I have a credit card problem. I owe money on 2 credit card bills & my parents have been making payments. If it wasn't for my parents making payments i would probably be in jail right now. I hadn't made payments since September of last year. My father told me that if i don't pay them back for paying off my credit cards for me he's gonna call the police on me & have them lock me up. So what i wanna know is can the police lock me up if i don't pay them back? I wanna pay my parents back but it's so hard for me to find a job & keep one. I always end up getting laid off after a few weeks or a month so i'll never be able to pay them back. If my parents stop making payments i'd really be in trouble cause it's so hard for me to find a job & keep a job. Do ya'll know of anybody who's been to jail or prison before for the situation i'm in right now? I've never heard of anybody going to jail or prison in my situation. The 2 credit card bills i owe don't know i filed for bankruptcy 2 years ago on top of all this so i might have to do some jail time if they find out about that. If i had to go to jail i believe i won't do any serious time since i've never been in trouble with the law before.

I don't think you'd be sent to prison, but you're credit will be destroyed for years to come. I've known people who've filed bankruptcy because they couldn't pay their credit card bills. You might have to do that. No matter what though, you need to get a job and stop depending on your parents to support you.

I already filed for bankruptcy 2 years ago. I tried to get into a debt consolidation program but the credit card companies i owe don't wanna deal with debt consolidation programs cause they said it would take me forever to pay them back. It shouldn't matter how long it would take for me to pay them back as long as they got their money. I don't depend on my parents, i'm trying to get 2 jobs so i can pay off my debt but it's just so hard for me to get a job for some reason. I think the reason why i can't get hired that much is because the employee looks at my previous employment & sees all the jobs i've worked plus they look at how long i was on the jobs & that's why i can't never get any calls back about a job. I don't think a employee should hold that against a person for working a whole lot of jobs & not staying on them long enough. I've always tried to find a permanent job cause i've worked a lot of temporary jobs in the past. I'm tired of temporary work. I don't know what else to do, i think i'm gonna eventually end up in jail or homeless soon but i seriously hope i don't go to jail or prison.

Stop using credit cards!

I haven't used a credit card since last yr & i don't ever intend on using them again. So do u think i could still go to jail if the credit card companies that i owe find out i filed for bankruptcy?

I don't think so. Bankruptcy sounds like your best option.

I almost got kicked off ebay cuz i never paid and a seller reported me to the ebay athorities but i didnt get in no trouble

Brian u need to read my statements more thoroughly. I just told u i filed for bankruptcy 2 years ago & after i did that i got these 2 credit cards in the mail & i went & spent them to the max & i hadn't made payments on them since September of last year. My parents just started making payments for me this past summer & they saved me cause i could've gone to jail cause one of the credit cards i owed, the lady who works for the collection agency told me that anytime u owe over $3,000 that's considered a felony. I've never heard of that before. A felony means jail time but i don't know for how long a person could get locked up for my situation.

Originally posted by Kelly Osbourne
I almost got kicked off ebay cuz i never paid and a seller reported me to the ebay athorities but i didnt get in no trouble

Ya well....this is a lot more serious than Ebay

Well, maybe it would help a little bit if you only got necessities[sp?], and maybe try getting a small job for now, then sell some things, that may help you a little bit. :)

Just out of curiosity how much are you in debt? I ask because my brother had around a $4000 credit card debt, and the creditors were real patient to work with him. They had him pay about $150.00 a month. I think he still has a couple thousand to go, but he's halfway there. The only thing I can really think of for you to do is keep trying to get a job. You may even have to end up working at Mcdonald's or somewhere like that, but at this point it sounds like you'll take just about any job. Well goodluck, I sincerely hope everything works out for you.

Originally posted by mdntrider7
Just out of curiosity how much are you in debt? I ask because my brother had around a $4000 credit card debt, and the creditors were real patient to work with him. They had him pay about $150.00 a month. I think he still has a couple thousand to go, but he's halfway there. The only thing I can really think of for you to do is keep trying to get a job. You may even have to end up working at Mcdonald's or somewhere like that, but at this point it sounds like you'll take just about any job. Well goodluck, I sincerely hope everything works out for you.

One his problems is that he says he can't hold on to a job so he can't make any payments because he has no income. I never heard of owing more than $3,000 is considered a felony. If that's true sell whatever you can!

