Credit counseling
Posted By: IA MT on 2006-03-07
In Reply to: I know the feeling - We're enrolled with CCCS
Yes, it does go on your credit report. I explained this to my banker that I had not had a problem before in paying my bills, just that I had too many. My banker reviewed my payment history and still approved the loans I requested. Each case is individual, and going through credit counseling may or may not affect your ability to get loans in the future.
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Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
For those who have used credit counseling services, what was your experience?
Some info on credit counseling vs bankruptcy
This is just a heads up for those that were questioning about your choices. I was doing some research on a cancellation of debt form - 1099-C that I am doing for my ex-husband as he never paid me the $9720 he owed me and found on a web page that some of the people that are going through Credit Counseling now are getting 1099-C for some canellation of the debt from credit card companies. If they forgive this debt, then you have to claim it on your income tax as "INCOME" so think about this in your situation. If you are going through a counseling agency ask them if any of your accounts can give you a 1099-C for anything that they forgive you and the only way that they can't is through Bankruptcy. So that is another consideration when wondering which way to go. As for me, I have a signed promissory note signed and it is not a verbal agreement, was not in the divorce and he just never paid. So I get to put on 12 years of interest at 10% plus late fees and he will end up paying the IRS instead of me but I get a tax deduction of $3000 per year until the 21K is used up. So that is fine, he doesn't have to pay me and I will cancel out his debt, but Uncle Sam is not as forgiving as me. But I wanted everyone to be aware of this as it tempting to pay a credit card company only 50% of what you owe them but thing of putting that other 50% on your income tax forms. Patti
Anyone have any GOOD experiences with a credit counseling service/
If so who were they and what did they do?
great website for credit and credit cards, interest rates
great website
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
Consider counseling
Sometimes an objective opinion from a person you respect can give you some insight that you have disregarded or give you positive suggestions on improving your life. It's worth a try.
counseling is a must.
I have only been married 4-1/2 years myself, so I am not an expert in this field, but I think you need to do everyting in your power to make this marriage work before you call it quits. Whether your husband will agree to go to couseling or not, YOU need to see someone (marraige couseler, pastor, etc.). If you can get your husband to go, that's awesome. He may take the advice differently if it is coming from someone other than you. Men tend to think we nag a little! I have never been to marriage counseling, and I have never been in a situation like yours, but if I were, I think I would give it my all before I throw in the towel!
Why don't you go to counseling with him?
At least once - and ask for help in dealing with his calls...
It really is an illness.
Wow you need some seriously counseling. sm
I am very very sad for you. What a very shallow and pathetic thing to do.
Please, go get counseling before you give up ---
It can really help you two see things in a different light and get to what is really going on. My situation was nothing like yours (different issues) when we decided to get counseling after 17 years of marriage. I was very doubtful it would help one bit and was ready to just get out. After 4 weeks we made some changes, did some reading, talked things over together and with the counselor, and today my marriage is better than it has ever been. I think it can be done if BOTH parties are willing to give and make some changes. Good luck. :)
Bankruptcy vs counseling
I went through an ugly, expensive divorce - after 22+ years. He had the girlfriend but he wanted me to loose everything and fought through several attorneys. I tried the counseling -- finally went through Christian counseling as their fees were the lowest and they seemed the most honest -- but after everything and to keep my house did file Chapter 13. I feel better doing the Chapter 13 as at least I am paying back something to everyone and did not leave them all hanging. Am paying back 25 cents on the dollar to credit cards. Just be careful should they offer you to cut down the balance if you will "pay in full" as what is not paid will be considered "income" and you have to pay income tax on it. I still do not feel good with doing the Chapter 13 and don't understand how a lot of people can do this several times as I saw in court when I went there. It is not easy to walk away from the debts that you made and truly owe but there are some circumstances that make it necessary. I for one am glad of the new laws as I don't think it is truly unfair to make people make an attempt to pay back what they owe, at least partial. Some of the counseling groups I talked with -- the ones with the best reputations-- were going to charge anywhere from $100 to $150 to handle my money and I could be putting that on a payment to a credit card and so Iooked long and hard. You can also negotiate directly with your credit cards but they put a "stop use" on them and you cannot be late with one payment. But make an attempt and you will feel better about yourself. Just my thoughts and experience. Patti
She needs to attend counseling regardless!
She will find a way around the restrictions you have imposed if she wants to keep losing weight. You cannot follow her around day and night. It is really easy to hide weight loss if one wants to. The longer it goes on, the harder it will be to get a handle on later. It took me YEARS to overcome this myself. Hope it works out.
I agree, she does still need counseling...
She needs to meet with someone who knows how to handle a situation like this. Going to counseling might also help you both learn how to deal with her better too. I might also add, while what you say you are doing sounds good and I think you should stick with it, also think of ways you can add positive reinforcement too. I think it would do her a lot of good if Dad could spend a little more time with her, doing activities, talking more, etc, something that would bring them closer.
