Credit - July 2007

Hi. Someone who owes me a lot of money has not replied to my voice messages for a while. I don't know her address, I only hav eher telephone number. She has been avoiding me for obvious reasons. She had promised she would pay me back after I had taken out a loan for her. She was paying in monthly until a few months ago. What is the best way for me to recalim the money (the loan is in my name so there is no paper trail or evidence that I got the loan for her), I only have her mobile number. Thx.

2007-07-29 06:41:48 · 25 answers · asked by Hasan 1

As the company bookkeeper reviewing delinquent accounts receivable, you find that a relative of yours has not paid his account amounts of $550. You know that he has been experiencing financial difficulties, and so you set his account aside and do not include it with the other past due accounts sent to a credit collection agency. Comment on this action.
Respond

2007-07-29 06:19:41 · 4 answers · asked by shawnta e 1

This came from an attorney representing a credit card company demanding over $6000. I knew that there had been a figure of $3300 at the time. But this a figure that I don't agree with.

I was forced out of work at the time and I couldn't even pay the minimum payment so finally the bills quit coming in.

Shortly thereafter I retired and only made less the $600 a month. This amount could only provide me with the necessities
of existence. This puts me in a dilemma.

After a period of time my credit was reestablished

I pay on 2 credit cards now and pay more than the minimum each month.

But this attorney threatens my credit rating if I don't start to pay up. I have 30 days and counting to answer his letter..

I would appreciate some information from financial people or attorney's that may provide a way to resolve this.

I have heard of programs that can wipe out accounts like this.

I have also heard that it is illegal for banks to extend their credit
through Credit Cards!!!

2007-07-29 06:10:46 · 6 answers · asked by dVille 4

hi All,

I wonder if someone could offer any advice. My sister purchased a car about 9 months ago and took out finance on it. She managed to persuade my mum to go guarantor on the payments (as she has a poor credit history). She bounced the first payment so the finance company called my mum and she immediately got the Direct Debit put through her bank account to ensure the money went out every month.

However, since then, my sister (who lives at home and is turning in to more of an adult brat by the day) has not met one payment and my mum has had to pay the finance every month (my mum pays everything on time and the thought of having a payment that she's even partly responsible for being missed would fill her with horror). However, she has retained full use of the car despite not paying a penny for it.

Question is, is there anything my mum can do? Will the finance company let her sell the car? I'm not sure as my sister is the registered owner and keeper?

thanks

2007-07-29 04:45:42 · 11 answers · asked by paterk2 2

Supple is a great game.

2007-07-29 03:58:04 · 1 answers · asked by animal lover 1

2007-07-28 23:09:44 · 2 answers · asked by Anonymous

I have a Checking/Debit Card from Washington Mutual and I was wondering if I go out shopping to buy about like 2 Lacoste Polo Shirts and I choose Credit for my Form of payment....Will I receive a bill from my Bank to pay off the Payment spent on the Lacoste shirts?

And if the Bills do come in will it raise my Credit Score?
I'm only 17

2007-07-28 20:35:10 · 5 answers · asked by ragde540 1

I went to an average (not pricey) restaurant for dinner with 3 other people. I paid with a credit card. On the slip, I added 14% tip. At the time, I didn't know how much % tip I included, but I knew the service had not been good. They screwed up my father's order, almost gave me the wrong plate until a table across the room hollered at the waiter since they recognized it as their order, took a long time to bring back a to-go box, and never actually gave us the bill after we had to ask for it. So I actually walked up to the front register (although I don't think they check-out patrons that way normally) to run my credit card. I wrote an amount on the tip line, the grand total, and signed. When I checked my bank statement, I find they over charged me by $2. I don't understand this, other than it seems the new tip amount would be 20%. I didn't see any signs posting this service amount. If they require 20% tip, shouldn't they just add it to original bill so I know?

2007-07-28 19:20:51 · 8 answers · asked by citrus 1

Advice based on personal experience please. Website links helpful and appreciated. I want one that reports to Credit Agencies. A monthly and low annual fee OK if there are not a lot of misc. or hidden fees. I am looking for a secured credit card rather than a prepaid card because I want reports and because I want to get interest paid to me on the secured amount (like a savings account). I intend to pay it off each month so interest rate charged for use is not first priority. I do want personal experience or web research and I do not want spam or scams or soliciters. Thank you.

