Q&A: What happens when you recieve a credit card judgement?

Question by jd51196:
What happens if you get a credit card ruling?

Best answer:

Answer by Jennifer B
You now have Public Records on file and reporting to the three credit bureaus which will lower your credit scores.

Some lenders think about Public Record items an instant reason for denial.

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Can I get a cash advance using a credit card from a bank other than mine (chase)?

aaron_mroczkowski Asked:
Can I get a cash advance using a credit card from a bank other than mine (chase)?

I have to do to my Chase credit card payment. I called the Customer Service phone number and asked for a PIN via ATM can do in the future. Unfortunately, the PIN is not delivered for 7-10 business days and I need the money as swiftly as possible. They stated that I will receive an upfront payment in mortal at Chase. My question is whether or not I would be healthy to get the advance payment from another bank, even with the Chase credit card.

Best answer:

Answer by rebeli812
i did once. went to my local bank and got cash after providing picture id i should mention i had a checking statement at that bank.

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How to Get Accepted for a Credit Card

Acceptance for credit cards will depend on your credit rating standing. If you have good credit then you are practically guaranteed to be accepted. But if your credit report is not as good as you would like it then you need to take action immediately. First of all you need to see a copy of your credit report. You can normally request one copy per year for free and this information is the exact same that a bank and credit card Company would see once they do a credit search on you.

If you have a bad credit rating then all is not lost. You just have to repair this credit. The most harmful item to find on a credit report is CCJ’s or County Court Judgements. These are given to you because you have unsuccessful to pay back some form of debt. It could be a credit card or loan but after going through the procedure of repayment for some reason the debt is still outstanding. This is the last resort for the banks who have tried everything else to recover their money so they are forced to go through the Courts. If you have these then you need to borrow money or make some extra temporary income and pay them off in full.

If you can't move for the credit report to look much superior and you need a credit card urgently then you have a further two options. You can buy a pre-paid card. This type of card is funded by you so you are guaranteed to be accepted. You can only spend the credit you have on the card so there is no chance of you getting into debt. These pre-paid cards are not just very practical but they also give your credit rating a boost because you are constantly funding and using the card.

If you want a standard type credit card then you are going to get hit with a very high interest rate because of your bad credit. You can still get accepted evenhandedly easily but remember you are going to be financially punished apiece time you use your card. The interest rates on these types of cards are normally 30-40% so you need to not only use them wisely but you must always pay off the equilibrise apiece month. If you spend 100 on the card then you will have to pay back 130 or even 140 depending on your credit card rate. These types of cards should only be bought in an emergency and are not he answer to controlling your current debt.

There are many ways we can rebuild our credit history over time. We want to accumulate as many positive points as doable so our credit report can be transformed. This might take 6-12 months but the sooner you begin the better. Try taking out store cards. These are again very high interest rate cards but you do not have to spend much on them apiece month. The key is to repay the amount back apiece month. Never go into debt with them. You buy small items which are inexpensive and you pay back the equilibrise apiece month. These regular repayments will look great on your report.

Contracts are also a great way to get back some credit report respect. Mobile phone contracts are easily available. Take out a 12-month contract. You get a new phone and you use it within the tariffs that have been set. If you overuse it you are going to get charged excessively. Just use the phone apiece month within the tariff and make sure you pay the bill on time. Do this for 12-months and you are rebuilding your credit report with minimum effort.

Credit card acceptance always reverts to your credit report. Have a look at yours and begin to rebuild it using the steps above. In no time at all you will be back in good credit standing and will get accepted for most credit cards.

Credit Card Cash Advance or Payday Advance?

