Tony answers:

Keep it with a 0 balance. As long as it doesn’t have an annual fee you aren’t hurting yourself. Having more accounts (3-4 minimum, not more than 6-7 revolving accounts) helps you by giving a lender MORE evidence that you can manage your debts over a longer period of time. If a person has no late payments but only has one credit card with a 500 limit for the last 6 months – how do you know they are a good risk?

Tony answers:

What?!? The only thing I can imagine that may happen to your cards is that they increase your interest rate…maybe. Chances are if you max out your cards with that kind of balance you’ll just get a sued so your wages can be garnished. Unless you were just gonna be a beach comber for the rest of eternity. Then go ahead.

Tony answers:

For a booth at an arts and crafts fair you would definitely want to use a wireless credit card terminal. Swiping the card gives you a lower discount rate. Never lease your equipment. Get it for free or buy it.You want to find a company that has no annual fees, no start-up costs, no application fees, a low discount rate, low transaction fee, & do not pay for training on your equipment. Never sign a contract with out reading all of it. Some sales people will tell you things and it turns out differently. Take care of yourself and your business.
I have done research on all of these companies before. Simple Payment Systems is the best and meets all that I have stated above. I am completely satisfied with them.
I did look into propay.com and there were many complaints online about them.
You can go to the web site below and call them or fill out the form and they will call you.
Best wishes!

Tell them you want the”Free Terminal Program” (On the web site it showed which terminals are on it. ) I hope this helps!

Tony answers:

My parents told me when I was younger to have a limit of two credit cards. One Visa and one MasterCard. In case of an emergency, just about every place will take one or the other, often times both.

Tony answers:

Bob Diamond, President of Barclays PLC

Tony answers:

coz u r on intenet and intenet is one kind of network u r country is passing through uk servers so u r getting .uk insted of com better u type manually but all are same

Tony answers:

go to www.google and go down to make google your homepage and that this it you have google homepage in your computer

Tony answers:

Sounds like a possible browser hijacker to me. You should run anti-malware scans and fix anything they may find and then reset your default search.

Tony answers:

2 ways – 1 they liase with your debtors and get them to reduce / freeze interest.

2 they get you to do an IVA which is like becoming bankrupt, but not as bad, and you pay off some of what you owe, with them taking a management fee. DONT pay them up front with your credit card, because technically it could be classed as fraud to put things on your credit card once you have decided to go into one of these arrangements.

drawbacks, either way destroys your credit history, so you might be debt free after 5 years, but with a crappy credit history.

Tony answers:

The trick is in the language. The IRS will negotiate on some of the penalties and/or the interest on the originally tax owed but will never decrease the original (ie before the penalties and interest) underlying tax amount owed. The IRS will negotiate on these items if you will agree to pay on time or on a schedule in the future. The people on tv are lawyers or consultants who will help in your negotiations. You may able to try to negotiate yourself simply by asking if they will negotiate when they contact you.

Tony answers:

The truth is that any involving any company in sorting your debts is going to cost you a lot of money and increase your debt. None of these companies work for free, and the payments they arrange will always include generous fees for their services.

If at all possible you should try to tackle your debt yourself. There is help available online, as long as you can avoid the companies that are just trying to sell you something.

There are lots of things you can do yourself, from looking at transfering your credit card balances, to controling your expenditure, working out a Financial Statement and approaching your creditors yourself. With a bit of help you should be able to make progress yourself without paying someone else and making your situation even worse.

Tony answers:

You really need to compare what they are offering against what you currently are servicing. EG, if you have a credit card you are paying 19.5% interest on and a loan from a credit agency has a cheaper interest rate and low fees, it may be worthwhile doing something.
Debt consolidation is also a good idea if you are paying off numerous debts you can consolidate them into one debt and that way you only have one bill to pay. The trick however, is to continue paying exactly what you currently pay, not less. You do this to ensure that you are not paying any more interest than you have to.
Loan companies will try and offer say a 3 year loan by paying less weekly/fortnightly/monthly repayments, when you could have it paid in 2 years. You don’t want to do this as ultimately you end up paying more in interest.