2007-07-28 18:49:19 · 8 answers · asked by Over The Rainbow 5

I'm thinking of getting a Blue AMEX card for students as oppose to a visa from my bank. Are they better for ur score since I think it's harder to get?

2007-07-28 18:04:50 · 7 answers · asked by Anonymous

2007-07-28 17:48:57 · 4 answers · asked by Robert C 1

can they go after you after 10 years for bankrupsy and 10 years for non payment

2007-07-28 17:48:57 · 6 answers · asked by pandora 1

Once she turns 14 she want to get a part time job making about 21,600 by the time shes 16. When she turns 17 shell get a full time job so that will give her 28,800 by the time shes 19.Plus she plans to get a summer job at 16 all the way tharouhg 18 giving her 5,400.In total by the time shes 19 she'll have about 56,000. Do you thinkshes over her head?

2007-07-28 17:29:40 · 12 answers · asked by [K]nee[C]oal 1

I was charged $2,000 for a 4-mile ambulance trip, and my insurance paid $520. Now the EMS company wants me to pay the balance. I think the charges are ridiculous, and I wonder if they would write off the balance since they've gotten some money out of my insurer?

2007-07-28 16:37:03 · 5 answers · asked by Tanner 2

I've tried calling all three agencies, I've tried their web sites, and I've tried that annualcreditreport.com site--which just takes you back to those three agencies. The screens time out or something every time. Each person by law is supposed to get one free a year so what's the secret, anybody know? Every one of these sites is in-your-face with buy this or buy that--but so far I can find nothing to click on for the free one. Thanks!

2007-07-28 16:28:55 · 8 answers · asked by Anonymous

I work the Insurance side and the Debt is on the credit card side.

2007-07-28 16:05:09 · 6 answers · asked by sredfishcraw 1

SORRY TO REPOST MY QUESTION IS NOT RESOLVED.
I'm thinking about filing Chapter 7 but do not know if im eligible. Here's my situation, I make 19k a year which is below the median; I have no property/assets or savings. I owe 23k on the car and 18k on 3 credit cards. If i sell the car I still owe 8k. I tried to negotiate with my car's creditor and that's the best rate they can do. The reason why I want to liquidate my debt is because I want to go back to school full-time. Save money and rebuild credit while in school. If i continue paying my debt (5 more years) I will not have savings and an education. I don't mean to be a deadbeat on my debts but this is the best solution i can do in order to straighten my life, financially and responsibly. I don't want to do Chapter 13 for my credit card debts-- this will waste my time, money and get a ruined credit report. Question is if im eligible to file CH.7
I'll face the consequences: lawyer fees,bad record for 10 years, higher rates.you name it

2007-07-28 15:51:50 · 7 answers · asked by Dennis L 1

Even the place that I work at doesn't accept Discover cards... what's going on with that?

2007-07-28 15:34:59 · 4 answers · asked by Ping 1

I went into the frickin Gap and they asked if I wanted a Gap card, which I stupidly assumed was a membership type thing, only to find out after the fact that I had just opened another line of credit...I have perfect payment history and I only have one credit card, would it be better just to keep this line of credit open and not use it, or just cancel it, in terms of how it would affect my credit score?

2007-07-28 14:46:08 · 7 answers · asked by numberforty1 1

I have been on this up and down rollercoaster with my credit. Just at the beginning of the year my credit score was a little over 600, now it was ran a couple of weeks ago, and now the median score is a little over 550. I dont get it, I am on time with my payments, and I have not applied for any other credit cards or loans. I have signed up for a credit company that professionally disputes items on my credit report. Was that a good move? I also disputed items myself a couple of months ago, and SOME items were removed, but the score had not been updated yet, so how long does it take to update my score number. HELP! We are trying to buy a house in a year, and we will be making a lot of xtra income, is it better to pay off 1 of the 2 cars we have or is it better to save the money for a down payment. Oh another thing, we area single income family as I am a stay at home mom, and I intend to stay that way. So whats the best thing for me to do?

