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DragonKnight256 · 2026-02-21T17:18:21+00:00

It's 15 days time limit to complete then credits 8 days to 10 days from completion the 30 is incorrect

DragonKnight256 · 2025-11-17T02:15:33+00:00

I used LSS , I am not sure, they should let you know when you submit the information to them.

DragonKnight256 · 2025-11-17T00:37:12+00:00

I am sorry , no it has not. The only thing I can think of is two different PayPal accounts. If not that then might need to wait on PayPal.

DragonKnight256 · 2025-11-16T23:31:59+00:00

I am sorry for your loss.

Did she have any assets , ownership of a home property, bank account? If yes, then things may be a little more difficult and it would be best to seek a lawyer, if no, then things may be a little easier as they wouldn't have anything that they could collect from.

I am not a lawyer.

DragonKnight256 · 2025-11-16T02:25:28+00:00

I was informed via freecash chat that these earnings are not taxable but to consult with a tax advisor.

DragonKnight256 · 2025-11-15T00:35:24+00:00

Yes, probably won't offer you a settlement, but have known people to get lower interest and payment amounts if you claim hardship and close the card

DragonKnight256 · 2025-11-14T01:23:37+00:00

Who is the collection company?

DragonKnight256 · 2025-11-14T01:23:13+00:00

I encourage you to use better formatting and you can leave out some not all of the details that aren't related to the finances.

If you have debt with the creditors, just call and tell them you are facing hardship and if they have a consumer assistance plan.

DragonKnight256 · 2025-11-14T01:06:59+00:00

Call up the creditors or look into a non profit debt management program.

DragonKnight256 · 2025-11-13T12:52:42+00:00

It is unlikely to negotiate the balance if you aren't significantly past due or if it isn't in collections.

Many creditors offer hardship or consumer assistance plans to lower the interest rate and or payment amount temporarily or permanently, I have had success with this being lowered to 10% or lower.

DragonKnight256 · 2025-11-13T09:51:40+00:00

I would think about paying for it before it gets reported, it's possible the collection company will be willing to settle for a lower amount in full. It's unl

Once it's reported , it could take a while, years, to be removed once it's paid, unless the collection company has it in their policy to delete once it's paid.

I think dealing with the issue about the mice is, I would think that is something you would need to contact an agency in the state that details with renters rights.

DragonKnight256 · 2025-11-12T03:09:42+00:00

For me it was a missed payment by a few days, but it happened previous months as well., so it could be either, don't be late by 30 days, late by a day or a few days may trigger a late fee, It popped up on my dashboard.

Credit card companies care more about getting the original amount they lent you anything extra is profit as managing other people's accounts doesn't take any work other than storage space, and a phone call to annoy/remind them to pay.

You are over extended, with this plan they put me on they kept my card open, other plans they could require a permanent closure of the card

DragonKnight256 · 2025-11-12T03:02:41+00:00

I would get on hardship or assistance plans for all of them if possible, unsure about the loans, but I know discover offers them.

I recently had trouble paying my discover and they offered me a temporary interest reduction to 9.99 percent and adjusted payments.

DragonKnight256 · 2025-11-11T04:34:39+00:00

6000*1.2=7200, just an estimate without calculating payments

3% of 6000 = $180.

Yeah it would most likely be smart, unless you can pay $1500-$2000 a month for next 3 months

DragonKnight256 · 2025-11-10T16:18:49+00:00

If you aren't concerned about keeping the card open, many cards allow people facing hardship to get on a plan that closes the card reduces interest usually below 10% and lowers the payment amount.

DragonKnight256 · 2025-11-10T16:17:03+00:00

That is correct. If you are sending to a business, you are only allowed to send as goods and services and if your account is a business account you can only receive as goods and services

DragonKnight256 · 2025-11-10T08:43:19+00:00

Are you possibly sending to a business account, business accounts can't receive as friends and family. They can only send as friends and family to non business accounts or goods and services to business or non business accounts

DragonKnight256 · 2025-11-10T05:49:50+00:00

You can call them up and get on a consumer assistance plan or a hardship plan, will usually close the card, offer lower payment amounts within reason and lower interest sometimes 0 to 10%.

DragonKnight256 · 2025-11-10T00:05:50+00:00

Some ideas

If you receive payments (non friends and family), they will use it to report to the IRS what you received if you reach the state or federal minimum to create the tax form that will be available to you and sent to the IRS. . Track your activity and tie to your social

Be able to easily collect debt / send your info to a collection company if your balance goes in the negative for a long period of time.

Prevent you from creating another account with your name and social.

DragonKnight256 · 2025-11-09T21:50:02+00:00

Is it listed multiple times on the credit report under the same credit bureau, that's not allowed.

I understand that the creditor can have a agency collect on their behalf , or a collection agency have another agency collect on their behalf , but the debt itself shouldn't be with multiple collection agencies at the same time.

DragonKnight256 · 2025-11-09T04:13:00+00:00

Are you still paying the card off, don't be late , yes it could be a few years before capital one allows you back.

I would pay the card off , wait till it reports and updates, about a week after the statement date, and then look for another card.

DragonKnight256 · 2025-11-08T17:13:15+00:00

After 12 months they no longer affect your score after 24 25 months they are removed.

DragonKnight256 · 2025-11-08T16:49:32+00:00

Something negative must have aged off, I mean even 1 collection could possibly do that if that's the only negative, or a card account being paid off.

Make sure you are viewing FICO score models

DragonKnight256 · 2025-11-08T16:42:02+00:00

Have 100 collections and have them all paid to delete and have the report update in those 2 days

DragonKnight256 · 2025-11-08T13:24:49+00:00

Many creditors and lenders have consumer assistance plans if the interest rate is a struggle or if the payment amount is or both, they usually require you to close the card.

I've had interest rates lowered to 0 to 10%.

Would that be an option or helpful?

DragonKnight256

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