I need help with a credit card company

[ttwarrior1]

I am on a payment plan for 100 a month on 2 accounts and have 40 dollars to my name.
I feel like they harrass me all day with phone calls, etc. I simply do not have the money
to send.
I am expected to move into a homeless shelter about 30 min away in about a month. I cannot get a job for various reasons.

1. bad credit
2. Over or under qualified
3. I have sick relatives i watch for free about 8 hours a day everyday at my grandparents or my mom's house. I have to do it, i have no choice but nobody understands.
Ive tried to build a roll with betting little what i have but i never win.
I do have 300 dollars at doyles room but can't get it off because they banned withdrawals from players in kentucky. I have 20 bucks at carbon and felt stars. 20 dollars in freeplays
at bookmaker.

I need to know what i can do to get these cc companies to settle, or to be able to wait months to pay or to even charge it off. It took hours and hundreds of phone calls just for them to get them to go from 30 to 10 percent interest and to take away my over the limit fees and go down from 160 a month to 100. I agreed to that because i felt pressured to say yes and didn't know what else to do.
The phone calls at 8 am and 9 pm at night and the phone calls in the afternoon to me and even my relatives is making me ill and i cannot even sleep. Its all i think about from the time i wake up till the time i go to bed..

I owe 3800 to discover and 4 grand to BkofAma and can't get a loan as far as i know and no relatives will help. Ive paid 100 a month to both without missing for over a year and the balance has only gone down about 300 dollars.
Im waiting for that 20 buck bet to turn it into something or perhaps a big poker win but its never gonna happen.
I was using cash advances on one credit card to pay the other. I never used it to gamble online. 300 of it was used at a casino once when i got talked into going and that 300 turned into 1 thousand after i couldn't pay the bills.
I used the rest of it to pay for doctor visits and medical bills. I own nothing and don't know what else to do. I was actually reading about getting 80 bucks to donate blood plasma and don't even qualify for that.

[Boner_18]

Chapter 7. Wipe that shit out.

[unusialsusp5]

you must be kidding. just refuse to pay and they will sell it to a collection agency who cannot do anything either. if they sell it to a collection attorney they would have to pay 40.00 to sue you and if you don't have a job it will be dismissed. stand up to these frauds. don't answer the phone by all means get caller id and turn of ringer. they will give up. i know from experience since i defaulted on 35 credit cards for about 65,000. you aren't even in debt by those standards. yes, your credit rating will suffer, but does it matter. just say i refuse to pay and don't call me anymore. or start calling them 6 times an hour. they will back off.

[stikymess]

Without money coming in, you are stuck, stop paying them. Look for side jobs, sell items, when you say they are calling you? get rid of the phone! Get in self preservation mode. Also stop gambling or take a year off if you need to gamble. Not much more to add, just hustle man hustle.

[frizzelli]

Your asking help with your credit on a gambling forum with all us degens!!! Ill help you out do this

[Shonner]

IMO bankruptcy is your best option. You are wasting your money by paying debt you can never pay in full.

Go get a free consultation with a lawyer.

Also, the Fair Credit Reporting Act prohibits creditors from calling you if you request them to stop in writing. You need to go to the FCRA website and look this up, and do what they say. Once you do this, it gives them a green light to sue you, so it would be in your best interests to get the bankruptcy started...

[Shonner]

FYI, gambling is the absolute worst thing you can do with your money...but I'm sure you know this.

Desperate people don't win at gambling.

Of the few that do win in the long term, they are the ones that are cool, calm, collected, and have a strong financial backing.

Anyone in a bad financial position will get killed because they will constantly chase to pay off the next debt that's due...

[big0mar]

Here is a plan for you:

- Next time the CC company calls, tell them you are dead broke, and won't be alive in 10 days. Hang up the phone.
- Move off the grid. Get yourself a tent, a fishing pole, and some knives. Move to the woods.
- Start a new life. Don't talk to anyone that you currently know now.

[tltaylor89]

Yikes.You are stuck parlay Boise St-39,Colts-8,Alabama-7, see what happens

[RudyRuetigger]

Chapter 7. Wipe that shit out.

he has posted something similar about once every two weeks. whether on this account or another i have told him to do that time and time again.

chapter 7 will cost you about $1500 probably. start saving up your money. look for the cheapest and hire an attorney and if you truly own nothing and have no job itll be wiped out in about 5 mins at a courthouse. stop wasting your money and stop worrying about this 24/7. it is not the end of the world.

