last three year lot of finacial problem?
152984
And your question is?
214307
two or three years of residency then many student loan bills
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.
426612
if they owe you money you can take up to three years to file without penalities.  if you owe them there are penalities.
827769
You would be charged an over the limit fee every single month you were above 3K... I hope you can pay it off fast, otherwise you are going to pay alot of finance charges. I don't think they can "punish" you though... just charge you and maybe close your account to new purchases.
1009645
It's going to take a long time.  I would write all 3 credit reporting agencies and see what you can do.  If you need to buy something in the next 5-7 years you may have to rely on a friendly relative with good credit until you get it all paid off.
856793
I think they're looking for liens and tax problems.  I had TERRIBLE credit following a layoff and have never have any problems. Banks are a little different because they have to bond you, but I think you can relax.
147822
Hey, I've been following your line of questioning.  You seem to be in a tight situation.  I don't want to sound like I'm lecturing you but there are many great books out there to help you in your situation.  You might try Suze Orman, she is a guru on personal finance and getting some tips from her books will save you $loot$!  \nI was in your same situation, I went to school and got lots of debt trying to get my M.S. as well.  I even filed for bankruptcy.  Even when you do that it is not over.  I learned a big lesson on personal finance that way.  I now have a 728 credit score, I own 3 houses, one credit card with a $13000 limit (i never carry a balance over), I lease a $38000 car with no downpayment, and can get financed anywhere I want, if I had to.  Plus, that bankruptcy is still visible on my Credit report (it was almost 5 yrs ago).  Hopefully you will never have to do that. \nAll I'm saying is, stick with it.  Don't let other people tell you it's really bad where you are.  It is going to get better, it is just going to take some time.  If I were you, I would keep renting, especially if you have some debt you need to take care of. UNLESS you are going to get into income property, such as a duplex, that pays for itself b/c of the tenant's rent pymnt.  You are doing the right thing and getting the facts about how to overcome your current status.  \nYou really should call the company about your above question.  When lenders get the sheet on you, they look at the money you owe.  If you owe twice as much as you really owe it is going to look horrible.  One of my reports said I owed the Dept. of Education twice the amount of my school loan!  Can you imagine?  Over $80K!  That looked real bad.  It really doesn't matter if it is a duplicate, lenders only care about the amt. you owe against the amt. you earn.  \n\nGood luck friend!  If you ever have any questions or advice about personal finance I am willing to share with you what I did or read to do it, I really like to help people with finances.  I'm not a guru just a real person with a similar background.\nqumungis@yahoo.com
1036386
The best way is to get to know the company first!. What they do how they do. You need to understand it from A to Z. Then look at financial ratios like liquidity, trend on net income on teh p&L through past 3 years. If debt is increasing, find out what are they doig with loans and how is the  ROA, ROE, current assets to current liabilities should never has a decreasing trend on more than 3 years.
1047151
Try going to a local church for the help you need.  Those fast loan places are bad news.  Your financial problems will only increase.
14290
3 years, if you don't screw around.
467538
First, in cases OTHER than fraud, the IRS has three years from receipt of your return to question the return.  If you have no basis for reopening these old returns, DON'T.  You'll just create significant problems for yourself.\n\nFix the '03, and '04 returns, and ask the IRS to waive the penalties and interest when you pay the tax owed.  An accountant would be able to help you sort out your tax liability and help you negotiate with the IRS.\n\nGood luck.
863479
I am studying CAT & ACCA since 3 years but I get nothing except problems.
787989
There's still a few other options other than bankruptcy.  Here's a good website that may answer your questions:\n\nhttp://www.fixmymess.com
245722
Possibly the problem is security.  Have the security to make the loan possible.  The lender may not want to take a risk on you because of no stability, job time, time of residency, or credit issues.  Try to see about getting a co-signer or a guaranteeor to the loan.
605624
I have been married for just over 9 years, together for 11 and have 4 children. We faced similar trials recently, we lost our house almost the car and were behind on a lot of bills. Divorce was never an issue, it will not solve any of those problems and if you agree on everything than you agree on that also. Sometimes you just have to lose everything to see what is really important... your family and their well being. You can always rent, get extent ions on the bills if you ask for help. It has been just about 2 years since everything seemed to go wrong for us, financially, but we are stronger and more aware of our money, emotions and the important stuff that always seemed to get lost before. It does get better. Keep your head up and stick it out.
494398
First? Did you tell me everything? If your paying but still have arrears issues to resolve your okay.Have no fear go to DMV and find out.No ones going to arrest you for all the arrears but you need to start applying extra moneys to that in good faith ASAP.I had 38,000. in arrears for a long time until I cleaned them all up. The only thing that happened to me was the IRS would take my tax returns every year which was a good thing to catch up my arrears with that extra payment yearly. It made it shorter to handle in the end. So get over being mad at her and all file your taxes and pay a bit extra every month too..if the family court  calls you in... you made an effrot to pay her the arrears when you could.. in good faith.Which is better than most cases.