Mary asks…
Are the any similar cost-free categorized ad web site like craigslist and backpage?
I need to have much more totally free categorized advert sites and other totally free message boards of advertising publication for marketing for my credit history restore companies.
ItIsAllHere solutions:
Hi there
There are some sites like craigslist. It may be assists you.
http://ping.fm/UIoIA
http://bit.ly/F6oC5
http://bit.ly/hAeEO
http://bit.ly/IOysl
Source:
http://bit.ly/v7fXLu
Nancy asks…
Some1 said people in "Politics" no a great deal. Can somebody describe what a "merchant" is with regards to credit rating cards?
I tried using for two days to uncover reply in two other discussion boards. No go. SO I ask the following exactly where I listen to folks are sensible.
a pal performs for a credit rating fix business. Only been there a few months,.They use 'merchants' . She states the firm retains losing 'merchants' due to the fact they have a great deal of what are referred to as 'chargebacks".
No one particular seems to want to explain to her what all of this means. They just want her to deliver in income. But, there have been a few troubles with her paychecks.The company has occasionally had a difficulty with payroll and was not paid on time. Se realized that prior to she came on board, a 'merchant' had 'froze" the company's account.
Can any person describe what a 'merchant account is or in the alternative, give us a website link that will describe just what 'merchants' do?
Thank you. It would be appreciated.!
back
(she was advised that the merchant account was what was employed for payroll? and most of the product sales are manufactured by using dollars from customer's credit rating cards.)
ItIsAllHere answers:
Okay men and women use their credit history cards to acquire stuff from shops. The shops are the retailers. The credit score card businesses are banking institutions that are making quick expression loans to the retailers on behalf of the clients with the arrangement that the consumer is going to spend them again. Frequently people charge much more than they can find the money for and can't repay all that they borrowed. That is when they need credit score restore companies to support control their accounts and negotiate payments they can pay for.
A chargeback is when a customer returns one thing and the price of it is credited back to the credit score card used to buy the product. This could generate a complication for a third or fourth celebration credit history fix business as it would comnpletely adjust the math of the loans they are attempting to make and the balances they are working with. It essentially takes them out of the equation when customers merchants and credit score card firms resolve the difficulties without them. So any time a chargeback occurs, the credit fix services loses an option to make cash. And a lot of credit history repair comanies are just getting edge of individuals . So many retailers will not want to deal with them if they suspect they are trying to do some thing unethical. This might be why the accounts ended up frozen.
Betty asks…
Best on-line forum for mortgage loan and foreclosure obtain investments?
Can anyone give me a excellent on the web forum to question inquiries about acquiring foreclosure house?
Is was largely asking yourself if it is (approximately) feasible to get a buy a foreclosed house, and then get an equity loan and that same residence.
For illustration, a condominium fees $20,000, I pay out half up front and finance the remaining $ten,000.
The house is worth $40k, can I get an equity bank loan for the $20k equity, shell out of the mortgage, and use the remaining $10k for repairs and enhancements?
Or is it not likely for a lender to give an equity bank loan in that predicament? Assuming credit score and everything else checks out.
A good on the internet forum would be awesome but answering the issue would support way too, many thanks :)
ItIsAllHere answers:
Whether or not you can get an equity loan is dependent on your predicament, you are not obtaining an equity financial loan on the first acquire, that is not going to come about.
Linda asks…
Is "Man Wrecks His Credit rating for Girlfrd" a newsworthy headline appropriate up there with "Sun Rises In The Morning"??
I discovered this submit in the finance part of fatwallet discussion boards. An additional tale of a male ruining his life to acquire a golddigger everything she wants.
hxxp://www.fatwallet.com/t/fifty two/806763/
I am pondering if I should talk to my pal about this or just let the practice wreck arrive with out expressing something. Actually I assume I will retain my mouth shut just because he possibly will not likely talk to me any more if I say anything. Fundamentally he has a girlfriend that he is Sure "adores" him. From what I can tell from a single of her close friends
she has a history of bleeding her companions dry monetarily then going on.
Fundamentally he has been with her about 18 months and has gone from about zero pounds in personal debt to now above 20K in that time and it's obtaining extra to each month.
He has also gotten a loved ones member to balance transfer 8K to her credit score card since he can't manage it all. (his household member thinks he is ONLY 8K in debt and is supposedly just supporting him pay out off the 8K at a "decrease rate", but that 8K isn't really including the 20K he is carrying on best of that)
He has more than ten credit cards all with balances additionally an vehicle loan. He has previously has late payments on some of the cards and he is paying some on default fascination prices.
