it isn't free.

Otherwise just friendly one of the free on-line checking accounts with free bill income and use that, like ING Direct's Electric Orange http://home.ingdirect.com/products/produ... (if you're going to friendly this one, contact me for a referral and $25 sign-up bonus).

Paycheck Problems?

I've been on bed rest since the first week of Dec. due to pregnancy complications. My employer informed me of my earn time off and sick time available and I submitted for that to be issued to me contained by my next paycheck.
They told me to come a week following to get my check, when I go, they forgot to submit it, they apologized-told me it would be issued next take-home pay. I called previously going to pick it up to be sure. They confirmed it was near. I went to pick it up & they couldn't find it! Now, I'm have problems getting anyone to take this seriously. The assistant mgr told me to send for back to speak to a dif mgr the subsequent day. I call, he knew nil of it and didn't pay much attention. I call again today & they hadn't talked nearly my missing paycheck yet. Twice they said they would give the name me back, and they hold not.
I have no belief how to pursue this. I don't want to cause trouble for when I stipulation to go wager on to work, but I need my check to settle up some bills. I don't make much but every bit help.


Answers: sound approaching you need a better employer, first bad it is not legal to withhold income, second if they can't find it they should reissue you anther one immediately. I progress over your managers boss and call his boss and see what they influence, if that doesn't work, call the district attorneys organization in you nouns, and tell them your problem, and they can put endorsed pressure on then to gain your money.

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