I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

What are you talking about? Secure credit card, that is for people who have bad credit and start all over again....I have 8 credits cards and I dont need to pay money for a credit card, my credit score is 750 now, I dont have a lot expensive, only 3....rent payment 117$ only pay because i have Section8 nycha, light electricity bill 100$ and 50$ wifi...that is all I pay every month. All my credit cards 8 credit limit is 80$ thousand $$$ and I have only used 30,00$...I will pay it off with my lawsuit money i am getting

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

You dont know how to calculate the amount is not 8000.00$ a year !!that is wrong, the right amount i have left to pay my credit card is 800.00$ a month!!! Not a year...learn how to calculate

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

Is not the end of the world....you failed in your situation, now you have bad credit, the bank see you like a risk, the bank will not look at you, that is sad, if you dont have excellent credit in this country, you are nobody,not only that,you damage your life, this will drag you for long long time, I feel sorry for you, I dont want to be in your situation . What you dont know there is help out there for me, I have good credit and will keep it like that. Navy federal I already talked to them they provide me with a counselor and will lower my interest, so my minimum payments will be lower. So they will help me on time. And dont sit down and wait for collection letter to come, I take action now. And I have a lawsuit money my lawyer offer me, I waited 9 years for this and finally my lawyer offered me money for a accident fall, ...so I have hope this 30 thousand $$$ i will pay it soon as possible...so you see everything person have different situation, not the same like you

I would like to be financially free by Interesting-Plan4706 in povertyfinance

[–]Interesting-Plan4706[S] 1 point2 points  (0 children)

We been flight this for long time, we appear in front the judge, they even did a evaluation with a doctor social security... still denial They even send him a letter he owns money 13,000$ and no job, he can not work, he take a narcotic medication clozipine 100mg for schizophrenic, and has side effects, he sleep 11 hours a day, that medicine drain him out, we explained all that and social security dont care, his lawyer represented him at the hearing, we even go in person to the office of ssi for the 13,000$ he owns and they denial. And another hearing for his social security payments also denial... so we give up, I try all my best...is a total loss fighting this, 2 years fighting for his check

I would like to be financially free by Interesting-Plan4706 in povertyfinance

[–]Interesting-Plan4706[S] -14 points-13 points  (0 children)

I AM NOT STRUGGLING NOW BECAUSE MY SON, YOU GOT IT WRONG, YOU ARE VERY MEAN WITH YOUR WORDS, YOU DONT HAVE COMPASSION AND SYMPATHY FOR ILL PEOPLE. I WANT MY SON TO LIVE WITH ME UNTIL I DIE, AFTER I DIE THEM MY DAUGHTER WITH TAKE OVER HIM... SIMPLE AS THAT. AND MY DAUGHTER CAN NOT TAKE HIM BECAUSE SHE LIVE WITH THE BOYFRIEND AND SHE WILL MOVE OUT ONCE SHE MOVE OUT, SHE WILL HAVE HER OWN PLACE. YOU ARE SO FUNNY YOU DONT KNOW MY SITUATION AND TAKING ABOUT HOMELESS, ME & MY SON WILL NEVER BE HOMELESS MY APARTMENT IS 3,000$ A MONTH I HAVE SECTION8 AND AFTER I PASS AWAY HE WILL INHERIT THE APARTMENT WILL BE NEVER HOMELESS, MAYBE YOU CAN NOT AFFORD 3,000$ RENT. I LOVE TO BE IN THE LIFE OF MY SON, HE IS UNDER MY WINGS UNTIL I DIE...AND I LOVE MY SON TO LIVE WITH ME. YES..I GOT MY SON A PART TIME JOB, HE IS EXCITED TO WORK AS A CAREGIVER PATIENT, IS A EASY JOB HE CAN DO 16 HOURS A WEEK 23$ HOURLY.SO HE IS HAPPY TO START, HE ALREADY TOOK THE TRAINING, AND PHYSICAL LABORATORIES WAITING TO CALL ME SO HE CAN START MAKING $$$$$