[milwaukee mike]

if you're moving into a homeless shelter then what's the problem?
you won't get mail/phone calls there


if you have a cell phone get a new number and don't give it to creditors

[milwaukee mike]

and again if you have grandparents' house AND a mother's house to live in then why are you going to a homeless shelter

no matter how bad your mom's house is, it's 100 times better than a shelter

[pavyracer]

why do you need a credit card if you are homeless?

[Shonner]

he has posted something similar about once every two weeks. whether on this account or another i have told him to do that time and time again.

chapter 7 will cost you about $1500 probably. start saving up your money. look for the cheapest and hire an attorney and if you truly own nothing and have no job itll be wiped out in about 5 mins at a courthouse. stop wasting your money and stop worrying about this 24/7. it is not the end of the world.

Yeah, just go bankrupt. I know some people that have done it. Your credit score will raise after you do it and within a year or two you will have a credit card again. It's a sick world and sometimes the people who make out the best are the people that find an easy way out.

I have a buddy, married, 2 kids, barreled in with tons of debt. He pays it every month, and overall doesn't even cover his interest charges. He can never pay it off. But he wastes his money on these payments every month because he's too embarrassed to go bankrupt.

Also, credit score is overrated in getting a job. Unless you're trying to get a job at a bank or anything that deals with money. Many states have strict laws on checking credit, and many jobs don't even do it.

[Boner_18]

he has posted something similar about once every two weeks. whether on this account or another i have told him to do that time and time again.

chapter 7 will cost you about $1500 probably. start saving up your money. look for the cheapest and hire an attorney and if you truly own nothing and have no job itll be wiped out in about 5 mins at a courthouse. stop wasting your money and stop worrying about this 24/7. it is not the end of the world.

Yep. From the sounds of it, this is the best legal advice.

[kmarinouofm]

you must be kidding. just refuse to pay and they will sell it to a collection agency who cannot do anything either. if they sell it to a collection attorney they would have to pay 40.00 to sue you and if you don't have a job it will be dismissed. stand up to these frauds. don't answer the phone by all means get caller id and turn of ringer. they will give up. i know from experience since i defaulted on 35 credit cards for about 65,000. you aren't even in debt by those standards. yes, your credit rating will suffer, but does it matter. just say i refuse to pay and don't call me anymore. or start calling them 6 times an hour. they will back off.

he is correct..

IMO bankruptcy is your best option. You are wasting your money by paying debt you can never pay in full.

Go get a free consultation with a lawyer.

Also, the Fair Credit Reporting Act prohibits creditors from calling you if you request them to stop in writing. You need to go to the FCRA website and look this up, and do what they say. Once you do this, it gives them a green light to sue you, so it would be in your best interests to get the bankruptcy started...

this is also true and factual ..

[Boner_18]

Unus offers terrible advice (from a legal perspective) and Shonner is only half correct. I think the act he is thinking of is the Fair Debt Collection Practices Act (FDCPA).

[Dad]

Buy a gun. Aim at temple. Pull trigger.

[RudyRuetigger]

Yeah, just go bankrupt. I know some people that have done it. Your credit score will raise after you do it and within a year or two you will have a credit card again. It's a sick world and sometimes the people who make out the best are the people that find an easy way out.

I agree. Hasn't Donald Trump and the Hershey guy (maybe before he became wealthy) went bankrupt a few times? im sure there are other multimillionaires who take advantage of the system, so no reason for ttwarrior not to take advantage of it, especially for pennies when compared to the grand scheme of things.

No matter what you do, your first step should be to stop paying the bills immediately. Personally I'd go with the bankruptcy route if i were you because judging by your post, you don't sound like the hard ass who will deal with all these calls, letters, etc the next few years. As soon as you get a lawyer and tell them you're filing, the calls will more than likely be done and if they're not have them call your lawyer.

[UntilTheNDofTimE]

Wow i know everybody has there problems but the guy who says he dafaulted on 65,000 is a low life.

[RudyRuetigger]

and im sure your credit is already fukked by now anyway, so who cares about bankruptcy at this point

[RudyRuetigger]

1st take your $20 freeplay and put it on this:

10/06/2010 @ 05:00 PM CFB[304] CENTRAL FLA -12½-11010/09/2010 @ 09:00 AM CFB[312] WISCONSIN -21-130 (B+1)10/09/2010 @ 09:00 AM CFB[325] BOS COLLEGE +10-130 (B+1)10/09/2010 @ 09:20 AM CFB[340] GEORGIA -13-11010/09/2010 @ 04:30 PM CFB[388] KENTUCKY +7-110

[Dirty Sanchez]

Go to City Center...find a dark alley.....and take $25 a pop You can make a $100 in about an hour

[ttwarrior1]

uh i don't qualify for bankrupcty , ive asked on other forums that are financial, credit card forums, etc.

