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

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My credit card went through a cycle in the washing machine. Has anyone done that, and how did it turn out?

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Me and my wife are in the process of a divorce right now but we are still legally married. I started talking to her over the phone about the divorce and she freaked out, came to where i currently live and took my car stereo face plate and my credit card. And here is my question. Since i have a girlfriend already, Can the situation flip around with the cops for cheating? we have been separated for a year but can i get in trouble for cheating?

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If I order something by phone or on-line and I receive the item but the purchase never appears on my credit card, how long is the merchant allowed to delay processing my payment? After a certain amount of time does their ability to process it expire?

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Data mining: The process in which a cooperate entity, government or an otherwise unknown clandestine group monitors emails, web transactions, phone conversations, credit card and other various financial transactions, or any other digitally recorded action made by an individual within a society.

This information is used to track, predict, and influence the behaviors and patterns of a specific individual or individuals. It has been suggested that many high level law enforcement agencies are relying more heavily on data mining.

How is data mining not an invasion of privacy, and why aren’t more people up in arms about it?

Technorati Tags: clandestine group, credit card, data mining, financial transactions, group monitors, invasion of privacy, law enforcement agencies, level law enforcement, phone conversations, web transactions

Someone obtained my VISA card info online and my address and made two dollar online purchases of flowers. I called the flower company and actually got the name and address that the flowers were delivered to (in another city)as well as the email address the imposter used. They gave my name and address to the flower company as well as my card info.when ordering.
I called the bank and shut down my Visa debit card while they investigate for a refund.

This incident happened a few days after I signed up for an online stock trading company and gave them my account info (but not my credit card) for transaction verification. I am suspicious that someone hacked my information from them or some other recent online merchant.
How can I find out what company my info was stolen from to avoid dealing with them in the future.

Also,someone mentioned about filing a police report.
What good would this do? I feel uneasy that the criminal has my home address as well as my card number.(now canceled). Not sure I want the police forging any further link between myself and this thief.

What do you think?
Thanks.

Technorati Tags: credit card, few days, filing a police report, flower company, flowers, home address, imposter, name and address, online stock trading, thief, visa card info, visa debit card

I have an online store where I sell handmade jewelry and beauty products. I currently accept PayPals payments. But I receive many orders from customers (by phone or in person) that sometimes want to pay by credit card. Is there a way that I can accept those payments and then process them myself?

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Say for example if I withdrew £50 from a cash machine with credit card, any ideas on how much interest is paid at the end of the month!?

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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

todAy the ATM machine took my credit card away then someone else came along and took it but the card only had 7.94 on it can anything bad happen besides my parents getting upset . they already know.

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ive just recieved my credit card and there’s an atm at the mall. can i activate it from that atm even if it’s not a wells fargo atm? the bank is actually farther than the mall.

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My card was captured by the ATM machine…

Can you please give me a " formal letter" showing that i want to get back my credit card

thanks

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i am indonesian. living in Guangzhou china. wanted to have credit card. i never have credit card before. and here in china i realy need one for shopping because sometimes i dont understand the language in the atm machine. any idea how to get one credit card for my own? any bank.

thank you.

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i want to put the ringtones on my credit card, but only but only buy one, and avoid being scammed in the process….

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Anybody work in the board game industry that may have first hand knowledge when Parker Bros will make a US version of this game with the electronic banker? You can tell me..I won’t tell anyone! Our secret…LOL

I read that it is available now in the UK, Australia and other countries. It seems pretty cool and replaces the money with a credit card. I want this!!! But only ones for sale are in other countries and use foreign landmarks on the spaces…i.e. Buckingham Palace..Big Ben. You get the point. C’mon Parker Brothers!!!

Technorati Tags: australia, big ben, board game, buckingham palace, credit card, electronic banker, game industry, hand knowledge, landmarks, money, parker bros, parker brothers, point c, secret lol

I’m not talking about sit down restaurants, I’m talking about like Subway, Burger King, or other fast food places or walk in places.

Like you order your food, and then you try to pay with your credit card because you’re short on cash but they say sorry our machine isn’t working. Would it be rude to not pay and just leave after they made your food?

This has happened to me twice, luckily I had just enough to pay with cash. But happens if you don’t have the cash?
I should have said debit card. I have one of those prepaid "credit cards" so I say credit instead of debit because I don’t have a pin #.

Technorati Tags: burger king, credit card, credit cards, fast food, food places, restaurants, subway

If they scan the credit cards with the X-ray machine will it destroy the credit card?

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I am in the process of moving cross country for my new job and while the company is taking care of moving my items, I still need to buy things like a bed, clothes for work, car repairs, new phone (old one broke, etc. Since my new job will pay me pretty well I was thinking about taking out a personal loan to help with the initial expenses. However, I’m finding most banks won’t loan me the money since I am not established at my job yet. One banker suggested I get a credit card and use the 0% interest for 12 months and treat it as a year long loan. Do you think this is a good idea? are the any better alternatives?

