Archive for August, 2009

Need Help Understanding Ex-Girlfriend! Please Help! Confused?

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Hi guys I know this is pretty long but please help me out if you can find it in your heart to aid a really down college student.

I will choose a best answer and dish out points whenever possible

Alright so basically, my ex-girlfriend and I broke up like 3 months ago because she said that she needed time to “grow up”. Basically, we decided to still be friends because we really still like each other and get along great. However, I am still very much in love with her.

The problem is that lately I’ve been feeling really down around my ex and kind of jealous and I don’t know why. She’s basically perfect at everything. She’s very attractive because a lot of guys flirt with her, wears size 00 pants, exercises constantly, her parents are wealthier than mine as she lives in a half a million dollar house and her dad retired at the age of 48, she always gets whatever she wants (material-wise) i.e. she has two pairs of Uggs, wears all Abercrombie clothing, gets the newest iPod every year, breaks her cell phone at least 3 times a year, has two pairs of Sperry type shoes, and gets Tiffany and Co. jewelry costing around $175 once a year (She gets all this stuff usually for Christmas or just because presents but she always gets whats on her list of wants), she makes friends easily, has time to join lots of clubs in college, works as a store model for Abercrombie and has a higher GPA than me while majoring in journalism, and sometimes I feel like she has all of God’s blessing even though she is extremely atheist.

However, I am the complete opposite as I always work for what I get. I’m in one of the top 10 business schools in the nation but struggle to maintain a 3.0 GPA and spend most of my time studying, I haven’t met very many people in college because I’m trying to save money by living at home with my parents (my ex lives in the dorms which her parents pay for even though her parents live 2 blocks away from campus), I spend all my free time at home, I don’t find myself as attractive because I’ve only worked for American Eagle and I am Asian, my parents want me to earn things so I have to work to pay for my clothes, cell phone, car repairs and other stuff I want unlike my ex.

I just feel crappy to the point that I’ve been unmotivated to study and I want to sleep all day. I’ve stopped going to the gym and I have been wallowing in my own self-pity, I’m always wishing that my parents were a lot richer because my ex gets to finish college at her own pace while I’m pressured to finish in 4 while her parents can also afford to let her take summer classes not only at where we go to school but to other colleges such as New York University and/or Chicago to make her workload easier while I don’t have that luxury. She also got a chance to study abroad twice.

The only thing I feel like I have an advantage over her is that I know how to invest and save my money better than her because she can’t save her own money at all. She doesn’t even know how the basic definition of a stock or how a credit and debit card work. I am very ambitious and always look for ways to make extra money through investing and saving but I always still feel down because I know that she’ll still get ahead of me in the future because her father is already investing money for her for her retirement in the thousands already.

Not only does she get all that stuff but her little sister and her brother get all the stuff they want to. Her sister basically gets everything my ex does like a new iPod at the same time my ex does and wears Abercrombie only also. However, if she doesn’t get her way at all, she always throws a fit (I’ve been there to witness it) until she gets her way. I don’t understand how she gets all this stuff either. Is it possible to get a life like this when her dad worked as an engineer for GM for 20 years and is now retired and her mom is a territorial manager for Johnson and Johnson?

Despite all this I feel like God’s let me down. Why does he bless people that don’t believe in him? Should I stay away from my ex even though I still love her? She is white and we’ve known each other for 4 years and dated each other for 2 and a half years. Can a relationship with 2 different people like this work out again? Why do I feel this way? I get really jealous because no girls flirt with me at college compared to guys hitting on her. What should I do? Am I even in her league at all?

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Credit card Query?

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if I have a balance on an exisitng credit card and want to transfer to a 0% but am unable to as I dont earn enough to qualify for a new card, would it be possible to do a joint credit application with husband whos income is higher then transfer the balance?

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Credit Card Default. Lawsuits, Judgements & Consequences?

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Situation:
Massive Credit Card Debt; Recent Defaults; No Income; No Assets, Maine Residence.

