Needhelppayingbills

Well, your son needs to pay the debt back. Or did you cosign on the card? If you did not cosign then you are not responsible. What you son can do as well is look into a Chase hardship program as many issues will wive fees, lower rates, and basically negotiate a customers credit card debts and bills. They are willing to work with customers in order to get some money or payments.

lizatall wrote:My college student son has run up about $10,000 in credit card debt, and the paying it back and the monthly credit card statements and bills are too much for me. Can I claim to the credit card company that I do not have to pay it back, or what else can I do?

If the credit card is in your son's name only, then you should not be responsible for his debt. If this was a card that you gave him as authorized user then yes, you are responsible. Credit card companies have up to 3 years to sue you and get a judgement for you to pay. But if you know that you are not going to need to apply for credit for 7 years, say buying a house, or car loan, the thing to do is file for bankruptcy, this will discharge the debt on credit card. Also, don't let the credit companies tell you to consildate your debt into a loan, then this will be a secured loan of which you can't get dismissed in bankruptcy. Also, credit card companies in that three year window, will only sue if you have a job, as unemployment cannot be touched by them. Anything else you need to know, just ask. I just found this site, and I can't believe how far back I've been reading that no responses have been given to some people.

How did you default on your credit cards. Is it too late, or are you still in contact with the banks and lenders. As the reason being is that most credit card companies offer extensive assistance programs, including hardship, negotiation, modifications, and much more. A full listing of various ways to get credit card help can be read. http://needhelppayingbills.com/html/cre ... _help.html

Speedboat wrote:I lost my P/T job in march. Defaulted on credit cards which resulted in bank levy. Levy caused bounced rent check and no funds available. Bank account overdraft plus fees from everywhere. Now have 3 day pay/quit. Need eviction/rental/subsidy assistance & debt counseling. I am formerly disabled with an Autistic adult child at home. Tried to pay some rent ($340.00 for the NSF of $1280 owed), but MGMT refused to accept. Proposed to pay bi-monthly until working again but MGMT refuses. The owner runs ADHC non profit and has been made aware of my situation. This has been our home of 15 years... PLEASE HELP

We almost always recommend first exploring programs that are offered directly by credit card companies for help first. A comprehensive listing is here. http://needhelppayingbills.com/html/cre ... _help.html
Find how to get credit card and debt assistance from Bank of America, Citi, Capitol One, and all other companies. They range from debt reduction, to mediation and hardship programs. If those don't work, then contact a credit counselor for advice.

Flower12 wrote:If i could have one months rent or rent and bills paid i could catch up with all of them. A few costly surprises have come up recently like my car's BCM going out and having my wages garnished and trying to stop using check into cash just to buy food and pay my credit card debts. Its to the point right now where i have credit card debt, and all the bills are starting to get paid on the payday after they're due, I'm also in school the financial aid helps a little but it was mostly used for school and didn't last long after tuition and fees came out. I'm single and have no kids. But it doesn't seem right that I'm working so hard to better myself and can't get help from anyone.

I lost my P/T job in march. Defaulted on credit cards which resulted in bank levy. Levy caused bounced rent check and no funds available. Bank account overdraft plus fees from everywhere. Now have 3 day pay/quit. Need eviction/rental/subsidy assistance & debt counseling. I am formerly disabled with an Autistic adult child at home. Tried to pay some rent ($340.00 for the NSF of $1280 owed), but MGMT refused to accept. Proposed to pay bi-monthly until working again but MGMT refuses. The owner runs ADHC non profit and has been made aware of my situation. This has been our home of 15 years... PLEASE HELP

If i could have one months rent or rent and bills paid i could catch up with all of them. A few costly surprises have come up recently like my car's BCM going out and having my wages garnished and trying to stop using check into cash just to buy food and pay my credit card debts. Its to the point right now where i have credit card debt, and all the bills are starting to get paid on the payday after they're due, I'm also in school the financial aid helps a little but it was mostly used for school and didn't last long after tuition and fees came out. I'm single and have no kids. But it doesn't seem right that I'm working so hard to better myself and can't get help from anyone.

Well, we can provide you information to try to help you and your son, but ultimately it comes down to you. We can provide all the information on debt reduction, bill paying programs, etc. that exist. So sounds like your medical bills are hurting you, so find ways to consolidate medical debts. There are solutions like medical debt consolidation program, which can in fact reduce the amount you owe by up to 50%. After taking care of those debts look into other money saving tips on the site.