I have sought counseling myself--sm
online, but I was not too successful in finding anything that was free. I thought I had found one once, but after I submitted my questions, no one ever replied. Guess you have to be careful with that too, or you may find your personal problems pasted all over the internet. Try doing a search, you may end up being lucky and find something worthwhile. Good luck.
I have some docs that say totals if counseling is
part of the visit as they get paid extra for the visit with certain insurances.
your whole family needs counseling - including you. nm
nm
SEEK MARRIAGE COUNSELING NOW!
You need to be telling this to a marriage counselor. If your husband won't go with you, go without him. It will give you the insight needed to make this tough decision.
Try debt counseling first - if that does not work - sm
it will at least look good to the judge when you declare bankruptcy. I do not regret declaring bankruptcy at all - got a lot of pressure off of me when I needed it. I started all over, and now I am so much wiser so I don't get in that circumstance again. It doesn't take long to rebuild, either.
You really need some counseling and anger management
tsk, tsk, tsk
Go to counseling and get guidance and structure.
It CAN work if he earns back your trust and is truly sorry. Counseling can help guide you through this process. It is truly worth a try. What have you got to lose? Good luck to you! :-)
Working on Master's in counseling and sm
I have had a hiatus of nearly 3 years. I could not decide if this is where I really wanted to go. Recently, I put myself back in therapy with my last therapist after a 5-year hiatus to help me decide. Two sessions and I can see the clear path back to it and yes, this is my "true calling."
I feel pushed to get out of MT because my hands are suffering after 15 years of this. I have 3 autoimmune disorders too. I am having energy problems and focus problems...pain and all that comes with AIs. I have trouble with consistently good line counts and I am working 2 jobs out of sheer boredom with the entire thing. It has nothing to do with no making as much money or ASR or any of it. It is my body telling me to move along. I also believe I would be happier as a counselor.
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
The family can get free counseling through hospice even
if their mother was not a hospice patient. They have programs that the family participates in together and just programs for kids too. If they are able to associate with other kids that have experienced what they have that would probably be a tremendous help. They don't just talk about their feelings, but do activities and play games and just be kids, but if the emotions come then there is a trained person to help them.
Sounds like the dad could use some counseling too and maybe just a break from being a parent 24/7.
Get marital counseling for the sake of your children.
You probably could stay there your entire life and manage but the kids deserve better.
From the sounds of it grief counseling may be in order -sm
My mom died 9/04 after 9 weeks in the hospital (as was recovering nicely too) so her death was actually quite unexpected. Considering how close we were I have handled it quite well (we talked on the phone almost every day and I visited at least 6 x a year). I never really cried though, don't know if that is good or not, yes I get teary, but I never broke down or anything. I just withdrew into myself I guess as part of me died that day. I had a rough patch in 02/05 that lasted about a month or so, but for my daughter's sake I had to pull myself out of my funk. I don't think I every really got to fully grieve though as then my dad met his girlfriend < 3 months after my mom died then got engaged 2 months later, then Jen got diagnosed with cancer, had surgery/chemo, my dad married 9 months after my mom died, etc. I can go days w/o thinking about my mom, though I loved her very much. So either I am in denial, cold-hearted, or just deal with things quickly. I don't believe you should dwell on things. Life keeps on going and there is nothing you can do about that but live your life the best you can. But if you are still so upset and cry a lot then I really think you should seek out a grief therapist so you can learn how to cope and move on. This doesn't mean you have to forget you dad by any means. I still "talk" to my mom though I have no grave to visit or anything as she donated her body to science so I have no clue where she actually is now but I like to think her spirit is here with me and that makes me feel good.
Is there a free online counseling service?
My daughter, who is 33, is married with 1 child - every time something goes wrong in her marriage or job, she calls me and I'm supposed to solve all her problems. I have asked her repeatedly to go to a counselor, but usually when she calls, it is in the evening. By the next day or Monday, the problem has gone away temporarily and then she doesn't get the help she needs again.
Does anybody know if online counseling is available that is free, other than this message board ?  I guess I'm thinking of someone with an actual degree?
Working on my Masters in Counseling Psych. I should be done in Summer 2007.
x
They will put this on your credit
Please get them to explain to you that this does affect your credit in a similar way that a bankruptcy does. After having this explained to me, I filed a Chapter 7 and was done with the problem...no payments to anyone (other than the attorney).
I was able to immediately (upon discharge 3 months later) get secured credit cards and purchased a new vehicle after 12 months. Best move I ever made.
credit
www.creditboard.com
Cars and homes can be purchased 1 day out of discharge.
thanks, but the credit goes to......
the--ahem--offshore MT who actually transcribed this. I don't think it's an urban myth.
getting credit for CCs
I guess really I don't care what the client wants, necessarily, I just want to know if we get paid for those Keystrokes if we do have to add physician names and addresses to the CCs.
