PlasticTrees asked:


Or is it credit to debt ratio? Either way, I am a college student with 1k of bad marks on my credit report from years ago. I want to get a secured credit card for the amount that would look good to lenders like “this person pays on time and has a valuable credit history w/some lenders” (ie my dell account is on there which is good and the secured card would add to it).

Am I making sense? How can I do this? I’d rather not pay off the measley 1k, it should be removed within a few years anyway.

mike p asked:


I work for a movie theather making $6.55 hr for about 25-30 hrs a week. my paycheck is usually about 130-160 takehome. I am saving right now to get a car so i can get a paper route which will bring in a little money. i am already graduated so i have plenty of spare time throughout the week. i just got done reading dave ramseys book the total money makeover and he says in order to make more money, you have to plan to make more money. so im looking for ways to earn more money. i plan on mowing about 3-5 yards this coming summer, which will get me about $75-$100 but i can do that all on one saturday. basically im wanting to work my tail off ( about 60-80 hrs a week) so that i can save up a good emergency fund, and save for a home, and retirement. i know alot of you will tell me not to overwork myself and to just work 40 hrs a week, but i can handle the work, i love to work, and im willing to make the sacrifice now for a greater result later, which is paying for a house in cash, having no car payment, having good long term investments for retirement. any suggestions will help. thanks

curious asked:


If my husband files bankruptcy on medical bills that he got while on an insurance plan through my employment will I be responsible for these bills?

humble little lady asked:


Well i do have an attorney doing my bankruptcy, he says that i am a great candidate for the bankruptcy and the firm has been in business for many years. will the garnishment stop from my check for a credit card?????

wheresmystethoscope asked:


I just got a washington mutual checking and saving. My credit score is bad. And I mean BAD. Like below 500 bad. Would getting a secured credit card with washington mutual help my credit? I’m either going to keep using my capital one or open a secured, whichever boosts my credit faster. And please don’t say anything stupid like pay your bills I know that. I need a serious answer

Snow bird asked:


What are the steps to declaring bankruptcy yourself, if you want to start somewhere and you want to just start today ?

Cherant asked:


I think the question says it all. And if you can, roughly include what you call the levels of bankruptcy, I heard level 7 is the highest. Thanks! Let’s hope we learn from this question!

Bubbles asked:


I wanted to find out if anyone in Illinois has used the Law offices of peter francis geraci to file bankruptcy. My husband and I are planning on filing and wanted to know if this law office was good or not.

mbjb06 asked:


I was wondering how much does it cost to pay a debt consolidation company to help you, because I want to know if it’s worth it. I’m in so much debt making barely and I don’t know what else to do. On payday I usually just have 100-200 dollars to myself because the rest goes to my bills.

Sekaii asked:


if i have settled a $1500 credit card debt directly with the bank for only $454.79, what is the purpose of having me fill out a IRS tax form 1099-c? and how will this negatively or positively affect my taxes and/or credit?

(i owed $1500, they said i could pay $454.79 and i will be forgiven the ramining balance of $1050.. so of course i payed the 454.79 to get out of debt lol..i didnt use a debt elimination company, i got the voucher directly from the bank.)

also, any tips or recommendations you can further give me on this issue? i plan to settle with a few other credit card companies in the same way.