I used Debt Free Today. Pretty good
Posted By: Silly Girl on 2008-11-03
In Reply to: Anyone ever use a debt settlement company - sm -
company. Never had any troubles with them. Just sent them a check once a month and they distributed among my creditors on the agreed amount. I think we paid off in 4 years. Was really nice!
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Strive to become debt free...
yes, that means living on a budget, telling the kids (and yourself and your spouse) no to impulse buying and splurges. You really can live below your wage if you WANT to and it is better to do it before you HAVE to due to job loss, etc. We are debt free but our home, no car payments, all credit cards paid off, only have the utilities and food each month. It feels great not to write checks to anyone. My DH just finished his obligation of 700 a month child support (Yay!!) which means more towards the mortgage to pay it off sooner. We are content with what we have...too many Americans want it all and want it now, no matter what the price, just charge it or take out a loan for it...crazy!
Love him! We are debt free but the house....
on an income of around $100,000 a year. DH may be getting laid off in the coming months but we just refinanced to a great below 5% rate, all our credit cards are paid off, we have savings built up to see us through tough times and we don't really worry about what may come. Sure, our cars are a few years old but guess what, they drive just like brand new ones. We still eat out several times a week, we take a month long vacation every year and we are happy with the things we have. We buy what we want when we want, but we aren't slaves to the newest TV, cell phone, i-phone, etc.We have no one to impress and really don't care what others have. We have the peace of mind that we can go to bed every night without much worry, the phone doesn't ring nonstop from creditors and we can go to the mailbox and not cringe when the bills come in. The country is in this financial mess because of greed, plain and simple; fat cat greed, greedy consumers in this I have to have it NOW society, and most think the free ride is never going to end. Sad....
Completely out of debt today!
I have paid all of my big bills off and now only have the monthly ones. Need to pop a cork!
20 free prints at Walgreens today only
Link Below.
Snapfish free gift today on Oprah
Today on Oprah she announced that anyone that went into her website Oprah.com could get a free personalized picture album - with up to 20 digital pic upload by Sunday night. Looked it over quickl and is really neat. $30 value.
grand slams are free in my city today also
I wonder if you realized this offer was nationwide and not an offer of charity to you specifically.
I was off today and pretty much was a slug all day. I did 2 loads of laundry,
I never do that, but it sure felt good at the moment. Of course, tonight, I spent some time in the bathroom...what goes in, must come out I guess. 
Yep. I actually did pretty good with (sm)
selling stuff. It was just the part where I had to get the shakes to the cars that was the problem. I had that job for over 1-1/2 years, and to this date I still can't skate. ROFL.
My husband is usually pretty good but once in a while sm
he will forget and talk to me in a disrespectful way. When that happens, I sit him right down and say, "NOBODY talks to me that way, not even you." He knows I am serious. I once quit a job over the way the boss treated me and talked to me.
Because your husband has been getting away with this for a long time, it is going to be difficult to "retrain" him, so to speak. You will have to be firm, even sometimes to the point where you may feel like you are nagging.
The key is to stay very calm and matter-of-fact. Don't show any anger (even if you are boiling over with it) and don't let him draw you into an argument. Simply say, "I will be treated with respect. I will not allow anyone to speak to me in that tone of voice or to say those things to me. I treat you with respect, and I expect the same in return."
Good luck. I wish you all the best.
That's was pretty good . . similar to the SM
menopause song I wrote a few years ago. I wish you could all hear it! I was actually asked at my friend's birthday party to get up and sing it, but would not because there were too many people there I did not know! Thanks again!
This is a good link. It pretty
much explains your question and has the new schedule.
I'm hungry and that sounds pretty good right now...
xx
Yep. I'm pretty good with the pill-giving
now too, but that CJ was tricking me and not swallowing his antibiotics. He'd pretend he did and then spit them out in another room.
All this is really new for Sasha. The vet told me she did her growl thing at her, and the vet told her not to do it, so Sasha kissed her. Cracked me up because that's Sasha for you - all talk, but loving.
Payless has very good, pretty shoes!
But I doubt that they have them in 'supersizes' for M?
But $ 540.-- for ugly sneakers, that's worse than SP, at least it looks good on her!
Small dogs can usually do pretty good as opposed to
sdf
Good grief - I hope not!!! Mine was not pretty! nm
..
I use Firemountain Gems - pretty good prices.
....
