Credit - September 2007

i got a call telling me they ran a credit report on me and they were telling me what bills i was paying i had a loan over five years ago,with them how can they do this without my permission.

2007-09-19 11:49:38 · 6 answers · asked by grayladygranny 3

I am in financial ruin due to recieviing no child support for 7 months and am currently seeking the assistance of the State Of Fla Child Support Enforcement but they are telling me it's going to be Christmas before I can get a court date. This has been going on since May of this year. I have kept my nose above water for this time and now I am sinking I have contacted all of the credit counselors available including the United Way and because I have secured debt they can not assist me I only have 4,000 dollars of unsecured credit card debt. So since I have no chance of receiving help from credit counseling am I absolved from the mandated 6 months before filing bankruptcy? How does this work? And where can I find an Attorney at a very resasonable rate?

2007-09-19 11:33:00 · 3 answers · asked by flawolfchild 2

2007-09-19 11:20:14 · 5 answers · asked by Anonymous

I received a medical bill from out of state and then less than 3 weeks later (19 days to be exact) I received a 'Second and Final Notice' saying that if not paid immediately it would be placed with an agency. 19 days doesn't seem like a lot of time before getting a collection agency threat - is this legal?

2007-09-19 11:17:52 · 1 answers · asked by kever4 3

My brother had a car loan ($10,000) that he couldnt pay on anymore and had it repo'd. After trying to work with them, they decided to cut it off and take further actions. He hasnt received any letters but the last call was a wage garnishment threat. I know they have to take him to court and get a judgement first. He wants to know since in CA they can take up to 25% of his wages - can he fight that lower??? and HOW LONG does it take from the start of the last phone call to actually going to court???

He is not running from it, but wants to let his employer know ahead of time so they are not suprised and he also wants to lower his withholdings since he has other bills as well and needs to survive.

2007-09-19 11:13:06 · 5 answers · asked by misspinkmeow 2

I have a seriously past due account that has halted anything that has to do with me and credit. I would like to pay this and have them remove it from my credit history as I have read of this being possible. ANY help is greatly appreciated!

2007-09-19 11:09:58 · 2 answers · asked by ATLANTIS 1

I'm trying to help my aunt who got a notice in her visa card state-ment from chase, that said there'd be a new way of figuring her finance/interest & minimim payments, coming up. She called them for infor. on what this would mean for her so she could plan for any increase but the reps claim they dont know nothing about the form she got, no one will call her back, & she's lost as to where she can go to decipher the long complex printed & undated enclosure she got. I also don't know what to tell her. Where should I call to get help with the answer, then worry about major complaining at later date? Is there a consumer rights place or something? Anyone else get the notice, & how did u handle it? Hurry! Thanks.

2007-09-19 11:03:21 · 3 answers · asked by Anonymous

I just found a 4 year old bill from a collection agency in some of my papers. Thing is I pulled my credit report from all three bureaus yesterday and it wasn't on there. I would think it would be there by now.
Are the collectors not required to report debts or could it be that they aren't bothering because it would only sit on the reports for 2 years at this point?
I do owe the money. It's from an old phone bill.
I haven't received anything else from them since '03. Should I even bother contacting them or just ride it out and hope it doesn't show up on the credit report?

2007-09-19 10:18:18 · 6 answers · asked by what's the point 4

To be more specific, how about an eBay or PayPal Mastercard to a Platinum card?

2007-09-19 10:13:09 · 9 answers · asked by NS3458 1

if i go to a bank, and use a coinstar to get an amazon gift card (do all coinstars have that?), will it take some money from me? like if i put in 50 bucks worth of change, will it take like 8 cents per dollar?

2007-09-19 10:13:01 · 2 answers · asked by Darkendeavor3 2

Well so have I. There aren't very many times I get fired up enough to try and do something about injustice in the world. I guess maybe it just needed to hit home before I felt the motivation.

Sure, being harassed be a debt collector isn't the worst thing that could happen to you, but it's still pretty bad. Being treated like less than a human is never fun, no matter who you are. Even if you really do owe the money they are asking, you still deserve to be treated like more than dirt.

So I made a myspace page called "Collectors Beware." I'm going to keep it updated with tips, stories, links, etc. Even if all it does is bring people together that have had similar experiences, that's good enough for me.

Please add me to your friends if you like to

myspace.com/collectorsbeware

If we all know our rights and decide to take a stand against these practices, maybe we can make things better.

Thanks :)

2007-09-19 10:00:40 · 6 answers · asked by T the D 5

Hello!

I have a friend who lived in the US for a while. She left the US with $7,000 credt card debt. Now, she wants to come over for a vacation. Will she have any trouble at the immigration airport? Thank you for your answers

2007-09-19 09:38:30 · 3 answers · asked by Jagger 1

I'm in a major credit hole. I have about 25k in debt and only make about 28k a year. what happens if i stop paying my credit cards? can they freeze my bank account or take it out of my bank account? will I end up in court? how long does it take to fall of my credit? should I file bankrupcy? I have a morgage to pay which it most important so I can't pay both... whats the answers?