Oh dear, I'm sorry about the credit card problem. My parents had a bit of a problem with the credit cards too. To put it simply, they overloaded on the credit cards. I was in about 2nd grade when this was going on. It was awful to go through the debt then, but in a way it was kind of a good thing. My parents learned their lesson. They scissored the cards up and vowed never to get another credit card. Yes, they had to file for bankruptcy too. Um, I think it was Chapter 11. I'm not really sure. It's been so long, but I think it was 11.

The best thing to do is find a really good job. Do you have a good reason for having so many jobs? Well, come to think of it I guess quitting or firing isn't a great reason. You'd better get 2 or 3 jobs. You might be dead tired, but you've got to get the debt cleared. Stick with these jobs. Don't work for 6 months and decide that you don't want the job anymore because it isn't fun or some excuse like that. Your prime objective for now should be clearing the debt out. If you get a job as a janitor or something, don't be ashamed of an occupation like that. It's bringing in money, right? I would also look through your collectibles and start selling stuff. Take it to ebay. You a guitar player? If you've got a guitar, you better sell it. Big items like that you can sell and you can always get a new one when you get back on your feet again.

Good luck.

I'm sure the credit card companies will work with you and make arrangements so you can pay them back a little bit at a time. You need to keep looking for a job. There are jobs out there. Work for a temp service if you have to even if you don't like it. Just make it your first priority to pay off these debts. This is just my guess because I've never had this problem but I don't think you would go to prison just for oweing a few thousand dollars especially if you are trying to work with the creditors The credit collectors want their money and you going to prison would just make it harder for them to get it. Your dad may have just told you that to scare you. I just don't understand why they approved you more credit when you just filed for bankruptcy 2 yrs ago. I thought it was 7 yrs before your credit became clear again. These credit card companies make me sick, trying to take advantage of younger people who don't yet know any better. They make credit cards sound like a good thing but don't explain that credit cards can be very bad if not used properly. I wish you luck in resolving this problem. I can only imagine what you must be going through but hopefully you have learned a lesson from all this and will come out of it a more responsible person.

you could always go to mcdonalds to work...

it's better than no job at all.

Originally posted by Mijada
These credit card companies make me sick, trying to take advantage of younger people who don't yet know any better. They make credit cards sound like a good thing but don't explain that credit cards can be very bad if not used properly. I wish you luck in resolving this problem. I can only imagine what you must be going through but hopefully you have learned a lesson from all this and will come out of it a more responsible person.

The younger people are always the best people to rip off. When you get older, you kind of settle down and you can deal with not getting something. When you are younger (this is how it was with my whole family), something just nags at you to get something. It's like a product talks to you. Hey, I have no money. I'm broke. The product still talks to you. So what? You're broke. You have that credit card don't you? You can use that little piece of plastic and get this and that and just pay the credit card bill later when you do have the money. Before you know it, you have a whole cartful of stuff.

My whole family just didn't know how to control it. Some people know how to use a credit card and buy stuff and not overload their asses with a credit card. Unfortunately, some people just don't know how to use a credit card properly. It becomes like a gambling fever or something. That's the best way I can describe it. It's just like being out in a casino and you're standing in front of a slot machine, pulling the lever and expecting something miraculous to happen. It just doesn't happen like that most of the time. When you blow the money, you blow the money. You can't wake up five minutes later and have your pockets over flowing with money.

Originally posted by isiahthomas
Brian u need to read my statements more thoroughly. I just told u i filed for bankruptcy 2 years ago & after i did that i got these 2 credit cards in the mail & i went & spent them to the max & i hadn't made payments on them since September of last year. My parents just started making payments for me this past summer & they saved me cause i could've gone to jail cause one of the credit cards i owed, the lady who works for the collection agency told me that anytime u owe over $3,000 that's considered a felony. I've never heard of that before. A felony means jail time but i don't know for how long a person could get locked up for my situation. it dosent matter that you got the cards after you filed. but you still have the obligation to pay what you charged on the credit cards. they wont put you in jail but if you own anything ( car,house etc ) they will put a lien against it.call them get a payment plan going with them. and GET A JOB! good luck.

I don't own anything so they couldn't put a lien on anything. My father talkin about he's gonna press charges against me if i don't pay him back for paying off my credit cards. I guess he's gonna have to do what he gotta do then cause if they lock me up he won't never get his money from me & he'll be wasting his time & the collection agencies will never get their money either. So my father & the collection agencies can't scare me by telling me they'll get the police to lock me up.