Give yourself some credit.
nm
consumer credit
i don't know about them, but CAmbridge is a good one. They pay the creditors on time and are always in follow up with you. They do, however, charge a fee but it's not too great of one.
Consumer Credit
I talked with them and there was a HIGH fee for them handling my payments. Too high for me. I talked to the credit cards directly and worked with them. I think my payment to CC would have been about $70 a month. Also through them, the interest rate was lower, but the payment was higher as they do a percentage of the balance. But now that the credit cards are doing higher minimums, more people are going to be in this situation. I did go throught Trinity Credit Counseling and my fee to them was only $25. So you need to check around.
Just my two cents worth.
Credit not way great...sm
I have a pre-pay credit card; it's a Visa. The bank account, well, we don't have one, but I could give my mother-in-law's; she let us deposit in her account before, no problem. This is such a great idea. I hope this all works out. Thanks for the info!
credit cards
Don't charge unless you can pay the piper.
credit cards (sm)
Yes, this is what I am referring to. I have been receiving these notices in the mail lately basically stating that the credit card companies can do whatever they want, i.e., raising interest rates, miminum payments, etc. This was attached onto the new bankruptcy bill that was passed in October. These changes will take effect I believe in Jan 2006. I am getting rid of all of mine. I have a good FICO score of 765 and have opted out of these new changes with the intent of paying off these cards. Hope everyone else is paying attention. Happy Thanksgiving!!
Credit card? I'm not sure either.
NM
Then, do not get any more credit cards,
bank in this country, go to the doctor at all, have insurance, buy a Dell computer, or do any customer service calling. Boycott .. look around they are everywhere .. ;-)
Credit checks
I totally agree. One's credit is personal bussiness and should not be a deciding factor of one's employment. I had several jobs fall through because of credit problems that I did not cause. My Identity was stolen some 15 years ago and I also had a child abducted. I have spent the last 10 years searching for both, my child and my life. I can live without my life, however without my girl I am finding each and every passing day harder and harder to live. MY credit score is now in the upper 600's (took 6 years to fix) which is not great but heading in the right way.
So to all you EMPLOYER'S, LET ONE WITHOUT SIN THROW THE FIRST STONE
credit reports...
So true, it is across the board just about. My daughter applied at a dept store yesterday and had to agree to have one pulled...and she's only barely 16!
I can see it in one way, but just isn't fair in so many more ways...same with insurance rates being higher because of a poor credit rating. Just another way to *get us*...!
Credit consolidation
I just finished 5 long years in a debt management program. I just wanted to let anyone know if they are in debt and don't know where to turn to try careonecredit.com. It has been great and I would have never been able to do it without them. When I started it seemed like there would be no end, now the day is here and I'm debt free. It just really feels so good.
Credit Check
I have never had a credit check done in my experience in applying for a hospital job, so I would not worry.
That's horrible. An MT should get credit
for the finished product - that is what you are responsible for - and what you should be paid for - anything less is crappola.
Credit ratings
They are probably going by your credit rating. If your credit rating is good they will put your name on the mailing list. You might want to call Citibank and ask them to take your name off the list so you won't continue to get offers.
You do not get any credit for the signature
line, patient demographics, carbon copy lines, etc. Some of this info may not take a lot of effort on your part, but it still will take a bit of input for which you will not be paid. These saves lines add up at the end of the day, thus saving the hospital tons of money. It makes you wonder what will be cut next to save a buck?
Geez, at least give her credit for trying. At least, sm
if didn't work out and she had to go inhouse, at least she could say she tried. No harm in that, at least that is my opinion.
Are you asking if your line count credit is
"a fact of life" for 3rd shift? I doubt seriously any company credits lines by the "shift"...it is probably by time completed/uploaded. The new day doesn't begin until 12:01 a.m., so work completed before 12:01 a.m. is on the previous day. Makes perfect sense.
Now, if the question is that you are still awake and is that a fact of life for 3rd shifters?! Hahaha I cannot work 3rd shift. WAY to hard on the body. The equivalent of smoking a pack a day in cardiovascular risk factors!
My hat's off to you for doing it!
RE: Consumer Credit Corp.
Are they the same as Consumer Credit Counseling Services? You might want to check with this service in your city. I used CCCS many years ago, and they were very helpful. They were very strict with budgeting, but they explained everything before I agreed to their requirements. I also attended classes when I could. They also have a toll-free number: 1-866-331-2227. Hope this helps.
How do you rent a car without credit card?
I only use my debit card now. However, how do you rent a rental car without a credit card?
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