what should I offer the creditor?
604090
Its really hard to tell how much you can get anyway with paying. I use to do this kind of work. So it depends on how long you have owed them, was you credit good (always made payments on time) until this happened or it was a little rocky sometimes,then what kind of finance company was it ( automobile, private loan from a bank or credit card co, home buying) & has it gone into collections yet?? All these things sometimes makes a difference. But you can always make them an offer. Cause they have told you what the debit was, what they would settle for. So now I would make them an offer. Maybe start with whatever $ amount you can pay right now..then if that fails then offer a little more but it will take you a little bit longer to pay that $ amount. And just go from there. If all else fells, make 1 lump sum, & payments on the rest. BEST OF WISHES, I KNOW ITS HARD!!
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.
847807
get someone else to pay for them.
480309
Your local consumer credit counseling agency may be able to offer advice and possibly assistance.  \n\nI would try the one that is actually called CCCS rather than one that may advertise as credit counseling.  CCCS is non-profit and offers free advice.
798529
See if she ever offers to pay anything at least parking.  Also, never reveal to much about what you have.
520622
Yes I would say you have a very good chance.  BUT listen....if you want the best deal, the lower interest (and trust me, you DO) start working to correct any mistakes on your credit NOW. Order your reports and pay every thing on time.  This is the best gift you can give yourself.  It will pay off for a long time to come.  I recommend www.myfico.com (the Suze Orman package)She will teach you everything you need to know.
891579
I would say have a contract set up between you and the banks for them to pay to have their name and information on your page. Then if they should be able to help the person and gain business from them, then you could also state an additional percentage for giving them sure business.
797504
you will qualify for some thing, the interest rate might be high\n\nwhen the lender gives you the news, you have a right to review the credit report they pull (cannot take it with you) as you look it over ask him/her what you can do to get a better rate.  It might be as easy as wait a month and pay down a debt.\n\nif the lender cannot help you with ideas, get a new lender.  lenders are in the business to lend so a good one will help you however they can to make the deal work
732852
This is not what you need for success.  \n\nYou've already mentioned you're aware this "new guy" isn't proactive or responsive.  Why would you want to associate with someone who is a user and a taker?  Guaranteed, he will do the same to you.  \n\nYou don't anywhere mention how you would fund all this "traveling" and potential income.  I see alot of ifs and they don't make the mortgage payment.\n\nSit down and make a list - just a simple pro and con list of what you know.  Then make a similar list of what you don't know about this "offer".  \n\nListen to your instinct.
1163016
If you want to play games with your financial future, which is what you are proposing here, at minimum a course in math/ financial calculations could help.  A meeting with your banker could help you understand the current rates if any that they could offer to you for your proposed project, and what conditions would be imposed on such a loan.\n\nNo, it does not sound to me as if this is an advisable plan.  It seems that basic business knowledge is missing. This can cause severe problems for the plan.
786217
You should try contact your lender for payment options.  Or, find a lender that will buy your debt and offer a lower payment option
693356
Depending on whether u are in the uk or not, you have to owe at least one creditor £1500.  If you don't live in the uk, my apologies, I don't know lol.
954806
You call.  You say I'm interested in finding out if there is anything you can do about my current APR.  \n\nThat's it.\n\nIf they hem and haw, say you got an offer from another credit card company for 0% APR for the life of the transfer.  That usually gets them moving.  \n\nBear in mind though, that you should at least have been making minimum payments for some time.  They will work with just about anyone but the better you are in paying your bills, yet keeping a balance, they better off you will be.  They don't want you to take your money elsewhere, but they do want to be sure they are going to see some of it someday.
634525
Fold your hands and bow your head down.  there ya go.\nAnd see if you can get me approval on a line of credit while you're at it.
353371
get a written agreement,keep paying your portion,you may even have to pay all just to keep your credit good,then if she dont pay,sue her or chalk it up as a lesson learned
924525
Send a validation demand: \n\nhttp://www.expert-credit-advice.com/Letters/Letter17.htm
796697
Look for adds for roommates.  Someone else getting the lease will help with the credit problem.  Ask among your friends first.