I have a visa debit card with $0.31 left, what should I do with it?

I have an all-access gift card, www.allaccessgiftcard.com, you can check the balance there.

The credit card number is 4007 6654 1308 8787

The Exp.Date: 03/09

The CVV Number: 177

Balance: $0.31

Non-rechargeable

P.S. I don%26#039;t care if someone steals this gift card number ... lol

I have a visa debit card with $0.31 left, what should I do with it?

With a new record high gas price average of $3.52, you could buy... .088 gallons of gas.

Ugh... that sucks!

I have a visa debit card with $0.31 left, what should I do with it?

wow talk about not smart at all!!

I have a visa debit card with $0.31 left, what should I do with it?

buy 3 peices of boozuka gum =D and read the comics

I have a visa debit card with $0.31 left, what should I do with it?

Let it expire. Here in California...there is a law passed that if a gift card has 10 or less, the customer can receive cash for the amount. Tho, don%26#039;t know how it would work with visa gift cards.

I have a visa debit card with $0.31 left, what should I do with it?

Could buy something for over a dollar at Burger King and just pay the difference.

I have a visa debit card with $0.31 left, what should I do with it?

Use it to create US iTunes accounts :D

I have a visa debit card with $0.31 left, what should I do with it?

You should have not given out your credit card number. Put a freeze on your credit card right away. I usually charge something and then pay the full amount when the next bills comes.

Item disputed and not removed (but should have been)?

Recently I disputed a medical bill from 2004 that was in collections and of course listed as such on my credit report. There was no reason for it to have gone to collections as I had insurance that should have cover 100% of the bill (I had not heard anything so I assumed it had).

I gave the collection agency a call and explained the situation to them they said to send them a copy of the insurance info and they%26#039;d take care of it so I did.

On 02/26/08 I call to see if they received it, I was told that yes they had received it and that the account had been returned to the client and I no longer had an account with the collection agency. Which of course is a good thing.

However, today I check my exerian report to see if the dispute had been removed. It had not been removed but the item had been updated. It said something like this item was verifed on Feb 2008 listing is scheduled to continue untilll Feb 2011.

Item disputed and not removed (but should have been)?

Crazy is right...the other responders need to read your question more carefully.

The collection agency is the people who posted this to your report. If they say it has been returned, then it MUST come off your credit report.

Try to get a letter from the collector saying they no longer have your debt. Either way, file a dispute with the credit bureau and tell them this debt was not validated and it must be deleted.

Item disputed and not removed (but should have been)?

First of all- did you dispute with all 3 bureaus? You should. Second- if your insurance didn%26#039;t pay it then you owe it- so it won%26#039;t come off but will be updated. You should have gotten an E.O.B. (Explanation of Benefits) from insurance company after medical procedure which tells you what was paid. If you didn%26#039;t get that then you should have received numerous bills from the doctro/hospital before they turn it to collections. Now you are hoping that insurance will go back 4 years on a claim. Good luck- depending on policy they don%26#039;t have to - and most won%26#039;t.

Item disputed and not removed (but should have been)?

I say be proactive, contact the insurance company yourself to see if the bill had been paid by them. They should be able to provide you evidence of when the medical claim was submitted to them and when they paid it off. Provide this to the creditor, they will double check with the insurance co and remove the error, which can take up to 30 days to remove. Also, provide this directly to the credit bureaus and dispute with them.

Item disputed and not removed (but should have been)?

Are you saying that the collection agency sent the account back to the medical company? If so they have given up their right to collect the debt and they can not make that listing on your report.

Call back and verify that this is what happened, and if so get them to fax a letter stating as such. Once you have that letter, make a copy of it and send it to the credit bureaus along with your own letter explaining the situation.

That should be sufficent to solve the problem.

Me and my dad and step mom arent talking.. ? :(?

My dad, step mom and I arent talking right now.. They just dumped all my school bills on me and my medical bills that he promised he would pay if I moved in with him a few years back (not the only reason I moved in those were just promises made), just because I got my first ticket and he didnt feel like paying the med/school anymore, I took care of the ticket.. when he already knew I am in debt on my own and trying to live on my own paying rent, insu etc. They actually stopped paying them in Jan w/out telling me and now they are in collections when my credit before was almost PERFECT now its down hella and I am pissed. I havent talked to them in couple weeks now and am feeling torn. I miss my dad but am so mad at him for what he did.. Am I right for being so mad and not talking to him or should I tear down my wall and talk to them???

Me and my dad and step mom arent talking.. ? :(?

If someone did me dirty like that, I would never speak to that person again.

Me and my dad and step mom arent talking.. ? :(?