Technorati Tags: 12 months, banks, bed clothes, car repairs, credit card, cross country, initial expenses, money, new job, personal loan, work car

my sister just washed and dried her credit card

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Any opinions or ideas or theses on what might have happened to the world and credit and the electronic money machine if the credit card was not invented i need this answer as soon as possible because i need to turn in my history day project by 12`16`09

Technorati Tags: credit card, electronic money, history day project, money machine, theses

My cell phone payment was made online by my husband using his credit card and after an argument he has called the cell phone company and the card company to have the payment reversed. He told them the payment was not authorized… I’m wondering what will happen to my cell phone. My bill was due today and if the payment is reversed will the phone be turned off and how long will the whole process take?

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So, I’m looking to get my first credit card soon to begin building my credit. Being that I turned 18 half a year ago with only a single bill under my name, I still have 0 or next to nothing credit. Therefore, when I go to look for one, I’m on the lower or "limited section".

My banker at one bank told me to use CapitalOne first since that’s what they used and it should work out fine. I believe I fall into the category of "Limited History" or "Limited Credit". There’s several different cards that look like they all do the same like "Platinum" and "Young Adults". However, when I go to see if I pre-qualify and say that I just want low interest rates and have limited credit, they pair me with the "Classic Premium". Is this the right choice for me and am I on the right track?

Some other concerns were that my banker told me to always pay the minimum balance on time, but leave an "outstanding balance". Any help on just what outstanding is if anything other then having something left to pay? We agreed on me paying the minimum balance then half of whatever was left. She said by doing this, I’d build credit much faster and be good after 6-8 months at which point I’d drop CO, get a credit card from my current bank and another one elsewhere.

Some other small questions are about the APR percent (what it means; how it works) and when I get the annual fee. There’s also a problem I saw during the actual application of the credit card. It requires that I put a monthly rent payment and yearly income but I’ve only had my job for 7 months and don’t make rent payments yet, so what would I put there?

I’m just here for another opinion and confirmations. I’ll most likely speak to my banker on the phone during the process as well since she only set the foundation. Thanks for any help and I apologize for my poor knowledge thus far.

Technorati Tags: 7 months, cards, credit card, job, low interest rates, minimum balance, platinum, poor knowledge, right choice, yearly income, young adults

I am going to stop by the bank on Monday, but I just wanted to get some advice over the weekend before then.

I recently paid with a check for a loan officer training manual that included several CDs and DVDs. When I got home, the package was missing four of the CDs. I immediately called the customer service number and I had to leave a message. They took a couple of days to call me back, but they told me they would mail the missing CDs. I got the package in the mail a few days later and there were only two out of the four missing CDs. I have called back three separate times and left three separate messages trying to resolve this problem, but I have not received a return phone call. I know it would be no issue to dispute the charge if I had paid with a credit card, but I’m not quite sure about the process for disputing a charge when you pay with a check.

The training package was 5, so I’m a little bit irritated to say the least…

Thanks in advance for your advice!
Oh, I forgot to mentio…yes, the check has already cleared. I was planning on stopping the payment on the check when I received the package and realized that it was still missing two CDs, but the check had already been cashed the day prior to that.

Technorati Tags: couple of days, credit card, customer service number, dvds, few days, little bit, loan officer training, mail, phone call, thanks in advance

Ok I am 23. I am a first year grad student and I also have a full time job. I am trying to be responsible and plan for my future. I have a low credit score because of stupid stuff and now I am trying to build my credit and show that I am responsible. I have 3 hospital bills on my credit report which I just paid all three of them off, I have a utility bill that I paid off, and I have a old phone bill that I am in the process of paying off. I wont to get a credit card to help show that I can pay bills online but I am not sure who I should go through since my credit isn’t the best. any suggestions. Thanks in advance

Technorati Tags: credit card, credit report, credit score, full time job, grad student, hospital bills, stupid stuff, thanks in advance

We are in the process of buying a new car from an authorized dealer.

The car we want is hard to find. I have searched online inventories of dealers within our state and within the neighboring states and have found 1 with the exact specs we want.

I called the dealership, got a price from them (invoice, although not in writing yet). We are planning to go get the car on Monday. The dealer wants me to give him a 0.00 deposit over the phone for him to hold the car until I come and get it. I understand why he would want to do this.

My question is… is there anything I need to do before I give him my 0 deposit by credit card over the phone? Is this the usual practice? Is there any danger to this??? Any advice?

Thanks!

Technorati Tags: authorized dealer, buying a new car, credit card, exact specs, inventories