You are living together and so you've got a pretty good idea
of what life will be like if you are married. It'll be the same. He won't change and 10 years is far too long to wait on him to grow up, unless you started dating him when he was 12.
Move on, learn to be independent, and maybe keep that friendship alive with the other interested man. I was "just friends" with my husband for 3 years. Then it became more serious and we found that we loved each other and have been married for 25 years.
Move on. There are way better men out there.
I dunno..Mel looked pretty good in Braveheart!! NM
x
need a good free internet adult website/content
my NINE year old was looking at po rn on You Tube today. I walked in on him watching something totally adult. He said he clicked on something and when it came up it was that...i believed him but later on when I looked at the history there were 5 different adult videos he had viewed!!!!! how should I approach this??
I was in Macy's recently, the INC line is pretty good quality, I think.
x
Good news today for me
I posted about this a few weeks ago. I had tile put in throughout my grand room, porcelain to be exact, spent over $8,000.00 for that and lo and behold something that was supposed to be the tops started getting spots all over it. Not only that but I noticed some scuff marks. The installer came over, the people from the tile company came over, even the manufacturer from Italy came over. That was put in in May, now September almost over. I wrote a demand note to the installer I wanted it redone at his expense (I paid him for everything up front) and before the letter had time to get to him he called telling me the tile company going to pay to have it completely redone. I am a happy girl. Even though I love the porcelain, needless to say afraid to choose the same and going with another kind. Keeping the old fingers crossed!
You are right! I feel really good today
for the first time in a really, really long time! I suggest it to anyone, except put it on your schedule first so you don't miss anything good. LOL. :)
Animal lovers . . If you have not had a good cry yet today SM
watch this very touching video.
http://videos.komando.com/2008/06/26/christian-the-lion/
Received this today. If you want a good laugh, please read....sm
Why God made moms answers given by elementary school age children
>>> to the following questions:
>>>
>>> Why did God make mothers?
>>> 1. She's the only one who knows where the scotch tape is.
>>> 2. Mostly to clean the house.
>>> 3. To help us out of there when we were getting born.
>>>
>>> How did God make mothers?
>>> 1. He used dirt, just like for the rest of us.
>>> 2. Magic plus super powers and a lot of stirring.
>>> 3. God made my Mom just the same like he made me. He just
>>> used bigger parts.
>>>
>>> What ingredients are mothers made of?
>>> 1. God makes mothers out of clouds and angel hair and
>>> everything nice in the world and one dab of mean.
>>> 2. They had to get their start from men's bones. Then they
>>> mostly use string, I think.
>>>
>>> Why did God give you your mother and not some other Mom?
>>> 1. We're related.
>>> 2. God knew she likes me a lot more than other people's
>>> moms like me.
>>>
>>> What kind of little girl was your Mom?
>>> 1. My M om has always been my Mom and none of that other stuff.
>>> 2. I don't know because I wasn't there, but my guess would be pretty
>>> bossy.
>>> 3. They say she used to be nice.
>>>
>>> What did Mom need to know about dad before she married him?
>>> 1. His last name.
>>> 2. She had to know his background. Like is he a crook?
>>> Does he get drunk on beer?
>>> 3. Does he make at least $800 a year? Did he say NO to drugs and YES
>>> to chores?
>>>
>>> Why did your Mom marry your dad?
>>> 1. My dad makes the best spaghetti in the world. And my Mom eats a
>>> lot.
>>> 2. She got too old to do anything else with him.
>>> 3. My grandma says that Mom didn't have her thinking cap on.
>>>
>>> Who's the boss at your house?
>>> 1. Mom doesn't want to be boss, but she has to because
>>> dad's such a goof ball.
>>> 2. Mom. You can tell by room inspection. She sees the stuff
>>> under the bed.
>>> 3. I guess Mom is, but only because she has a lot more to
>>> do than dad.
>>>
>>> What's the difference between moms and dads?
>>> 1. Moms work at work & work at home, & dads just go to work at work.
>>> 2. Moms know how to talk to teachers without scaring them.
>>> 3. Dads are taller & stronger, but moms have all the real
>>> power 'cause that's who you got to ask if you want to sleep over at
>>> your friend's. Moms have magic, they make you feel better without
>>> medicine.
>>>
>>> What does your Mom do in her spare time?
>>> 1. Mothers don't do spare time.
>>> 2. To hear her tell it, she pays bills all day long.
