612 posts tagged with debt.
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Debt Collection Questions - What do the dead owe?

I have some medical bills that my late husband apparently accrued in the last months of his life. I've been trying to figure out for what and how to get them covered by his insurance for months now and it appears that it's gone to collections. What should I do? [more inside]
posted by anonymous on May 27, 2016 - 15 answers

Cats. Money. Grief. Stress.

All three of my cats have been hospitalized this year for various reasons. I’ve spent about $10,000 on vet bills since February of this year. They’re still not healthy. [more inside]
posted by anonymous on May 22, 2016 - 23 answers

How to handle insane financial/school situation

I go to a good school on a merit scholarship, but I'm massively in debt because of past mistakes and everything depends on my doing well now. I'm fighting mental health problems, and if my GPA gets below 3.5, I stand to lose everything. [more inside]
posted by anonymous on May 9, 2016 - 15 answers

How can I help my friend with his compulsive spending issues?

My close friend M is struggling with compulsive spending (and other compulsive habits). I've just found out from a mutual friend that he's run out of money again. How can I help him help himself? What are some ways that I can support him emotionally without enabling his behaviours? (Details inside.) [more inside]
posted by mr. manager on Apr 13, 2016 - 20 answers

How to feel good while financially uncertain and living in poverty?

About a month ago I graduated my college program in software development. Despite having an impeccable resume and cover letter, I'm never asked for an interview, while financially I have thousands and thousands of dollars in student loan debt and debt accumulated from trying to survive for the last year and a half in school. [more inside]
posted by 8LeggedFriend on Apr 7, 2016 - 32 answers

Help me get out of debt.

I’m looking for employment opportunities that will allow me to get out of credit card/school debt. I’m basically throwing a hail mary and wondering if there is a company where I can devote literally 100% of my time, moving to wherever in the world, living and breathing the work, and emerging some time later without any debts. [more inside]
posted by pwally on Feb 25, 2016 - 15 answers

Consolidation loans for people with bad credit?

I have some private student loans that I didn't pay for a long time (because I didn't have a job). Because of this, my credit is terrible. I would like to pay the loans so the debt collector leaves me and my family alone, but I can't find a consolidation company that will lend to me because of said credit, even though I do have a great job now and over a year of on-time payment history for my federal student loans. My credit is going up, but not fast enough, I guess. [more inside]
posted by woodvine on Feb 24, 2016 - 15 answers

How do I handle my friend's owing me money?

A very close friend owes me $1000 and has for several years. I don't feel great about it. I'm not sure how I should handle this situation. [more inside]
posted by anonymous on Feb 23, 2016 - 48 answers

Can I get my credit card to lower my APR?

I have a credit card that I've been paying off for the last three years and have not been making any new purchases on because of the high APR (19.9%). Every year they have increased my total credit limit, which is now at $17,500. I have a balance of $1600 on the card (which I plan on paying off completely with my tax return). My FICO credit score is 762. I'm planning on calling them to try and negotiate a lower APR but I had a few questions I was hoping you could help me with. [more inside]
posted by anonymous on Feb 18, 2016 - 10 answers

I quit my old life in search of a new one. Now one is emerging...

Last year my wife and I jacked in our jobs, sold our apartment and travelled the country for a while. We were expecting to refine our ideas as to what we would do next, but instead - we found out we were having a baby. Cut to now and we realised we had to cut our trip short, came back to my folks place 'temporarily' and the baby has just been born. We're all consumed by the baby and ecstatic that he is here, but we're now worried about what we do next. An opportunity has presented itself that could be really interesting for us, but doesn't pay and is a leap into the unknown. We don't know what to do. More inside... [more inside]
posted by anonymous on Jan 16, 2016 - 22 answers

moving debt around on credit cards

I have 3 credit cards and am trying to determine the best decision to arrange my funds to accumulate minimum interest. Bringing up my so-so credit score would be a bonus. [more inside]
posted by anonymous on Jan 15, 2016 - 12 answers

good idea / bad idea?

