Archive for March, 2011
Why might firms whose sales levels change drastically over time choose to use debt only
sparingly in their capital structures? What condition would cause capital structure management to be a meaningless activity?
Solomon Sager
I have around £5000 debt and im 28. its all from when i was young and stupid but now i want to settle down and get it paid. trouble is they all want to much of me at once. im looking for a debt management team to help me but so many out there that are cons so I don’t no who to use.
can any1 tell me who i should use and also when I start paying will my credit rating start getting better or do I have to wait until its all paid?
thanks for taking the time to reply if you do so
ps im in the uk
Kirk Bhairo
I currently have over $13, 000.00 in credit card debt, and as a result have withdrawn from college. Since February I have been working, but feel the need to return to school to finish my last year of college. I would like to return to school in the summer, but would like to continue working part-time to pay of my debts. My dilemna is whether I should find a full-time permanent job and go to school part-time in order to pay off debt faster, or get a part-time job and go to school full-time in order to finish school faster, or put off school till debt is paid, or put off debt till school is finished, so I can make more money with my degree. Ideally I would like to graduate with little to no credit card debt. Also, I need help with money management, budgeting, and tips on saving. Please HELP.
Travis Howry
I have read a lot and most peopl say this works, a few say it doesnt. My question is, I have several accounts on my report that are ‘owned’ by midland credit management…a few things i noticed is
1. They have changed the account numbers on all of the accounts on my credit, as well as the “date opened” and “last payment” dates… so it really looks like i have DOUBLE the amount of debt on my credit, with half of it looking to be recent, instead of old charge-offs. Is this legal?
2. How old should a debt be before i request debt validation? Does it matter?
3. Should i send ONE validation letter requesting validation for MULTIPLE accounts, or seperate?
4. Do i file a dispute with the CRA first, or the collector first?
Anyone have any experience dealing with MCM and/or debt validation? What happened? I feel like they are somehow breaking a lot of laws…. please help!
One thing i did want to mention, is that these accounts are only 2-3 yrs old. Original accounts are reporting a $0 balance, and then the account is listed by midland is reporting a balance as the “collector”, but the dates make it seem like i just opened the accounts 3 months ago, when they were charged off 2 yrs ago!
Charles Yochim
I’m still in college and know very little about personal finance. My parents manage to get by but I really question some of their decisions at times because I’m further in debt with loans than my friends in the same situation. I wanna manage my own finances with saving, investing, debt management, stocks. etc. What are some recommendations for good programs or books for this? Thanks.
Modesto Susana
debt management firm?
Lynelle Karagiannis
I responded to a collections lawsuit, went to case management months ago, and today was to be the day of the trial (Dec 12). I found out that it had been dismissed on October 22. All the clerk could tell me was that it said “Case Dismissed: No ADR.” I have not received anything in the mail from the court or party that sued me. What happens now? Does this mean that this case is over? Can they still list it on my credit report?
Shana Samela
Last year i applied for EMA (education maintenance allowance) and didn’t qualify. Since then however, my parents have got into deeper debt, and are now being helped by a debt management company. This obviously makes life tough, as there is very little money for anything.
My question is – does EMA make exceptions for this sort of thing? i have a job but it’s not really enough to support me.
If anybody could advice me on what (if anything) i am entitled to, that would be great – thank-you. I’m currently in High School in Scotland.
Machelle Loury
I have about $15,000 in credit card debt. I have tried to get personal/consolidation loans, but have been declined numerous times. I recently contacted Careone Debt Relief Services. They suggested that I enroll in the Debt Management Program, it is different than the Debt Settlement program that many other agencies endorse. Can anyone give me some feedback in regards to Careone and the Debt Management Program? I have not yet enrolled and would like to get some other opinions before I enroll. Thank you!
Bianca Briere
I am currently in the business administration program and my major is Health Services Management.
Has anyone else graduated and then had a hard time finding a job because you received your degree from Devry?
I am going to be about $50,000 in debt when I’m all done and not being able to find a job to pay for it is my worst nightmare!
What should I do? Will I be able to transfer my courses to a “respectable” college?
Mohammad Mcwilliams