>>>
>>> What would it take to make your Mom perfect?
>>> 1. On the inside she's already perfect. Outside, I think some kind of
>>> plastic surgery.
>>> 2. Diet. You know, her hair. I'd diet, maybe blue.
>>>
>>> If you could change one thing about your Mom, what would it be?
>>> 1. She has this weird thing about me keeping my room clean. I'd get
>>> rid of that.
>>> 2. I'd make my Mom smarter. Then she would know it was my
>>> sister who did it and not me.
>>> 3. I would like for her to get rid of those invisible eyes on her
>>> back.
You're free to pray, but not free to discriminate
It's as simple as that.
What do you think of the quality of clothing today. What I looked at shopping today in nice stores
the stuff wasnt even sewn properly. Do you have to look at everything you buy or just hope it lasts a year.
Might do that one day, but have some debt to get rid of first - sm
So putting out $6500 for a TT will have to wait; in a year I may be able to think about it, then save up the $$$ for it. I have done some research into this and know I first have to lose the weight and be stable at my goal weight for a while before I can have that done if I want to do this right. Guess I will just have to wait and see just how bad it looks after I shed the 70+ pounds. Feeling good right now, just went outside did some yardwork that I usually never have time to do (really didn't now either but work can wait), felt good to be active for a change, though I must now sit on my big butt and work for the next 4-6 hour! My thing is that I have to get more physically active, sit way too much!
Out of debt
Congratulations!!! Isn't it a wonderful feeling?
debt
I agree with transferring to 0% when the offers come. I have been doing that for years. Now, I just got an offer for 6.99% for the life of balance up to 12,000 dollars. Going to take that offer, (we are going to remodel our main but small bathroom) and pay off 2 1/2 cc; then what is left over, oh, and going to give my hubby 1000 to get out bike out of shop, so, what ever is left over, which should be 6 to 7000, will redo bathroom, payments won't be bad, like 190 a month and don't use your cards for a good while, just steadily pay. Hope this helps, and life is too short to stress over bills. Keep them in mind but at the same time, think of what you have. 
I am totally out of debt -
house, cars, motorcyles, credit cards. Everything!
It feels great!
Paying down debt
It is getting harder to make ends meet because of all the straws in our bank account. I have 17k in CC dept alone. It is with 4 different CC companies. One CC has $200, #2 has about 4K, #3 has about 2K, #4 has 10k. The 10K one has a 15 % APR, the others I believe range from 24% to 29% APR. My biggest monthly payment is my house and I owe only $4700 on it and it has 6.3% APR. I sold some things and am getting $5K and that will be enough to pay off my house. I would love to finally, officialy own this house and get rid of that $350 monthly pmt, but I wonder if I should not pay down on the CC because of the high interest rates. Any opinions. TIA.
Paying Down Debt
I feel you, believe me. First, Bravo to you for facing this. That's the hardest part. I think if you are so close to paying off your house, you wouldn't want to take out yet another loan against it. Additionally, the interest rates aren't that great. What is the total of payments you are making on your credit cards? If you can slap that 5000.00 on your debt first on all of the higher interest ones perhaps paying some of them off. That will free up extra money to put on the rest of your credit cards. Then once the credit cards are paid off, you can then work on the mortgage (I WISH I had your mortgage..). Also we work in an industry where it is easy to pick up extra work---have you thought of that just to get extra money to pay off the debt? That's what I'm trying to do. Things are just so bad right now. Good luck, hope this helps...
credit debt
Wow thanks for all the good tips.
As this got off the subject and onto other things, I just wanted to say I have heard Al-Anon is excellent for people dealing with alcoholism in a spouse or other loved one. It might be a great place for support for you and your kids. Just a thought.
Well, the only debt we have is our house...
so I would put it towards the principal on our mortgage.
Did you go into debt over the holidays?
C'mon, fess up!
Did you use credit to buy things for the holidays, or did you pay in cash?
I'm happy to report that for the 13th year, we paid in cash.
Added fresh chives today. to the egg today.
and a SMIDGE of soy sauce.
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
debt consolidation/relief
I'm seriously considering going with one of those debt relief companies to get myself out from under a mound of credit card debt. I feel like I'm drowning. Has anybody had any experience with these companies, good or bad?
Oops, should have been paying off a debt
/
Do your homework on debt collection (sm)
laws also - you just may have yourself a $1000 piece of paper in your hand.
