Credit - May 2007

Damn! These people don't care if you're on your death bed or not. Debt collectors from a CELL phone company sittin' there callin' me @ some 7 on the DOT this morning-DEMANDING money from me & making threats to garnish my SSI & Social Security checks, which they CAN'T do. I mean, why if they're not PERSONALLY making any profit off of you, do they put their emotions of anger into threatening you? Please don't say "It's their job." There must be some other reason. I was homeless on the streets, & they STILL don't care-they want MY money. They don't care if you're in the hospital-like I was. They don't care if you're dirt poor & starving. In which I am. SSI & Social Security-that's all my bill money right there. They don't care if you're on your last breath of life.

2007-05-24 04:04:44 · 24 answers · asked by Anonymous

Why can't they understand sometimes good people make mistakes?

2007-05-24 04:03:56 · 9 answers · asked by Anonymous

if your credit is already destroyed why bother paying the bill? What else can they do to you?

2007-05-24 03:48:07 · 14 answers · asked by mom x's three 2

I got my first credit card in June of 2006. My payments have never been late. Every 30 days the credit card company reports account status to all 3 major credit reporting agencies. Transunion and Experian both are showing my account correctly, but Equifax is not showing it at all! I had to pay Equifax $20 for my credit report just to try to dispute it and now I get a bunch of crap for the customer service center. I know my credit card company is reporting my info. In fact just yesterday they did another report to Equifax and Equifax is still saying they have no record of the account. I'm really upset over this mess and I want an investigation by FTC and possibly the Attorney General for the state for the Equifax corporate office. What would you do? What is the best way to get immediate action?

2007-05-24 03:35:55 · 8 answers · asked by bamagrits84 3

I had/have a loan through a mortgage company; they written off the remaining loan off as "bad debt" and closed the account. It's been verified when I pulled my account. They have made no attempt in trying to contact me and I did notify them of my new address and contact info. What are my options and can I remove this from my credit report.

Respectfully,

2007-05-24 03:18:11 · 6 answers · asked by biggdawgg7447 1

My wife's grandmother, whom is 89 years young and in a nursing home had some credit card debt when she was admitted some four years ago. Now, my wife got a threatening call from one of those companies a few months back basically saying if we didn't pay the debt they would take us to court. I called a lawyer and was told that they couldn't take us to court because it is the grandmothers debt. Is there anyway we can be held responsible for her grandma's debt? By the way, I told the credit card company we weren't going to pay and I haven't heard from them since. By the way we do have power of attorney over her finances but that was only to get her into the nursing home (we got it a few months before she was admitted). There has been no charges made on her credit cards since the day she went into the nursing home. Actually we didn't realize she had so many credit card accounts, but she payed on them faithfully up until she went into the nursing home. She had some since the 60's.

2007-05-24 02:51:38 · 7 answers · asked by anon 3

Two weeks before filing chapter 7 a customer signed and borrowed money from me. Two months after filing he amended his chapter 7 to include me in it. I never received any paperwork from him or his lawyer stating he was in chapter 7 nor did I receive anything from his lawyer until after the case was discharged.
His lawyer give me ten days to drop a judgment i have on him or face being taken to court myself for not abiding by bankruptcy laws.

I was not aware of the bankruptcy until my lawsuit was started. I never received anything in writing other than a letter after the bankruptcy was discharged. I have lost money already taking him to court and lending him money. I believe he was clearly aware of his chapter 7 before taking the loan. I don't have money to pay a lawyer for representation. what can i do to protect myself and get my money back? Please help me, I dont want to lose anymore money.

2007-05-23 23:46:51 · 3 answers · asked by Liberty 1

I was discharged from bankruptcy in April 2006. Before I was made Bankrupt and never had any money I could have car credit but now I can easily afford repayments I can't get credit. Would I be able to get a car in my mums name. She has a brilliant credit record although she does not work any more.

Thanks for your help

2007-05-23 23:39:55 · 15 answers · asked by Anonymous

I was under the impression that the legal limit for yearly interest agreements for things like credit cards was 30%. Did I miss something, or am I just completely wrong?

2007-05-23 23:37:42 · 4 answers · asked by Anonymous

2007-05-23 23:28:20 · 4 answers · asked by xantheh 2

i am trying to deal with a collection agency in paying off a debt to Wells Fargo.I have reached a settlement with Wells Fargo to take care of the debt.The thing is,how do i tell the colection agency that I am longer dealing with them,and have come to agreement with wells fargo,so that the collection agency won't take any more money out of my account?i asked Wells Fargo,if they could stop the collection agency from taking money out of my account to pay the debt,because I had reached a agreement with Wells Fargo.The collection agency didn't belive me when I talked to them the last time,that I couldn't make the payment arragments I had agreed to,how do I make them belive that i'm making payments,and keeping my arrangements with Wells Fargo?Any suggestions?