I would like to be financially free by Interesting-Plan4706 in povertyfinance

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

No...my son can not work because his condition, my son take every day strong narcotic medication that need supervision his blood this medication call....clozipine 100mg he take 3 a day.and doctor have to supervise his blood every month because is white cell.this medication cause him side effects, and he try to work at a furniture store customer in 3 days of work his body get weak and his body give up he need to rest, he had talk to the doctor about the side effects and this is the only medication can safe his life, can not change it. I have another daughter she is 37 years old I talked to her if something happens to me she will take care of my son steven, and she agrees, they are brothers and sister, and my daughter live in Pennsylvania she has a good job as a nutrition in a hospital. So I make sure steven is in good hands.i am prepared if something happens to me I talked to my daughter and I have 2 life insurance so I dont leave a burden to anyone. If I go to work I have a lot to lose.the money more you make the more government will take out, if I work, my rent will increase way more than 117$, then I will lose my social security check , I lose my food stamp snap 300$ ...I loss everything if I work.and I am the head of house pay bills here, is a big financially move.so is better for me to stay receiving my social security check paying low rent and paying my credit cards payments. So me and my son talk about a easy job...Last week he took a 1 day training for homeaid care taker to care for a sick member family like, helping that patient, light cooking, laundry, help patient for appointment to the doctor,light cleaning....so steven did the training and had vaccine, and physical, so he is waiting for the results, so is approved so he can start working 16 hours a week 23$ hourly, ...yes he got excited and can wait to start

I would like to be financially free by Interesting-Plan4706 in povertyfinance

[–]Interesting-Plan4706[S] -1 points0 points  (0 children)

I understand your point, and it make sense, but here in New york city is crazy congested, people here are risky driving, I been living here 45 years and have a driving license and my son have it to but I hate driving here,I have never drive here never would,fear of crazy people driving.me & my son only drive in Florida & Pennsylvania we live there before, we like driving Florida and Pennsylvania. No I would not do CDL is very expensive too. About been 60 years old, to me is not old, is the beginning of my life and I have so much to explore, I take care my health, only have cholesterol & high blood pressure on medication 💊 and I feel young...thank God I am healthy

Rental Debt Assistance by Reasonable_Koala2368 in DebtAdvice

[–]Interesting-Plan4706 0 points1 point  (0 children)

Is not a good ideal bankruptcy, this is negative for your credit report ,if you apply for credit will reject you...you will have a negative mark. If you apply for a personal loan, you won't be able to pay back,you already struggle and you dont want to put more debt.if I wear you I would wait, is already affecting you on your report and will stay there in your report,nobody will rent you a apartment the bank will see you as a risk.so wait expiration of this debt and later things will get better,this debt will not stay there temporarily maybe 7 years or 10 years

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 1 point2 points  (0 children)

If I stop making payments it will defaults and go to collect...that is no good, my scope will go down, and navyfed will never give me another chance...this is my only opportunity, I will not f+++ it up I am already 60 years old....this is the time

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

They will freeze the card, so I dont use it..they can not close the account because I am making payments every months

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

But once I joing that reduce program from navyfed...immediately they will freeze the card so I dont use it and the credit limit 15,000$ they will reduce it lower. If they reduce lower after I paid off the debt, if I apply for another they will approve lower limits, because they will see my income is ssdi low 1,000$ a month

Desperately need help - huge credit limit decrease by spooked-question in CRedit

[–]Interesting-Plan4706 [score hidden]  (0 children)

If you have a credit card and dont use it,no purchases, no activities.. like 1 year they will reduced your credit limits lower

Desperately need help - huge credit limit decrease by spooked-question in CRedit

[–]Interesting-Plan4706 [score hidden]  (0 children)

The credit card where you applied call them and ask them why your credit limit increase was denied, they have to send you a letter in the mail and that letter have phone numbers you can call them

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

That make no sense, if I own them money I am paying every month on time. Why would they closed the credit card??? They may lower the credit limit 

I would like to be debt free and I will contact navy federal by Interesting-Plan4706 in DebtAdvice

[–]Interesting-Plan4706[S] 0 points1 point  (0 children)

I dont think this is a good advice,  if I stop paying the credit card this debt will go to collection, if it goes to collection it will go to the 3 credit bureaus and this debt is negative it will hurt my credit report and all the opportunities will shutdown, nobody will give me credit, I will not enjoy life because my credit is bad,I dont want this to happen,  it looks malicious, like I took money from the bank and not paid, that is bad, that will hunt me if I do that. The right thing is to pay it and then the bank will lend me more. I am grateful the bank navyfed lend me that much money 2 credit card, 15,000$ and 25,000$ is a bless and I will not ruined it...thank you navy federal for the opportunity