Tony answers:

Contact the company and tell them to “cease and desist” You have the right to do so. They can still attempt to collect, but they cannot bother you. I have had this done for my elderly father.

Tony answers:

Next time they call, reference the “Fair Debt Collection Practices Act.” They are breaking the law.

The Act prohibits certain types of “abusive and deceptive” conduct when attempting to collect debts, including the following:

contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time
contacting consumers in any way (other than litigation) after receiving WRITTEN notice that said consumer wishes no further contact or refuses to pay the alleged debt (unless it is to say that collection efforts are being terminated or that the collector intends to file a lawsuit)
contacting consumers at their place of employment (after having been told verbally or in writing that this is not acceptable)

As for HOW they got your number, when you fill out your credit application you are required to put your place of employment and proof of income. It’s just a matter of calling the company and asking for you.

Tony answers:

Try the link below,

http://www.ag.ca.gov/consumers/general/collection_agencies10.htm

State laws can be equal to or stricter than federal laws.

Tony answers:

Only the same laws that forbid any other type of abusive or harassing behavior.

You are right, the FDCPA does not apply to the original creditor. Lots of things that a debt collector cannot do, the original creditor can.

Richard

Tony answers:

In simple terms MIS it is like an organization or a system,which manages information of a company or firm in a very efficient and a productive manner.The objective of the MIS is to provide information for a decision support in the process of management.
Technically,It is defined as a system which provides information support in decision making in the organization. OR
It is an integrated System of men and machine for providing the information to support the operation,management and the decision making function in the organization. OR
A system based on database of the organization ,evolved for the purpose of providing information to the people of the organization.

For more information check out:-

http://www.diacritech.com/samples/interior_design/Computer-4color.pdf

http://en.wikipedia.org/wiki/Management_information_systems

Tony answers:

A data base is a collection of information organized in a particular manner so that it can be accessed efficiently. It can be a spreadsheet, but more likely it is stored in a computer. Everyone uses data bases. Your checking account is a data base of your financial transactions. The information in a data base is input as transactions take place and as data are collected from appropriate sources. For example, your add to your checking account data base every time you write a check or make a deposit.

Tony answers:

take creadit card information to marke to people baice on past purchers

Tony answers:

hardware, software, people, procedures, and collections of data

Tony answers:

try to do it asap,

Tony answers:

See http://www.esuperfind.com/lowermybills.phpp?id=hra0tt16koo9 the affiliated site is an Experian company BBB approved so very safe.
They might or they might not have you on. It depends on many factors and how big the debt is.

Tony answers:

The amount of a monthly payment will vary depending on your a) income and b) monthly bills. Thats what the consolidation is for…some companies also add in a “maintainence fee” or the like that is added into the monthly cost.
It is my advice to you that consolidation for an amount of this size doesn’t seem to be the best option.
Instead you should contact the creditors that the balances are owed to and work payment arrangements through them.
There are some seriously shady Debt Consolidation Companies out there so be careful and check their records with the BBB before doing business.

Tony answers:

Yes they can. I know of a couple that you can check out and rate them yourself.

www.careonecredit.com
www.thefreedompoint.com
www.consumercredit.com
www.kimberlycredit.com

These are a couple of debt relief companies that can help you consolidate your bills into one monthly payment. Some of them are NON Profit and they are usually Low Cost. I’m not sure how this will show up on your Credit Report, but they will and can help if you have people calling you day and night. I’m pretty sure they don’t put anything on your Credit Report about it being a Bankruptcy because its not. Hopefully this can help. Let me know how it turns out.

Tony answers:

Generally, a consolidation loan lumps all your student loans into a new loan, with up to 30 years to pay back and a fixed interest rate. It really makes it easy if you have student loans scattered across different lenders/servicers.

The key word in your statement is ‘up to $2000′, if you have a lower balance, you probably will not get that much as a credit. Yes, you would get a credit, not cash back.