Should we ask our bank for a consolidated loan after they turned us down once before and now hold our mortgage? [more inside]
posted by anonymous on Dec 30, 2015 - 4 answers

Borrowing from Federal Loans for college

I have a question about how much to borrow for federal direct loans/financial aid. Not sure whether or not I have enough for living expenses and college. [more inside]
posted by chrono_rabbit on Dec 28, 2015 - 7 answers

Inheriting when one sibling is disabled

I am one of 3 kids, and the best off financially. Bob is disabled and on social security and both Bob and Janet have student loans. Our parents are divorced and both retired and Dad just told us all that we will get his house when he dies and that is the case with Mom as well. Everything split 3 ways seems unfair to me since they need it and I don't. [more inside]
posted by anonymous on Dec 23, 2015 - 16 answers

Should elderly parents negotiate settlement on credit card debt?

Need advice regarding whether elderly parents (in dire financial straits) should negotiate a settlement on their credit card debt. [more inside]
posted by the return of the thin white sock on Dec 22, 2015 - 17 answers

When to save and when to discard

I am in a significant amount of debt. I also have a very cluttered home. How do I deal with the latter, given that the former makes me cautious about throwing things out? [more inside]
posted by anonymous on Dec 11, 2015 - 14 answers

Is student loan forgiveness worth taking a job I don’t want?

A Masters degree mistake, huge debt, and a brand new job. Major career questions inside! [more inside]
posted by anonymous on Nov 29, 2015 - 37 answers

Possibly fradulent debt collector calling my parents but looking for me

My mother has been getting calls from some organization calling themselves nothing other than "CCA" claiming to want to talk to me about a "personal matter". Some preliminary googling reveals a few credit collection agencies by that name. I can't think of any outstanding debts that I would have, and last time I checked my credit report (about a month ago), there were no derogatory remarks. On the other hand, my old insurance company had a data breach, so if someone is running around stealing my identity, I would really like to know! [more inside]
posted by ayerarcturus on Nov 27, 2015 - 9 answers

Help us with her student loans!

My girlfriend attended a top US private university. In the middle of her undergraduate education, she suffered a stroke that left her with significant written and verbal communication difficulties. Medical and family problems compounded, and she ended up getting kicked out of school for poor grades. Now she owes the university a lot of money... [more inside]
posted by chickenandwine on Nov 22, 2015 - 11 answers

Disputing debt collection

How do I (a n00b) fight a collections agency holding debt I am not liable for? [more inside]
posted by rawralphadawg on Nov 4, 2015 - 3 answers

How to dispose of semi-large pile of money

We're about to come into a somewhat large sum of money. We've never really had money before, and we're not sure how to manage it. We've got a variety of debt, and a strong desire for a house. What to prioritize? [more inside]
posted by anonymous on Oct 31, 2015 - 41 answers

She has assets. I have debts. Can I shield her against me?

We are getting married. I want to protect her against my personal debts- IRS and old student loans. Are these loans transferable to a spouse? Leaving aside for now my financial management issues, is there anything (New York State) that will shield her?
posted by ebesan on Oct 19, 2015 - 8 answers

Getting divorced. Lawyer or mediation?

Getting divorced in Illinois. I still love my husband, but cannot remain married to him for many reasons, one of which being that I can no longer take care of him emotionally and financially without ruining my own life. My first instinct was to try to settle this using mediation or collaborative divorce (I don't even understand 100% what this is, honestly). Mostly because I feel enormously guilty for leaving, don't want to make it harder on him, and hope that we can still be a part of each other's lives. No kids, so custody isn't an issue. But there are some major financial issues, and some of the things he's said worry me. Sorry, this is kind of a long one. [more inside]
posted by anonymous on Sep 3, 2015 - 43 answers

Student loans: feeling the crunch. Suggestions?

I owe $40k in student loans. Not sure of the best way to proceed, so am reaching out for advice. More under the fold. [more inside]
posted by dubious_dude on Sep 1, 2015 - 23 answers

Transitioning to a new home during divorce.