Talk to them, there is a reason behind this, you need to find out, and life is too short to waste wondering

Me and my dad and step mom arent talking.. ? :(?

what you should do is mend that fence. the longer you act the fool the worse things are going to get.

personally, i think there is more to this story and that%26#039;s why they have cut you off at the knees!!!

Me and my dad and step mom arent talking.. ? :(?

Go talk to them. That agreement to pay all of your school expenses is probably more than they thought it would be for Med School. Ask if they can help you financially and then go get a school loan....that is what 90% of the rest of the world has to do if they don%26#039;t have rich parents. See if you can qualify for some grants or something. Does your Stepmother have a job? If so, I think it is unfair of you to expect her to work and hand over her paycheck for your school expenses. Think about it and fix the situation. Start out by telling them you are sorry.

Me and my dad and step mom arent talking.. ? :(?

Tear down the wall and start talking honey. At least ask why they did that without telling you. I would hate to see a family fall apart if it was a reason beyond their control. Maybe they couldn%26#039;t afford it, maybe something happened they were ashamed to discuss. The country is in financial ruins right now, it%26#039;s not fair for you to think they are going to continue paying your way. You chose med school, you knew what kind of debt that means, you also know what rewards come later after the school bills are gone. If anything, contact the financial aid office and have your school loans post-poned until you complete school, then take on the payments yourself. Don%26#039;t let money divide your family...it%26#039;s not worth it.

Trying to help an 18 yr old.?

He has over $1200 in CC debt and a low paying job. Also he has over $7000 medical debt on his credit report. The medical expense happened when he was still home before his dad kicked him out. He did not even know about the med expense... thought his dad had taken care of it. Dad will not help him... how can I?

By the way both of the above items have gone to a collection agency.

Trying to help an 18 yr old.?

i would suggest helping him MAKE money, if he cant pay the gov back, wat makes you think he%26#039;ll pay you back if you lend him money

Trying to help an 18 yr old.?

If the medical expenses were incurred before he turned 18 he is not legally responsible for them .... if they were then he is ....

Making payments on both is really all that he can do.

Trying to help an 18 yr old.?

Try to consolidate you dept with one low payment

Trying to help an 18 yr old.?

Sunshine is right, he is not liable for any debts incurred before he was 18.

As for the CC debt, if it is still with the credit card company he can call and see if they have any payment plans available.

Trying to help an 18 yr old.?

Hi,

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It is illegal for a bank to give one a loan when the monthly payment is more than 90% of the income?

I am handicapped and a senior widow living on Social Security and I have been the victim of identity theft by a former in home care provider and now I cannot make the monthly mortage payment and when I called Adutl Protective Services to see what they had to say the reply was well when you are out on the streets just remember we all have to go one time as as another and the party hung up.

So I am not sure as to what is going to happen to me I feel like I am going to have a major heart attack and if so I hope it is fatal as this stress is getting to me.

This one says my credit score is too low this one says my income is too little and yet another one tells me I do not have enough equity in my home.

ANY suggestions would be greatly apprecaited.

Thank You

It is illegal for a bank to give one a loan when the monthly payment is more than 90% of the income?

Get the police to catch the person that did the identity theft to you.

It is illegal for a bank to give one a loan when the monthly payment is more than 90% of the income?

I really do not have any suggestions, but hang in there. Things get worse before they get better. Good luck, hopefully you get everything squared away. Just stay positive although that may seem impossible. Sorry I%26#039;m not really helpful :)

It is illegal for a bank to give one a loan when the monthly payment is more than 90% of the income?

Talk to your bank about a reverse mortgage. That may be the answer to getting you some money and getting the mortgage payment out of the way.

If you don%26#039;t plan to leave your house to relatives, that may be the way to go.

It is illegal for a bank to give one a loan when the monthly payment is more than 90% of the income?

Sue the home care provider and the company that sent her.

It is illegal for a bank to give one a loan when the monthly payment is more than 90% of the income?

Most states have an on-line Q%26amp;A and complaint form for the States Attorney General. If you file a complaint with the Attorney General and you can prove that you have an Identity Theft problem you can have any claims frozen until it can be proven that they are legal claims. If you can%26#039;t afford a lawyer, there are free legal clinics in most big cities that help people in trouble. I would first start with the Attorney General of your state and see if you can get you problem resolved there. Good Luck

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

Is a $13/hour job good enough for me to move into my own apartment ( around $700/month ) ? ?

I have carpayments $425 , and I have Insurance payments ( which my mom will take care for next 6 months ) . I dn%26#039;t live with my family anymore.

I can stay with my uncle for 2 more months , which can help me save up enough money to move out , what do you think ?

I have 3 credit cards which are on automatic payment ( $50/month ) and One student loan $50

So it comes out to be around 200 ( for all the payments ) + 425 ( Car ) = 625 ..

Now the rent will be 800 , so The total will be around $1,425.

