l********a
发帖数: 126 | 1 比如说我现在有1万块钱的credit card balance，但是出现经济困难，有没有可能跟银
行谈个deal，一次性付2千块钱把这个欠账给settle了？
假设我不用考虑settlement给我的credit score的影响。 |
a*****n
发帖数: 5158 | 2 你干催问能不能跟银行谈个deal,给你一笔钱呢
【在 l********a 的大作中提到】
: 比如说我现在有1万块钱的credit card balance，但是出现经济困难，有没有可能跟银
: 行谈个deal，一次性付2千块钱把这个欠账给settle了？
: 假设我不用考虑settlement给我的credit score的影响。
|
hs
发帖数: 1549 | 3 ka zong, Credit Card Debt Settlement is different...
http://beginnersinvest.about.com/od/creditcarddebt/a/negotiate-
【在 a*****n 的大作中提到】
: 你干催问能不能跟银行谈个deal,给你一笔钱呢
|
l********a
发帖数: 126 | 4 ###此帖已应当事人要求删除###
【在 a*****n 的大作中提到】
: 你干催问能不能跟银行谈个deal,给你一笔钱呢
|
l********a
发帖数: 126 | 5 对，说的就是这种program。但是想问问有没有人操作过？
【在 hs 的大作中提到】
: ka zong, Credit Card Debt Settlement is different...
: http://beginnersinvest.about.com/od/creditcarddebt/a/negotiate-
|
l********a
发帖数: 126 | 6 具体来说就是下面这个过程。有人干过吗？
还是说这个版上都是找credit card deal的?
那么这个问题到哪个版问比较好？
If you declare bankruptcy, it is possible that the entire credit balance
will be wiped out because credit card debt is known as unsecured in most all
cases. That means that it isn’t backed by any specific collateral, just
your promise to repay. (A mortgage on your home, in contrast, is secured by
the real estate and failure to pay can cause the bank to seize the asset to
recover some of, if not all of, the loan balance.) This would be the worst-
case scenario for the credit card company.
If you have missed several payments already and your credit score has been
hit, all it takes is a series of phone calls to the company explaining that
you are seriously considering bankruptcy but you want to avoid that. You
want to make good on as much debt as you can but, frankly, you don’t know
if it’s possible. Then, offer to pay off 25% of your credit card debt
balance over the next few months in exchange for the company freezing
interest costs and closing the account.
【在 l********a 的大作中提到】
: 对，说的就是这种program。但是想问问有没有人操作过？
|
t****d
发帖数: 3204 | 7 you can ask the bank for TDR (trouble debt restructure)
but tbh there is not much you can do, either charge off or file BK, bank
would never settle 10k debt for 2k because they can sell the debt to
collection company
【在 l********a 的大作中提到】
: 比如说我现在有1万块钱的credit card balance，但是出现经济困难，有没有可能跟银
: 行谈个deal，一次性付2千块钱把这个欠账给settle了？
: 假设我不用考虑settlement给我的credit score的影响。
|
f*******w
发帖数: 13821 | |
a*****n
发帖数: 5158 | 9 我看错了，
他说的是“假设不用考虑settlement对credit score的影响”
我看成还要"对credit score没影响”了
【在 hs 的大作中提到】
: ka zong, Credit Card Debt Settlement is different...
: http://beginnersinvest.about.com/od/creditcarddebt/a/negotiate-
|