My partner and I are breaking up after 20 years. Neither of us trusts the other’s judgement and dividing our only asset has become hugely problematic. We purchased our home 18 years ago as a fixer-upper in what has since become a very desirable location, so there’s a large amount of equity in it. I never gave proper thought about how we’d move on from it, meaning this is one of those “explain it to me like I’m five” inquiries. I’d like to have sensible questions to ask at our bank meeting tomorrow. We have a meeting next week with a therapist and have agreed to some kind of professional mediation in the future. The thing is… my partner demands that we extend our joint mortgage-backed line of credit to allow her to purchase (outright) a smaller place in the countryside. For 10 years, she’s only done part-time work for my home business, so she won’t have any income going forward (except for support payments). I doubt she could get bridge financing under her own name. I want to avoid being drawn deeper into debt with her. [more inside]
posted by anonymous on Aug 27, 2015 - 30 answers

Effective Personal Fundraising?

Which personal fundraising sites work best? [more inside]
posted by Thorzdad on Aug 21, 2015 - 6 answers

Should we use large portion of retirement savings to pay off mortgage?

The problem: We built a cob (monolithic adobe) house 15 years ago which we initially financed and refinanced. It is a one of a kind house and there are no other adobe homes in the area. Since the big mortgage debacle, underwriting guidelines have changed with regard to comparable homes and we cannot refinance our own home, nor could anyone else secure financing to purchase it. [more inside]
posted by lzw on Jul 24, 2015 - 18 answers

Help with Credit Report and a Collections Agency

I owed Verizon Wireless $38 and now it’s in collections. I need some help with how to handle this situation. [more inside]
posted by anonymous on Jul 11, 2015 - 3 answers

Millenial student loan debt, amirite?

Best strategy for paying down student loan debt for my *snowflake* situation. I don't want to bankrupt my future, but I also am not looking for taking risks like getting my hopes set on loan forgiveness. Specific details inside. [more inside]
posted by Zeratul on Jun 28, 2015 - 11 answers

Can debt chase you across European countries?

Don't get me wrong, I DO want to pay this debt, I just need to take care of some other things first. Say, if you have a smallish unpaid debt (2k euros back then, I don't want to think about how much it must be 9 years later) in Spain, and now you're starting new in Sweden, can this debt bite you in the ass before you've used your small savings to rent a house, buy groceries, etc. while you get a job that will help you pay said debt? Could your new Swedish bank account or other assets be frozen? [more inside]
posted by anonymous on Jun 26, 2015 - 2 answers

How can I support my sister when her problems are her secret?

My sister's e-mails reveal that her boyfriend is breaking up with her, hasn't paid any rent on the mortgage they got this year, and she might be pregnant. Externally everything is fine, I just want to know, when she does tell me, how can I help? [more inside]
posted by Noumenon on Jun 21, 2015 - 17 answers

Less money, mo' problems?

In the bigger picture, which masters program will I benefit from most? [more inside]
posted by mild deer on Jun 11, 2015 - 16 answers

How to money

I'm in my thirties and I just got my first 'grown-up' job. Now find me a book that teaches me grown-up finances. [more inside]
posted by anonymous on Jun 5, 2015 - 20 answers

Should I pay off all my debt in one fell swoop?

I have an emergency savings fund with at least 6 months of living expenses. It's almost exactly the same amount as my total debt (credit cards and student loans). I am really tempted to just get rid of it all in one fell swoop, but I'm not sure this is a good idea. I have a steady income and fairly predictable expenses (though anything could happen). No kids, spouse or house. [more inside]
posted by desjardins on Jun 2, 2015 - 35 answers

What do I need to know about future partial inheritance?

I may inherit 1/3 of a large parcel of property with a home on it valued at well over 1 million today (not including all its contents). What do I need to know about this possible future inheritance on this property which is not yet paid off? [more inside]
posted by anonymous on Jun 2, 2015 - 12 answers

Dealing with post-tenancy dramas

So I find myself in a bit of an awkward position with a former friend regarding a tenancy I arranged for them and having to consider what options to take. [more inside]
posted by panboi on May 26, 2015 - 13 answers

A Matter of Life and Debt (Collectors)

A while ago, I stopped paying off an old credit card from college - I couldn't afford the payments for a while. However, once things did look better for me financially, I had forgotten about the debt. I also moved, meaning I did not receive any letters that were sent. The balance is well under $500; I know the exact amount of this debt. I just got two phone calls from debt collectors and caved to one. Did I handle this situation correctly? [more inside]
posted by Ashen on May 13, 2015 - 7 answers

Resources to learn about Hong Kong's domestic & foreign sovereign debt

Where can a non-finance person go to learn about domestic and foreign sovereign debt in Hong Kong? [more inside]
posted by melancholyplay on Apr 8, 2015 - 3 answers

Fixing credit without screwing creditors?

