Business & Finance - 27 November 2007

I just recieved a "final notice" from a collection agency, (even though this was the first letter I recieved from them) offering a settlement offer on a phone account that we stopped in September of 1997.
I have never recieved any notice from the phone company or any collection agency and I believe I paid our final bill in full back then. Nothing is or has ever been on my credit report regarding this either.
The representative I spoke with was very rude and demanding and told me that she would provide proof AFTER I had set up a payment plan.
I don't want to pay for something that I don't owe. I will write a dispute letter to them and ask for proof; however, meanwhile, she told me that it is me that has to provide proof to them that I have paid this "bill" rather than them providing me proof that a bill is owed.

After over 10 years, can a collection agency report this to credit bureaus if I don't satisify them by paying what I believe is a bogus bill?

2007-11-27 11:06:22 · 7 answers · asked by Anonymous in Credit

i made 18,7000 and having 2 child dependents and also using my property taxes wich were 8,000 and also loan taxes wich are around 18,000 how much should i be expecting back
last yr i have only onde dependent and did not report the property taxes,, only the loan taxes and got back 3500

2007-11-27 11:06:19 · 1 answers · asked by CHRIS A 1 in United States

I filed as married, filing separate in February. He filed as married, filing jointly in April. And did it without my knowledge and signed my name on the form. What will the recourse, if any be?

2007-11-27 11:05:03 · 4 answers · asked by tryin2bme2 2 in United States

2007-11-27 10:48:28 · 2 answers · asked by gigi 1 in Food Service

2007-11-27 10:47:04 · 3 answers · asked by Ellen J 2 in Credit

i paid $0.01 dollers for this program called the amazing $2.00 program they siad that they would take out 3.00 on my debit card so i was trying to see if $0.01 is 3.00 in american doller or if i have mean scam

2007-11-27 10:42:21 · 3 answers · asked by shonda black 2 in Other - Business & Finance

2007-11-27 10:40:23 · 6 answers · asked by Anonymous in United States

things like, deposit money, get a certain %, collecting money from purchasers. last wishes, spliting profits of money left in accounts, japan corps rep. as payment officer, from all over europe, negeria,uk,japan, russia, i need money but not illegal money. some offer jobs. will some of the personal mails i get really pay me millions or thousands for me to help them.

2007-11-27 10:39:46 · 5 answers · asked by rere 1 in Personal Finance

i would like to apply for a season retail job at stores in a mall.
this is really embarrassing to say but i've never had a "real" job before and i don't really know how ot get started.
do i just walk in and say i'd like to apply?? should i have my "resume" with me? should i dress properly? any tips would help!
also, when i was younger i helped out a family friend with alot of the office work but i never really got paid for it so i put it down as volunteering (which it technically was) so do i tell them that that was a previous work experiecen or what?>
do they hire if i've never worked before?
any help would do!

thanks!

2007-11-27 10:38:48 · 4 answers · asked by grly grl 4 in Other - Careers & Employment

Hi, I'm a newbie here and also a REAL newbie to investing. I have a beginner question about EPS. I will use CAT as an example

When I add up the net income for one year 927.00 + 823.00 + 816.00 + 882.0 I get 3,548,000,000. So if I divide the outstanding shares which is 635,960,000 I should get the EPS, 5.58. When I look at Google Finance it's said the EPS is 5.19.

Am I doing something wrong? TIA

2007-11-27 10:37:37 · 5 answers · asked by hudson 1 in Investing

so what ever he owed from IRS will be your debt too even your paying your own taxes??? true OR false?? why??

2007-11-27 10:30:34 · 3 answers · asked by ? 1 in United States

2007-11-27 10:29:43 · 6 answers · asked by NYTrader55 2 in United States

Like many people i was one of the many that got stuck with an adjustable rate mortgage. My pmt is about to adjust, is increasing by $400. I don't know what to do because the housing market is very shaky and i can't sell my home because i owe more than it's worth. Please someone, help i don't know what to do. What options do I have. Many people have told me to talk to my lender and see if we can come into an agreement instead of foreclosing my home.

2007-11-27 10:24:18 · 10 answers · asked by ale_0806 1 in Renting & Real Estate

2007-11-27 10:24:08 · 2 answers · asked by NYTrader55 2 in United States

is it old wine in new bottles?

2007-11-27 10:24:03 · 6 answers · asked by hoop 1 in Corporations

2007-11-27 10:24:00 · 2 answers · asked by Ms.T.Rios 3 in Renting & Real Estate

Why do people constantly say that they must have a credit card for emergencies. How stupid is it to pay 20% or so on your emergency? Now you just turned your emergency into a financial disaster. Competent financial planners suggest a 3-6 month emergency fund so that your emergency doesn't become a financial problem. Why then do people own credit cards at all then? A debit card can do everything a credit card can except get you in debt. Oh yes, the rewards! How many people's lives are changed by the rewards vs. those whose lives are changed by massive credit card debt? Oh but I have to build my credit score! Why, so you can make debt payments to get more debt payments? The only debt that you should ever consider is a home and you can get manually underwritten with a credit score of 0. I just don't get all the stupid credit card arguments. Boy, they sure are making all the credit card companies rich though. Why do you own a credit card? What do you all think?

