How can I pay off a huge sum of credit card debt without ruining my future??
You need to tackle this really methodically and without taking out more debt. Have a look at this for some sane, free advice http://www.quazen.com/Home/Personal-Finance/Managing-your-Debts,-a-common-sense-approach.525
by welsh_witch_sally - 18 hours ago
Ithink you are going to laid charges agianst your familey member and make that familey paid or go to jail for fraud mean it
by pattibcacl - 18 hours ago
I would no pay a dime on these cards and i would call the police. your 'family' has really crossed the line and overstepped teir boundaries. they need to lean responsibility. call the cops and file a report.
by love11 - 18 hours ago
personally if someone in my family was so stupid to ammass this kind of debt on my name I'd have no problm at reporting him/her as a fraudster but hey I wish I was able to forgive total ignorance like you seem to be able to do... anyway , check these out, see the FAQ on the first link down but really there's plenty of advice if you have time to read: http://credit-cards.ebookorama.com http://finance.ebookorama.com http://credit.ebookorama.com http://credit-repair.ebookorama.com good luck! if it helps please remember me cheers
by Waine - 18 hours ago
Seems like your "family" didn't think about you as "family" when they fraudulently applied for credit cards. Why do you feel you have to be nice to them when they certainly were not nice to you? Politely ask these people to give you significant money up front (sell a car, home line of credit, cash advances on their own credit card) so you can recover from your debt. Politely inform them that you may have to file with police reluctantly but that is the only way you can pay your bills. This "family" has screwed you over once, they'll do it again.
by Thundercat - 18 hours ago
I think that you should enter into some kind of payback agreement with the person who used your card without your permission. You're being very generous by not turning them in and assuming the debt they should be remorseful and do whatever they got to do to pay you back. This REALLY sucks for you because it will reflect poorly on you and come back to haunt you for the next 7 years minimum and it's not your fault. Call the credit card companies, show them that you want to and are willing to pay them back and ask them if you can work out a payment plan with them because you have very limited resources and are in school, if that doesn't work call one of those debt consolidation places, they charge a fee every month but with a debt that high you'll save money with the lowered interest rate and more favorable payment schedule. Good luck with that though and try to get as much back from the culprit, this may be a situation where you can get thier parents involved and see if they'll help you with the payments if the offending relative doesn't.
by Lianne - 18 hours ago
consolidate your debts: Online Debt Consolidation http://www.complete-debt-info.com/category/Online-Debt-Consolidation.html
by hen d - 18 hours ago
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