where I go for clear my debts of 5000$?
544475
MY DEAR MAN HOW COME YOU HAVE MANAGED TO BECOME A DEBT-ER TO THE TUNE OF 5000$. IT IS REALLY A PITY TO HEAR THIS, UP TO THE AGE OF 53 YOU HAD MANAGED TO GET ONLY 5000 $ VERY POOR.\nNOW PEOPLE THREATENING YOU, MEANS THAT YOU HAVE TAKEN A HAND LOAN FROM WHOM SO EVER GIVING YOU, NATURALLY THE HARD EARNED MONEY MADE BY OTHERS ARE WASTED LIKE ANYTHING BY SOLES OF YOUR TYPE AND HOW DARE YOU ARE TO ACCUSE OTHERS IN TURN. I DO NOT KNOW WHAT LAW APPLIES IN YOUR PLACE TO COME OUT OF THAT.\nIN MY OPINION  YOU HAVE TO SURRENDER TO THE LAW AND TAKE PROTECTION. SECONDLY SELL ALL YOUR BELONGING AND REPAY AT-LEAST THE PRINCIPLE AMOUNT TO THAT PEOPLE FROM WHOM YOU HAVE TAKEN THIS MONEY.HEVE SOME UNDER STASNDING WITH THEM TO REPAY THIS AMOUNT OTHERWISE YOU HAVE TO MEET THE COSEQUENCES. NO ONE WILL COME FOR YOUR RESCUE EXCEPT ALLAH IN WHOM YOU BELIEVE. WISH YOU GOOD LUCK
1173074
call them all and set up payment plans\n\nor talk with a credit counseling/debt consolidation company\n\nbest of luck
465727
First, you need to obtain all three of your credit reports from Equifax, Ecperian, and Trans Union. There is a fourth, somewhat smaller bureau called Innovis (Minneapolis, Minnesota). It would do good to ask for a report from them as well. Set a goal as to the time frame you want to "clear" your credit. Judging from your credit reports, assess which negative reports will be "falling off"(7-10 years, depending on the case), and which ones you need to pay. Before you pay anything, try to do what is called a "debt validation", . This is when you can write letters to creditors requesting proof of what you owe. If they can prove you owe it, then write certified letters to the company(s), and negotiate how much you will actually pay. If not, then request via certified mail that they remove negative listings from your credit report. DO NOT CALL THEM, and if they call you, simply say "no comment", and hang up the phone. MAKE SURE you get any promises in writing, including the promise that they will promptly report to all 3 credit bureaus that you have satisfied your debts. Budget yourself. Save whatever you can, and pay off debt in lump sums. This is a long process, so be patient. It is well worth your time. I have said this time and time again, but this is a great website. It helped me greatly when I was getting my credit together: www.creditinfocenter.com    This site also has some templates for the letter I was just talking about. This stuff works, and you will be using the same steps all these debt consolidation companies use, and get results. The only difference is is that you will be saving yourself some money.
888616
You don't mention what country you are in now.\n\nUnless this $10k is to one debtor, it's not likely they will pursue you for the money.  It does not follow you to your new credit report.  \n\nContact the collection agencies and explain all of this to them. (don't tell them where you are!).  Make your offer to them to begin paying in 6 months, but in return they MUST make sure this does not appear on your U.S. Credit reports.  \n\nIf they won't work with you, then don't pay them.  They are going to have a very difficult time suing you in a different country, let alone locating you!
391715
Talk seriously with the company or loan agent.  Lay down your cards.  They will be happy to know that your are sincere and willing to pay under reconstruction basis.  It pays to be honest and pay your debts.  Most people I know are not responsible enough.  I am proud of you.  Goooooooooo. Boy.  They'll understand you.  Trust me.
112888
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
1038150
Contact the Consumer credit counselling service who will work with you to create a debt management plan and they will take over all contact from your creditors,and collect a managable small payment and distribute it amongst your creditors...NB The Consumer Credit Counselling Service is a charitable organisation so will not charge you for their services
1116198
If you owe more than what you can comfortably afford to pay out than you have a few alternatives.  One (which I do not recommend) is bankruptcy.  Two a part-time job.  Three credit helpers (which I also do not recommend).  Four call your creditors and explain your situation ask them if they have a hardship program and what do you need to do to get enrolled in it.  Than look at your smallest balance and sacrifice to pay it off as quickly as possible.  This will mean the money you used to spend on that bill can go to someone else.  if you keep doing this you will be surprised how quick you can get out of debt.  Think about what is your ultimate goal her and than go from there.  Make sure that whatever got you into this trouble in the first place is something you have conquered.  The last thing you want to do is struggle to get out of debt and find yourself right back in it because you haven't learned anything.
730984
In short, they'll hassle you forever and make your life hell until you will want to pay your debt if only  to regain some sort of peace back in your life. \nBy using services from a debt relief organization you will stop receiving phone calls asking you for money. You will pay a fixed rate amount every month which will never go up. You won't be dealing with your creditors any more. The "debt relief people"  will be paying your bills for you, and your credit card company is out.\nYou then pay the debt relief company.\nlots more here:\nhttp://credit-cards.ebookorama.com\nhttp://finance.ebookorama.com \nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com\ngood luck!
332888
There are hundreds but they all charge outrageous interest rates and up front fees which just perpetuate the debt cycle.\n\nBetter to go and look up a debt councilor - usually a free service in your local area.