People will always have some reason for needing cash that they do not have. It does not always have to be an emergency such as unexpected expenses in between paychecks. It could also be because they want purchase big-ticket items or go on a grand holiday. For whatever reason, two of the fastest ways to get funds is through credit card cash advances or payday advances. Both have its advantages and disadvantages. It all boils down to the borrower’s capability to pay. Below is a comparison between the two options:

• Payday advances have a higher interest rate than cash advances from credit cards. The to finance charge per 0 borrowed might not seem too much to pay at first, especially if the borrower is healthy to pay off the loan after two weeks. However, if the borrower can't pay on the deadline, the finance charge is compounded for each week that the loan is unpaid, a rate of increase much faster than for credit cards.

• Credit card cash advances can take a longer time to pay. The usual practice of credit card companies is to apply payments to any existing equilibrise first before paying off the cash advance itself. Unless the payment is massive enough – certainly well over the combined minimum payment for the current equilibrise and the cash advance – it will take a long time for the borrower to make a dent on his credit card debt.

• Payday loans have no effect your credit history. Because the terms are quite short and the loan is guaranteed against the borrower’s next paycheck, payday advances do not contribute to or detract from your credit score. This is unlike credit card cash advances, which are included in your credit history.

• Borrowers get cash faster with payday advances than with credit card cash advances. There are usually less requirements, no faxing of documents and credit history checks, making the loan process faster and the loan guaranteed, more or less. On the other hand, credit card cash advances are subject to credit history checks and is not guaranteed.

Based on the pro’s and con’s listed above, fast cash loans, like payday advances, seem to be the superior choice over credit card cash advances. However, the borrower has to keep in mind that fast cash loans are short-term loans only and should not be used as a long-term financial solution. It is superior only if the loan is sure to be paid on or before the deadline. If the borrower is not sure that the loan can be paid in two weeks, a credit card cash advance would be superior because of the longer period for payment. However, one should not make a cash advance on a card with a massive equilibrise or, worse, maxed out. People should refrain maxing out their credit cards because it becomes harder to pay several of these at once.  In the end, only the borrower can decide which of the two options – payday advance or credit card cash advance – is more suitable for the situation.

Satisfaction Of Judgement on Credit card company that was included on my Bankruptcy Discharge But still on?

azbluesman1962 Asked:
Satisfaction Of Judgement on Credit card company that was included on my Bankruptcy Discharge But still on?

I have a sentence for a credit card. It is on my credit report bankruptcy, but also as a verdict. I visited the Better Court and was advised to contact credit card company so that they could solve them. We are now in the last couple of days a home and the lender no credit when we do not get this solved. Any tips? Thanks

Best answer:

Answer by Dixie Darlin’
If the judgment was won and was put on your credit report prior to the filing and discharge of your bankruptcy then it will remain on your credit report. It will be granted to be reported for 7 years.

The judgment will not be removed but they do have to mark it as Discharged as part of the bankruptcy. Your bankruptcy does not erase accurate reporting, they just have to update the position of the judgment.

Give your answer to this question below!

Is it possible to file for bankruptcy after being given a judgement for credit card debt?

Sydney H Asked:
Is it doable bankruptcy after a sentence for credit card debt file?

Best answer:

Answer by HUTNA
Yes all you have to do is include it in your bankruptcy and all bad debit the sooner you do this the superior the court will order them to stop garnishments and whatever they take from that day on will be returned to you cause they are aware you could sue them so go and get started on your bankruptcy your lawyer should include his fees in your payments to the court if you file 13.Andi f you file 7 he might have you make payments to him

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What type of attorney do I need for Q’s about credit card judgement causing bank account & car to be seized.

chidordon Asked:
What kind of lawyer do I need to Q’s caused by credit card & bank statement Judgement automobile will be confiscated.

I don’t want to file bankruptcy, because fraud was involved in my debt. (No harsh comments, please… I messed up bad, I know).

I’m inheriting a used, paid-off automobile worth $ 3000. I live in Michigan. I’m also worried about the funds in my bank account. I’m cashing a massive check and the bank requires me to deposit it for 5 days before withdrawing.

