Pyetje për shqiptarët që jetojnë në USA?

[ImHere]

Do doja te dija si mund te deklarosh bankruptcy per credit cartat dhe cilat jane pasojat e saj??

flm paraprakisht

Bankruptcy is the last thing you should do. There must be something else before you go for it. Talk to a financial adviser. If you go to your local church they might help as well.

I don’t know your financial situation... but as a finance student here’s some general advice before you go through Bankruptcy.

1-Create two columns. Write down all your expenses on one and Income on the other
2-Take a look at all your expenses. Which one can you eliminate? Which one can you reduce? E.g. If your cellphone plan is$ 49.99 reduce it to $19.99… if it is not possible to eliminate the bill. Switch to basic landline plan (eliminate caller id and the extras). Avoid Starbucks, Movies, and prepare to live on rice and beans for a short period of time.
3-Clean out your closet and have a yard/garage sale. Sell your car before the bank repossesses it.
4-I don’t know if you have looked at the possibility of getting a part-time job.

After you've done all that

1-Call the credit card company and discuss a payment plan with them.
2-Start by paying the cc company that has the highest interest rate first

That’s pretty much my advice, but I don’t know your situation...so please check with a Financial adviser before going to a bankruptcy lawyer.

Good luck

[MI CORAZON]

Gjej financimin pastaj me ate financim shko tek dealeri.. Nese ke credit te mire mund te gjesh interes dhe poshte 5%. Po tu deshen informacione specifike me nis nje mesazh privat.

Me 3.9 ma dhane.
R2T ( statusin e provincialit e ke te hequr automatikisht ), do vi t'marr neser tek puna te bejme nje xhiro me makinen e re. (lol)
Hajme edhe ndonje akullore.

[Goc_Labe]

a mund te me japin loan ne bank me interest rate me te ulet? dhe cafre kriteresh duhen ta marresh ate???

[conman]

i took a student loan gjoja per living expenses, paid off my credit cards and now im just paying 6 % APR, qe eshte shume mire po ta krahasosh me 13, 19 apo 30% APR qe ka ca credit karta.

[Fatrii]

a mund te me japin loan ne bank me interest rate me te ulet? dhe cafre kriteresh duhen ta marresh ate???

Mos hy Borxh moj Goc_Labe po puno se Allahu ti ka dhene duart.

[Goc_Labe]

rrofsh fatri po sdua ti perdor ti bej me kallo

[ildushja]

rrofsh fatri po sdua ti perdor ti bej me kallo

Ik beju noi manicure masanej.... me credit card. :P

[MI CORAZON]

rrofsh fatri po sdua ti perdor ti bej me kallo

Shoket po te japin keshilla , ti tallesh?

Si labe qe je, une te keshilloj te blesh nje gomone e fillo bej rrugen Florida - Kuba .

[R2T]

Me 3.9 ma dhane.
R2T ( statusin e provincialit e ke te hequr automatikisht ), do vi t'marr neser tek puna te bejme nje xhiro me makinen e re. (lol)
Hajme edhe ndonje akullore.

Kore, e more makinen? Ta gezosh. 3.9 eshte interes shume i mire, bravo te qofte per kreditin qe paske.

Dhe per akulloren rofsh, po kam 4-5 muaj qe kam levizur nga Florida kendej lart keshtu qe do e leme kur te vij nga marsi. E gezofsh dhe me mbaj ne kontakt se si po hecen makina, jam kurioz. Gjithe te mirat...

[Goc_Labe]

Shoket po te japin keshilla , ti tallesh?

Si labe qe je, une te keshilloj te blesh nje gomone e fillo bej rrugen Florida - Kuba .

hahahh e drejt po kte binzes e ka djali halles dhe nuk ja marr dot se futet sherri ne familje

[vagabondo_nyc]

hahahh e drejt po kte binzes e ka djali halles dhe nuk ja marr dot se futet sherri ne familje

ok pra linjen e Jamaices kap se aty o leku