Wednesday, May 26, 2010

How are you paying for Christmas?

Will it be an all cash Christmas? Loan? Credit Cards?



How are you paying for Christmas?

I plan on tricking out my wife and I will continue to sell crack!!!!



How are you paying for Christmas?

i think cridit cards will be better better



How are you paying for Christmas?

Cash



How are you paying for Christmas?

Just spend what you can spend not to boom in the stuff...



How are you paying for Christmas?

We always pay cash for everything!



How are you paying for Christmas?

All cash that way i'm not going to be in debt paying off credit cards or a loan in the next year.



How are you paying for Christmas?

Cash cash cash cash and did I mention cash



How are you paying for Christmas?

I don't know yet....



Packer Smacker huh? GO GREEN BAY!



How are you paying for Christmas?

Cash..I doubt I will do credit cards this year.



How are you paying for Christmas?

My husband and I are planning on having an all cash Christmas for the first time in our marriage(6 years).



Trust me it sucks to go into debt over Christmas. We did this our 1st Christmas, and it took 4 years to pay for it. Cash is the way to go.

Does anyone out there know what a person can do if they need some quick cash?

My husband are in a bad financial bind right now and need to borrow some money but, we have filed bankruptcy and have not been able to find anyone that will help us. I know there is someone out there that knows what I am talking about! If anyone can help me solve this problem please give me something. If we try to go through payday loans they say we are overdrawn at the bank and will not do it. Why do you try to borrow money? Because you need it not just for thr hell of it. If you have any answers for me please let me know.



Does anyone out there know what a person can do if they need some quick cash?

Earn it. Instead of getting yourself further into debt. Try having a yard sale. You would be surprised at all the junk people buy out there. I had a few things to get rid of last summer, so I set up a small yard sale of basically junk. Nothing of real value. I made $400!! Or, if you don't want to put things out for a yard sale, list it on ebay. Listing fees are cheap, and since people are competing for your things, you usually end up getting more for things than you would expect. I've been selling some used clothing, I make about $150/week. Not bad when you think about it.



Does anyone out there know what a person can do if they need some quick cash?

I know it's not much, but you both could try donating blood plasma, assuming you are healthy. You can do it up to 3 times a week, takes about 1 hour each time, and you can make somewhere around $25 each session. It adds up.



Does anyone out there know what a person can do if they need some quick cash?

try check n go online, they didnt say anything about us being over drawn,



Does anyone out there know what a person can do if they need some quick cash?

Hello,



Sorry to here about your troubles.



1.Prosper.com



Next check out these sites for creit cards they will approve almost anyone. Small amounts but it might help. These can be expensive but cheaper than Payday loans.



Tribute Card will give you a $300.00 line of credit but will charge $150.00 on the card before you get it for fees. I would suggest as soon as you get the card do not charge on it but activate it. Cut the card up and make the minumum payments on the card so you can get your %26quot;Pays as agreed%26quot; status but not dig yourself into debt.



First premeir will give you $200.00 and charge 150.00 to your card and also might ask for a 29.00 process fee.



Orchard bank is a good card. they will usually give you $300.00 line and will charge you 49.00 annual fee. You will have to send a 49.00 dollar fee to them to get the card. Wait for there letter first.



Good Luck



Does anyone out there know what a person can do if they need some quick cash?

I'm going to sound like a parent, but if you just filed bankruptcy, why do you need to borrow money? The reality is that if you just filed bankruptcy, the payday loan companies should be lining up to get to you, so they can pile the debt back on. They love customers like you. You should tell them that you just filed B/K. That will work in your favor.



For the record, when you say %26quot;have not been able to find anyone that will help us.%26quot; It sounds like the US government with the assistance of a bankruptcy attorney just helped you. You have to stop the bleeding and figure out what you and your husband are doing wrong. If it's a hospital bill that induces the BK, I apologize, but if it's not, you have to pull it together. You need credit counseling. Suze Orman recommends this organization: http://www.debtadvice.org/takethefirstst...



