jimandciara asked:


I posted a question regarding collections calling about a debt that had been charged off from Chase. The company calling is Client Services Inc. States that they didn’t buy the debt from Chase they’re collecting for them period.
I researched debt consolidation companies, and called friends who have dealt with this, and CareOne Credit Counsel was ultimately choosen. They were very kind and professional. At the end of the counsel session, going over our budget etc…we set everything up, and they gave me a number for collections to call if they called again.
Ofcourse they called, I told the collector what we had done and that CareOne would be paying the original creditor. That we wanted to pay this off and this was the only way we could. They stated they wouldn’t work with them, no way, and we had to pay this off now, or face legal action.
They say they work for Chase, they have the charge off turned over to them. Not bought but turned over. I don’t know who to believe here. The careone credit solutions who states they do this all the time and gave me proof, or the collections people who say, they gave me a settlement, but never gave me anything in writing and even now don’t want to since I said we don’t have the money right now.
What do I do here??? This is our only ding on our credit. We are military and on a SLIM budget. I just wonder if someone out there has dealt with a situation like this? What to do, who to believe???

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jomedeiros asked:


I got behind on my payments with Capitol One. They raised my interest rate to 29%. I am now up to date with payments and have been for about 5 months. Has anyone had any luck calling them and getting them to lower their interest rates?

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stephanie asked:


I have looked and read all kinds of diffrent stuff. On debt reduction, debt consolidation,debt settlement. I know that I don’t want to file bankruptcy!! Im about 8,000 in debt with-all mostly being hospital bills. I am a mother who makes about 17,000 a year, and it takes about that much to survive. So Im trying to figure out a way to get out of debt, be able to afford the payment and it not hurt my credit score. Please anyone with experience -Help!!!!

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Matthew D asked:


i have bad credit and need a credit card

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dannyxbox360frenzy asked:


i got into debt by just not being smart at all………………in high school i got a credit card and shockingly the bill is only $800-$900 and my debit account is a little under a thousand……but with my credit card i only spent no more than 90 something dollars and the other amount left on the card my brother spent it without me knowing until i check my bill online……and the atm……i didn’t know that i had an overdue balance that was just steady rising but i think something is wrong with that account so i have to check that in a few hours when i go to the store in the morning……………any solutions????

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Madison Lynn asked:


Okay im looking for a credit card that has the lowest interest rate possible and absolutely no annual fees. What credit card company would have that?

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jomedeiros asked:


If I have a balance on my credit cards (They are only in my name) and I were to die would my family have to pay off the balance? Would the credit card company try to get their money from my insurance money that I leave to my son or from my savings account that has my sons as the beneficiaries?
I live in California

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??? asked:


I have three credit cards altogether. One I’m keeping but the other two is just a pain. These two credit cards I’ve had since 1992. I’ve been paying regularly (more than the minimum) each month but still have a large balance. Unfortunately, I maxed it out while in college. Now older and wiser, I don’t use credit cards anymore. My questions - Do you think it’s wise to transfer the balance of the two credit cards to a newly opened credit card? What about closing both cards by obtaining a low-interest loan? How will this affect my credit score? Thanks!

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MKN asked:


I have several thousand dollars balance on my credit card. All of it is under the terms of a “1.99% rate for the lifetime of the balance”.

Since the rate is so low, I’ve been carrying this balance for a couple years, and I don’t want to pay it off anytime soon. I have the money to pay the entire balance, but even my savings account pays a higher rate!

However, I recently received a letter stating that my interest rate is going up. I’ve been told that I might have some options available to keep my old rate, although I’m not completely clear on what they are.

So, is there a way to maintain my low “lifetime” 1.99% rate on the current balance?

Thanks!
Well, a couple people told me that I have an option that goes something like this:

Send a letter to the credit card company “opting-out” of their changes. Then, the old interest rate would continue to apply to my current balance. I would no longer be able to use the card (I haven’t used the card in years anyway, and I don’t intend to).

So, does this sound familiar to anyone?

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Pat asked:


I am looking for a personal or auto loan and all the sites seem like scams and just keep making me fill out more applications and spaming my email.Has anyone every recieved a online loan and if so from what site.I would like to know a legit loan site they will gove me a loan and not just make me fill out hundreds of applications

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