And if you do get ‘up to $2000′, believe me, you will pay for it eventually. There’s no such thing as a free lunch (imo).

Tony answers:

t is very common in today times to find that you are graduating from college with a number of student loan debts. When you start looking at all of your loans, the repayment terms, and the interest rates; it can quickly become overwhelming. However by looking at student loan consolidation rates you might be able to save money and reduce the number of payments that you make on a regular basis. When you consolidate your loans you will find that you have better interest rates, better terms and one simple payment to make each month. Plus most student loan consolidation companies actually help you with being able to find the best options for you including repayment terms that fit into your budget.

By being able to find great student loan consolidation rates you will be able to reduce any feelings of anxiety that you might have over the process. This lower interest rate will help you to be able to have more affordable payments. Plus you will save money in checking as you only have to write one check each month rather than sending multiple checks out for multiple payments.

http://loan-house.we.bs/loanconsolidation.html

There are many helpful pointers that you should follow when trying to get the best student loan consolidation rates. One of these is that you should make sure that you are not choosing the first company that you talk to without looking at the options given by other companies. This is one area where comparison shopping could save you a ton of money over the terms of your loan. You will want to make sure that you choose a company that has payments that fit into your budget and are at a reasonable monthly rate. Student loan consolidation companies are supposed to help you by offering lower payments, lower interest rates and a bunch of other benefits. Plus these companies do not typically ask for any additional fees so you might want to question things if you are being asked to pay any additional fees.

Also when you are looking at these loans, the lenders might push to get you to sign the loan right away. You will want to hold out for as long as you possibly can as this could increase the money that you are saving and might even help you to get lower interest rates. In many cases the lender will insist that you sign papers immediately. You will want to keep your options open as you check with many different lenders and find out what is available for you on the market. Plus you will need time to read all of the terms and conditions and to think things over prior to signing the loan. If you were promised things that are not in writing you will need to make sure that they are in writing in the loan as there is nothing legally binding about unwritten promises. Make sure that you only sign a loan if all of the information is correct.

Tony answers:

i dont know if any i have listed will help or not, but i’ll post it anyway.

i think the first answer was a good post.
———–
try to aim for grants/scholarships more… they are not to be paid back. its confusing sometimes, but just keep applying. Scholarships usually have a 1 or 2 page application, and require an essay. Take your time with the essay, so yours stands out.

every big (and small) company you see (manufacturer, orgs, corps and groups also) all have grants and scholarships they hand out like candy. Walmart, Kmart, Target, Coke, computer companies etc etc etc

here are some links with a HUGE list of what is available. some you will need to copy and paste into a new window. also, fastweb (take the time to fill it in) will search databases and get back to you with a list of scholarships you qualify for.

Also contact all mens, womens associations in your state, they almost always have grants & scholarships. What ever field you are going into, contact the orgs, associations etc for them; Also check with professional organizations related to your career interests, such as the American Bar Association or the American Medical Association. they also always have scholarships. Research and dig, call then write. Its all worth it.

OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing.

YOU WILL NEED ADOBE READER:
(yes, its free)

http://www.adobe.com/products/acrobat/readstep2.html

LIST

http://www.lifebridge.org/gran-list-alph.htm

http://www.angelfire.com/nj4/njcomputerchick/school.html

http://www.chrome.org/scholarshiplist.html

MORE & INFO:

http://www.ftc.gov/bcp/menu-jobs.htm

http://www.finaid.org/scholarships/other.phtml

http://www.finaid.org/otheraid/

http://www.back2college.com/library/scholarships.htm

http://www.collegeconfidential.com/

http://college-scholarships.com/

http://www.statefarm.com/about/part_spos/grants/grants.asp

http://www.gmsp.org

http://www.gmsp.org/gmsp_web/(nb5ctd55gavpfi55bb3a3j45)/scholarships.aspx

http://www.sfa.ufl.edu:16080/scholarshipcafe/

http://www.edsf.org/scholarshipAwards.cfm

http://www.fafsaonline.com/

http://www.fafsa.ed.gov/

http://www.feea.org/

http://12.46.245.173/cfda/cfda.html

http://www.salliemae.com/

http://www.ed.gov/finaid/landing.jhtml

http://www.scholarshipexperts.com/

http://www.educationplanner.com/ss/code/Profile1.asp?level=u&region=s&mode=EDIT&sponsor=2859&volume=SS&e&h