I run a payday loan software company, so I see a lot of these stories first hand: http://introxl.com/



Does anyone out there know what a person can do if they need some quick cash?

There is a reality in all of this, you got into debt the first time and were way over your head to the point you seen the only way out was to file bankruptcy. Truth : you could have avoided this entirely by doing a consolidation loan, or securing the services of a credit councilor.



In any event, you did what you seen as the only way out. Here we are now XX months down the road and you search long and hard to find another source of money that you do not have, that you can spend....and this was the payday notes until they piled up to the point of being over your head again. Now you, once again, are trying to find a way out.



There really is only one answer to this, the one you won't like most likely. One, you'll have to close your checking account and open a new one( one the payday's don't have). Two : you will have to pay the payday's something but it won't be the full amount because of the circumstances, and you will not be able to get any more from them. After all, this should stop anyhow. I mean, if you were able to pay this out weekly then surely you could have done the consolidation loan before..right?



You really should look into ways of cutting your expences, and not borrowing money you do not have. You should not have access to credit cards, loans, or any of that. On the other hand, if only one of you work it might be a nice time for the other one to get to work and help pay some of this off, even if they can only get a part time job its at least a help.



I will assure you though, borrowing money to pay back money you had borrowed is not the answer to this. Furthermore, you have to realize every time you borrow money you are doing two things. You are spending money you do not have. Also, you are spending more than you are gettng. For this very reason you must stop borrowing and work together to pay it back and not return to this place.



I really feel sorry for you but in these situations there is no overnite solution, and you and your's have to work together to solve this - you can do it if you work together and remain focused and determined.



Granted the companies may not like to hear what you have to tell them, but C'est la vie !!

Help me with the neighbours!?

We used to have such nice relationship, almost non-existent, hi to each other on the stairs, and once they helped me when at 2 a.m. my pipe broke up; and I loaned her some cash when I met her in a local convenience shop, she didn't have enough to buy something. Now they started fighting with each other, and throwing chairs at each other and at my wall! It goes for almost a month now, thrice or more a week! I do not want to bang the wall, or to say anything, because then they will be embarrassed, or maybe would want me to take sides, or something. I thought I'd endure it some, but it's getting intolerable. Is there a way to hint to them that their chair throwing bothers me, but without actually hinting, saying or implicating nothing, so that they figure out for themselves? I put music really loudly, but I am getting tired of it, I want quiet, plus the wall shakes!



Help me with the neighbours!?

If it's after 11pm call the police and lodge a noise complaint and ask for anonymity so the neighbors don't find out and shoot you...



Help me with the neighbours!?

start a nudist colony in your backyard!

Can someone lend me a tenner?

I'm in need of some cash to pay a loan shark who is threatening to take away all the fourty six children from the orphanage I run and then break me Ivan Drago style. This man is serious because if he's like this over a tenner imagine if i owed 鎷?0. Oh, ive even offered him adult relations and he's having none of it.



Can someone lend me a tenner?

You've touched my heart. Which relations did you offer him, parents, uncles and aunts....?



Can someone lend me a tenner?

Sure thing, but I'll expect adult relations for it



Can someone lend me a tenner?

Sure, I've sent it in the post.



Can someone lend me a tenner?

I dont believe a word of that.



How can you only owe the loan shark a tenner instead he will take 46 kids?



The 46 kids are worth millions.



Is your own body worth only a tenner?



Can someone lend me a tenner?

Yeah sure! send me 鎷?0 and I will send your tenner first class heh ;)

If a check cashing place loans u money take ur check leaves location doesnt tell u where they are wh

do i leave money in just in case 6 mo. later its been a month they sent no post card stating where to go pay before they take it out my acct.



If a check cashing place loans u money take ur check leaves location doesnt tell u where they are what to do?

Sounds like a scam. Put a STOP PAYMENT on the check before they withdraw any money.