Have you requested validation of this debt? If not, I would do that right away. Send it certified mail, return receipt requested. Depending on the age of the debt, I would be very careful about sending the canned "do not contact me letter." If the debt is not that old, that can sometimes trigger them to sue. I bet if you send the "please provide me with full validation (not verification that you have my name, address and soc. sec#) of this alleged debt. Short and sweet.
Before considering the CCCS or debt relief (sm)
places, first call the companies. If you haven't been charged off yet, most will work with you and have hardship programs. The accounts will likely be closed, but after 3-4 ontime payments they will "re-age" to show as current, will lower the interest rate so payments are lower and you will pay off over a 4-5 year period (in most cases, you can't use the cards as acct will be closed to further charges in exchange for drastic reduction in interest rate). Going with CCCS or similar, has the same effect as a BK, even worse, on your credit rating. The accounts will report as "closed, paying under debt management plan." While bankruptcy is an option I suppose, if you're a homeowner or have any assets, you'd have to file Chapt. 13 which will allow for some payback. I'd call the companies first and lay out your situation and see what they suggest. The credit industry is in a mess right now so they are willing to work with you if you're upfront and showing good faith.
Anyone ever use a debt settlement company - sm
like DebtAmerica or something like that, one that eliminates 30% or more of your balance owed, consolidates it and gets each cc to settle on an agreed amount, etc. I am thinking of going that route instead of CCCS company which is just a DMP (consolidates it but you still pay back every penny and interest). Either way you have a big black mark on your credit. I owe a substantial amount and this way I can probably be debt-free in 3-4 years instead of 8 years. I know they charge a fee, and you have to pay taxes on the settled amount but it will be a lot cheaper for me in the long run and I can afford it a lot better. So if anyone has gone this route, please give me your input and who you used and if you were happy with their service, etc. TIA! 
Why would you take vacations when you're in such debt?
The money for those planned vacations could be paid towards your credit card. If you're income in increasing soon, why not apply the increase to the bills until the debt is gone and then reward yourself with a nice vacation that you save up for?
If it is an old debt, I've been told that the place that
the court with the original document that you signed before they can get a judgment to garnish wages. Usually they can't come up with it if the account was taken out a long time ago. I would look into it a little maybe even just online. Try consumer affairs website. Good luck.
I know it's popular, but don't put unsecured debt on your home.
No way, never ever do that. It's a huge mistake, you could end up losing your home. The risk is too great.
credit card debt relief
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(
Credit Card Debt Counseling
http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement
Here's what you want to use... It is called Consumer Credit Counseling Services. They are legit. Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office. I don't know what state you're in or if there is an office local to you, but it looks like you can do this online.
We did it, completed it, and it was great. However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then). Once you join, there are no more credit cards. What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked. You then make one lump payment to CCCS and they disburse the money. They also take into consideration your income. I think that's what makes it all work. Also, this is what tells them how long it will take to pay off the debt. Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer.
Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance. We make regular payments.
All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS. Check with them about that though, as I do not know the specifics. It is way better than bankruptcy...
Hope you find some relief soon! My thoughts are with you... I'm not judgemental because I've been there and done that.
Anyone ever been sued by a debt collection agency
My husband and I have an account which we feel we don't owe. We cancelled it within the amount of time we thought we had to cancel, but were later told the contract for services was not cancellable (a vacation timeshare). The original amount was only $1,000.
Since that time, the timeshare company has sold our "debt" to a third party collection agency, Apelles. They call at all hours and even on weekends. Since I have caller ID, most of the time I don't even answer. This morning, however, they called at 8:45 and woke up my kids. I was a little annoyed, to say the least, and I'm just wondering: Does anyone have any personal experience with this company. I'm thinking about sending a Cease and Desist letter, but I'm worried that that will trigger them to take me to court. Has anyone ever been sued by Apelles? I would think our amount is too small to be worth their time and that they would just try to sell it to another agency. Any thoughts?
credit card debt lawsuit question
If there is anyone out there who has been sued and had a judgment placed for credit card debt....
What happens when you go to court?? I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak. But I was wondering if anyone has gone to court and what actually happens.
credit card debt lawsuit question
Anyway you can declare bankruptcy, chpt 7? I am going that route. :(
Do you have a lot of monies owed where bankruptcy is a real possibility?
I'm going through a similar time......talk about stress!!!!!!!
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