http://www.studentawards.com/

http://www.collegeanswer.com/index.jsp

http://www.studentscholarshipsearch.com/

http://www.studentscholarshipsearch.com/Detailed/Scholarships/Meta_indexes_and_other_scholarship_directories/Women_s_and_Non-traditional_students_scholarships_meta-directory_126.php

NURSING / CNA

http://www.scholarships-ar-us.org/grants/nursing.htm

http://www.dar.org/natsociety/edout_scholar.cfm

http://nursingworld.org/nursecareer/edfund.htm

http://www.medi-smart.com/finaid.htm

http://www.discovernursing.com/nursing-scholarship-search

http://www.ncaa.org/about/scholarships.html

http://bhpr.hrsa.gov/DSA/nsl.htm

http://www.nsna.org/foundation/

http://www.4cnas.com

http://www.choosenursing.com/

http://www.minoritynurse.com/

http://www.tylenol.com/page.jhtml?id=tylenol/news/subptyschol.inc

http://www.straightforwardmedia.com/nursing/

http://bhpr.hrsa.gov/nursing/scholarship/

http://www.akaeaf.org/programsandinitiatives/

http://www.schoolsoup.com/

http://www.blackexcel.org/link4.htm

http://www.jackierobinson.org/

http://www.wilsonfund.org/scholarships/scholarships.shtml

http://www.siemens-foundation.org/TeacherScholarship/

http://www.childcareservices.org/ps/teach.html

http://www.act.org/goldwater/yybull.html

http://www.uncf.org/

http://www.socxfbi.org/login.asp?reason=denied_empty&script_name=/cgi-alumni/adir2.dll&path_info=/search&sitename=FBI&scroll=10&p=1&S=scholarships&x=0&y=0

http://www.finaid.org/

http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp

http://www.actstudent.org/finaid/scholarshipscams.html

http://www.act.org/recognition/clients.html

http://www.act.org/kfcscholars/index.html

http://www.kfcscholars.org/

http://www.rhodesscholar.org/

http://www.collegedata.com/

http://www.fastweb.com/

http://www.getreadyforcollege.org/gPg.cfm?pageID=139

http://www.policylink.org/EDTK/AH101/Financing.html#4

http://www.hud.gov/grants/index.cfm

BECOMING A TEACHER

http://www.aft.org/teachers/jft/becoming.htm

http://www.fseog.com/

CHILDREN OF MILITARY

http://www.militaryscholar.org/about/about.shtml

http://www.mcsf.com/site/c.ivKVLaMTIuG/b.1677655/k.BEA8/Home.htm

http://www.vfw.org/index.cfm <-do search for ‘scholarships’

http://www.milspouse.org/Educ/Fund/MilFScholar/

http://www.aerhq.org/education_dependentchildren.asp

INTERNSHIPS,

http://www.fasttrackinternships.com/

http://www.internprograms.com/

http://www.brillstreet.com/

http://ceri.msu.edu/

DEPENDENCY or NOT

http://www.salliemae.com/get_student_loan/apply_student_loan/understanding/financial_aid/dependency/

LOAN FORGIVENESS

http://www.pheaa.org/loanforgiveness/healthier_futures.shtml

http://www.aft.org/teachers/jft/loanforgiveness.htm

http://studentaid.ed.gov/PORTALSWebApp/students/english/cancelstaff.jsp?tab=repaying

http://www.finaid.org/loans/forgiveness.phtml

http://www.aessuccess.org/manage/cant_make_payment/Federal_Teacher_Loan_Forgiveness.shtml

http://www.staffordloan.com/repayment/forgiveness.shtml

http://www.educationplanner.com/ss/code/Profile1.asp?level=u&region=s&mode=EDIT&sponsor=2859&volume=SS&e&h

