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First, you don't need money to fix your credit. You can do it yourself but it will take some time and effort on his part. Check out this free book for some ideas also, he could hook up with a good debt management program that will help him eliminate all his unsecured debt and he can even get a FREE online customized report by visiting here and I have researched ways to get away from your bad credit It may seem really terrible, but there are MANY options available! Good luck and God bless!
Basically he will have to seek some sort of help for himself, like getting on some sort of payment plan, with the IRS, then he could get a second job, he could find a relative or friend that would let him stay/live with them for a minimal amount. And then begin the long journey to rebuilding his credit. Once he has saved up an amount of $250.00 or more he can apply for a secured Visa/Mastercard from a bank, this will help him re-establish good credit, he will just have to make sure that he pays on time. After rebuilding credit, he will be able to stand on his own again, without the help of anyone else. But meanwhile, he is going to have a pretty hard road.
Don't co-sign ANYTHING. If you want to help, you can GIVE them money but don't loan anything and expect repayment. He will just have to live on a cash basis. It takes 7-1/2 years from the date of first deficiency for negative items to fall off his credit report. There really isn't any secret formula or special letter that will help. He should contact the IRS first and work out a payment plan. They will get theirs one way or another and will likely accept pretty much any payment plan he offers.
Look up debt settlement. I beleive he can pay off a lump some probably for just a fraction that he owes. But he would half to put the money aside and save to do that. Just google irs debt settlement there are tons of stuff on the web-services will charge perhaps a considerable fee, do the homework and see how easy it would be just to do it on your own before you call a company if you consider this route.
Whatever you do-do not offer or accept to make any loans or credit card for that family member. That person may just have to buy things cash. If that person has people who can help in regards to a place to live and eat then that person can build his credit but it will be hard to fix-no one wants to lend money to someone who is not going to pay back. I wouldnt.
You can't do anything. He messed it up and he has to fix it - which takes years and hard work. Just make sure he doesn't drag you down with him.
I finally decided to read one of these articles in an internet newsgroup describing how to make $50,000.00 in only one month from a $5.00 investment. Of course I thought this was ridiculous ,or some type of pyramid. I talked it over with my family, an attorney, and my friends, and they all agreed it was some sort of scam. I hate scams because usually someone gets burned, and I didn't want it to be me! I blew it off for a few weeks then saw another one in a newsgroup I go to a lot and thought, "Maybe this is legitimate!". Besides, what’s $5.00 Well, two weeks later, I began receiving money in the mail! I couldn't believe it! Not just a little , I mean big bucks! At first only a few hundred dollars, then a week later, a couple of thousand , then BOOM . By the end of the fourth week , I had received nearly $47,000.00. It came from all over the world. And every bit of it perfectly legal and on the up and up. I've been able to pay off all my bills and still had enough left over for a nice vacation for me and my family. Not only does it work for me, it works for other folks as well. Markus Valppu says he made $57,883 in four weeks. Dave Manning claims he made $53,664 in the same amount of time. Dan Shepstone says it was only $17,000 for him. Do I know these folks? No, but when I read how they say they did it, it made sense to me. Enough sense that I'm taking a similar chance with $5 of my own money. Not a big chance, I admit--but one with incredible potential, because $5 is all anyone ever invests in this system. Period. That's all Markus, Dave, or Dan invested, yet their $5 netted them tens of thousands of dollars each, in a safe, legal, completely legitimate way. Here's how it works in 3 easy steps: STEP 1. Invest your $5 by writing your name and address on five separate pieces of paper along with the words: "PLEASE ADD minnesota TO YOUR MAILING LIST." (In this way, you're not just sending a dollar to someone; you're paying for a legitimate service.) Fold a $1 bill, money order, or bank note inside each paper, and mail them by standard U. S. Mail to the following five addresses: 1)- Steve Ferguson 1076 Mystic Lane North Troy, OH, USA 45373 2)- Heath Ward P.O.Box 2027 Dodge City, Ks 67801 3)- Matthew Kulbacki 1025 12th street Golden, CO, USA 80401 4)- Nikki Robinson 2324 Frederick Place Valdosta, minnesota 31602 5)- Ross O’Brien 1040 pine lane lafayette, minnesota 94549 STEP 2. Now remove the top name from the list, and move the other names up. This way, #5 becomes #4 and so on. Put your name in as the fifth one on the list. STEP 3. Post the article to at least 200 newsgroups. There are at least 17000 newsgroups at any given moment in time. Try posting to as many newsgroups as you can. Remember the more groups you post to, the more people will see your article and send you cash! STEP 4. You are now in business for yourself, and should start seeing returns within 7 to 14 days! Remember, the internet is new and huge. There is no way you can lose. Now here is how and why this system works: Out of every block of 200 posts I made, I got back 5 responses. Yes, that’s right, only 5. You make $5.00 in cash, not checks or money orders, but real cash with your name at #5. Each additional person who sent you $1.00 now also makes 200 additional postings with your name at #4, 1000 postings. On average then, 50 people will send you $1.00 with your name at #4,....$50.00 in your pocket! Now these 50 new people will make 200 postings each with your name at #3 or 10,000 postings. Average return, 500 people= $500. They make 200 postings each with your name at #2= 100,000 postings=5000 returns at $1.00 each=$5,000.00 in cash! Finally, 5,000 people make 200 postings each with your name at #1 and you get a return of $50,000 before your name drops off the list. And that's only if everyone down the line makes only 200 postings each! Your total income for this one cycle is $55,000. From time to time when you see your name is no longer on the list, you take the latest posting you can find and start all over again. The end result depends on you. You must follow through and repost this article everywhere you can think of. The more postings you make, the more cash ends up in your mailbox. It's too easy and too cheap to pass up!!! So that’s it. Pretty simple sounding stuff, huh? But believe me, it works. There are millions of people surfing the net every day, all day, all over the world. And 100,000 new people get on the net every day. You know that, you've seen the stories in the paper. So, my friend, read and follow the simple instructions and play fair. That’s the key, and that’s all there is to it. Print this out right now so you can refer back to this article easily. Try to keep an eye on all the postings you made to make sure everyone is playing fairly. You know where your name should be. If you're really not sure or still think this can't be for real, then don't do it. But please print this article and pass it along to someone you know who really needs the money, and see what happens.
If mint of money me I will assist to pay and if I [do] not assist to look for lawyer