Popen wrote:I have a protective order for me and my son .courts ask me to move and i did i rely on child support and cleaning homes for bills and credit cards. Economy has left me with no more homes to clean and i am beating streets for jobs but if i do not have 3 hundred bucks by Tuesday me and my son will be home less. I pray that someone hears my prayer and helps me and my son. My rent is past due two months my light bill is over 1,200.00 dollars water bill is due ....ahh they are all in disconnect today . I'm in a world of trouble and recently just out of the hospital bp was 220 over 170 doctor thought i had a stroke it was stress that brought this on....please help my engine went out in my van and that was the beginning of it all (credit card debt).

I have a protective order for me and my son .courts ask me to move and i did i rely on child support and cleaning homes for bills and credit cards. Economy has left me with no more homes to clean and i am beating streets for jobs but if i do not have 3 hundred bucks by Tuesday me and my son will be home less. I pray that someone hears my prayer and helps me and my son. My rent is past due two months my light bill is over 1,200.00 dollars water bill is due ....ahh they are all in disconnect today . I'm in a world of trouble and recently just out of the hospital bp was 220 over 170 doctor thought i had a stroke it was stress that brought this on....please help my engine went out in my van and that was the beginning of it all (credit card debt).

Hi Rhondatap. i normally send an email, but I don't see one linked to your post. so will just type here:

I empathize with your situation with bills/debts. We have a longer-term program (not immediate help) to aid persons in paying their bills. Certainly paying bills is a Lifelong task, because "there's always something!" Ours is a program that recognizes this "ever-present dilemma" and helps tp counterbalance it's effects over time. You become involved with us at only $10.00 per month and we in turn potentially may be able to pay some or all of your bills. Our ability to pay bills in total is dependent on persons like us and you who become involved and then tell others (as many as we can) about this program, asking that they also sign up at $10.00 a month. When they do so, then we begin them on the same program you’d be in. The details can be read about or "discovered" at our website: WindowsOfHeaven777.com

Rhondatap, please visit us as soon as you can and consider starting with us, then be sure to forward this email to your friends and family, as well as hit the "Like" button and other social networking buttons on our website to share even faster what you’ve found. You may contact us by email at: [email protected] if you choose.

God Bless you in your situation, Rhondatap, and we ask God for that blessing in your Life soon.

Hello Rhonda. Bless your heart. Many people can just change your situation specifics over to their own situation specifics and always the answers are pretty similar. As you grieve, we grieve. As your situation improves, our situation improves. Relationships can always be win-win when put into the correct context.

A common form of reference for people experiencing similar circumstances, such as grief, credit bills, confusion, depression, and all other things human, is returning to and relying upon tha highest power. We already see that govenments and organizations, while helpful as much as they are possible, cannot and do not always "come through for us" on a timely basis. However, many of those who have returned to and relied upon the highest power for resolution of troubles, have found same very satisfying in rendering help.

Rhonda, whatever your perspective on things spiritual - and this post is written from the Christian perspective - regain contact with your highest power and things more than likely will resolve favorably. My very best regards to you in sincerity. Let me know how I might help.

Dear Administrator,
Thanks for your message. I appreciate I need now is someone to pay my debt immediately especially my credit card Please do not find from someone from my near area, that would only embarrassing myself. I need to hide my problem and not to advertise it someone from my area. Probably I need help from rich arab in the middle east such as King Abdullah of Saudi Arabia.
Your cooperation with the above matter is very much appreciated

While I agree there are not government programs for credit card bills and debts, most credit card companies (like Bank of America, Chase, Wells Fargo) offer a variety of hardship programs, settlement, and consolidation offers. Not to mention non-profit credit counseling agencies. A listing of programs for credit card help is available, and learn about each card issuer.

OwenF wrote:If he is on social security disability, then wouldn't he qualify for some assistance programs? I don't know about any credit relief programs but there is
Medicaid or Medicare and there might be local government programs to help pay for utilities.

