http://bit.ly/t4h4K1
Susan asks…
Are the any comparable totally free categorized ad site like craigslist and backpage?
I want much more free classified advert internet sites and other totally free forums of advertising publication for advertising for my credit rating restore solutions.
ItIsAllHere answers:
Hi
There are some web sites like craigslist. It could be will help you.
Http://www.ebayclassifieds.com/
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Resource:
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Betty asks…
Some1 stated folks in "Politics" no a whole lot. Can a person clarify what a "merchant" is relating to credit rating cards?
I tried for two times to uncover answer in two other forums. No go. SO I request the following exactly where I hear people are intelligent.
a friend operates for a credit score repair business. Only been there a few months,.They use 'merchants' . She claims the organization keeps shedding 'merchants' due to the fact they have a whole lot of what are called 'chargebacks".
No a single would seem to want to make clear to her what all of this indicates. They just want her to provide in sales. But, there have been a few problems with her paychecks.The company has occasionally had a difficulty with payroll and was not compensated on time. Se discovered that just before she came on board, a 'merchant' had 'froze" the company's account.
Can any person make clear what a 'merchant account is or in the alternative, give us a website link that will clarify specifically what 'merchants' do?
Thanks. It would be appreciated.!
back
(she was told that the merchant account was what was employed for payroll? and most of the revenue are produced by using dollars from customer's credit score cards.)
ItIsAllHere answers:
Okay folks use their credit rating cards to get stuff from merchants. The retailers are the merchants. The credit score card businesses are banks that are making brief phrase loans to the retailers on behalf of the consumers with the agreement that the buyer is heading to pay them again. Often individuals cost a lot more than they can pay for and cannot repay all that they borrowed. That is when they need credit rating repair providers to assist handle their accounts and negotiate payments they can find the money for.
A chargeback is when a customer returns a thing and the price of it is credited back to the credit score card employed to obtain the item. This could create a complication for a 3rd or fourth celebration credit score repair business as it would comnpletely change the math of the loans they are trying to make and the balances they are operating with. It essentially takes them out of the equation when consumers retailers and credit history card organizations solve the difficulties with no them. So any time a chargeback happens, the credit rating fix services loses an option to make cash. And a whole lot of credit rating fix comanies are just using edge of men and women . So many merchants never want to offer with them if they suspect they are making an attempt to do some thing unethical. This could be why the accounts ended up frozen.
Richard asks…
Best on-line forum for house loan and foreclosure purchase investments?
Can any individual give me a good online forum to ask questions about getting foreclosure property?
Is was primarily questioning if it is (approximately) possible to get a buy a foreclosed house, and then get an equity financial loan and that same house.
For example, a condominium fees $20,000, I spend 50 % up front and finance the remaining $10,000.
The property is worth $40k, can I get an equity bank loan for the $20k equity, shell out of the house loan, and use the remaining $10k for repairs and improvements?
Or is it unlikely for a financial institution to give an equity loan in that circumstance? Assuming credit and almost everything else checks out.
A excellent online forum would be amazing but answering the problem would support also, thank you :)
ItIsAllHere solutions:
No matter whether you can get an equity mortgage is dependent on your circumstance, you are not acquiring an equity mortgage on the first purchase, that is not heading to come about.
George asks…
Is "Man Wrecks His Credit history for Girlfrd" a newsworthy headline appropriate up there with "Sun Rises In The Early morning"??
I located this submit in the finance segment of fatwallet forums. An additional tale of a guy ruining his existence to purchase a golddigger every little thing she desires.
hxxp://www.fatwallet.com/t/fifty two/806763/
I am pondering if I should speak to my friend about this or just allow the train wreck arrive with out stating anything. Honestly I assume I will retain my mouth shut just since he possibly will not speak to me any more if I say anything at all. Essentially he has a girlfriend that he is Certain "loves" him. From what I can inform from one of her friends
she has a heritage of bleeding her partners dry fiscally then relocating on.
Fundamentally he has been with her about 18 months and has gone from about zero bucks in debt to now over 20K in that time and it is getting added to each and every month.
He has also gotten a loved ones member to harmony transfer 8K to her credit score card simply because he cannot take care of it all. (his loved ones member thinks he is ONLY 8K in credit card debt and is supposedly just assisting him pay off the 8K at a "decrease fee", but that 8K isn't like the 20K he is carrying on leading of that)
He has over ten credit cards all with balances plus an vehicle loan. He has previously has late payments on some of the cards and he is paying some on default curiosity premiums.