1. What is the most common amount of time between a credit card default and a lawsuit?

2. What are the possible consequences of receiving a Default Judgment? [Not going to lawsuit court summons; contempt of court]

3. If “Contempt” is the courts judgment, is incarceration possible? [If yes, in which states?]

4. If one were to attend their court summons for defaulted credit card debt, and the debtor made it clear that they were unable to pay at all, what would be the most likely outcome?

5. Is anyone affiliated with the defaulted credit card debtor at any risk? [ie. friends, family; not including co-signers]

6. Is there any legal way to force credit card companies to stop harassing the employer listed on the original application?

7. What could be considered to be fraud, regarding the original credit card application?

8. When would anything perceived as fraudulent be addressed, regarding the default, lawsuit & judgment process?

Any response(s) would be greatly appreciated.

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credit card applications on credit history?

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If you apply for credit cards and you get turned down b/c of your credit score being low. How long does it take for them accounts to be removed from your credit report? AND if they are removed from your report does this bring the score higher or just the same?

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What order must names be put in online credit card transactions?

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I want to purchase something online. The web page states that I must enter the name in the order First Name/Last Name, as it appears on the credit card. However, the credit card has the name in the order Last Name/First Name. What should I do?

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Who is responsible for credit card debt if somebody dies? Or does the company eat it?

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Say somebody has X amount of credit card debt, then they die but still have that debt to the credit card company outstanding, what happens? Does the company have to write it off as bad debt or ? Perhaps the company can hit up that person’s estate. But let me pose another question then – what if that person’s estate does not have enough money to cover that credit card debt.

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Friend acting weird after I lent her money?

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So I went out with a good friend for afterwork cocktails. When the bill came I put my cash down and she her credit card. Her credit card declined so she asked me to help her share. I went to the ATM. I did pay her share. She emailed me later that she would pay me back the next day. 2 weeks have past and she is not returning calls or emailing. She has become totally unavailable. This is compared to multiple daily calls and emails. What should I do? Will I see my money again? Is she my friend anymore?
Smile – I think you are right, she was really embarrassed her card declined.

I wish she would speak up if she was having financial problems.

Hopefully I will hear from her. I do value her friendship, but acting like this is just plain wrong.

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I am shopping for a credit card. Who offers the best credit card?

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Like which companies has the lowest fees and all that…offers the most features.
What features should I look for in a credit card?
Since this credit card is my very first one, will I be able to get any great deals?

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How fast is a Visa card application process (usually?)?

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That is, if you don’t have any bad credit and you’re a student applying for a student card. Or even if you’re an adult and have good credit and stable income; everything in order, etc.

I just wanna know because recently I’ve applied for one.

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Dental credit card companies?

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A good friend of mine went to a dentist to have her teeth clean and a check up. She is 63 years old, and takes very good care of her teeth.
The dentist said she had pockets and that her gums were infected. This came as a shock, because she had no idea of this problem. The dentist had her sign a credit application. My friend thought it was a pre approval application. After a day or two, she was notified by the dentist secretary that she had been approved for the sum of $3559, which would be the amount the dentist is to charge her. She is on disability, and that was not possible for her to pay that amount in monthly payments. The interest rate is 22% variable.
She called the credit card company and they said the money had been sent to the dentist. She would have to deal with the dentist to have the money sent back. The credit card company said that because she had made an inquiry the day before to their company, her account had been closed.
Now the people at the dental office are not friendly with her and the dentist is not wanting to respond to her questions about the money or procedures.
My friend just wants out of the whole contract that she got pulled into.
The credit card company is not helpful.
How can she get out of the contract with the dentist and have the money returned?
The credit card company has charged her 4%. That would amount to $140, and the dentist has already taken xrays, and an exam. So maybe this has allowed the dentist to complete access to the money advanced to my friends account with the dentist. She feels like she is being held hostage by the dentist to have all this work done, and wants a second opinion from another dentist. Do you have any ideas of how to handle this mess she is in.? Thank you for taking the time.

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