Do I stay current on my home mortgage or unsecured credit cards?
I recently got laid off from a second job. I used this to keep current on my unsecured debt(Over 50k) we had a rough couple of years with medical and household expenditures. Between my wife and I through our primary jobs we can keep current on our home loan and keep the household budget going along. I just won’t be able to make all the current payments on my debt. I guess my question is since the cards are unsecured should I concentrate on keeping my home loan current at the expense of my FICO scores?
No brainer. Keep paying on the secured debt and forget the rest…for now. Secured debt would include anything that the creditors can come and take back if you stop paying; your HOME, your CAR(s).
Now might be a good time to speak with an attorney for a free consultation. I got in the same situation and fought with it for several years before I finally had to file a chapter 13 bankruptcy.
Since then, we have had a much easier time getting by, and our credit was shot by then anyhow since I also couldn’t pay the credit cards regularly.
I’m not saying that’s the only way out, but the first consultation is free (you just have to swallow your pride) and they will let you know if you qualify for bankruptcy or if you would be better off trying some debt consolidation, etc.
Call and make an appointment and ask them what you need to bring with you. At least after the appointment, you’ll be able to put everything in perspective.
can anybody tell me where i can apply for a creditcard my credit rating is not good…. so please can anybody?
Just look up "secured credit card" and you can find a list of cards that you can get with a down payment. The credit card company has no idea that it is unsecured, they only know that you make your payments on time.(Make your payments on time). This will raise your credit score, and at anytime while you have the card, you can "cash out" of the card by canceling it.
How old do you have to be to get a Game Reward Card in Store?
How old do you have to be to get a Game Reward Card in Store?
Answerer above is defunct. To get a GAME reward card, you have to be 15 or over.
Balance transfer credit card with bad credit?
I have a pretty poor credit score, probably around 500. I currently have about $4,500-$5,000 of credit card debt with high interest rates around 28%. Is there any type of credit card I could do a balance transfer to from these four cards into one that has a lower interest rate? Any help would be appreciated. Thanks.
Maybe, it depends on how good or bad your credit score is. If you’ve not been late or missed any payments, there’s a decent chance you can get a balance transfer deal at a much lover interest rate than you cite here. But a word of caution, you seem to be getting in too deep on your credit, perhaps credit counseling would be a wise step for you. It’s not preachy at all, just helpful. Run "Credit Counseling" through a search engine and find one that sounds good for you. But do not pay for such help, it should be free.
Showell Blades Bankruptcy Seminar
South Carolina Bankruptcy Attorney Showell Blades leads a 90-minute seminar on Chapter 7, Chapter 11, and Chapter 13 bankruptcy trends and procedures.
Duration : 1:33:36