There are rules that collection agents and bill collectors have to follow. For instance, according to the Fair Debt Collection Practices Act, creditors cannot harass, use obscene language, use the phone to annoy someone, or call during unreasonable times, which are generally before 8 in the morning or after 9 at night. Sometimes however, regardless [...]
Category Archives: Paying Bills and Collections
Which Credit Cards to Pay and Which Cards to Hunt Down and Kill
I finally made a spreadsheet of my credit cards and included the balances, minimum monthly payments and interest rates to help determine which ones need to be paid and which ones actually need to be attacked. Aggressively. I have read in a few places to pay the ones with the high interest rates as soon [...]
Also posted in Bankruptcy, Credit Card Snowball Method, Credit Cards and Bills, Credit Repair, Financial Goals | Tagged Bankruptcy, Best Buy, Capital One, credit cards, Orbitz | 1 Comment
Is Miss Bankrupt Still Bankrupt?
I thought I’d post a small update on how things are going since I haven’t in a while. I’ve been focusing more on helpful things than my personal issues but I wanted to at least share some information on topics that I’ve covered in the past. 1. Chase Bank Yes, I hated Chase Bank. Yes, [...]
Also posted in Bankruptcy, Credit Cards and Bills, Credit Repair, Financial Goals, medical bills, Savings | 4 Comments
Chase Bank Reage Program and Moving Forward
I’m sure you’re familiar with it. If you aren’t, you’re not only lucky but very smart. It’s that pre-heart attack feeling when you pull the mail from the mailbox and you find an envelope one page of paper thin, with a return address that says something like “Cardmember Service”. You know it isn’t a statement [...]
Also posted in Credit Cards and Bills, Credit Reports, medical bills | Tagged Chase Bank, collections, credit report, Reage Program | 3 Comments
Credit Update and I See a Light
I finally decided to pull my credit reports again after being afraid to look for more than a year. I used to pull my reports annually, but since I started becoming swamped with medical bills and credit card payments, I developed a kind of paranoia and fear about the state of my credit. A big, [...]
Also posted in Credit Card Snowball Method, Credit Cards and Bills, Credit Reports, Financial Goals, Uncategorized | Tagged Credit Reports, credit update | 3 Comments
Breaking Up With Dish Network
Well, I finally did it. I no longer have any kind of cable or television service and surprisingly, I’m not having any kind of withdrawal symptoms (and neither is my daughter). If you remember, I posted a while back about My Deadbeat Television, meaning the expense that wasn’t pitching in around the house. We still [...]
Updates on Medical Bills and Getting them Organized
I took some time out to call all of the medical bills that I’m paying to make sure nothing’s behind or late. I think I have everything with the special discount programs at the hospital down as low as possible and the monthly payments on all total are pretty reasonable. My biggest problem, of course [...]
Making Up With Chase Bank
Dear Chase Bank: I know things haven’t been right with us, especially after I wrote the blog post claiming I was being raped by credit card. Our relationship has resembled a crappy high school relationship in a lot of ways. You don’t like listening so I doubt you’ll get it. Well, after a long, more [...]
How to Deal With Collection Agents from Hell
My friend sent me a text the other day that a collection agent almost scared her into emptying out her savings account to pay a bill. She is young(er) and the mother of an 8 month old baby and she only has this one particular bill in collections. I’m embarrassed to admit that I can [...]
How to Save on the Phone Bill
I cancelled my land line a long time ago in order to save money and rely on my cell phone for all phone calls. It occurred to me, while sitting on the phone for 40 minutes with AT&T, my cell phone service provider, that if you’re not careful, a cell phone can cost you more [...]
Also posted in Budget Cuts, Operation WITHIMMG | Tagged AT&T, cell phone bill, cell phone minutes, save on minutes, texting | Leave a comment