2007-09-19 09:33:01 · 11 answers · asked by melissarae2006 2

2007-09-19 09:26:11 · 8 answers · asked by mediastupor 1

2007-09-19 09:24:20 · 3 answers · asked by mediastupor 1

My 30 year fixed GFE 100% financing is @ 6.875% with One Point..... $185K is borrowed. $7,600 to close. the proposed payment breaks down : $1,215 princ/interest monthly with $90 PMI. Also, why does my truth in lending say the APR is 7.762% ??? Does this sound like smoke and mirrors, or the best deal available. Credit scores are well into the 730's employment A+++..no issues there!
I know I am asking alot but any help would be greatly appreciated since I am 27 yrs old with 2 youngsters to look after!

2007-09-19 08:59:00 · 4 answers · asked by george r 1

I am trying to better myself, I am trying to get licensed to do massage, take my ex back to court for sole custody of our daughter, I'm trying to stand on my own two feet. I am lost and need desperate help. Do you know of any agencies that loan out money for people like me? I have every intention of paying it back.

2007-09-19 08:00:05 · 3 answers · asked by tlimsisnw7 2

Are secured credit cards a good choice for people with bad credit? Where can I get a secured credit card online?

2007-09-19 07:38:26 · 0 answers · asked by Anonymous

My wife had a credit card that had a $2000 limit on it in 1994. She made payments on it for awhile, but stopped in 1997 when money was tight. She did not receive anything from the credit card company until 2000. She made arrangements to pay $100 a month and made them for 4 months until she realized that her principle was going up. She stopped paying again and argued that she could not continue to pay more than $100 a month, and that she was not going to keep paying to owe more. We bought a house last year and the credit card was on her credit report, with several late payments. But it also showed that it was current and was still owned by the credit card company. We have not heard from the credit card company since 2000, but that all changed last week. We started getting phone calls and letters saying that the account was sold to a collection agency and legal action would be taken if we did not respond in 30 days. Can they do this after 10 years or is it just a threat?

2007-09-19 07:33:16 · 14 answers · asked by Ray O 2

when i will get confirmation of my credit. so i can start to use yr service

2007-09-19 07:27:27 · 5 answers · asked by jay p 1

2007-09-19 07:22:58 · 4 answers · asked by Anonymous

I graduated from University of Phoenix last year.They say I owe them 3k - I disagree but just want to pay and be done. I have tried to make payment arrangements (with UOP internal collections) for $150 a month until paid off and have paid on time since I made the arrangements but now they are telling me that if I don't pay in full they will send me to an outside collection agency. Can they do this?

2007-09-19 06:28:31 · 8 answers · asked by chris g 1

I am thinking about filing chapter 7, and I was wondering how long - ish it takes before I start over again reestablishing credit and therefore raising my score. I guess I don't even really know what the score will be after filing. Any insight?

2007-09-19 06:21:54 · 6 answers · asked by sometimes 2

I have been pressured into purchasing a timeshare, and have lost $900.00 to date. After several lies and frustrations, I am ready to walk away. I know my credit will be jacked up for a while, but thats nothing new. I am concerned that it will actually show as a mortgage foreclosure as opposed to an installment loan.

2007-09-19 06:19:37 · 4 answers · asked by bigga6523 1

I've been reading different articles and blogs about paying off credit card debt and the one I like most is paying minimum on cards while you pay everything else set aside to one card and one card only until it's paid off. Then you pay minimum on the others while you move on to the next card and then the next.

I actually have quite a few cards, with rather higher minimum payments...
How detrimental would it be for me to not make the minimum payments (or any payment) on the other cards and use that lump sum to take care of 1 card in itself in only one month?
I have 4 cards that I could pay in just one month...if I didn't have to pay the others...

So I'm wondering how damaging it would be...
To skip paying all the cards next month...and pay one of the off completely.
Then the next month or two make the minimum payments and larger payments on the higher balance cards.
Then after a few months...not make any payments on a card and completely wipe out another card in a month?

2007-09-19 06:03:02 · 7 answers · asked by m b 1

2007-09-19 05:49:38 · 3 answers · asked by asmerriett 2

is me. THEN they said " our records state that you took out a mortage loan in april 2003" how did you finance this..

ANYWAYS I never took our a mortgage loan!!!!!! I dont even know what that is!!!!!! Does this mean someone stole my idenity??? Or is this just a trick question that they ask everyone???

2007-09-19 05:40:31 · 6 answers · asked by cuteness 4

I owe a large amount on my credit card and have not made a payment in sometime. I now have a lump sum of money and wanted to see if the cc company would negotiate on the amount owed. Much of that amount is late fees. Can anyone help me?

2007-09-19 05:36:54 · 6 answers · asked by cici 5

I owe 122 pounds can they take me to court for that

2007-09-19 05:06:36 · 9 answers · asked by D 2

how big of a loan could that get me?

2007-09-19 04:40:29 · 0 answers · asked by Lenzo 1