I am new to this blog and i would like some help if possible. First my finicial problem is very bad i just started to work and i just dont know where my check is going. My phone rings all day with collection agency calling and harresing me and my family till at least till 9:oo at night. I went to cccs to get on their debt managment program but i need to send $220.00 i am just lost about everything i need some help as to how to start digging myself out i was told about the money envelope system. Is there anyone that can give me some answer as to how to start with something simple and what to do with my paycheck starting theis week and how to stop the phone calls from the collection agency they have been baddddddddddddddddddddddddddddddd. I get paid every week these are just my personal credit card bills that got out of my control pleas help me set uo something basic and simple.
Don’t worry about sending them the money if you cannot afford to pay your basic necessities. Basic necessities come first. Food, Shelter, Utilities. Credit cards come last. I am going to give you the name of a person who specializes in this kind of mess and I have been there too, trust me, and he has really helped me out. Actually on a daily basis. Go to www.daveramsey.com. There is a ton of information on his website (although there is a membership fee for complete access — forums, other people facing debt and their successes, etc.) but you can start to listening to his program, which is live on the web every day or you can listen to the archives for free. He has been on CBS, etc. Very credible. He was once a millionaire, lost everything, found Christ, and rebuilt his wealth on sound Biblical principles. One thing that he does say is don’t go to consolidation services because they just charge you an outrageous percentage to supposedly consolidate your credit, but you
still have a big bill, and they don’t always do a good job with keeping up. I hope that this will help you.
Don’t send any money!
When a collection agency calls get their address and write them this letter:
Their name and addressed
CRRR # if you have
Re: Acct # if you have
To Whom It May Concern:
Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all phone calls to me, my relatives, my employer, my friends, and my neighbors.
If you need to contact me, I am hereby requesting that you do so only through the mail at:
(post office box address).
or home address
This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.
Please attach copies of:
Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
All billing information as to charges, dates, signed by.
I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
I also hereby reserve my right to take private civil action against you to recover damages.
I thank i have posted before but i need to know how to go about how to set up a very simple basic budget on a small weekly income of about or close to $200-300 a week. I don’t have a clue as being able to spend my money correctly i live from paycheck to paycheck and in a very ugly credit card debth among other things. My wallet is always empty and that should not be, I get my paycheck and the next day i borrowing money for lunch. My husband takes care of all the major monthly bills.
I have a car, misch bills, and i have credit cars, i need to be able just to keep a few dollars in my pocket from week to week and help out my husband as much as i can and also i am going to the grocery store just about everyday how do i budget all of theis i am tried of nickling and dimeing my self every week also as any-one ever treid the old fashion envelope system how dose that work. can some one please help me