Thanks for any advice.
Best answer:

Answer by sheera1216
can you open another bank statement at a new bank? I messed up bad myself years ago and had to pay off the debt to the men in black trench coats! It takes time to make it right. Do the right thing and it will work out for you.
good luck

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Best Credit Card For Balance Transfer With 0% APR Offers

These Credit Card For Transferring Up To ,000 Balances

There is an interesting point about the ideal equilibrise transfer credit card offers with 0% APR is that you get away with no interest payments on equilibrise transfers for a certain period of time. Depending on the offer itself or your current FICO ratings, this can range from three months to even an entire year. Such deals can be used by financially smart individuals in two different ways. Firstly, you can save quite a lot of money over interest fees if you have a lot of unpaid balances on your current statement due to existing cash advance borrowing or shopping purchases. At an average of 24% APR for most bad credit visa credit cards, you can save over 00 if your outstanding balances are nearly K. The second approach people used to make use of zero interest equilibrise transfer credit card is lesser known, and that is to make money rather easily and yet remains legitimate.

To use 0 equilibrise transfer cards on introductory promotions for avoiding unnecessary interest charges on your existing credit card loans, you just need to transfer these balances (which usually must be from another bank) to this new bank card account. After you have done that, any surplus disposable income you have remaining san necessity expenses can be used to pay down the loan principal balance, rather than wasting it on interest repayment without helping to reduce your debts at all.

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Credit Card For Transferring Up To ,000 Balances

The most interesting point about the ideal equilibrise transfer credit card offers with 0% APR is that you get away with no interest payments on equilibrise transfers for a certain period of time. Depending on the offer itself or your current FICO ratings, this can range from three months to even an entire year. Such deals can be used by financially smart individuals in two different ways. Firstly, you can save quite a lot of money over interest fees if you have a lot of unpaid balances on your current statement due to existing cash advance borrowing or shopping purchases. At an average of 24% APR for most bad credit visa credit cards, you can save over 00 if your outstanding balances are nearly K. The second approach people used to make use of zero interest equilibrise transfer credit card is lesser known, and that is to make money rather easily and yet remains legitimate.

To use 0 equilibrise transfer cards on introductory promotions for avoiding unnecessary interest charges on your existing credit card loans, you just need to transfer these balances (which usually must be from another bank) to this new bank card account. After you have done that, any surplus disposable income you have remaining san necessity expenses can be used to pay down the loan principal balance, rather than wasting it on interest repayment without helping to reduce your debts at all.

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Equifax deletes a charged-off statement in bankruptcy, a sentence and another statement was charged off. 22. October 2009. If you have any questions, please contact me in goodcreditllc@gmail.com e-mail or visit my website. www.fixyourhorriblecredit.com

a question about a credit card judgement granted against me?

Question by shahlavegas:
a question about a credit card Judgement allowed against me?

I had a judgement allowed against me for $ 8,000 6 years ago, I work and I don’t have garnished consequence and I have automobiles in my name, I have a few grand in a savings account, do these companies have the power to go after assets and it doesn’t look like they have if so how long do they have and what is typical with old judgements like how long to oppose this if at all.

Best answer:

Answer by golferwhoworks
It can sit on your credit for 10 years in public records. It just gains interest till paid off. If you own your own home they attached it as a lien that will get paid if you ever refinance or sell the home. In some says it is attached for up to 20 years.They might also go back and get the judgment extended by the courts and begin garnishment at any point in time

What do you think? Answer below!

Q&A: I have a question regarding a credit card judgement?

Question by Jeremy:
I have a question regarding a credit card ruling?

Hello, I have recently filed a “motion to leave judgment” to stop a garnishment of consequence from a credit card company. The motion was accepted and I have a hearing in about two months. I’m convinced I will be healthy to get the judgment vacated but my question is does filing this motion temporarily stop the remuneration garnishment until the hearing date or will my consequence continue to be garnished until the hearing date?

Best answer:

Answer by R J
Your consequence will continue to be garnished. Had you filed your motion promptly…usually within 20 to 30 days of the judgment date, your consequence would not have been garnished in the first place. RJ

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