Here is my situation,

I recently bought a house in my city (September 2008).

I also havea 7,000 student credit line dept (my parents said they will be paying it off for my shortly as a helping hand)
and 2,500 credit card dept (maxed)
500$ cellphone bill.

I was layed my job 3-4 months ago. and have no been able to make morgage payements. collectors started calling, ect but was not able to do anything. i received a paper via mail from the couts saying something about i owe the CIBC (my bank) 108k. i think they are suing me? does that make sense? for not paying my morgage?

What happens now? do they reposes my house?

Ok to continue on, after searching for a job with no avail (huge unnemployement rate in my city) i decided to leave.

Im a 5th year plumber, so i did make good money when was working, but was layed off beause the industry was dead.

So in light of all that i decided to move (loosing house(i think) stress with money and not having it) i sold my things and moved. out west were theyre is work.

now ive found an independant contracting job, but im broke. (flew down here with 200 dollars in my pocket. clothes and tools).

I would need a truck, liabilty insurance, work comp, car insurance. a cell phone.

The job pays VERY VERY well. and is reliable on hours, i will make a killing and able to re-establish myself financially in no time. But i have all this dept and no money.

I’m young, 22 and i have been foolish wiht my money. Now im in a situation and i have no idea how to go about getting out.

Im looking for detailed or any advice i cant get onwhat i should do.

So there some type of loan i can get to merge my current dept.

What do i do about the house, i have been in no contact wiht them at all, and dont know what the process is when you havent and cant pay. Like take the house?? which i dont live there anymore. what happens to the dept? the lawsuit (i think thats what it is)

And how can i get some money to get this buisness going, (independent plumbin contractor). to get myself re-started again. I figuere start up cost will be atleast 15,000$

any help and advice would be helpfull.
16 minutes ago - 1 week left to answer.
Additional Details
Im being hired on at 50/hour, garantee 40 hours a week (most likly will be 60-70). And advancements within 3 months. His other plumber makes 80/hour

Technorati Tags: 4 months, avail, buisness, car insurance, cell phone, clothes, couts, credit card, helping hand, insurance, insurance work, mail, money, parents, plumber, searching for a job, stress, work comp

I’m looking to avoid the ridiculous cost of a land line for my business. I already have a cell phone for business use. Is there a way to connect a basic credit card terminal into a cell phone?

If not, what would be the most cost effective way to accept cards? This is a small restaurant and service needs to be speedy!

Technorati Tags: cards, cell phone, credit card terminal

I have some debt that I have been holding onto for a few years now that has gone into collections. Things such as store cards, one major credit card and a cell phone. I just paid off my over 0 old cell bill which the cell has been off for quite some time now, almost a year. I paid it off in two payments of 0 and change. I now just started the process of paying off a store card–the first payment was scheduled to come out a few days ago. Sorry to add somewhat unneccesary info. anyway, this next card should be paid off in September and hopefully I will just continue doing this till all of this past debt is gone……With me paying off the cell and this other store card how muchw ill that improve my credit, if any at all??
Thank you for the honesty. I don’t know why I did it, stupidity and being nieve, I suppose.

Technorati Tags: cell phone, collections, credit card, few days, honesty, next card, store card, store cards, stupidity

I have paid off all my bad debt, as in late charges on old cedit cards and all that. I need to know how to raise my score. I put a down payment on a cell phone and other stuff, but it doesn’t show up on my credit report. I just need to know how to up my score without hurting myself in the process. I have changed things around and have promised myself never to get in that mess again, but now I can’t get credit for anything. Help me please?

Technorati Tags: bad debt, cedit cards, cell phone, score

First of all, I’m a techno-idiot. That aside, can I connect to the internet on my laptop via bluetooth from my cell phone on which I’d use a dial up connection? For my purposes, a monthly plan for a wireless connection via USB, card or whatever just isn’t cost effective. All I need to do is have the ability to process a few credit card slips mobily a couple of times a month. The POS plans & machines aren’t cost effective either. I do have Quick Books Credit Card Processing Kit which I can install on my laptop in addition to my PC. I just need a way to get to the internet. Usually, I’m not near a wi-fi hot spot.
Thanks!

