Credit card debt )-:

[erinmoran]

Ive been in credit card debt f0r more than 4 years now. The number stays either higher or lower than 2500 since i pay less than the minimum...sometimes more or sometimes i just miss months

I know you should pay the more the minimum but i dont feel like i should give away my hard earned money...even though the interest is costing me.

I do get calls from the company..and a occasionally hang up on them.

Anyone else dealin with this....?

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[F1Gm3nT]

I always get calls from them... 200o dollers in debt overhere
but try sayin in a spanish accent... _______ (your name) no home... BYE *click*


I just hang up on them as soon as they say my last name wrong... if you wanna talk to me atleast learn how to say my last name shithead

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F!G@mu5 Pr1m3
President of the oficial R&F Dragon Club

[Jennitalia]

im having the same problem with my credit card debt. i just cant make the minimum payments either. i used to get calls all the time, but whenever somebody calls and asks to speak to Jennifer, i say she's not there, because everyone calls me jennie. i finally called a debt consolation company and this will hopefully be paid off in 3 years and it will improve my credit

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[erinmoran]

<----ROFL

<marquee> hahahahahhahahahahahhahaahahaahahahahahahhahaaahah ah</marquee>

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[irishkb]

I hear you... when i got out of college last Jan. i had $4000 debt with three cards... and soon after that my student loans were going to kick in.. and was another $17,000....so i was going nuts trying to figure how to pay off the cards because i also had car payments and insurance.. but thanks to me being obsessive with this debt, i did by myself anything for the year and just his week i paid off the last two cards.. now no credit card debt just higher education fucking me in the ass............ good luck with the debt consolation i hope it works out for you.........

damn i need a beer.......

[Alice S. Fuzzybutt]

I've always been pretty good about my money. I worked my ass off a few years ago paying off about $3000 on a credit card and my student loans. Now I pay off my balance every month. I actually had one card that claimed there was no annual fee charge me an annual fee! When I called them they said, "Well, you pay off your balance each month. Since you're not paying any extra interest we have to charge you." Fuckers! I cancelled the card.

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[Jackie Sloan]

Yeah it sucks but...always make at least minimum payment,
don't ignore due payments...that will follow you forever, those bastards will mess your credit forever!

conglomeration of freakness

[wilee]

I paid off my student loan in 18 months. Granted, it was only the last year that I needed to use a loan to do it, but it was still in excess of 8K.

Always pay more than your minimum. The minimum will usually only sustain the time you pay interest. Paying above the minimum will help reduce the balance (like in the beginning of a mortgage where 80%-90% goes toward interest and 10% or so goes towards principle)

Everyone who has credit (cards, charge/store cards, mortgage, student loan, etc) is entitled to one free credit report per year (I believe from each agency, too), and it is in your best interest to be aware of what this document says about you.

Even if you have never had credit problems, it pays to check it out. These companies are known to make mistakes, and I have heard (and experienced) the flying-finger typos of some minimum-wage data entry clerk entering a wrong Social Security Number, or credit card number.

I have learned to pay off my balances in full each month- I don't like paying the company any more than I have to. If this is not feasible for you, working with a company is a possibility. Most credit card companies would prefer to lose some of the interest if it means they will still get most of their money from you.

Be careful of those companies that claim they can "fix" your credit. While you certainly have the right to review and contest information in your credit report, information cannot simply "be removed", unless it is entirely erroneous and proved to be so. Yet another way that we have to prove ourselves innocent in the eyes of government and private agencies.

To contact the credit agencies for your information, here are the numbers:

Equifax - 1-800-685-1111
Experian (formerly TRW) - 1-888-EXPERIAN
TransUnion - 1-800-888-4213

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[Alice S. Fuzzybutt]

I paid my student loans off about 6 months early and my car loan around a year early. I actually got a little money back for paying off the car loan early.

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[reeshy]

I love hearing people cry over their bills. Did somebody put a gun to your head and make you take that little plastic card out of your wallet? Nuff said!!

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[scorpion]

Fell into the same problem. I did call one of those debt counseling people and what they wanted to do was I give them my check and they pay off my bills and I get a small living allowance. Since they hold your money they make money off the interest they get from putting it all of the funds in a intrest type of account. Although they negotiate with the credit cards companies it will still mess with your rating. Then buying a house later on will haunt you severely.

Since I also had several cards I paid the minimum on the largest and took one of the smallest and paid them off first concentrating on one card at a time.

After I paid that card off I used the amount I was paying for the previous added to what ever I could afford on the next and once I had one card left it got paid quickly.

Getting use to the system is tough at first but I works.

I was also able to renegitiate my student loan for better payment schdule by contacting them directly.

Good luck :)

[impactplayer2k1]

I owe $1700 and that's when I consolidated all of my cards into 1 card. Thank god for the american express blue card. the intrest is 9.9% for the life of the balance. Ohterwise, i'd be in debt from all those cards and the intrest makes you broke in the process.

Students loans suck cause when you get out of school, they want their money after 6 months. lucky for me, I lied on my financial aid papers and a got a free ride for 5 & 1/2 years. try it, it works.

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