Credit - January 2007

Seems instead of harrassing you; it's the 'Scarlet Letter' approach!
Over a year ago my elderly neighbor told me of this practice and I discounted it, as it doesn't seem legal.

Today I get a call at 10:20am Central time from (on ID as:) 972-555-1212! She introduces herself as an Investigator from Wasau County. She asks if I know 'so and so'. I asked her who this is, she gives me her name as Sandy Stone. She asks me if I know 'so and so, my neighbor' and speals off addresses. She claimed it is not collections. Private investigator? She hedged, it's Global Investigations Services out of Dallas Texas! They (the company) call neighbors or others in the general vacinity of their 'target of investigations'. She asked if I knew 'so and so, aforementioned neighbor's girlfriend', does he still drive a 'colour and make of car'! Left phone # of 18003814640x205 for me to tell neighbor! 'Scarlet Letter' my neighbor and me be the 'bad guy'? WHAT?!

2007-01-19 05:40:34 · 6 answers · asked by ganymedesgoblet 2

I am a new york state resident with a credit card that just sent me a bill with an APR of 32.24%. I am in good credit standing (make all my payments), but am carrying too much debt relative to income. The last payment for this particular card was 1 day late, but late charge and APR/Finance charges are listed seperately so I don't think that had anything to do with it. I am wondering whether or not to go to the attorney general on this one. Please let me know what all of you out there think.

2007-01-19 05:19:59 · 13 answers · asked by Brian F 1

2007-01-19 05:14:23 · 3 answers · asked by Sandra C 1

I got phone bill for 1993 that they said I owed and that 3 other creditors had try to collect on.I have ran my credit many time over these 14 yrs and it has never showed on my reports.It on a address I've never lived at and a phone # I don't even know.How can they do this.I live in Indiana is there a time limit?

2007-01-19 04:37:34 · 6 answers · asked by BIEKER 1

Here is the quick background. I was in credit counseling and lost my job. I then couldn't make the payments and had to leave counseling. I had a tempoary job and got a bit caught up I have a full time job again and am working on paying things off. I completely forgot about one card, got a call yesterday from a collection agency They said that i should have recieved a collection notice in the mail I said i didn't get it which was true but it was in my mailbox when i got home from work. the amount is around 5500 they offered me a settlement for 3900 but i can't do that They said that the account would go to chargeoff status and affect my credit score, and that they could file judgement against me. My boyfriend is a mortgage consultant, both him and his boss said they have never seen a credit card judgement. I'm reading all this stuff about judgements and it scares me. My boyfriend said that i should just let the collection sit there and that it probably won't do anything. I'm in MD.

2007-01-19 03:32:08 · 10 answers · asked by Sarah F 1

A collection agency and a law firm continually contact my parents (with whom I havent lived for over 20 years). Their phone number is unlisted. My father has even been cursed at. Is this legal?

2007-01-19 03:23:05 · 11 answers · asked by Maryanne E 1

Several years ago I developed a chronic medical condition,lost my job & was unemployed several years. I used my savings to pay my credit cards until I missed 2 payments in a row. I contacted the credit card company, worked out a deal to pay them back.
I am now employed, current on my bills & have been for several months even though they are charging me an usurious interest rate 29.95% I believe. I have not used this card since several months before my missed payments. I contacted the card company to lower this amount but they refused.
What are my options?

2007-01-19 03:22:43 · 8 answers · asked by hungryhart 3

can a collection agency collect fro, my SS pension and my union pension?

2007-01-19 03:17:17 · 6 answers · asked by dasilva_usa 1

I was told by someone that with a debit card, the money that is used to reserve something, like a hotel room, will not be available to use until the transaction is cancelled. So say I had $500 on my debit card and the reservation (for a month away) was $300. Would that $300 still be available to use?

2007-01-19 03:02:11 · 7 answers · asked by Anonymous

My parents have $44,000 (Canadian) in debt (mainly cause of stupid study programs they got duped into when they came here). Our family income is $3200 and our monthly payments are $3900. We do not own a house and we live in Toronto,

Now considering this do you guys think debt consolidation is a good idea. Has anyone tried it? How did you guys like it. Pros and Cons. Plz I seriously need an opinion on this issue!!

2007-01-19 03:00:58 · 8 answers · asked by NightSlayer 3

we have credit scores of 530 and 545 but we have money (approx. 20,000 plus we own the property we want to build on) to put down. is it even possible? we have a mortgage right now and we're actually very good with payments on that but our score never moves up its only gone down due to medical collections and 3 late payments on our credit card. so we once had 680 and 570 and now look. so should we even have hope to get a mortgage for 180,000?

2007-01-19 02:07:18 · 3 answers · asked by toolate 3

I currently have excellent credit (high 700's). I have always paid my CC balance at the end of the month; however, for the next few months, I will need to carry a balance due to educational and moving expenses. I fully intend to pay off the balance in a couple of months. Will this hurt my credit score? If so, how long will it take to bring it back to its current standing.

