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If they froze it I would say yes

You said you owed it why would you dispute?

If your name is on the debt, its your debt and his. They can freeze accounts and garnish wages, but would have to sue first and win in court. Divorce decrees don't matter if your name is on the debt,...

Try a credit union.

Hard to upgrade? I disagree.. . I've done all my own upgrades.. easier to upgrade/work on than pc's.

Oh, I can run windows on my mac. Not a problem... any windows app I would need I can run
...

You should be scared... but don't kill yourself, it's just money... it's not worth it.

You need to get on a plan... a spending plan... get some control over the situation and you will feel...

Borrowing more isn't the answer. You need to make more. Got that second job yet? And get on a spending plan... and sell things... have a garage sale... and... get rid of stuff you don't need like...

I hate the Budget word too... I like "spending plan".. sounds better... you are just telling your money what to do... otherwise it will leave and you will have no idea where it went.

Well, they want their money. If you legitimately borrowed money and did not pay it back, yes, they are closing in on you... they want to get paid.


Yes it's scary stuff... been there myself....

I commend you for looking out for your daughter... :)

Are you on a written spending plan? Sounds like the new car and the payment is a big problem... if you called dave ramsey, he would say "sell...

Could be 28% or more... as much as we are taxed to death in the USA these days.

Stick your head in the sand and pretend the problem isn't there? How's that working so far?

Do nothing? Where did you read that at? I'd like to avoid the site/person that told you that.

You are.

never write checks unless the money is in the bank to cover it. And don't send post dated checks to creditors.

I would not worry about credit score... you need to stop borrowing money. Pay off debt... get on a plan, a written budget (spending plan)... every dollar has a name... each month. Consolidation only...

Your credit will be shot. Not a big deal if you don't borrow money.

However, they will sell the car for less than its worth and you will legally owe the difference.

If you owe 20k and they...

Just make sure your not getting the mobile home thinking it will increase in value... they usually do not.

As you may know, You will be taxed about 40% on the cash out. This is equivalent to taking out a loan at 40%! You have 60 days to reinvest your money.. by calling your employers human resource...

I would pay her when you can, but its not fair for her to say nothing for seven months then demand it all out of thin air.

Well, if you have $1, and are willing to work, you can become rich. Work hard, save, avoid debt... invest...

Notice I said work hard and not play lotto? Most people think hitting the lotto is the...

Im not sure I'd "give" him the money... let him work for it... take out trash, clean room, wash car... yard work... dishes... anything... but I'd make him work for it, so he learns where money comes...

You could try going to

Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan.

Or

Crown Financial Ministries

And talk to a financial counselor... both offer this...

I'd say answer the question honestly. If it asks have you ever filed bankruptcy, answer honestly.

Your mom wants interest? Jeesh.

Lesson here. NEVER borrow from family. Never. Ever.

It's a scam. The only thing you can do to repair credit is pay your bills off... and wait. It takes time... eventually your credit will improve... you can't pay someone to do this. It's a scam.
...

Sorry to hear about your situation. Hang on to your marriage... this stuff will take a marriage if you let it.

Tell your husband your scared... communicate. He needs to know this. He needs to...

Get on a written budget... and live by it... reduce expenses... get rid of things you don't need like a cell phone... change your lifestyle... don't eat out.. . Reduce or stop spending in the...

If you owe the money, I don't think it matters how old the debt is. You owe the money. They have every right to try to get the money from you.

I'm no attorney, so I could be wrong.

I'm not sure, but if you could I personally would not do it. Leave the 401k alone... don't risk it.

Never co-sign. When she can't pay, you are legally required too... and your credit is shot. Not even for family. Don't do it.

Id sell them to be debt free... with no debt you can save big time for emergencies, retirement... 100% of the time, a paid for home will NOT get foreclosed on... which is smart...

Step one you need a job. Fast. Or two or three... next, pay your main bills first... food, rent, clothing, shelter, utilities, transportation... any other bills may have to wait.

Get on a written...

They would have to sue and win, take you to court. They would win, since you legally owe the money... so yes, they could freeze your account and garnish your paycheck...

The deal you made with...

I would say not true. If you are not paying the full amount, you owe them money. They can sue you... but if you contact them, and be honest... tell them where you are and why you can't pay the full...

A mortgage company will lend you way more than you can afford to pay...

Dave ramsey teaches your mortgage payment be no greater than 25% of take home pay...

Im confused. Did you go to court? What type of debt? Do you owe this debt? Who are you speaking with? A debt collector? Credit card company? Not sure what sol is?

If you owe the $ and your not paying, id say sure.

most of the programs are scams and should be avoided... CCCS is the best if you must use one, but your credit will be ruined... as if you filed a chapt 13 bankruptcy..

ameridebt is the worse.
...

If you owe the money and are not paying, you can talk to them and setup a payment plan... but any deals must be in writing... don't give them access to your bank accounts and never send postdated...

Forgot to mention... getting use to using a budget takes time. If you've never done it, you won't master it in 30 days... it may take 6-12 months... so don't get discouraged... keep working on it......

Consolidation rarely works.. most people don't change the habits that brought on the trouble in the first place. You can't borrow your way out of debt.

You need to learn how to budget and balance a checkbook. And live within your means... fix the leaks...

Get some help here and check the links in my sig.

The Truth About Budgeting

We all...

This will help you

Paying your bills: Which bill to pay first when money's tight (Page 1 of 2)

Food, shelter, clothing, utilities, are first... and your car... need that to be current to get...

If you owe the debt and didn't pay it, I'm guessing it will end up on your credit report. That's sort of how that stuff works.

Mine was discharged 5 yrs ago. It's a done deal. I've been working since but that debt is gone forever.

That's what the bankruptcy process and discharge does.

I once rear ended a car 20 yrs ago... It was my fault.

I got sued... well insurance co did. $1,000,000 bucks... I don't have that money of course, most people don't.

They ended up settling...

HI ex you do bring up a good point. There were dollars, assuming people had cash. My guess is most anything run by electricity/computer was down. Like ATM machines... don't matter they were under...

Try selling it to a private owner, you get more that way... if its worth 17k but you owe 25, you would have to go to the credit union or such and get a loan for the difference... plus you need money...

New laws are here. I will say getting a chapt 7 is more difficult now.

The New Bankruptcy Law

case in point.... hurricane katrina... when new Orleans was under water, and the economy failed... It no longer existed...

Did you hear of anyone looking for gold, to buy sell or trade? Nope.
...

If you owe the money why not pay it and get these bozos out of your life? I would not ignore them... once every two weeks you can speak with them, give them an update of your situation... if they get...