If it is legit, they can let you know where they are before they get your money.



If a check cashing place loans u money take ur check leaves location doesnt tell u where they are what to do?

Use the Yellow Book to find another branch location and give them a call. You could also try information (411). You are still obligated to keep that money available in your bank account.



Another possibility (but it may cost you) is canceling the check after a few months. However, you are still responsible for paying off that payday loan. If the check is cancelled, you can bet there will be fees to pay.



If a check cashing place loans u money take ur check leaves location doesnt tell u where they are what to do?

if you have called the number of the original number prior to the company leaving , then i would see if they leave a forwarding new number or if not i would call the post office to see if they have left a forwarding address.if nothing else i would call the better business bureau to see if they are legitimate.

Why is he hiding around after calling me all week?

My husband and I are separated but trying to %26quot;work%26quot; things out. He came and spoke to my parents told them and me that he is going to change, that he is going to work extra hard to bring all our bills back on track etc..He messed things up in the 1st place when he started withdrawing money without thinking that bills needed to be paid for,now our car insurance and car note along with other bills are past due,of course along with other bills...my husband called me throughout this whole week he was very loving and all.. kept reassuring me that this was a huge lesson he has learned and that he will work hard to get us back together and back on track. Well last night the calls stopped today he hasnt called me at all, I heard a voicemail he had from a cash advance loan store, this morning I checked the balance on the bacnk account (since he got paid today) the$was there, but then 2hours later more than half of the$was gone! I call him and he doesnt pick up! Why is this?



Why is he hiding around after calling me all week?

He's got something on the side, and yes, I mean another woman.



DO NOT get back together with this man. Even if you think you can trust him, you'll be in the poor house FOREVER.



Why is he hiding around after calling me all week?

Hon, he has a girlfriend who is giving him a bad time..on and off.... you are being kept as the jerk in reserve...That's why.



Why is he hiding around after calling me all week?

He obviously has some real impulse issues that need working out. My husband does same thing. I applaud you for having the backbone to step out and get separated, but I hope you separated the money as well. I am willing to bet he has committed himself to something else financially and is in trouble. It sounds like without you he might even have less control over impulses. Some people are just like that. If you aren't willing to be 100% responsible for bills, and making the money get out now. He is now avoiding you because he's embarrassed. I would even suspect, drugs/gambling... where does money go!



Why is he hiding around after calling me all week?

Sweet Pea it just seems like you both are having a little financial difficulty. It happens in every marriage. You both just need to communicate more on how the money is spent and probably see a counselor to help. Good luck!



Why is he hiding around after calling me all week?

Obviously I can't tell you why or what he is doing. All I can say is you're right to panic a bit, can you go to where he's currently staying and confront him? I'm afraid that's your only option if he won't answer his phone/e-mail. Good luck.



Why is he hiding around after calling me all week?

he fcked up again and doesn't want to pick up because you'll only yell at him....he'll call, they always call, or maybe he gambled that money to make more and lost it and doesn' t know how to tell you...idk look for him make sure he hasn't done anything stupid



Why is he hiding around after calling me all week?

The writing is on the wall. You cannot make someone change.



Move on, take care of yourself.

I am a runaway and have learned things on my own and I make mistakes.?

After not being happy with a car I bought using cash, I traded it in to a dealership and sighned up for this high intrest car loan and after .... I totally regret my decision, big time, and wish I never acted on my desire for a nice car. I make too much money to file chapter 7 bankruptcy because of the car payment and just really want to keep my income vs paying a bank, and auto insurance company alot of the money I earn by working. Is there a way to break free or am I stuck paying? (of course I am willing to give up the car)



I am a runaway and have learned things on my own and I make mistakes.?

I made the same mistake when I was 18. The saleswoman saw me coming a mile away.