2007-01-19 01:42:23 · 4 answers · asked by asiankid3 1

2007-01-19 01:31:02 · 2 answers · asked by Anonymous

I just got a notice from some collections agency called Portfolio Recovery Associates in Virginia stating that I owe them $4200 on a debt I supposedly owe to MBNA/ Bank of America in the amount of $1500 from 2003. It stemmed from an account overdraft protection that was put on my account in 2000. The banker that opened my college checking account offered the service and I said it sounded okay, he then said that I would receive some paper work that I needed to sign in order for that service to begin. I got the contract and looked it over and did not sign or return it. I remember not paying the charges because I never signed a contract saying that I would accept. Do I owe and if so, why. What are my possible defenses?

2007-01-19 00:59:29 · 8 answers · asked by varia 1

I made arrangements with a debt collector to pay off a balance in 3 monthly installments. The arrangement was sent to me in writing by fax. All payments were to be taken out of my checking account with postdated checks. The first payment was made with no problems. However, due to financial difficulties, I could not make the second payment. I made several attempts to contact the collector with no success. No one returned my phone calls. I never received the required mail notification of the collector's intent to withdraw the funds on the next date. So, I placed a stop payment on the second check. I just discovered they deposited the third check, which wasn't to be deposited until 2/15. However, they did change the deposit date on the check.

My next step is to contact the FTC and find out how to pursue this. As of now, I am livid. I am in a situation where my account could be overdrawn, and I have very little money. Anyone believe this was a violation of the Act?

2007-01-19 00:31:29 · 9 answers · asked by MaknMeCrzy 2

I am looking at Credit Counseling as a way to eliminate debt, does anyone have experence with Care One Credit Counseling?

2007-01-19 00:28:24 · 2 answers · asked by JusCurious 1

If I was to put half the money down on the car and have good credit score, and am getting a job soon? Is it possible

2007-01-19 00:22:59 · 13 answers · asked by xoxo 6

Theres always things in the news about closing down hospitals and that because their so in debt? Why can't we just print more money to help them out?

2007-01-19 00:10:35 · 10 answers · asked by sweetgirl007 1

2007-01-19 00:08:13 · 4 answers · asked by markunitedbrown 1

I'm tired of people on answers who "have no debt or credit cards" dissing those who have little choice in the matter. My debt is largely and usually unexpected. I don't fritter money on nice clothes or possessions. One year I had to find the money for a washing machine and dryer in the same year that I had problems with my car. I rely on my car to get me to work and my kids to school as there is no public transport near enough. I don't earn a lot of money and have never sponged off the state. Though I struggle to repay my debts at least I'm repaying them. I don't like borrowing money.

2007-01-18 23:41:07 · 11 answers · asked by Anonymous

2007-01-18 23:13:34 · 4 answers · asked by Anonymous

Someone orders a magazine online. They say to wait 10 weeks it never show’s, even 3 months after it was due. Magazine Subscription Company says they are working on kinks, and will not issue a refund. Can you dispute it on the credit card it’s been charged to, even though it’s been paid off?

2007-01-18 23:05:17 · 7 answers · asked by Jen 5

2007-01-18 22:39:15 · 2 answers · asked by Anonymous

I filed BK three years ago, and I included a student loan. At that time the judge question the student loan, but because it was a corporation he included it in the BK and cleared it from my record. To this day, that student loan company has sold it. It's been resold and resold and resold.
What can I do, is their anything I can do?

2007-01-18 21:42:01 · 3 answers · asked by mevanr8x7 3

Is it better to pay everything at once or a small amount ($40) every month?

2007-01-18 19:42:45 · 2 answers · asked by pandemonium7386 3

Should I contact my credit card company first or dispute through PayPal first? Does this order matter at all?

2007-01-18 19:28:56 · 9 answers · asked by Anonymous

2007-01-18 19:22:27 · 2 answers · asked by Anonymous

I applied for a capital one credit card and got it however i've heard many bad things about them. The have sent me my card but i havent activated to also do i need to do anything with it if i decide not to use the card? So basically all i want to know is what bank i should go with and what to do with my non activated capital one credit card? Any help will be appreciated!

2007-01-18 18:25:27 · 6 answers · asked by melinda_trvn 2

i have asked for my card activity to be suspended. Now, these are not my charges and I have no intention of paying them. also it angers me that I had one of the big 3 credit companies moniutoring my account and yet this happenned. I rarely use this card. The charges came form a place quitre distant from me. I have no idea how it occurred unless the credit card company made an error in recording the transactions. The card is AMEX. I know that if they request payment from me and I do not pay that my credir rating will be harmed. I currently have a very high credit rating

So, besides hurting my credit rating, if I have to refure to pay, what else could happen?

2007-01-18 18:16:10 · 2 answers · asked by Anonymous

2007-01-18 18:10:30 · 1 answers · asked by dieseldick3408 2