He WAS about a 12 months absent from finding his degree, but he has postponed that now (aka, dropped out) to work a lot more due to the fact his girlfriend is demanding much more and far more. What made him drop out lastly was her need for him to transfer out from leaving with his place mate (that paid out 50 percent the lease on a sensible priced apartment), and now move in to a higher cost apartment which he pays for in full himself.
He can make about $2200 Internet Shell out a month.
If he stops his shelling out he can even now most likely shell out off the financial debt he has, but it really is like he won't see wherever this is heading at all.
He is acquiring her all kinds of crap -
Ipods,
a $600 scanner to scan her pictures with!,
laptop computer computer,
he got her a $five hundred PDA phone and a agreement under HIS identify, and is even having to pay her each day payments. (meals, car fix charges, every little thing)
She also consistently is on him to consider her out to supper ($100 a dinner at a nice location somtimes),
consider her to shows,
all sorts of heading out crap that he can not pay for to keep placing on credit score cards.
She does not support him shell out a DIME on ANY invoice.
In truth, when she does get a task she normally only retains it for a month or so, calls in ill fifty percent that time, and pockets all the money her self.
Is there something anyone has ever learned you can say to an individual in this situation to wake them up?
I detest to see him throw absent his training and be in massive credit card debt since he thinks his girlfriend would by no means use him for dollars. I imply it is obvious to my self, his other friends, and some of his family what is going on here. Why just isn't it evident to him?
Johno: Lol...excellent retort! Effectively, it's possible A person really should consider at sitting him down somewhere peaceful and speaking to him about this stuff, hmm? Personally I discover that men in these scenarios never listen and as an alternative toss all their sh*t back again at you... Like YOUR the dilemma. Sometimes people have to find out the tough way. Unfortunate but genuine. Surprise where
are the dad and mom/family/good buddies and so forth... when stuff like this come down?
Tracey: You would be much better off to purchase a reside hand grenade in the weapons road industry, pull the pin and sit on that sucker. Way a lot less pain. The dilemma is, that is what MOST adult men do as Simps. His is just quicker and a lot more agonizing.
justme1: Loll...I like your considered method here. This man has no constituion and is far better off dropping his work, so cupcake can prove all of his genuine friends proper when SHE dumps him. Man ruins his credit history and fiscal well being in many circumstances to make sure you female good friend, then feminine fiend (not a typo) trades up for another sucker. It does not compute! Prostitution is only unlawful for the Johns, I guess... *sigh*
And reality is that we are viewing a modern society bless the violence towards guys is now blessing the violence and castration of little boys. When we teach males that staying hit, humiliated or monetarily controlled is not abuse and then request them if they are victims of abuse, what do you count on to get? If we inform females that if they volunteered to get drunk and have sex however a long time afterwards she regrets it, she was the victim of abuse and asks her if she is the victim of abuse, what do you count on to get?
http://bit.ly/uuZyAN
ItIsAllHere answers:
Which is really unhappy. I undoubtedly think you must say some thing--the man is drowning. He may possibly reject what you say, but it is critical to be stated. It really is also essential to say it in a non-judgmental, non-condemnatory way. Do not assault him or the girlfriend. Just point out how worrisome this is, and that you're positive that she'll be understanding when he tells her he's got to commence paying consideration to his credit score and rein points in. That any responsible, loving, caring girlfriend will comprehend this. And that you'll be there for him. Allow him fill in the connections among her character and her reaction to his credit history issue.
I am unclear, although: did you go through this total issue on fatwallet, or are you telling this story simply because of something similar you observed on fatwallet?
Carol asks…
Assist! More inquiries about collection businesses hoping to collect aged, Previous charges!?
I was the one particular a number of times back that had a assortment company harassing us about bills that had been published off ten-12 several years back. (In a nutshell, we have been in excellent form, had fantastic credit score, and disease wiped us out, place us on the street, and we're now each disabled and hardly scraping by.) I want to thank each and every single a single of you who answered....all the answers helped, but I found out I could not thank you on the forum.
But NOW I have a new dilemma. We checked the proposed websites, talked to the people proposed, discovered out you all ended up correct that these folks cannot legally harrass us.
When we told them this, they admitted it was true, but instructed us if we Did not pay out them, all they had to do to ruin our newly repaired credit history ranking was to inquire about our credit rating to the credit reporting companies every handful of times. I know (and you all probably know) that each inquiry drops your credit history score a stage. In a few months our credit score will be crap once again. Blackmail. Any tips? Many thanks!
ItIsAllHere answers:
Outdated financial debt is nonetheless financial debt. In no way the significantly less, to defend by yourself from harassment, tell them absolutely nothing apart from your lawyer's title and phone number.
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