You have a couple of options:



1.) You can call the finance company that gave you the car loan and volunteer to have them reposses it. Of course this will ruin you credit which is still better than having a bankruptcy which stays on your report for at least 12 years sometimes longer. A repossesion will only stay on for 7 years and it will say next to the repossestion that it was a %26quot;voluntary repossestion%26quot; which looks a little better than if they came out an repossed it against your will.



2.) Put an add in the classified to sell it. You won't get the full value of what the car is worth because it is considered used, and you'd have to pay the difference between what you actually get for it and what is the remaining pay-off. That's the problems with buying a brand new car - most of the time you end up OWEING more for the car, then the car is actually now worth. Also, the minute you buy a NEW car and drive it off the lot - it's begins to lose value. To find out what the true value of your car is worth now - check the %26quot;Kelly Blue Book%26quot;. You can even check MSN Autos. That should tell you how much it's worth, and you can see what other people are selling the same car for and come up with a competitive price. You can also sell your car on that sight as well. But be careful - there are a lot of %26quot;car dealerships%26quot; that use those sights and what they pay for a car from someone like you is a lot less, because they have to turn around and sell it for a lot more in order to make a profit.



In the future - don't be so hasty. I know it's hard -but %26quot;buyers remorse%26quot; is even worse... and expensive!



One other thing you can try - I don't know how long you've had the car - but some states do have a %26quot;buyer's remorse%26quot; law where you can return the car to the dealership if it's within 30 days of the purchase. If that applies to you - don't go in and say %26quot;I Can't afford it%26quot; - because they won't have sympathy for that excuse. Just say that you aren't satisfied, it didn't live up to the expectations that the salesperson promised you and your not happy with it. It's worth a shot. Maybe they will feel bad and offer you another car thats more affordable because they don't want to lose you as a customer and to protect the dealships reputation.



Next time you buy a car - consider purchasing a %26quot;pre-owned vechicle%26quot;. Those are usually cars that people turn in after they have leased the car for a year or two and they didn't want to buy it only because they don't want to be %26quot;seen%26quot; in a car thats 2 years old (some people think it's not fashionable to be seen in anything but the newest car) - they want a brand new car every year or every other year. These %26quot;pre-owned%26quot; cars are about 1/2 the price of a new car - sometimes less depending on the mileage. And because leasing a car has strict rules on maintaining a car you lease - they are in very good condition. I have never purchased a new car again after my first experience. I only buy pre-owned vehicles now and have had nothing but great experiences. (I've purchased 3 pre-owned cars since I was 18 and the only person who knew it wasn't brand new was me!)



Regardless of what you do - I'm afraid that its going to have negative consequences on your credit report. But like I said, they are all better than having bankruptcy.



I would try to sell the car first and see what happens. If you are getting really low offers - then call the finance company and volunteer to surrender the car. Hope that helps you out and Good Luck!



I am a runaway and have learned things on my own and I make mistakes.?

you might try selling the car ,and you may not even have to take a loss on it,we all have bought cars we realized we didn't want or like ,i did it,and i know a lot of other people on here have also,try selling it while you can,you may actually come out ahead on it,i did this once,and i did get out of it and broke even,i didn't make any money,but i was glad to get out of debt on that one,you can try and see,at this point you don't have nothing to loose but time,good luck i hope this help,s.



I am a runaway and have learned things on my own and I make mistakes.?

You should talk to a financial adviser. There are non-profit groups that can advise you, if you can't afford a for profit adviser. You can also check with banks and credit unions to refinance. You may be able to pay off the remainder of your loan if you sell it. You could be %26quot;upside down,%26quot; however, which means you owe more on the car than it is worth, and you would have trouble getting a new loan. Just check with an adviser, there are many factors in play.



Bankruptsy isn't a good idea, because future loans would be MUCH more expensive, or unavailable to you. If you need to lose a thousand or two in order to rid yourself of the debt, It's probably worth it.



I am a runaway and have learned things on my own and I make mistakes.?

try selling it for enought to pay off the loan it will be dropped down if payed off early