STATUS OF LOAN OR AID

http://www.nslds.ed.gov/nslds_SA/

IF YOU DON’T HAVE YOUR PIN yet (for your loan / aid status) apply for one:

http://www.pin.ed.gov/PINWebApp/pinindex.jsp

ESSAY HELP

http://www.scholarshiphelp.org/

http://www.gradesaver.com/resources/scholarship.html

http://www.collegeadmissionsessays.com/

http://www.nataviguides.com/broke_essay.html

http://www.princetonreview.com/college/apply/articles/process/essayjump.asp

http://www.scholarshipessay.us/

http://www.freschinfo.com/tips-brainstorming.php

http://www.freschinfo.com/tips-topic.php

http://essayedge.com/

http://www.korepetycje.com/Essays_Articles/scholarshipessay.html

GRANT SCHOLARSHIP SCAM LIST
(if you find a scam report it here too)

http://www.ftc.gov/ftc/consumer/media_psas_classads.html

LOANS

http://www.acteducationloans.com/

http://www.finaid.org/loans/educationlenders.phtml

http://www.financialaid.com/plus/index.cfm?id=plusloans

http://www.alternativestudentloan.com/

http://www.parentplusloan.com/

http://www.financialaidpodcast.com/about/

http://www.myspace.com/financialaidpodcast

http://www.FinancialAidPodcast.com

GRAD LOANS & SCHOLARSHIP

http://www.gradloans.com/graduate-plus-loan/

http://www.gfoa.org/services/scholarships.shtml

DEFAULTED STUDENT LOANS

http://www.ed.gov/offices/OSFAP/DCS/index.html

CONSOLIDATE LOANS

http://www.plusloanconsolidator.com/

http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/student_loan_consolidation.htm

http://www.salliemae.com/content/privateconsolidation/index.html

http://loanconsolidation.ed.gov/

RATE MY PROFESSORS

http://www.ratemyprofessors.com/index.jsp

INTERNATIONAL STUDENTS

http://www.iefa.org/

http://www.iefa.org/resources/

http://educationusa.state.gov/

http://college-scholarships.com/

http://www.studyabroad.com/forum/financial_aid.html

http://www.internationalstudent.com/

http://www.internationalscholarships.com/

http://www.internationalstudentloan.com/

http://www.globalslc.com/

http://www.edupass.org/finaid/loans.phtml

http://www.abroadplanet.com/student-loans/the-global-student-loan-corporation/

http://www.salliemae.com/international/

HISPANIC SCHOLARSHIPS

http://www.hsf.net/

http://www.scholarshipsforhispanics.org/

http://www.statefarm.com/about/part_spos/grants/hispanic.asp

http://www.hsfi.org/

http://scholarships.hispanicfund.org/applications/

http://www.chci.org/chciyouth/scholarship/scholarship.htm

Tony answers:

I believe I read that you can not consolidate federal student loans.
Why would you want to? For convenience?
If you consolidate with a bank, you will only pay higher interest rates.
Convenience will never be worth that much money.
/

Tony answers:

if you make 920 and you have a car payment and rent of 825 == sorry you need to quit school and get a full time job till you get your act together and than go back to school!!!

Tony answers:

There are alternatives to bankruptcy but it depends on your circumstances as to which one you should go for. My strongest advice is to do your own research and not make a too hasty decision. This website has a lot of very helpful information for people in your situation.

Good luck!

Tony answers:

Companies like that are considered along the same likes of a bankruptcy to the credit bureaus. meaning that it will affect your credit score and rating for years to come. Are they charging 15% of 16,000($2400) or 15% of 9,800($1470)? It might be beneficial to weigh other options that you have available before deciding.

