I agree with trying to negotiate with the CC companies
Posted By: Backwards typist on 2008-08-21
In Reply to: credit card debt relief - stressed
yourself first. That's what I did. We had a medical problem and we went from paying on time for years to 90 days behind in 3 months. We wound up living off the cards...which is an absolute no-no, but couldn't be helped, and wound up with $45,000 in CC debt.
I called them all and they all have programs for hardship cases. They set up payments for you which are lower than what you would usually be paying and they lowered my interest rates again (in the good times, I was paying 9%) from 19% to 21% down to 9% again and one company even lowered my interest rate to 6%!
They automatically take the money from your account and you just have to remember to keep the money in there. Payments are much lower since they lowered the interest rate and all the cards will be paid off in 4 years.
One company did close my account, but none of the others did. I haven't used a credit card for 2 years and most of the cards I had for 10 years.
Hope this helps and good luck. There is light at the end of the tunnel.
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I agree - insurance companies are in it for big bucks (sm)
Even if they made the obese pay extra they wouldn't give the rest of us a discount anyway. Who are you kidding? Do you really think they are on our side any more than the pharmaceutical companies? Do you know much about managed care and how it affects our industry? Insurance companies make a mint and they try to share as little of it as possible.
Always negotiate and do your homework before hand!
If you do some good internet research you can find out what the dealer actually pays for the car before their mark ups. I bought a new car several years ago and took this information with me. It was about $3000 less than sticker price and I only paid a couple hundred over this base price AND they went to another state to get the car that I wanted because I didn't want to wait for one from the factory. They will push you hard so be ready to stand your ground. Also, ask them to throw in license fees, plates, taxes, etc. in the price. Many places will do this if you finance through them and some will give you a gas card for $50, free oil changes, and what not if you ask at the end. Just remember, the worst they can say is no. You will likely never see this person again. I would recommend using your own bank for financing. If you use theirs I feel they use that to their advantage and finance you the sticker price and make it more difficult to bargain.
try to negotiate for a lower APR before going to CCC & use the word "hardship"
Search Google for credit info center they have great advice there.
Try to negotiate for a lower APR yourself first.
First call and threaten to cancel, (but do not cancel if they don't help!) and that might get you a lower APR.
If that fails write or call back,you have to say the word "hardship" to them to really work with you if you are not 60 days past due...that is the magic word. Their hardship plan and CCCS looks the same on your credit report, at least you control it by doing it yourself.
HTH :)
Negotiate lower interest rates on your credit cards
It’s worth a shot, and some credit card companies might do it if you’ve been a faithful customer or you threaten to balance transfer to another card.Buy a texting plan for your cell phone. Texting has become unbelievably popular. I have no idea why, because it seems like a pain in the butt, but it’s typically 15 cents for every message you send and receive. This adds up, so better off paying $5 to $10 a month for the add-on plan if you’re addicted to texting.
I think so many companies are just trying
to cover their but so they won't be sued. I once read on a stroller a tag that said do not collapse while child is in stroller. LOL
We tried one of these companies
and it was supposedly a "reputable" one, recommended highly by just about everyone. Searched online, you name it. Thought I did my homework pretty good. Well, they were a rip off. Thankfully I kept logs of everyone I talked to about what and when, etc. They screwed up several of my accounts, didn't pay them for almost 3 months (even though they received payment) and none of my interest rates were adjusted. I contacted one of the lawers for the cc company that was handling the collection at that point since my company failed to do so and they said that this was a very common thing and that they really did not like to deal with companies like that, would rather deal directly with the person.
Good luck to you though, sounds like you actually found one that does some kind of work.
Mortgage Companies
We have a good one, but it is funny when there is an error on their part they call your employer... When they want to loan you some more money, they call your house!
So you are saying you do not like insurance companies????
![Belly](http://smileys.smileycentral.com/cat/4/4_1_219.gif")
Insurance companies always get --
past medical records, no matter what insurance company you apply with. Once they get the records and the diagnosis is documented on your record, it is considered a preexisting condition.
Yep. OIl companies don't like the price low.
They cut production to get the prices up again. If we're not _____ by the oil nations, we're ____ by the American oil companies. G-R-E-E-D is the name of the game in the last few years.
Government tells us to cut our driving. Well, I hate to tell them but between a pickup and a car, we drove a total of 5,838 miles last year, and most of that mileage was 100 miles a day for DH to go to work. I get to the store once a month anymore, 2 mile round trip. The only thing I can cut down on is to walk to the store and back. Been there done that, but I'm no spring chicken and carrying 5 bags or more, well....you'd see a bag every 100 feet. 
Mystery shopping companies
 Mystery shopping...Has anyone done any work with reputable mystery/secret shopping companies???
no different than amer. companies offshoring.....sm
I don't see how it's any different that american companies are hiring illegals here versus american companies offshoring (which I detest) because the issue on either side is -- bottom line - the dollar - and what American employers are willing to pay today...........and in either case, we are all losing our jobs to foreigners (whether they are legal, offshore, or illegal workers).
just my opinion.........