397553
Assuming your balance was $1000, and your credit card rate was 21.9% (Fairly Standard over here), your balance after 5 years would look something like this:\n\n\nEnd of---Balance---Int charged\nMonth 1---1018.25---18.25\nMonth 2---1036.83---18.58\nMonth 3---1055.76---18.92\nMonth 4---1075.02---19.27\nMonth 5---1094.64---19.62\nMonth 6---1114.62---19.98\nMonth 7---1134.96---20.34\nMonth 8---1155.67---20.71\nMonth 9---1176.77---21.09\nMonth 10---1198.24---21.48\nMonth 11---1220.11---21.87\nMonth 12---1242.38---22.27\nMonth 13---1265.05---22.67\nMonth 14---1288.14---23.09\nMonth 15---1311.64---23.51\nMonth 16---1335.58---23.94\nMonth 17---1359.96---24.37\nMonth 18---1384.78---24.82\nMonth 19---1410.05---25.27\nMonth 20---1435.78---25.73\nMonth 21---1461.98---26.20\nMonth 22---1488.67---26.68\nMonth 23---1515.83---27.17\nMonth 24---1543.50---27.66\nMonth 25---1571.67---28.17\nMonth 26---1600.35---28.68\nMonth 27---1629.56---29.21\nMonth 28---1659.30---29.74\nMonth 29---1689.58---30.28\nMonth 30---1720.41---30.83\nMonth 31---1751.81---31.40\nMonth 32---1783.78---31.97\nMonth 33---1816.33---32.55\nMonth 34---1849.48---33.15\nMonth 35---1883.24---33.75\nMonth 36---1917.60---34.37\nMonth 37---1952.60---35.00\nMonth 38---1988.24---35.63\nMonth 39---2024.52---36.29\nMonth 40---2061.47---36.95\nMonth 41---2099.09---37.62\nMonth 42---2137.40---38.31\nMonth 43---2176.41---39.01\nMonth 44---2216.13---39.72\nMonth 45---2256.57---40.44\nMonth 46---2297.75---41.18\nMonth 47---2339.69---41.93\nMonth 48---2382.39---42.70\nMonth 49---2425.86---43.48\nMonth 50---2470.14---44.27\nMonth 51---2515.22---45.08\nMonth 52---2561.12---45.90\nMonth 53---2607.86---46.74\nMonth 54---2655.45---47.59\nMonth 55---2703.91---48.46\nMonth 56---2753.26---49.35\nMonth 57---2803.51---50.25\nMonth 58---2854.67---51.16\nMonth 59---2906.77---52.10\nMonth 60---2959.82---53.05\n\nOn top of that, depending on your bank, you would also incur late payment fees, default fees, and a bad credit rating!\n\nMoral of the story - pay it back as soon as you can   - the banks are filthy rich as it is, they don't need any more of your money!
573737
I can go to Canada and pay everybody off.\n\nYou have to ask a Canadian Lawyer if you can be arrested in Canada for unpaid debts.\n\nIf the bank finds out you run away to another country you could be flagged as an International Criminal and you could be arrested by Interpol anywhere in the World. \n\n$40,000.00 is not too much money and I strongly suggest you to pay off all your debts.\n\nYou may have to sell a few things and you may have to get a second job but you can pay that money in a year or two and sleep well the rest of your life.\n\nTop 3 Answerer in Business & Finance. (Vote for me)
133927
Snowball technique:\n\n1. Look at all old debts. Rank them from easiest to hardest to pay off based on total owed, minimum payment due, and (tiebreaker) highest interest rates.\n\n2. While making minimum payments to all other debts, pay this one, PLUS as much extra as you can swing- AT LEAST an extra 10%, but the more the better!\n\n3. As soon as this one is paid off, apply all of the payments you WERE making on it to the next debt in line, WHILE still paying the amount on it you were. By this time, you should be paying about twice the minimum so this one will go faster.\n\n4. Repeat for each other debt- the monthly payment will be getting bigger and bigger, paying it off faster and faster.\n\n5. Throw whatever 'windfalls' you can at this also- tax returns, bonuses, etc.\n\nThey say the snowball will get you debt free in the quickest amount of time- even faster than consolidation loans, etc. One nice thing about it is that YOU are in control of it. If you HAVE to hold back some of the extra money once, no big deal.\n\nPS- this is the technique that a lot of 'get out of debt quick, send money for info' schemes tell you to do.
1137400
from one credit to junkie to what may be another, save yourself! cut up your cards, all but one. if you make minimum payments, a 5000 card turns into a 30 year, almost 25000 debt, a huge profit for the card company. Please don't get more! \nIf you really need more credit, there are numerous places to apply on the Internet. just answer a few surveys and then you get a few free gifts as well as an application. Best of luck to you.
957825
I would check you credit report at annualcreditreport.com it free and it could save you a big head ache down the road
351360
Below is a quote from a company called 1st Locate. The link to their website and their ph number is posted also. If they cant help you, chances are they will be able to tell you who can. I have worked with them in the past and they are worth the small fee. Good luck! \n\n"1st Locate  are one of the largest people locator's or trace collect debt recovery agencies in the U.K. and Europe.   UK TEL: 0113-297 7500"
511174
Don't be scared. The worst option for them is that you declare bankruptcy - then they'll have difficulty getting their money back.\n\nAlternatively, get a local debt advice company to approach them on your behalf, and they'll come to an arrangement - you might end up only paying off half or a thirdof what you owe.\n\nBut seriously, get in contact with your creditors. They'd rather see some return on their investment in the long run. What country do you live in? Depends also on local debt laws.