Technorati Tags: amp, bluetooth, cell phone, credit card processing, dial up connection, hot spot, laptop, quick books, usb card, wi fi

Hello all!
I am a Canadian Citizen currently in the process of becoming a permanent resident of the USA. Due to a past abusive relationship and teenage stupidity, I don’t have the prettiest credit score in Canada. I want to start building my credit in the US before I receive my Green Card and move down there. Is there anyway to do this without a Social Security Number or any other US documentation? Please help!

(Cell phone? Credit card?)
Also, is there anyway to avoid my Canadian credit from following me to US?

Technorati Tags: abusive relationship, canada, canadian citizen, cell phone, credit score, green card, move down, permanent resident, phone credit card, social security, social security number, stupidity

When I was first pregnant my husband (at the time fiance) had me go to an ER. I was in major stomach pains and tried telling him it was normal because my mother had the same problems with all four of her kids. But he was so afraid it was something else so I went. All they said was "yeah you’re pregnant and about 6 weeks." they didnt’ say anything about why i was in pain, and even stuck me with something. I actualy screamed out because it hurt so much and the lady was like "oh no, shhh shhh shh" shushing me. I remember something about saying useing a straw (im guessing to get urine although I dunno why i oculdnt just go to the bathroom and peei n a cup) and her saying "i’m glad we didn’t use the big straw" ANYWAYS- we didn’t have insurance at the time, I was techinially comepletely on my own. I dont have any credit cards or anything-been married to hubby for over a year now and we have our son. We were able to get insurance before baby was born (he’s in military and they were going really slow. We were trying to get married even before I was pregnant and ended up having to call higher up to get the process going. Apparently the area he was workign in didn’t want him to get married and was trying to hold it off . I guess thuinking if they held it off long enough we wouldn’t marry at all.) Anyways, debt collectors have called his cell phone, we did make one payment once when we could afford it but we havn’t been able to ever since then. Anyway, what can they do? Mother in law keeps saying they can’t do anything. Any experience? thanks

Technorati Tags: cell phone, credit cards, debt collectors, experience thanks, fiance, hubby, insurance, mother in law, stomach pains

My boss always has me doing miscellaneous odd jobs while I’m at work in his store, and today one of his assignments to me is to find out (even though I am about 75% incompetent with computers and technology of all sorts) if he could cancel his LAN line for one of his businesses, but use a cell phone that he’s already paying for every month to run the credit card machine. Someone I know suggested that he’d have to buy a -600 machine to work with the cell phone, and I know the clerk @ that business can always call one of his other businesses and run the card transactions through one of his viable credit card machines. But if someone knows ANYTHING credible about this, I would really love some information, cuz I’m really in the weeds here! Thanks!
ok, "land" line then, goes to show how technology retarded I am
excuse me, "technologically challenged" i believe is the PC term, before ppl start flagging this question.
if my boss disconnected his "land line" we would have no internet.

Technorati Tags: all sorts, boss, card transactions, cell phone, credit card machine, Credit Card Machines, odd jobs, ppl, weeds

well its my first time using Ebay. i got an account and a Paypal account yesterday. So, today i tried bidding on a cell phone, i put 5.00 as my maximum bid. i confirmed it, but everytime i try this page pops up saying: You can increase the activity limits on your account by taking one or more of the following actions:

1. Sign Up For PayPal

Registration is free and you do not have to pay with PayPal.

PayPal is the best way to pay for your purchases on eBay and offers 00 in buyer protection.
Existing PayPal account holders can click here to link their account.

2. Verify using a Credit Card
Process is immediate and your card will not be charged.
Important: only available for Visa Credit and Mastercard.

so i linked my account.. and it says that Ebay and Paypal was successfully linked but it may take up to a few hours until i can bid. so i waited for a day.. and i tried again AND THAT PAGE STILL POPPED UP.. HOW DO I BID?! thanks.

Technorati Tags: buyer protection, cell phone, credit card, ebay, paypal account, visa credit

This is not really a question more like information for you guys. I have been doing this on my own since September 2009, decided not to waste a month with Lexington Law to do the same thing, I have managed to Successfully have my Bankruptcy Chapter 7 (Filed in 2005) DELETED from all 3 Credit Reports, as well as 10 other Negative Credit Cards from Capital One, Target, Macy’s and various collection agencies within 4 months.

