Jenny asks…
Are the any related cost-free classified advertisement site like craigslist and backpage?
I require far more cost-free categorized advertisement websites and other free forums of marketing and advertising publication for advertising for my credit restore providers.
ItIsAllHere solutions:
Hello
There are some web sites like craigslist. It could be aids you.
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Source:
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Ken asks…
Some1 explained folks in "Politics" no a lot. Can an individual explain what a "merchant" is concerning credit score cards?
I attempted for two times to discover solution in two other community forums. No go. SO I question the following exactly where I hear men and women are wise.
a friend operates for a credit history repair company. Only been there a few months,.They use 'merchants' . She states the business retains shedding 'merchants' because they have a whole lot of what are referred to as 'chargebacks".
No a single seems to want to describe to her what all of this implies. They just want her to deliver in sales. But, there have been a few troubles with her paychecks.The firm has at times had a dilemma with payroll and was not compensated on time. Se learned that ahead of she came on board, a 'merchant' had 'froze" the company's account.
Can anybody clarify what a 'merchant account is or in the substitute, give us a hyperlink that will explain precisely what 'merchants' do?
Thank you. It would be appreciated.!
in the past
(she was informed that the merchant account was what was used for payroll? and most of the income are made by getting funds from customer's credit rating cards.)
ItIsAllHere solutions:
Okay folks use their credit rating cards to buy things from retailers. The merchants are the merchants. The credit score card firms are financial institutions that are making short expression loans to the merchants on behalf of the consumers with the agreement that the customer is going to spend them back again. Often men and women charge a lot more than they can find the money for and can not repay all that they borrowed. That is when they need to have credit history restore services to support control their accounts and negotiate payments they can afford.
A chargeback is when a consumer returns something and the value of it is credited again to the credit score card utilised to buy the merchandise. This could generate a complication for a 3rd or fourth party credit fix business as it would comnpletely change the math of the loans they are attempting to make and the balances they are functioning with. It essentially will take them out of the equation when consumers merchants and credit history card companies remedy the problems without them. So any time a chargeback transpires, the credit history fix services loses an opportunity to make funds. And a great deal of credit score fix comanies are just using advantage of folks . So several merchants will not want to deal with them if they suspect they are making an attempt to do a thing unethical. This may be why the accounts had been frozen.
Maria asks…
Best on the internet forum for mortgage loan and foreclosure acquire investments?
Can any person give me a great on the web forum to ask queries about buying foreclosure property?
Is was mostly wondering if it is (roughly) feasible to get a buy a foreclosed residence, and then get an equity mortgage and that very same residence.
For example, a condo fees $20,000, I pay out 50 percent up front and finance the remaining $ten,000.
The residence is worth $40k, can I get an equity mortgage for the $20k equity, pay of the home loan, and use the remaining $10k for repairs and enhancements?
Or is it not likely for a lender to give an equity loan in that predicament? Assuming credit and every little thing else checks out.
A good on the web forum would be awesome but answering the query would aid also, many thanks :)
ItIsAllHere answers:
Regardless of whether you can get an equity loan is dependent on your situation, you are not acquiring an equity bank loan on the initial acquire, that is not going to take place.
David asks…
Is "Man Wrecks His Credit history for Girlfrd" a newsworthy headline proper up there with "Sunlight Rises In The Early morning"??
I identified this post in the finance part of fatwallet discussion boards. One more tale of a gentleman ruining his lifestyle to acquire a golddigger every little thing she wants.
hxxp://www.fatwallet.com/t/fifty two/806763/
I am wondering if I ought to speak to my good friend about this or just permit the prepare wreck arrive with out declaring anything. Truthfully I assume I will maintain my mouth shut just because he possibly will not likely speak to me any longer if I say something. Basically he has a girlfriend that he is Sure "loves" him. From what I can notify from one particular of her pals
she has a history of bleeding her companions dry financially then going on.
Generally he has been with her about eighteen months and has gone from about zero pounds in credit card debt to now over 20K in that time and it can be getting added to every month.
He has also gotten a loved ones member to harmony transfer 8K to her credit score card since he are not able to handle it all. (his family members member thinks he is ONLY 8K in financial debt and is supposedly just helping him pay out off the 8K at a "decrease charge", but that 8K isn't including the 20K he is carrying on best of that)
He has more than ten credit rating cards all with balances additionally an auto bank loan. He has currently has late payments on some of the cards and he is paying some on default interest rates.