Alex Myers
Synergy Mortgage Group
(877)428-3328

Tony answers:

nothing is “free”–those debt consolidation companies want their money, too. Better to pay off the debts yourself. Make a budget (easy) and stick to it (hard). If you have debt that charges you interest, pay the debt with the highest rate first, then the next-highest-rate bill, pay it off. Yes, it will take time, but it can be done, and then you will be so proud of yourself. It takes personal discipline, not a debt consolidation company, to get you caught up. And if you can, get a part time second job and use that money to pay your debt. Just keep telling yourself the second job is only for a short time until you are back on your feet. Good luck.

Tony answers:

You are responsible, but if you wanted to you could sue the other partner for a proportion of the charges.

You won’t get a CCJ if you pay any court order within 14 days and apply for the judgement to be removed from the register.

Tony answers:

you should of never made an attempted to settle with these jerks, this shows that you are claiming the debt is yours. NOW, here is the good news this collection agency has been sued before for practices like this before. Call you all of your creditors that you have to pay and explain your situation and you will pay them in 30 days ect. No attorney will be able to do that in 1 day, but 30 yes. Your attorney will most likely file a motion of discovery this will force them to show proof “most likley they probaly will not have that” this will also be deleted off of your credit.
good luck you did the right thing to get an attorney involved, they most likley think that you will not show up and do anything.

Tony answers:

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.imess.net

Tony answers:

It is unclear from the question what your status is – I assume you are a landlord?

There are loads of statutes that affect tenancy agreements made between an landlord and their tenants. You cannot avoid most of these in residential tenancies.

But the landlord’s agreement with the agent is something else altogether. In law an “agent” is someone who finds customers, negotiates and makes contracts on behalf of someone else. In this case the agent will negotiate with tenants on your behalf and may even sign the tenancy agreements on your behalf. But you remain the landlord and you remain legally responsible for all the things landlords are responsible for.

But in your agreement with the agent you can agree that they will do certain things for you, and that you will pay them fees for this. A very hands-on agent (as most estate agents are) will probably be providing the tenancy agreements as well.

But the agreement between agent and landlord is fully open to negotiation, and you are free to agree any terms you want. Obviously, if you remove their obligation to do things that a landlord is legally required to do then you need to ensure that you do these things yourself. Also be aware that the agent may not want to agree to your terms and they will want to do business in a certain way so may adopt a “take it or leave it” approach.

This agreement looks like it is for a full service agency – ie that they will do everything for you, including managing maintenance, re-letting etc. Obviously they will be charging much more for this than if they are simply finding you a tenant. Its very difficult to give specific advice without seeing the entire agreement and without knowing exactly what you want and what your expectations are.

I suggest you see a solicitor.

Tony answers:

The reason Dave says to pay off the smallest balance first is because it is a psychological “high” to get something paid off. From experience, his method works. I have done the nerd thing and figured out how much “faster” it would be to pay it off by highest % first, it was only about 2 months “faster.” Not a big difference!

From his website:
Myth: I should pay off the debt with the highest interest rate first to get out of debt quickly.
Truth: You should pay off the smallest debt first to create the greatest momentum in your debt reduction.

The math seems to lean more toward paying the highest interest debts first, but what I have learned is that personal finance is 20 percent head knowledge and 80 percent behavior. You need some quick wins in order to stay pumped enough to get out of debt completely. When you start knocking off the easier debts, you will start to see results and you will start to win in debt reduction.

We’ve developed a little process called the “Baby Steps” to do one thing at a time and keep the debt reduction process simple. The Baby Steps are the foundation for your Total Money Makeover.

Tony answers:

There is a website Crown.org or you can try Suze Orman’s website. They have simulation exercises on their webisites that let you put in your information and caluculate it for you.

Tony answers:

Bankrate.com has tons of calculators for different things. The one below is one you can use to find out how much you need to pay every month to be paid off. All you need is your interest rate, the balance, and the number of months.

Tony answers:

Pay off the car and credit first. The interest on the house is tax deductible, where as the others are not. so 6.25% on the mortgage actually becomes (6.25% x (1-marginal tax rate (say 25%) = 4.68%. As long as your PMI is less than (6.25% – 4.68%) 1.57% of your home value it is worth paying off your other debt first.