
sambabchip1
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10 GoodAbout sambabchip1
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Help...Can someone recommend me a good settlement company?
sambabchip1 replied to max8176's topic in Debt Settlement
to my credit cards co's i got amex to 50%, plus the option to get the cards back, i think paying someone is a bad idea, i screw up big, 40k, i learned , to say no, but i will pay them back, no bk for me, i have a house so i really dont need to settle right away but faster is better, i talked to a bk atty, who wants to file for me , ( of course) 2500 for him. but i will take the hits an as frank sintra said get back up. sam -
love bug , im just asking...... is that a problem??????????/ i thougt that is what we do here.ask????? thx sam
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right, i f'ed up and i know it, i have talked to the big one amex, 20k i owe them an i will pay off this debt, i made up my mind, an people here should use me as a exsample. i worked hard to get them there credit cards, so i will dv my wife because she is the one who DID IT, RIGHT RIGHT, No we both did, but i will pay them off. thx sam
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a debt co.?? here, are you happy with them. i need to do something 40k in cc. stupid me. i got cc happy and now look. anyway whats done is done, i need to pay these off, i need to refi in 3 + yrs, 5 yr arm,,,,, 2012 any help.??? sam
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sub prime b/4 amex.. so i kept them, an used them alot. so as i said i will pay each one off per month, an cut or sock it. but i have i ??? will a few dings now say 30 days hurt so much in say 3 yrs, when im ready to refi, because i may have to pay one an not the other, to all FYI AMEX doent report until 90 days , sam
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cards with o bal, about 10, lowes 10k cl, homedepoy 10k,,, macys, blooms, a few more i cut them up wifeeee likes on line shopping but i cut them, a have a few gas, 3 or 4 @ 1k ea. so its only the ones like cap one 1500 cl credit one 600 merrik 1k hooters 1k junper 300 ect,,,,, i figure if i pay this off, an that just work the amex i should be ok, sam
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become the 2nd tapeduct banit to hit but only i will use clear tape lol, sam
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i have 1 or 2 cards that have some $$$ but most are maxed.... i f'ed up, overused this cards, used up most of heloc the only thing i did correct was i put 70k down on my house, an @ 5.75 for 5 yrs it was a good deal. if not im walking away today, like most in forcloseure. but 40 k is not that much, i can do it, thx sam
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my scores are not bad, 650 is middle. most of the people are saying it LTV is to high, house is not appraising as once was, only 330k i need 310k something to do all cc , heloc, and 1st, so heres my plan, pay all 40k before 2012, i make 70k house bills 2k thats 1st 2nd and water, ele, cable,, so i have 2k to spend so i think its doable, 3.5 yrs, , even if i pay the 20k in 1 yrs, and keep amex going i dontg think they will drop me, thx sam
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about cc anymore, i have lowes, homedepot, if something were needed at the house, my 3 cars are paid i dont think i will need one for a few yrs, only 2 problems 1. i have a 5 yr arm, due to adj in 2012 so i will need to refi, 2. 40 k in cc but i do have a plan, pay off 1 cc a month, amex are 5k but i hav15cc total 20 k, i can pay 1k each month an dont use it so i do have a plan an if they cancell me f them, as i pay my heloc that can be use as a cc also. ps funny guy, i haven smoked in 35 yrs,,,,, hate it, think to much. oh maybe i should start ,, thinking...... thx sam
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yesterday, i have a home est @ 330k, i have a 1st @ 236k @ 5.85 an a heloc @ 40k @ 6.00, i have 5 amex with has 10k each, 2 month ago they amex droped the cl to the bal. about 5k on ea, now i have 20k with amex, and another 20k in cc with different banks. income is 70k, i was doing fine untill all this credit and housing mess. i know what i neeed to do, pay down the cc, thats it. i wanted to refi all into but the house doesnt have eq, init im @ 90% LTV i dont fell BK for 40k IS WORTH IT. what would YOU do, sam
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My ? is how after , have a house @ 350k, all the credit i could want i cannot get a loan to refi, 30 in cc. house is now @ 330k , 236k 1st 30k 2nd an i cant get some f ing bank to refi me. sam
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this could be the case, but here i am, 40k in cc, bank pulled back heloc to 40 k, FROM 100K paying all cc on time but nothing left from paycheck amex 4 cards, 20k, 5k on each, they pull all credit to the 5500 mark. cannot refi LTV is to high, what to do???? BK I WILL NOT DO, sam
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AMEX Blue Cash
sambabchip1 replied to mikeg's topic in Obtaining Credit Cards, Auto Loans and Financing
is like a 4 yr good tl, 5 .00 per month thought sam