He WAS about a 12 months away from finding his degree, but he has postponed that now (aka, dropped out) to perform much more due to the fact his girlfriend is demanding far more and a lot more. What created him drop out eventually was her desire for him to move out from leaving with his room mate (that compensated half the rent on a reasonable priced apartment), and now move in to a higher expense apartment which he pays for in total himself.
He helps make about $2200 Net Shell out a month.
If he stops his investing he can nonetheless probably pay out off the financial debt he has, but it really is like he won't see where this is heading at all.
He is getting her all varieties of crap -
Ipods,
a $600 scanner to scan her images with!,
laptop pc,
he got her a $five hundred PDA cellphone and a agreement under HIS identify, and is even spending her everyday expenses. (meals, car repair bills, everything)
She also constantly is on him to get her out to dinner ($a hundred a dinner at a nice place somtimes),
just take her to reveals,
all varieties of likely out crap that he can not pay for to preserve placing on credit cards.
She does not aid him pay a DIME on ANY bill.
In truth, anytime she does get a work she generally only keeps it for a month or so, calls in sick 50 % that time, and pockets all the money her self.
Is there nearly anything anyone has actually learned you can say to someone in this scenario to wake them up?
I hate to see him toss away his schooling and be in huge financial debt simply because he thinks his girlfriend would never use him for funds. I mean it is clear to my self, his other buddies, and some of his family what is likely on the following. Why isn't it evident to him?
Johno: Lol...wonderful retort! Properly, it's possible An individual really should try at sitting him down someplace peaceful and talking to him about this things, hmm? Personally I uncover that guys in these circumstances do not listen and as a substitute toss all their sh*t back again at you... Like YOUR the dilemma. Occasionally men and women have to find out the tough way. Unfortunate but accurate. Wonder in which
are the parents/household/good buddies and so on... when things like this occur down?
Tracey: You would be greater off to get a live hand grenade in the weapons road market place, pull the pin and sit on that sucker. Far much less soreness. The difficulty is, that is what MOST males do as Simps. His is just quicker and much more painful.
justme1: Loll...I like your believed method here. This man has no constituion and is better off losing his occupation, so cupcake can demonstrate all of his correct pals right when SHE dumps him. Gentleman ruins his credit and economic health in a lot of situations to remember to feminine pal, then feminine fiend (not a typo) trades up for an additional sucker. It does not compute! Prostitution is only illegal for the Johns, I guess... *sigh*
And actuality is that we are viewing a society bless the violence against adult men is now blessing the violence and castration of little boys. When we teach douleur that staying strike, humiliated or fiscally controlled is not abuse and then ask them if they are victims of abuse, what do you assume to get? If we inform females that if they volunteered to get drunk and have sex but many years later she regrets it, she was the victim of abuse and asks her if she is the victim of abuse, what do you expect to get?
http://bit.ly/uuZyAN
ItIsAllHere solutions:
That's actually unfortunate. I definitely feel you ought to say one thing--the guy is drowning. He may possibly reject what you say, but it is important to be said. It's also crucial to say it in a non-judgmental, non-condemnatory way. Do not attack him or the girlfriend. Just mention how worrisome this is, and that you might be positive that she'll be knowledge when he tells her he is acquired to start off spending interest to his credit and rein issues in. That any responsible, loving, caring girlfriend will recognize this. And that you will be there for him. Let him fill in the connections in between her character and her response to his credit score difficulty.
I am unclear, even though: did you study this entire problem on fatwallet, or are you telling this tale due to the fact of some thing related you observed on fatwallet?
Mark asks…
Aid! Far more queries about selection businesses making an attempt to collect old, Previous expenses!?
I was the 1 a couple of times in the past that had a collection agency harassing us about bills that were written off ten-twelve many years back. (In a nutshell, we ended up in wonderful form, had excellent credit rating, and disease wiped us out, put us on the street, and we are now each disabled and barely scraping by.) I want to thank each and each a single of you who answered....all the answers served, but I identified out I couldn't thank you on the forum.
But NOW I have a new difficulty. We checked the suggested web sites, talked to the men and women suggested, found out you all ended up correct that these folks can't legally harrass us.
When we advised them this, they admitted it was true, but advised us if we Failed to pay them, all they had to do to destroy our recently repaired credit rating was to inquire about our credit to the credit rating reporting organizations each couple of days. I know (and you all almost certainly know) that each and every inquiry drops your credit score score a stage. Inside of a few months our credit will be crap once again. Blackmail. Any recommendations? Thank you!
ItIsAllHere solutions:
Previous debt is nevertheless debt. By no means the significantly less, to shield by yourself from harassment, inform them absolutely nothing apart from your lawyer's name and telephone number.
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