2007-11-27 10:21:32 · 6 answers · asked by Anonymous in Personal Finance

Hi, I bought some brand named shirts on Ebay this morning using paypal & my visa debit card, and was doing some reading here on yahoo and ebay about 'fake' items. I am scared that the item might be fake/pirated or impersonations (whatever you want to call them). The $$ has been deducted from my bank but is at a pending status. The bank told me to wait til I get the items and then if I decide to dispute it afterwards, to do a claim with them. They suggested I contact seller too to see if they will do a refund too before going to bank. I am new to Ebay so would like your imput & how to do this. How can I cancell my purchase. Do i go through ebay or paypal? any 800 #'s out there as I was not able to find one. PS. I got some print out of ways to tell if shirts are fake or not. At home, I have authentic shirts and could use those guidelines to check for shirts but I havent received the shirts yet and wont for a few days yet, I imagine. thanks in advance

2007-11-27 10:20:30 · 2 answers · asked by Claire T 1 in Small Business

One of the head partners wants to use Access to manage his clients/matters, etc. I think he is starting to perceive the program as a sort of fix-all to his current state of disorganization.

Has anyone used MS Access to help organize the inner-workings of a law firm? And if so, do you have any advice about its use?

2007-11-27 10:18:34 · 1 answers · asked by riverstone 1 in Small Business

Please help! I don't have enough money for the wedding of our "dreams." lol, I really want it at a certain place, but it's out of our budget range! ANY ideas on how to make some extra money? My email is heathersguy0789@yahoo.com if you'd like to contact me with an answer or suggestion. Thanks!!! ~Ricky~

2007-11-27 10:15:13 · 2 answers · asked by Anonymous in Small Business

2007-11-27 10:14:52 · 1 answers · asked by Tony S 2 in Corporations

i really want to know because my name is EMily

2007-11-27 10:13:05 · 10 answers · asked by Anonymous in Government & Non-Profit

my family keeps bugging me telling me i need to be making more than my 31,000 salary, but i LOVE my job! i work w/ vicitms of domestic violence. and i knew getting my BA in psych wasnt gonna pay the big bills, unless i work w/ child protection services or obtain a masters, both of which i do not want to do.

i feel like i'm doing okay: i have an apartment (i currently share w/ my boyfriend, but i've been out of the home since i wa 24y/o and i'm now 26) i have a reliable car. i have 1800 CC debt, which is not good, but not in the 10000 either.

am i really such a loser? i really dont know

2007-11-27 10:12:18 · 10 answers · asked by happypants 3 in Personal Finance

I've had 2 credit cards for going on 8 months now, never missed a payment and often made 2 payments a month on each of them as I maxed them out and wanted to charge more. Generally at the end of the month I have the entire card paid off but occassionally I'll leave about $200 on there and pay it off as the new paycheck comes in.

I got my credit report today and it still says I'm unrated. Originally I was maxed out with 300 on one card and 500 on the other. The one was raised to 500$ at about 3 months, and the 500$ one was just raised to $800 a few weeks ago.

How can I still not be getting credit? I use my CC for EVERYTHING and always pay it.

2007-11-27 10:08:19 · 3 answers · asked by biggestperlnerd 3 in Credit

We have been renting a new townhome in Miami, FL since September. We believe the home will go under foreclosure before the lease is up due to mortgage fraud on the part of our landlord. We're not sure what to do now except sit and wait, which is really unsettling! How many payments must the owner miss before the house goes into foreclosure? (Our owner missed two payments so far -- we get the notices!) What are our rights as renters? How much notice will we get if the lease is not honored?

2007-11-27 10:06:54 · 2 answers · asked by czarina 1 in Renting & Real Estate

If I make a donation to a Tax Exempt Organization in Tennessee what websight could I use To get better information on how my financial/object donations will apply to my future tax I have to pay ??

2007-11-27 10:05:04 · 3 answers · asked by Tennessee NatureBoy 2 in United States

I have a petty theft record and an agency that I have applied for to help me find a job, has informed me that I need at least a years worth of job experience at the same place, after the conviction or they cannot work with me. I was honest about it and told them about my background, so I wouldn't have to be paranoid about getting fired later on down the line. Alot of people already working with them, lied about their backgrounds and are currently working, so it makes me a little angry that they are taking me through all this. The l petty theft conviction occurred in January of this year and I am currently on probation for another 2 years. It's hard as hell to find a job and I was wondering, if I could use a friend who is a supervisor for a home care facility to be a reference, stating that I "volunteered" for them for a few years, but didn't get paid much to make a living. He is an employee and all they could do is call. What other proof, could they ask for? No check stubs volunteering

2007-11-27 09:56:56 · 16 answers · asked by Anonymous in Other - Careers & Employment

my former employer who went out of business placed incorrect information on my W-4 which was sent to the IRS. Instead of 2,900 she placed I earned 29,000. How do I fix this? My former employer acknowledges doing this but failed to fix it. What do I need to do.

2007-11-27 09:52:45 · 2 answers · asked by Syman 2 in United States

i just want to know can i cash this check because to other week i fot a check i deposted it in my bank account. then a week later the check was fruad. now i got to pay the bank back some money. i just want to know can you look the check up and see if it's some good because i really need this money name of the bank chase bank check number 013857 route number 072000326 account number 675527816. please can you look at this and let me know is this checks is some good so i can know if i can cash this checks. you can email joann_allen77@yahoo.com. thank you very much for your business.

2007-11-27 09:50:25 · 3 answers · asked by nicole 1 in Corporations

Hi - I've been trying to sell my car. Got a potential buyer and he is concerned by the finance outstanding on the car. I have got the settlement figure and said that he can pay the finance company direct if he wishes for peace of mind, failing that I will pay it out of the proceeds of the sale. Are there any legalities with regards selling a car that still has an outstanding finance agreement?

I have already considered a loan to pay off the outstanding finance, then pay off the loan from the sale, but my credit history isn't fantastic.

2007-11-27 09:50:22 · 7 answers · asked by gclarke1985 1 in Personal Finance