2007-05-23 19:59:34 · 4 answers · asked by ericfaul2003 4

it was a 721 then it went down to a 714 and i never missed a payment

2007-05-23 18:53:03 · 5 answers · asked by gollum_87 1

2007-05-23 18:09:27 · 4 answers · asked by princesscrystal3 1

the charge was made for a catalog order so i know it was sent to someones address

2007-05-23 16:53:17 · 10 answers · asked by nene5429 1

2007-05-23 15:40:13 · 5 answers · asked by Stef 2

2007-05-23 15:06:11 · 10 answers · asked by star_princess5585 1

True or False: When creditors evaluate your income, they can't legally refuse to consider income from public assistance in the same manner as other income.

2007-05-23 14:38:30 · 4 answers · asked by TIM 2

I apllied for a "V" total card about a year ago and I had my balance full, meaning i owed them money for the stupid piece of plastic.... I owed them 200 bucks and have used it monthly, by adding money to the card before i used it..

soo... do credit cards work this way, or is it just because it's my first card?

2007-05-23 14:23:02 · 5 answers · asked by Deadgrrl 3

I read about a program where you get a new 9 digit number to open a new credit file using your real name address etc. Is this legal?

2007-05-23 14:18:30 · 6 answers · asked by desperate 1

Ok, I'll try to make this as simple as possible.

I make some credit card payments through MyCheckFree. I changed bank accounts and when I went to change the information through MyCheckFree two credit payments were already processing so I went to the site to pay it directly, which I did and the payments were made days before they were due.

MyCheckFree's first attempt failed because the account was closed. Then they tried a second time, which failed again because it was attempted with the closed account and once the transaction is processing there is no way to stop it. I understand that there are CC fees but:

1. Will this hurt the decent credit that my husband and I have going for us, that we have been improving on?

2. Even though the bank account was closed days earlier am I still responsible for the fees that my old bank is trying to place on me?

I didn't receive word of the first failed attempt, only the 2nd.

2007-05-23 13:24:19 · 4 answers · asked by FaerieWhings 7

I've never had one and I'm wondering why people get one if you can use your own credit/debt card or cash? Also are there disadvantages?

2007-05-23 13:16:35 · 8 answers · asked by DialM4Speed 6

2007-05-23 13:09:56 · 3 answers · asked by dbird139 1

I'm a single mother who has a 17 year old daughter and really need to get a loan for $8,500 and yes I have bad credit due to divorce etc. recently my daughter got mixed up with the wrong guy and I really need to relocate to get her away from him for good and in order for me to accomplish this I need financial help not a run around or to be scammed by idiots that should not have access to this site or any others, so if you have any souind advice please help, also i have no bank account so the sites who offer short term loans deposited into your account will not help! Thank you

2007-05-23 12:45:19 · 5 answers · asked by Anonymous

my hospital bill is $ 24000 I can only afford to pay $ 100 a month. Can they refuse my payment?

2007-05-23 11:54:41 · 3 answers · asked by Joseph W 1

my husband and me wanna fix our credit.he has a bad credit(around 570)and I have no credit.over the last 3months we put payments in my name to build my credit, but its still insufficient.we thought once my credit is good, we could get his score up through my credit.
Is that possible or would it be better to fix his credit first?the problem is, we dont really have the money yet to pay his credit off!

2007-05-23 11:05:35 · 5 answers · asked by levi 1

2007-05-23 11:02:52 · 3 answers · asked by Anonymous

Its for an apartment I used to live in. I got evicted. If I pay it off, is there a way to get rid of it right away? Because it says it will be there for 7 years.

If I cannot get rid of it even after paying,...after 7 years will it just disappear? Basically If I wait it out will I not have to pay anymore? I just want it gone.

2007-05-23 09:41:00 · 5 answers · asked by MrRiches 2

The credit card agreement says the largest of the following:

1. The new balance on the billing statement if it is less than $20.

2. $20 if the new balance is at least $20

3. 1% of the new balance plus the amount of your billed finance charges and any applicable fee.

4. 1.5% of the new balance

With number 3 what are finance charges?

2007-05-23 08:28:50 · 3 answers · asked by Anonymous

I have an account that has been on my credit report for more than 7 years and it states on the report that it will continue to be active on or around 2010 which will make it ten years. Is there any way that I can dispute this? Any law that was passed? If so who do I contact?

2007-05-23 08:28:04 · 8 answers · asked by Anonymous

I placed an order, and was charged for the entire amount. One of my items was on backorder. It has been on backorder for over a month, yet I was charged for this item. They have said they will credit me, if I don't want it, but still I have $50.00 that I should not have been charged for.

2007-05-23 08:03:30 · 7 answers · asked by mmkts 1