Just recently I have been able to obtain a New Car Loan, and a Cell Phone Credit Account.

Here is how you do it:
Get your credit report
THE FIRST DISPUTE WILL MOST LIKELY NOT REMOVE IT -
Dispute the information "Please verify all balances/dates as this accuracy of this account is incorrect"
**They have 30-45 days to respond, if they do not verify it, by law it is deleted, if they do it will update*

**DO NOT GET DISCOURAGED- - THIS IS A PROCESS**

When/If it comes back unchanged/Updated Re-Dispute it and state:
"Please state your method of your verification process and source all information on balances, dates and provide information"

Give it 30-45 Days, It most likely will come off/delete from your credit report
If it does not, re-dispute it again with the same statement

My score has increased 100 points in 5 months and i have went from 10 derogatory remarks and a bankruptcy to 3 remarks and no bankruptcy

Technorati Tags: 4 months, 5 months, accuracy, bankruptcy chapter 7, capital one, cell phone, collection agencies, credit cards, credit report, credit reports, derogatory remarks, macy, new car loan, score, target

I am an artist and do trade shows. I currently use a Nurit 3010 credit card swipe machine with a wireless merchant service. At my last show, another merchant told me that she thought there is now a product called a "cell phone dock" that would allow me to do credit card transactions with my cell phone. Normally these docks are for connecting your cell phone to your home or office wired phones. If this is true it would save me tremendous "$" as the merchant service is NOT cheap. Does anybody know if this would work?
bigboy: what in the world are you talking about?
chrisgalv : could you please explain why you don’t think it will work? My swipe machine will dial out using my phone line at home. Also, I have heard from another merchant that they are doing this…
Also, if this wont work, if somebody invents a gadget that will do this they will make a fortune! There are thousands of mobile merchants who are on systems like mine.

Technorati Tags: cell phone, credit card swipe, credit card swipe machine, credit card transactions, docks, fortune, gadget, merchant service, mobile merchants, nurit 3010

I owe money on 3 credit cards. My car got repoed a few months ago and it’s in the process of being auctioned off and I am responsible for paying the difference which is a few grand. I am literally broke. I closed my bank account because I’m scared that the collection agencies have authorization to take whatever is in my name. Is this true? Can you please tell me what to watch out for? This is getting really annoying because there are some things I want to pay for like my phone bill or just simple things here and there and it sucks not having a debit card, it’s so much easier. I even purchased that american express gift card but that’s not even re loadable. Any tips? Also, another crazy thing. I am a new customer with a cell phone carrier and the very next day after getting new service, my phone has not stopped ringing from the creditors. How did they get my number???
Lemon: Thank you for understanding and taking the time to answer this. I’m very scared about the whole bankruptcy thing lol I’ve considered it numerous times before and I even contacted an attorney but when the appt came, I chickened out and never showed up lol

Technorati Tags: american express, american express gift card, appt, bankruptcy, cell phone, collection agencies, crazy thing, credit cards, creditors, debit card, express gift card, money, phone carrier, taking the time

I have a Wal-Mart Discover card that I use for gas and minor purchases that I pay off every single month. Over a year ago, I paid my bill online and by the time the check was processed, I didn’t have enough money in my checking account so my check was returned. I paid the fee right away along with whatever my balance was and continued using my card. Suddenly, at the end of November, I tried to use my card and it got declined. I thought this was so weird because I called the customer service line and was told that I had PLENTY of available credit and my next bill isn’t due for 3 weeks. The card still didn’t work and kept getting declined. I called the Wal-Mart customer service line literally 10 times and was put on hold for about 20 minutes each time… (a COMPLETE waste of cell phone minutes). They kept telling me that they reset my account and that my card should work and didn’t know what was causing the issue. Finally, after the 10th call, and being transferred through about 5 departments, a lady told me that they are putting a hold for 1 billing cycle on anyone’s account who has had a returned check. THIS WAS OVER A YEAR AGO! I was NEVER notified that a hold was going to be placed on my account and this is just a wonderful little gift right in the middle of the holiday season! Is this reasonable? I have NEVER heard of this before and I think it’s ridiculous… Any thoughts?