He ought to add the MEDICAL TRANSCRIPTION companies
8
Really now. Do you think MT companies really care? I wear
xxxx
As an IC, I don't think they are allowed to have you on a set schedule. Other companies have
gotten in legal trouble because they were treating ICs as employees. With my IC job, I let them know when I can work and, if they need extra help, they will call and ask if I can do more, but they do not TELL me when to work.
I feel sorry for companies. With all the PC nowadays,
They'll be slapped for saying Christmas...they'll be slapped for not.
I agree -- people should be far more tolerant than they seem to be. I'm a Christian but would not be offended if anyone sayd Happy Kwanza or Hannakuh or Happy Allah Day or whatever!
However, in the interest of keeping politically correct and not being offensive to everyone, they resort to the measures you brought up.
I think we should make sure and not be as sensitive about the word Christmas not being used as those we are complaining about are to it being used. We don't want to be viewed as oversensitive, critical or ugly as they are.
As religion really is a personal choice, we should remember that keeping it alive in our personal lives is what is so important.
JMHO
Like if you diss AAMT, certain companies, -
management, etc. or even if you write some perfectly good words that aren't cusswords, you either get that "bad word" thing, or get booted out altogether.
Obviously your on the side of insurance companies
Maybe you should educate yourself on insurance company profits rising via higher premiums despite more claims being denied due to risk. The problem is not the supposed risks, its the corporate greed. No matter how much you pay for insurance, a sizable portion of it goes to salary someone to find (and legislate)loopholes so they won't have to pay anyone's claim. Go ahead and buy into their propaganda that its other customers causing the problem, not their CEO's new mansion or their profit margin. Then see how much they appreciate your loyalty next time you file a claim.
spyware? Sounds like what companies use
to shadow in to fix technical problems. Also, many services and hospitals have this ability to keep tabs on their work/workers. I had one use it to break in and type a message to me when they needed a stat.
but, sounds like your hubby needs to take up golf or something.
The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).
The link below has a synopsis of the new rules that will take effect next year.
Those companies you listed at non profits
All of those companies you listed are non profits as described and accepted by the IRS.
I'm afraid you're going to be out of luck with your animal rescue lady, unless she reorganizes as a non profit, or makes you officially part of the company.
But, DON'T TAKE MY WORD FOR IT. Check with your tax person, or if you can't reach her, find another tax person. Call H&R Block. There may be some loopholes that you can use to get the deduction.
sorry - Only helps the big formula companies make $.
Toddler nursing is a normal! The criticism of a 22 month old breastfeeding is just a reflection of people's anti-breastfeeding attitudes.
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
Sounds like offshore companies.....aren't
xx
millions called their cable/tv companies...
There are companies that specialize in refacing cabinets
Veneer is tricky stuff to work with. If none of it is chipped off, you might be able to glue it back down. But if it's chipped, there's not a whole lot you can do except use wood filler to fill in the gap and paint all the cabinets. 
Actually I guess all the internet companies are going to be doing the same thing. nm
:
Yes that angers me, but are your companies not categorizing it correctly? sm
My DH gets bonuses from time to time and they are tax free. I always thought gifts and bonuses were just that, nontaxable, not to mention the tax write off for the company contributing or did that change somewhere over the years?
Pharmaceutical companies have lobbyists in Washington
and there job is to make the company wealthier at it appears any cost.
Israel's #1 export is pharmaceuticals. 4th is weapons.
Conspiracies to make men richer are nothing new. Medications are sold at a fraction of the price to other countries but in the U.S., the patients' cost is enormous comparatively speaking.
Medicare plan D or K, whatever it was that provided pharm. co. with an increase in medicare payments to drug companies approved by Bush is an example of why govt and pharm. co. do not have the patient's best interests at heart.
I have a friend who does this regularly. I am on-call for a few companies locally and sm
am awaiting my next assignment. For the poster below who stated if it's too good to be true...This is a very legitimate business, not a whole lot of money to be made, but legit and fun too. You just have to write down every single thing you've witnessed and check off boxes if a survey is included in the shopping and/or eating experiment.
WalMart also contracts out companies they know hire illegals. There was
not too long ago.
No wonder more companies are hiring people from India, at least they work.
.
You just nailed it. Companies hire illegal immigrants.
zz
China bailed out some large US companies. I guess we are
nm
Anybody see the new thing now that internet companies including Comcast are going to monitor monthly
internet usage.
What an awesome post! I agree, agree, agree completely with you.
 You are right on the money in my book! 
I agree, try to live in another country, then you will also agree...nm
nm
absolutement! Agree! Agree! Agree!
Why is it so hard to understand this? HMOs are just middlemen who get everything balled up and costly!
I agree with you - not judging either but agree (nm)
:)
and I agree with you *nn* -
I agree......