Even if I get a job with $13/hour .It%26#039;ll only give me 1680 dollars

If it%26#039;s a $420 paycheck . Which I doubt ( AFter the taxes and everything )

Now this 1680 - 1,425 = leaves me with $255 . Is this enough money for me to live on for the month .

I need someone%26#039;s opinion who has gone through this situation and knows what%26#039;s best for me .What do you think?

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

no i dont think so. other costs will arise....u might need to find a cheaper apartment or get a higher paying job.

255 for month....hmmm lets see that will barely get you food. do you need the car?

also student loan, maybe you can renegotiate this to paying it later?

im not sure, but good luck, you%26#039;ll need a higher paying job tho.

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

what about food, power, and water? i dont think you%26#039;ll make it.

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

Yes, but you may want to consider a roommate/housemate as you will be broke. Also start a budget. anything is possible. good luck!

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

Wait for a few more months and build your cashflow. You haven%26#039;t really accounted for taxes so it%26#039;s not even $250 left each month.

Consider an apartment share for now. That way you%26#039;re only spending $350/ month.

Open a savings account and get automatic deductions $50-$100 into your savings account each month. Continue paying your bills on time.

Then in another year, consider getting a house Lease with the option to buy for $700 per month. That way, when you spend the money - you will eventually have something to show for it.

You are very likely to succeed since you are planning in advance. That%26#039;s something most people forget to do.

Also, read the book The AUTOMATIC MILLIONAIRE by David Bach.

Good luck.

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

I would suggest getting a cheaper car 425 a month and only making 12 to 13 an hour. You can definately afford your own place just have to budget, i did it during college. Find a place to donate plasma and thats another 200 bucks a month in your pocket, cut back on eating out and the bar , stock up on mac and cheese, ramen noodles and natural ice.

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

It should be, unless you have bad spending habits !

Is a $12-$13 /hour job good enough to move into a $700-$800/month apartment?

I think you need a room mate, and to get rid of that expensive car of yours. Actually what you have is a career crisis you need a better job and of course you need to live on less than you make.

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

At 17 (24 now), I met a guy 4 years older then me and we moved in together 1 month after meeting eachother. It was hell. He had a gambling problem, racked up my credit cards $7000 and never worked. I basically supported him. 3 years later, I finally moved back to my Mom%26#039;s and finished high school. At 20, I met a guy 7 years older then me who was divorced and had full custody of his kids. He was a great guy and takes really good care of his kids. 4 years later, I still wasn%26#039;t ready to take on kids as commitment and he kind of treated me like a sex object although I know he truly did/does love me (trust me, I know, he was just a perve) While on facebook, I recenly reconnected with this guy from elementry and we met for coffee and have been hanging out. He%26#039;s an RN, hasn%26#039;t tried anything but we kissed. We%26#039;re going on our first actual date this weekend. I think I love him. It%26#039;s been 2 months since my last. Do you think it%26#039;s too soon?

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

Tramp. =]

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

it doesn%26#039;t matter as long as the feelings u have for this new guy are true. i will admit it%26#039;s too soon falling out and back in love but it%26#039;s the feelings that count.

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

There%26#039;s no time limit on love. You can%26#039;t plan it or hold it back. So if it happens it happens. You cant schedule it. Are you in love with him or in love with the idea of being with someone. Might be you%26#039;re afraid of being single.

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

No I think you are feeling things because of the connection from before and any one who is a RN has a tendency to care for people

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

hi there. no i don%26#039;t thnk it%26#039;s too soon but take things slowly learn about each other, become friends and take it from there, most of us have thought we were in love and find that we were not but i remember being told that love finds us when we least expect it to , it did for me and i am still happily married. so good luck and i hope everything works out for you.

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

Here comes the psycho babble...

It sounds like you have a dependency on men. At 17 you moved in with a guy you only knew for a month. I%26#039;m sure right from the beginning there were signs but you were young. You stayed in that relationship for 3 years. You could have gotten out much earlier but you liked having a man there. From the math, you met guy #2 within a short time of moving home and finishing school. Then after 4 years (you can figure someone out within a year or two at the most) you break up with him because of his kids and the sex slave problem. So here you are 2 months later and think you are in love with this guy.

You really need to evaluate why you love him. What is it about him? Is it that he treats you nice? Is it that he is unlike the others? Seriously, sit down and think about it. I would try and take your time with him. If you haven%26#039;t moved out of your mother%26#039;s house, do it. Be independent for a while. See what makes you happy. You can never make someone else happy unless you are happy with yourself.

You should seek some counseling to find out why it is you attach yourself to men so easily.

Can I really be in love again so soon afterwards? Please read the whole Q before answering?

oh...i think u have so many boyfriends...lol.....

but...yes...it%26#039;s too soon.!!