Your father can't have you locked up for not paying him back but he could throw you out on the street. Credit card companies don't have to work with you or a consolidation agency, they can simply take you to court and get a judgement for the amount. Don't be fooled, these companies will garnish your wages on any paying job you have for as many years in the future they wish to pursue you - that should scare you. Try to contact a local legal aid society and find out exactly what your rights are and what possible fraud charges could be filed against you, if any. In the meantime, contact every credit consolidation company you can find until someone who can help you with this. You can't do this alone, you need serious legal advice.
I hope you realize that buying a house, car, renting an apartment, getting a job and just about everything else you do in life is impacted by your credit history in one way or another. Let that be the motivation behind getting and keeping a job.

I just got a phone call from a attorney for my credit card account that i owe this morning & he's talkin about his client wants $1,705 paid in full. I told him i didn't have it right now cause i don't have a checking account & he said well i better get a lawyer cause his client is gonna take me to court. My parents have been helping me make payments every month on my bill & now all of a sudden they want it all. Well if they take me to court they'll be wasting their time cause i don't have that kind of money. What are they gonna do? Throw me in jail? They'll never get their money from me if they do that.

I don't have all the answers, but I would find a lawyer if I were you. You dad can't have you put in jail unless you signed some form of agreement with them that if they pay it, you'll pay them back. If you did sign some legal agreement, they've got you. As far as the credit card company goes, are your parents still paying for you, because if they are, then the credit card company has no reason to take you to court. Any payment should be better than nothing. So, my advice is, get a lawyer, or find a credit counseling service that is willing to give free legal advice. If the credit card company won't work with them, at least they can tell you the best next step. And, get whatever job you can. Don't be picky. Like someone else said, work at McDonalds, it might not be all that, but it is an income.

This is just my opinion, and I don't want to hurt your feelings or anything. But, you should set back and take a serious look at your life and yourself and try and find out why you have this problem of overspending. I mean, if you filed for bankruptsy 2 years ago and now you find yourself in a similiar situation. There is a problem somewhere. And, you can't seem to find and keep a job. I really think you have some issues that you need to address. I don't know how old you are, but this will seriously impact your life forever. Not just while you are young.

Good luck, I hope everything works out for you.

I got a job interview waiting on me as soon as i get my car out the shop. My car has been in the shop for a month & a half now & they still haven't worked on it yet. I went up there a couple of days ago & he told me that it should be fixed by tomorrow so we'll see. If it's not fixed by tomorrow i'm gonna take it somewhere else. I might be getting this job working for Keebler who makes cookies & crackers as a merchandiser. They pay $10 a hour so that's why i need my car desperately. If i get this job, then i'm gonna open up a checking account with my first check so that way the credit card people can take the money out of my account so they'll stop trippin. They wanna be in control, that's what the problem is. I've learned my lesson from this situation, i'm done with credit cards forever when i'm done paying off my bills.

Originally posted by isiahthomas
I've learned my lesson from this situation, i'm done with credit cards forever when i'm done paying off my bills.

I really and truly hope you have. They will tempt you later on. Like I said before, my parents filed for bankruptcy all those years ago and now they have things straightened out. I want you to know that they now send the credit card things out still. You've been approved for X Card. You've been approved for a Visa Card. You've been approved for a Master Card. My dad takes it straight to the trash. Don't let the fever take control again.

If your car isn't out of the shop pretty soon, you need to carpool or something. You got the opportunity to make some good money and end this mess and you can't get to the interview because of the fact that your car is tore up. Don't let a car stand in your way.

I got a letter in the mail a few weeks ago saying i had been approved for a credit card & i threw it away. I don't know how they got my address cause i didn't give it to them.

I realize how scared and worried you must be BUT! I looked on your profile and you are over 25 years old! Your parents are paying your bills! ? That was a mistake. You just kept on spending! That's called "enabling". Hope they and you have learned a valuable lesson!:nonono:

Originally posted by isiahthomas
I might be getting this job working for Keebler who makes cookies & crackers as a merchandiser.
That sounds like a cool job and 10 bucks an hour is pretty good starting pay. I hope you get the job and get this situation sorted out. :)