Seven credit cards are way to many. You need to get that number down. Look into a credit card hardship program. If you reduce your debts and credit card expenses, and therefore monthly interest, that will help you get back on track with the other bills and expenses you have, like that truck payment.
http://needhelppayingbills.com/html/inf ... d_com.html

Parseti wrote:disabled 50 yr on SSD recently divorced, i have 7 credit cards, rent now where i didn't have a rent payment before also all the other bills power water and have to see Dr each month and 6 meds. Had a guy run into my car which was paid for with a credit card but now i got truck ins. and truck payment I would appreciate help or advice Thank you ,a d of course have a blessed day

disabled 50 yr on SSD recently divorced, i have 7 credit cards, rent now where i didn't have a rent payment before also all the other bills power water and have to see Dr each month and 6 meds. Had a guy run into my car which was paid for with a credit card but now i got truck ins. and truck payment I would appreciate help or advice Thank you ,a d of course have a blessed day

Once someone falls behind on credit card debts it does get hard to stay ahead. But the good news is that many card companies are willing to work with consumers. They may offer hardship programs, debt management plans, settlement, and other financial hardship type programs. They would rather have someone pay some money vs go bankrupt.
http://needhelppayingbills.com/html/cre ... _help.html

Butter wrote:I'm quickly falling into credit card debt, mainly because I don't make enough money and my bills are too high. My family and I are renting a home for $450 but the consumers bill is rapidly increasing well into the 300 plus range per month. I need some help getting out of the hole for a couple of months to get me back on solid ground. I think if I could get rid of my credit cards debts that would help me free up money for other bills. Need direction or assistance where I can if possible

I'm quickly falling into credit card debt, mainly because I don't make enough money and my bills are too high. My family and I are renting a home for $450 but the consumers bill is rapidly increasing well into the 300 plus range per month. I need some help getting out of the hole for a couple of months to get me back on solid ground. I think if I could get rid of my credit cards debts that would help me free up money for other bills. Need direction or assistance where I can if possible

So is your 10,000 in credit card debt and bills with Bank of America? if so, here is a listing of programs that can assist you, and help you pay it off. I can't offer help and allow you to pay it off, but BOA does offer assistance for its customers. Programs like debt management, consolidation, and modifications. At the end of the day you do have many options available to you to help with getting out of those credit card debts.
http://needhelppayingbills.com/html/ban ... tance.html

MarryM wrote:I live in Horseshoe Bend Idaho. I have been struggling for the past 2 years. Right now Iam getting help from SICHA Housing but am trying to move to boise for a better opportunity s for myself and my family. But have one problem the apartments iam trying to get into wont allow me because i owe 1000 on my Idaho Power and am in debt 10,000 on my credit cards. I really wish i could move out of Horseshoe Bend due to better my children s education. If there is any help i would more than pay back what could be lend to me. I work for Mikylars world I help children that are disabled I get paid close to 1400. a month, but that is not enough to pay off my debt or credit card. Like I said I would be willing to pay back to any lenders that would help me out.

I live in Horseshoe Bend Idaho. I have been struggling for the past 2 years. Right now Iam getting help from SICHA Housing but am trying to move to boise for a better opportunitys for myself and my family. But have one problem the apartments iam trynig to get into wont allow me because i owe 1000 on my Idaho Power and am in debt 10,000 on my credit cards. I really wish i could move out of Horseshoe Bend due to better my childrens education. If there is any help i would more than pay back what could be lend to me. I work for Mikylars world I help children that are disabled I get paid close to 1400. a month, but that is not enough to pay off my debt or credit card. Like I said I would be willing to pay back to any lenders that would help me out.

Well most of the programs are national, and not really specific to an area or county such as Sacramento. Student loans you can look into forgiveness, waiving or reducing interest rates, or get a job with a government agency which may reduce or eliminate your loans. On the other hand, for you credit card debts, try working directly with the credit card company, or you can always try a professional, such as a credit counseling or debt settlement program. Here is more information on numerous credit card help and assistance programs. Poke around the site to find information and resources.
http://www.needhelppayingbills.com/html ... _help.html

kim.ray12 wrote:hi yes my name is Chris and my email address is. I live in Sacramento California and was wondering what programs in my area help people get personal grants so i could pay off my student loan and other debt, such as credit card debts. I also wanted to know are there any programs that offer free furniture in my area. Thank you for taking your time to read my message and i look forward to hearing from you soon. God bless

hi yes my name is Chris and my email address is. I live in Sacramento California and was wondering what programs in my area help people get personal grants so i could pay off my student loan and other debt, such as credit card debts. I also wanted to know are there any programs that offer free furniture in my area. Thank you for taking your time to read my message and i look forward to hearing from you soon. God bless