He WAS about a 12 months away from obtaining his degree, but he has postponed that now (aka, dropped out) to function more simply because his girlfriend is demanding more and far more. What made him drop out eventually was her desire for him to transfer out from leaving with his place mate (that compensated fifty percent the rent on a affordable priced apartment), and now move in to a higher expense apartment which he pays for in total himself.
He makes about $2200 Web Pay a month.
If he stops his investing he can even now probably shell out off the personal debt he has, but it really is like he does not see in which this is heading at all.
He is acquiring her all kinds of crap -
Ipods,
a $600 scanner to scan her photographs with!,
laptop computer,
he acquired her a $five hundred PDA mobile phone and a contract beneath HIS name, and is even having to pay her every day expenses. (foodstuff, auto repair charges, everything)
She also constantly is on him to just take her out to supper ($a hundred a dinner at a nice location somtimes),
consider her to shows,
all varieties of likely out crap that he can not pay for to retain putting on credit cards.
She does not support him spend a DIME on ANY invoice.
In truth, every time she does get a work she usually only retains it for a month or so, calls in sick 50 percent that time, and pockets all the cash her self.
Is there anything any person has at any time learned you can say to a person in this situation to wake them up?
I dislike to see him toss away his education and learning and be in enormous personal debt simply because he thinks his girlfriend would never ever use him for funds. I suggest it is clear to my self, his other friends, and some of his loved ones what is heading on the following. Why isn't really it apparent to him?
Johno: Lol...fantastic retort! Well, maybe An individual really should try out at sitting him down somewhere quiet and speaking to him about this things, hmm? Personally I uncover that guys in these circumstances will not hear and instead throw all their sh*t again at you... Like YOUR the problem. At times men and women have to find out the challenging way. Unhappy but genuine. Surprise wherever
are the parents/family/great buddies and many others... when things like this occur down?
Tracey: You would be better off to buy a are living hand grenade in the weapons street marketplace, pull the pin and sit on that sucker. Way a lot less pain. The problem is, that is what MOST guys do as Simps. His is just faster and more agonizing.
justme1: Loll...I like your thought approach the following. This guy has no constituion and is much better off losing his job, so cupcake can show all of his true close friends right when SHE dumps him. Gentleman ruins his credit rating and financial well being in many situations to remember to feminine good friend, then female fiend (not a typo) trades up for another sucker. It does not compute! Prostitution is only unlawful for the Johns, I guess... *sigh*
And fact is that we are viewing a society bless the violence towards men is now blessing the violence and castration of small boys. When we educate males that being hit, humiliated or financially controlled is not abuse and then ask them if they are victims of abuse, what do you expect to get? If we tell females that if they volunteered to get drunk and have intercourse nevertheless many years afterwards she regrets it, she was the victim of abuse and asks her if she is the victim of abuse, what do you assume to get?
http://bit.ly/uSdPBA
ItIsAllHere answers:
That's actually unfortunate. I surely assume you should say something--the man is drowning. He may possibly reject what you say, but it's crucial to be explained. It is also critical to say it in a non-judgmental, non-condemnatory way. Don't assault him or the girlfriend. Just point out how worrisome this is, and that you might be confident that she'll be understanding when he tells her he's received to start having to pay focus to his credit and rein items in. That any accountable, loving, caring girlfriend will recognize this. And that you may be there for him. Allow him fill in the connections in between her character and her response to his credit rating dilemma.
I am unclear, however: did you examine this total question on fatwallet, or are you telling this story since of a thing similar you noticed on fatwallet?
Paul asks…
Aid! Much more questions about collection businesses making an attempt to accumulate outdated, Aged bills!?
I was the one a few times ago that had a assortment company harassing us about payments that have been created off 10-12 many years back. (In a nutshell, we were in wonderful shape, had wonderful credit rating, and illness wiped us out, set us on the road, and we are now the two disabled and barely scraping by.) I want to thank each and every and each a single of you who answered....all the answers assisted, but I found out I couldn't thank you on the forum.
But NOW I have a new issue. We checked the recommended sites, talked to the people advised, found out you all were proper that these folks cannot legally harrass us.
When we instructed them this, they admitted it was correct, but told us if we Failed to pay them, all they had to do to demolish our newly fixed credit history rating was to inquire about our credit to the credit history reporting agencies every handful of days. I know (and you all probably know) that each and every inquiry drops your credit score score a level. Inside of a handful of months our credit rating will be crap once again. Blackmail. Any recommendations? Many thanks!
ItIsAllHere answers:
Previous financial debt is even now personal debt. In no way the less, to shield your self from harassment, tell them nothing at all other than your lawyer's title and telephone range.
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