2007-07-28 14:22:31 · 8 answers · asked by etrombetta41402 1

I have not had/needed a credit card, or loan for the past 13 years. Paid cash for my new car. Rent my apt. from a small land lord. Employed for the past 15 yrs at the same job w/ above avg salary. I have 401k, investments and tens of thousands in the bank. Would credit bureaus even know i exist?

2007-07-28 12:01:22 · 5 answers · asked by steve.57343 5

OK, i looked up my credit report and i have about 4 "bad"things totalling around $1000. **all are hospital bills that i dispute**
and 9 good accounts, my student loan debt **there are 9 that show up and all but one is paid off-none of them have EVER been late**

so why is my credit bad!? i couldnt get a credit card if i had too. not that i really want one. i just want to know how to increase my credit score?!?!?!

thanks for any help!!!!!!

2007-07-28 11:53:24 · 9 answers · asked by princessfionafantasy 5

2007-07-28 11:39:23 · 3 answers · asked by hysrchrd 2

At My account I could only change personal info. I did not get the option to chose managae my premium services and then the your payment information. Please help!

2007-07-28 10:50:01 · 3 answers · asked by Anonymous

I'm thinking about filing Chapter 7 but do not know if im eligible. Here's my situation, I make 19k a year which is below the median; I have no property/assets or savings. I owe 23k on the car and 18k on 3 credit cards. If i sell the car I still owe 8k. I tried to negotiate with my car's creditor and that's the best rate they can do. The reason why I want to liquidate my debt is because I want to go back to school full-time. Save money and rebuild credit while in school. If i continue paying my debt ( 5 more years ) I will not have savings and an education. I don't mean to be a deadbeat on my debts but this is the best solution i can do in order to straighten my life, financially and responsibly. I don't want to do Chapter 13 for my credit card debts-- this will waste my time, money and get a ruined credit report.

I'll face the consequences: Attorney fees, bad record for 10 years, higher rates.. you name it.

2007-07-28 10:13:52 · 5 answers · asked by Dennis L 1

I've reviewed different sites and they seem pretty good. I could get a credit card, but I prefer debit or prepaid credit cards. I really don't want one linked to my bank accounts. I'm thinking about a Visa prepaid. I want to know if anyone on here uses them and if I could use them in any store that accepts a credit card. ( They say it on the Visa site but I would like your opinion.) I like the idea of stuff being paid for and not having a bill at the end of the month. And the cards seem kind of cool too. Thanks.

2007-07-28 10:06:32 · 5 answers · asked by Anonymous

2007-07-28 09:02:49 · 2 answers · asked by Anonymous

How is it that people on the West Coast can be charged a late fee, even though their payment is paid on the DUE DATE, just because the credit card companies on the East Coast want their payment before their lunch break?? This has to stop and is very, very unfair.

2007-07-28 07:53:55 · 10 answers · asked by nettieKR 1

I am 20 years old and applied for a Chase Student credit card and was accpted. I've had that card since early 2006. Then comes First Premier credit card, biggest mistake of my life they are such a rip off. I got them in late 2006. I got tired of all the fee's so I canceled the card with a high balance. I also got a Platinum Visa Card that i wanna cancel but only had it a month with a high balance on it. If I dont have the money is it best to cancel both the cards pay off the balance and start over again with just my Chase Card which I've had the longest which dosen't have alot of fees. Im still young and dont intend on getting a mortgage or loan anytime soon. I wanna start over with one credit card. I also have a FingerHut credit account in good standing with 0 balance. If I cancel both the cards now, how long will it stay on my report?? What would you do in my situation? Please No copy and pasted articles or links, I wanna read real peoples opions and hard cold facts.

2007-07-28 06:53:12 · 9 answers · asked by Anonymous

I had a bankruptcy in2005, but now I get job interviews that are very positive until they see my credit and then all of a sudden they are not interested. I have children to support, but I am only able to find jobs willing to pay 12-13/hour. I can't pay my bills on that income, and it is illegal to live in your car in the state of Illinois. I have an AS in Accounting and I am currently taking online courses for my BS.

I also am without a residence right now and no appartments will take me. My credit history up to about 6 months before the bankruptcy was very good - and I am in my 40's.

Any suggestions will be appreciated.

2007-07-28 06:06:53 · 4 answers · asked by albinoblu 1