I agree with everyone's reply here. Also--one more thing...DO NOT TOUCH THE RADIO/CD PLAYER WHILE DRIVING!! It was 17 years ago that one of my best friends was killed this way-very responsible girl, just did not think for that one moment.
I was a responsible teen, but my parents set strict rules on my driving. At the time, I did not understand but now that I have a 10-year-old son who keeps reminding me each year that he will be driving in __ years, I understand completely. If it were an option for us, I would keep my kids babies forever.
Another thing you can do, just to maybe ease your mind about driving is take her to the local police department and have them to show actual footage of accidents. I know that sounds pretty harsh, but it has saved a lot of kids lives in my surrounding area.
Hope this helps!!
wow - I sure do agree with you!!....sm
I would rather them be locked in a car driving than strolling or walking alone - In Florida - we have had MANY YOUNG KIDS killed (murder) by being alone walking to and from school. My children are VERY responsible and pay for everything, except that car insurance (which is wayyyyyyyyy too much) which I offered to pay until age 28. By the age of 28, they'll be earning more $$. My OLD brother (and he's very old *LOL*) did this for his son until age 28 (think he's about 38 now) because of the exhorbitant insurance rates. I decided to follow suit. If we have it, why shouldn't we help them. I'd rather help my children while I'M ALIVE AND KICKING rather than what they get when I die, IF there is anything to get *LOL*
Y'all have a GREAT day!
Remember, we can all agree to disagree without being nasty and rude.
and I so agree with you!!!.....sm
One of my children saved all the Xmas/holiday/birthday $$ ever received from toddler-hood so that at 17 had $6000+ and put it down on a BRAND NEW SMALL CAR, albeit I had to co-sign the balance. Child did pay the rest off. I too am very proud of the children who are young still, one has worked for 10 years already (started off part-time at about 14 after school by own choice).
Yep, I want kids to hang out in multiple numbers today - never walking alone - too many CREEPS out there in the USA today and they are EVERYWHERE....really creepy to me.........
Let's sing out for the responsible good kids who are out there trying to live life in this messed-up world!!!!
HOORAY FOR THE CHILDREN!!!! They are our future and if we don't back them, well then we are up the creek without a paddle, right? 
I agree...
Don't be too quick to judge! Last I knew car seats can be moved from one car to another! It's so sad that a few rotten apples out there ruin it for the people who really need the help! Hope you are never in a situation where you may need a little help.
I agree
Hey, Chillie, I love what you said. It's time somebody did. All this political correctness crap is getting to the point where it really offends me. And I'm SOMEBODY, TOO!!! Thanks.
It all goes to what you agree to when you take the job
If you take the job knowing that it involves working the holiday or the night of or the night before then it is your obligation to do so. That is the way of this trade. Then the days following the holiday we are "dead" and everyone is yelling for work. Kind of like the hospitals, the police, the fire department, the stores half the time -- we all know what is expected when we accept the job. If you knew that it was expected of you when you said yes -- then I think it is your obligation to work. If you have your own accounts or are an IC then you have the right to say no but don't complain when nothing comes your way the day or two after the holoidays. I chose to have my own accounts and some are open the day after Thanksgiving and so what I pick up on late Weds has to be back by early Friday and so somwhere in that timeframe I have to get it done. I might have a few more hours to do it but also have a family and life so will squeeze it in. Then Friday I will have what was dictated on Weds and have to work on over the weekend. So you see you are not alone but this has been the way since I have been doing this, close to 20+ years. Before that when I worked in office/clinics we were never closed for the Friday after Thanksgiving, saw patients until 6 on Weds, back at 8 on Friday. Anway got things to do. Patti
I agree
I was in management also and I was lucky in that there were only a certain few MTs that were very stubborn about not working holidays or flat out refused. Most were willing to compromise, maybe do one major holiday and have off the other, or even put in a few hours of their choice. It is those who refuse to work all holidays that can mess things up for everyone. For if everyone refused, what then? I guess it would then have to become mandatory???? Exactly!
I agree with you...
Even if the story you were told is true, there's still something not right about the situation. Best to make sure your daughter's not in any danger, I'd do the same thing! Good luck...I feel for the other family though...how hard would that be?
I agree...
My husband is far from dispensable! He's my best friend too. He's a wonderful father, husband, son, brother, everything! We've been married for almost 20 years and I love and need him more today than I did in the beginning. Men are getting an unfair wrap here...although I completely sympathize with the OP. That's her situation, though, not every marriage comes down to that.
Like I said before (and my post was deleted for some reason) I am looking forward to growing old with my husband...raising grandchildren...hopefully finally getting to travel. I do believe the best has yet to come for us!
I 100% agree.
x
I agree
My friend and I went on a sugar free diet - it lasted 2 days. After numerous trips to the restroom, we both finally came to the conclusion that it was the sugar substitutes. Go for Splenda... After removing sugar substitues we had no more problems.
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