Also discover card and BkofAma have their own collection agencies now and they do not turn it over to a collection agency as of 2008 so im assuming nobody here knows anything

No im kentucky they would not allow me to file bankrupcty for 7 grand and also where i live after about 2 years if you do not pay, you are actually turned into the police department and you get summoned to court.

Where i live they put credit card cases in the local paper for everyone to see in the court news section. Have about 5 a week in our wednesday paper

I do have caller id, they call about 11 times a day. I have to have the phone on. They also call my relatives phones because they
know im there watching sick relatives.
No i do not post something like this every 2 weeks. Ive posted 2 times tops and not about this.

In fact I actually believe some of these people are calling from home. I had one call me at 4 am and hang up on me.

[madmaxx]

No im kentucky they would not allow me to file bankrupcty for 7 grand and also where i live after about 2 years if you do not pay, you are actually turned into the police department and you get summoned to court.

Where i live they put credit card cases in the local paper for everyone to see in the court news section. Have about 5 a week in our wednesday paper

...

Thats harsh stuff. If you can't pay them though, and already have bad credit, tell them to fukk off. They can't send you to jail (though a homeless shelter may be just as bad) so all they can do is ruin your credit which is already ruined. If all you want is for them to stop bothering you, send a Cease & Desist letter which tells them they can only contact you by mail. If they violate that, they are the ones who get in trouble.

Like someone else said, you can have fun with it and just call them non-stop. They don't care for that.

[ttwarrior1]

no they don't send you to jail, our local police deparment handles these cases just like cold checks. Not sure why, they just do.
Cease and Desist letters only work on collection agencies, not the credit card companies. Credit card companies for about a year or longer now only handle there own cases for this reason. At least discover and BkofAma.

If i could get a 5 k credit card or loan, I am told i could transfer over the balance of what i owe. At least it would give buy me time and i would stop getting harrassed for a couple years. I get turned down though for everything ive ever applied for.

[polskboy]

ttwarrior1 why do you care about cc???? fack them they cant do shit to you .... just wait 7 years and start your life over.

[RudyRuetigger]

i think you are misinformed and need to get a free consultation from a bankruptcy lawyer or call some help line for free.

also, ofcourse these credit card companies wont turn you over to their collection agency. you are paying the minimum and they are making a killing off of you... you are the type of person they love.

[blackbeSSt]

uh i don't qualify for bankrupcty , ive asked on other forums that are financial, credit card forums, etc.

what was their reasoning? you know there are new laws that makes it to where there is no minimum on filing for bk.

its all about the means test http://www.legalconsumer.com/bankruptcy/nolo/

[chilidog]

Buy a gun. Aim at temple. Pull trigger.

Still a chance of surviving. Best bet is to sever the brain stem, but inserting barrel into mouth, pointing slightly upward at an angle, then fire.

[str]

Very Simple.Call them . Do not wait for them to call you with some dope on the other end.Whoever answers, Ask for there supervisor. Tell the super point blank, you have zero chance of paying, broke, no or bad credit,you are done ,the game is over.Be sincere and adamant.No more money to pay. It will be noted and while they might give it to a collection agency , they also might not. If they do, repeat the same thing to them,but not anyone but a supervisor.
They will ruin your credit for a while but that does not seem to matter at this point.

One more thing. If times are really that tough,stop gambling with money.Play with your points if you must but get a job and stop throwing your money away.
Your a big boy now.Get off your butt and take care of your friggin business!
Time to man up!

[ttwarrior1]

i call them every week , when i don't pay, the phone calls happen non stop. They do not turn people over to collection agencies at discover and BkofAma, and yes i do talk to supervisors. My credit is already ruined.
Lawyers won't even talk to me, they want money upfront.

[blackbeSSt]

i call them every week , when i don't pay, the phone calls happen non stop. They do not turn people over to collection agencies at discover and BkofAma, and yes i do talk to supervisors. My credit is already ruined.
Lawyers won't even talk to me, they want money upfront.

then you got some shitty lawyers up there in the Bluegrass state. any reputable attorney will sit down with you for a small amount of time for free to discuss your situation.

where are you exactly in KY?

[rm18]

dude your an idiot, you are about to be homeless and trying to pay off cards?

good luck in the bookmaker freeroll tonight guey

[Grits n' Gravy]

dude your an idiot, you are about to be homeless and trying to pay off cards?

exactly. go panhandle or head to home depot and get picked up for some day labor. at least bring in some money and get off the damn internet.