Technorati Tags: billing cycle, cell phone, checking account, customer service line, discover card, enough money, holiday season, minor purchases, wal mart

Visa mobile is a new service just for chase Visa Credit and Debit card holders. Visa is currently testing this on T-mobiles Googe smartphone. You can view your Visa card balance all the time on the phone. You also get offers dlelivered to your phone from several merchants.

I would not be interested in a service like this. Its too big brotherish for me. If you loose your phone someone can pick up your cell phone cand get all of your account information.

Would people really be interested in a service like this?

Here is an article introducing the service.

http://www.centredaily.com/business/technology/story/1015545.html

Technorati Tags: business technology, card balance, cell phone, chase visa, debit card, googe, merchants, technology story, visa card, visa credit

I tried to buy a cell phone using a yahoo shopping vendor.The registration process had been completed (including entering my credit card number). However, the vendor send me an e-mail, told me that the payment was failed because of an error. So, he asked me to send the money via western union. I’m afraid that the item has aready been charged to my credit card, so how to chek wheter it had already been charged or not? Are all vendor is yahoo shopping can be trusted? Is this a kind of swindle? (the vendor name is fleitex.ltd at www.tmobile-mart.com)

Technorati Tags: cell phone, credit card number, e mail, money, tmobile, vendor name, western union, yahoo, yahoo shopping

Visa mobile is a new service just for chase Visa Credit and Debit card holders. Visa is currently testing this on T-mobiles Googe smartphone. You can view your Visa card balance all the time on the phone. You also get offers dlelivered to your phone from several merchants.

Here is an article explaining the service.

http://www.centredaily.com/business/technology/story/1015545.html

I would not be interested in a service like this. Its too big brotherish for me. If you loose your phone someone can pick up your cell phone cand get all of your account information.

Would people really be interested in a service like this?
This is just a way of big brother to watch you. Visa is looking for more ways to make money.

Technorati Tags: big brother, business technology, card balance, cell phone, chase visa, debit card, googe, merchants, technology story, visa card, visa credit, ways to make money

It’s this work-from-home business where they set up appointments for u, and you go to the small businesses around you and try to sign them up with a new credit card processing service from Summit, and you get paid by commission, Summit also claim to give a car/gas/cell phone allowance , how legit are they? has anyone ever work with them?

Technorati Tags: appointments, car gas, cell phone, credit card processing, credit card processing service, home business, small businesses, summit

Thank you for your recent purchase on att.com. Unfortunately, the information you provided does not match what the credit bureau has on file.
In order for us to continue processing your order, please call us at 866-405-1373 and have the SSN card available for the person financially responsible for this account. Please reference order number: ********* when you call in.
Please do not reply to this email, as it will go to an unmonitored box.
Another alternative is to order GoPhone, the only prepaid wireless service that provides Nights & Weekends, Mobile to Mobile calling to all AT&T Customers, and Rollover™ Minutes—all without a contract. You can order GoPhone by visiting http://www.wireless.att.com/cell-phone-s…
We apologize for the inconvenience and look forward to serving you. If we don’t hear from you by July 3, 2009, your order will be canceled automatically.
Thank you.
AT&T
You are receiving this communication because this email address was recently used to submit an order online at att.com.

does this mean i cant get my phone or does it mean i just gotta prove who i am? to get my phone

Technorati Tags: amp, cell phone, credit bureau, email address, inconvenience, prepaid wireless service, rollover minutes, ssn card

I have a small business with very minimal credit card usage. I bought a handheld swiper from Propay online thinking it would be just fine for my usage…and am being told by a guy who sells much more expensive machines that mine will be not usable in about 6 months because of some new laws and that Visa is cracking down on the swipe and transfer data via internet or cell phone type credit card processing that I bought. Any idea if this guy is just trying to sell me with the fear tactic- that mine will be obsolete…or if it's a legitimate point he is making.

Technorati Tags: cell phone, credit card processing, credit card usage, fear, legitimate point, minimal credit, new laws, small business, swipe, swiper, tactic, type credit card, visa