Comments on: How do get my credit card debt to zero? http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/ Debt can ruin your life Fri, 20 Aug 2010 20:00:34 -0400 http://wordpress.org/?v=2.8.4 hourly 1 By: Gem http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-133 Gem Tue, 01 Dec 2009 13:37:19 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-133 Here is an article which would help you: How to Manage Your Credit Card Debt? Here is an article which would help you:

How to Manage Your Credit Card Debt?

]]> By: James H http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-132 James H Mon, 30 Nov 2009 08:05:48 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-132 There is some good info here. There is some good info here.

]]> By: echo http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-131 echo Fri, 27 Nov 2009 21:08:18 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-131 You should check the statute of limitations for your state. And, if you are living in a different state than the one you lived in when you incurred the debt, you should check that state also. If you leave the country while owing a debt, in some states, the time limit for legally collecting the debt will continue to run. In other states, the time limit will stop until you return to the states (basically extending the time limit on legally collecting the debt). I would just suggest that you go to the site that I've listed and do some reading. Also, there are plenty of people on that site that can help you understand the details about your credit report. And help guide you in the steps to cleaning up your credit. It is a free do it yourself credit repair site with a very big data base of information and with many people that have been or are in similar situations. You should check the statute of limitations for your state. And, if you are living in a different state than the one you lived in when you incurred the debt, you should check that state also.

If you leave the country while owing a debt, in some states, the time limit for legally collecting the debt will continue to run. In other states, the time limit will stop until you return to the states (basically extending the time limit on legally collecting the debt).

I would just suggest that you go to the site that I’ve listed and do some reading.

Also, there are plenty of people on that site that can help you understand the details about your credit report. And help guide you in the steps to cleaning up your credit.

It is a free do it yourself credit repair site with a very big data base of information and with many people that have been or are in similar situations.

]]> By: mackiforyouwedo http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-130 mackiforyouwedo Thu, 26 Nov 2009 08:10:02 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-130 cut up the cards you da. cut up the cards you da.

]]> By: JC http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-129 JC Tue, 24 Nov 2009 05:43:43 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-129 This may sound strange, but a cheap way to get started is to simply go apply for a credit card. You will most likely get turned down. Then, when you get your refusal letter they will list the credit bureau's they referenced (usually 3 of them), and you will have 30 days to inquire about the decision to refuse you credit. You need to request a free credit report from them when you do this. In the process, they should send you information regarding your credit history, and from that you can begin again to work on all your past bills. Don't be in no hurry, it's going to take some time. This may sound strange, but a cheap way to get started is to simply go apply for a credit card. You will most likely get turned down.

Then, when you get your refusal letter they will list the credit bureau’s they referenced (usually 3 of them), and you will have 30 days to inquire about the decision to refuse you credit. You need to request a free credit report from them when you do this.

In the process, they should send you information regarding your credit history, and from that you can begin again to work on all your past bills.

Don’t be in no hurry, it’s going to take some time.

]]> By: Samlet http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-128 Samlet Mon, 23 Nov 2009 10:56:12 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-128 You are right to want to take the first step. It is always better to call your creditors (the people you owe money to) than to wait for them to find you. Since a collection agency is already involved, you need to contact them and work out a payment schedule. Here in Canada, they are prohibited from harassing you (no more than one call a week, no threats, no verbal abuse etc.). I imagine it's similar in the States. If you owe a lot of money you might consider a consolidation loan, where all your debts are paid off for you and you then repay the debt at a lower interest rate. Your credit rating does not bounce back to good all at once, even after you have paid off the debts. It will be some time before you will be able to get credit again. And this may affect your job search - some companies do a credit check on prospective employees, as well as a criminal record search. My main advice is waste no time in dealing with your debt. The longer you wait, the more you will owe and the worse your rating will be. Good luck - I made it back to good credit but it took about six years. You are right to want to take the first step. It is always better to call your creditors (the people you owe money to) than to wait for them to find you.

Since a collection agency is already involved, you need to contact them and work out a payment schedule. Here in Canada, they are prohibited from harassing you (no more than one call a week, no threats, no verbal abuse etc.). I imagine it’s similar in the States. If you owe a lot of money you might consider a consolidation loan, where all your debts are paid off for you and you then repay the debt at a lower interest rate.

Your credit rating does not bounce back to good all at once, even after you have paid off the debts. It will be some time before you will be able to get credit again. And this may affect your job search – some companies do a credit check on prospective employees, as well as a criminal record search. My main advice is waste no time in dealing with your debt. The longer you wait, the more you will owe and the worse your rating will be. Good luck – I made it back to good credit but it took about six years.

]]> By: J G http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-127 J G Sun, 22 Nov 2009 09:15:06 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-127 If you get a copy of your credit report, it will show you how much you owe on your card(s). Depending on how long ago you defaulted, it may be better to *not* pay it off and just wait out the debt. Most debt will clear 7 years after the last reporting. I would recommend going to a site like, it should also help you with the terms. If you get a copy of your credit report, it will show you how much you owe on your card(s). Depending on how long ago you defaulted, it may be better to *not* pay it off and just wait out the debt. Most debt will clear 7 years after the last reporting. I would recommend going to a site like, it should also help you with the terms.

]]> By: jwdaye http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/comment-page-1/#comment-126 jwdaye Fri, 20 Nov 2009 15:45:35 +0000 http://www.credit--carddebt.com/how-do-get-my-credit-card-debt-to-zero/#comment-126 Contact a credit counseling agency. Contact the credit card companies. And start paying a small amount to the company. Even if its only $10. It shows good faith. Contact a credit counseling agency. Contact the credit card companies. And start paying a small amount to the company. Even if its only $10. It shows good faith.

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