You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.
I will try to make this as short and sweet as possible. I used to make much more money than what I am currently making. Never paid late on my cards until recently and I’m still never more than a few days late. My cards are all maxed out and it’s costing so much to keep up with everything. I thought about going on the hardship program with my cards but I think that might have a negative affect on my credit. My utilization is at 99%. I just don’t even know where to start. I would love to just work on getting the balances down because I feel like the hard work will stop me from charging the cards up again. I have 9 cards. And I have no lates reported as I’m never more than a few days late.
With an upcoming refresh of the American Express Green card there are several rumors swirling about potential improvements. Right now the Green offers 2x points on purchases through the amextravel portal and 1x on everything else for a $95 AF. Yawn.
The current rumors are suggesting a June/July/August launch bringing with it 4x on "gas" and 3x on "streaming services" with a wild card of free Amazon Prime with membership. Not awful at all if true. I'd be curious to see the caveats that will certainly come with the gas category, and the streaming services seem a little petty since I'm sure even the most die hard cord cutter only spends around 50-75 a month in service fees. As with all the other charge card refreshes I expect to see a bump in the AF to around $149 which leaves this a little underwhelming to me. If it's meant to be an intro to AmEx charge cards then it would seem to entice the everyday folks you need to include everyday expenses for instance, cellular service. Maybe free phone insurance for any service paid with the card, similar to the propel from WF. Just throwing daydreams out here.
Anything you would want to see with a potential refresh?
Original link: https://www.doctorofcredit.com/rumor-american-express-to-refresh-green-card-4x-on-gas-3x-on-streaming-more/
Wondering if anyone has personal experience with having a civil judgment made against them that then lapsed / expired. A family member is wishing to transfer property to me, but I am concerned due to a couple of judgments from the most recent recession. I know it's not the wisest route, but due to my circumstances at the time and several years following, I essentially did nothing (didn't respond to letters, people trying to serve me, etc., definitely didn't make any payments). I didn't realize until recently that judgments could be revived. At this point, I don't want to declare bankruptcy when it's almost been 10 years... I should have just declared BK at the time of the judgments but obviously wasn't educated.
My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
How do I proceed???? contact the school 1st? Why Chat do I just follow your procedure?
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To start with, I’m overseas and married in China.
The past 2 years have seen our credit card usage sky rocket, initially it was paid off at the end of the month, but this year with several family tragedies having struck, it’s gotten quite high.
In terms of debt, I have the following.
American Credit Card debt: 15000$
Two European Mortgages : 14000€
Tax debt in the States: about 1300$
Rent. : 315$
Food. : 300$
Utilities w/phone. : 150$
Transport. : 100$
Mortgages. : 660$
Credit Cards. : 400$
Tax to IRS : 285$
Incidentals. : 100$
Total expenses about 2350$
Total income. about 3500$ for me
Wife’s income is entirely savings, but maybe around 800 a month. This is going towards a surgery fund for my wife’s mother.
I own several smallish properties in the states, we own an apartment in my wife’s hometown also.
I’d like to see about consolidating the credit card debt into one bill, and or see about getting a large enough loan to pay off everything I owe.
We were saving quite a bit until this year started, and then family tragedy after tragedy sort of killed things in that manner.
I’m just not sure how to go about seeing if I I could even get a loan from the US, but overseas. Just looking for guidance. We’re not in the hole, but not in the green yet either.
I ended up spending about $700 with Discovery via PayPal last month (for which Discovery paid me $11, using math that only works on their planet).
In the morning I'm going to attempt to send the balance of the $1,500 spending cap that remains to TAD using Discovery/PayPal and then sit back and wait for the next inevitable Discovery disappointment.
Has anyone successfully gotten 5% back this way, this quarter?
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