Pretty much what it says in the title. I need to pay debt. I need to increase my credit score. How do I do both simultaneously? [more inside]
posted by The Almighty Mommy Goddess on Mar 30, 2015 - 15 answers

Is the budget red or black?

I've got the job. Now I have to navigate the paycheck/loans/benefits/retirement... Where do I start? [more inside]
posted by Chaussette Fantoche on Mar 28, 2015 - 10 answers

you ain't got no personal finance skills honey

How do I talk with my partner about his bad money management/poor credit in a productive way? [more inside]
posted by anonymous on Mar 14, 2015 - 21 answers

What are your experiences with GreenPath?

A friend of mine with credit card debt and debt to the IRS is considering using GreenPath's credit counseling services, but is understandably wary, fearing being preyed upon because of her debt situation. She asked me to research the company and see if it sounded at all like a scam to me. Everything I can find about the place looks on the up and up, but I'd appreciate if mefites who have used their services could share what happened and how they felt about it, so I can be certain in my recommendation to her.
posted by ocherdraco on Mar 10, 2015 - 5 answers

How to Balance Life & Debt?: dating, hobbies, money

My goal is to pay off my large student loan debt, do I need to put life on hold? [more inside]
posted by mannermode on Feb 10, 2015 - 16 answers

Runaway debt cycle. Please halp.

I've been carefully avoiding paying attention to our debt. Just added it up. Uh oh. [more inside]
posted by TomMelee on Feb 5, 2015 - 67 answers

Round 2: Disputing Bogus Apartment Damage Charges in Collections

So, this is a follow-up to this previous question. Looking for some tips for next steps. Long story short, after moving out of a DC apartment in May our corporate landlord billed us a totally bogus damages. Now they've sent it to collections and it's showing up on the credit report. How do I fight this and get it off my credit report for good? [more inside]
posted by forkisbetter on Jan 16, 2015 - 4 answers

Ongoing medical bills, no insurance, and location complications.

Young couple living out their dream came to an abrupt halt in October. He was diagnosed with a particularly aggressive form of melanoma. They had not signed up for Affordable health care insurance, since they were planning on traveling and working around the country. And hey, they are young and healthy, right?? [more inside]
posted by anonymous on Nov 16, 2014 - 11 answers

Local dealer owes us $20,000 but just closed this morning. What to do?

We are a well known bicycle brand, and one of our local dealers closed up shop over night with no notice to us or even their employees. They have over $20,000 in debt with us. What are our options? Our dealer owes us over $20,000 in debt for stock, with some invoices close to 4 months past due. [more inside]
posted by neillsom on Nov 11, 2014 - 19 answers

How to think about housing/debt

Should I refinance my mortgage, cash out equity to pay off debt. [more inside]
posted by Classic Diner on Nov 6, 2014 - 16 answers

Seeking resources re: decades-long student loan despair.

I currently pay one full week's pay each month, $600, toward my current student loan balance of $97,000+. Though I usually just pay it and try to move on, I know it will follow me to my death and if I can't be rid of it I hope some of you can provide some kind of advice or coping strategies. I have read through a fair number of related questions. [more inside]
posted by anonymous on Oct 30, 2014 - 19 answers

Should I pay off my car early so I don't need full coverage insurance?

Wondering if you could help with a risk-benefit analysis of lowering the amount of insurance on my car. I still owe money on it, but I could potentially pay it off and then save money on my insurance. BUT is the insurance good to have anyway? [more inside]
posted by bbqturtle on Oct 30, 2014 - 22 answers

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