Credit - November 2007

a lady from the collection agency hired by capital one told me they are putting a lean against my personal property and that they are going to garnish my wages and that they are going to send some paper work to my boss...can they do that in NJ? i have told them over and over not to call me at work but even when they say they dont call me at work, i have a co worker calling me and saying that the law firm was looking for me. i think hiring a lawyer is going to cost me more that my balance and im not sure what to do. can anyone help? please?

2007-11-19 11:16:29 · 10 answers · asked by mparzy 1

It was a startup company which I was offered equity in. Several initial expense reports were paid but then we had a show which all of the charges were on my card and they never reimbursed me before going out of business. The amount of $100,000 is well more than I am capable or willing to pay back! I would sue but I don't believe they have any money or assets!!! What can I do? Declare Bankruptcy???

2007-11-19 10:45:52 · 1 answers · asked by Credithelp 1

2007-11-19 10:24:38 · 1 answers · asked by orchard_littlejoe 2

i don't want to go this route, but any legitimate online payday lenders, i am between a rock and a hard place

2007-11-19 10:06:38 · 5 answers · asked by Ray S 2

2007-11-19 10:00:07 · 4 answers · asked by Susan B 1

Okay so I got the computer, and made payments on time , then I was having trouble with the computer and told them and if you know there tech support, its just a losing battle "dont get me started on that".......then LIFE happened and I could make the payments, I moved like 4 times in 6 months and they hunted me down in every place. So now Im in a finanical spot in life that I can continue to make payments and I tried to negoiate with them and they said "im in no spot to negoiate with them, that I owe them in full plus lawyers fees and they want the computer back? What can I do? Cuz if they get the computer back I still have the make the full amount. I feel like dumping the pieace of crap in the trash!! What can I do?

2007-11-19 08:34:44 · 3 answers · asked by Anonymous

i have heard of websites where u could do surveys and make money. are they true.. i know sum of them are a scam, can anyone send me sum real websites, the ones where i dont have to pay a fee to sign up .. 10 points to whoever can give me one

2007-11-19 08:03:37 · 2 answers · asked by DR.LOVE16 1

I had my debit card stolen...and someone used it...most likely someone i knew because you need the pin number. Someone really instrust worthy they spent like $300 on it so i called bank of america to get my money back because i didnt spent that. They sent me some afadavit that i have to sign and send back to them. They temporarly placed teh funds back in my account. What is the process they take to do this? Do they actually catch the crimminal or what? because they were tlelling me if i falsly claimed that i didnt do this that it or they dont find out who charged my card. That they could press crimminnal charges on me. But i didnt do these charges im jsut not paying for something i didnt pay for...

So how do they go about doing this process?
Will it stop being a temp amount and I get my money back?
Will they ever find out who did it?

2007-11-19 08:01:39 · 3 answers · asked by blah blah 5

Its a Mastercard from Capital One, the credit line is $300, 0% APR on purchases until May 2008 - 9.9% after that and a $59 annual fee. I have 1 other credit card, Visa from WaMu with a $500 credit line, 28% APR (HIGH). My credit score is 605. Thanks to answers I need to know whether or not to accept this or is there something better.

2007-11-19 07:33:01 · 14 answers · asked by Janessa 4

I am approx 30k in credit card debt. I need to know how to get out of debt. I can not pay more then the minimum balance which is all interest of about $1200 a month. I have applied for other cards to pay off the other cards but no one will approve me. I make a good salary and I have good credit but I can not get rid of the high interest rates. Anyone have any ideas on waht to do? I have already tried calling the card companies I have to reduce the interest rate, but they will not. I don't know what to do.

2007-11-19 05:48:38 · 4 answers · asked by dnelak 2

How can I remove my credit card info from my account information. I presently have two cards in my account I want to remove one of them
Penny

2007-11-19 05:25:17 · 3 answers · asked by PMK 1

2007-11-19 05:05:11 · 8 answers · asked by Jake P 2

I'm an Engineer who lives in California,
and I Design ComputerChips.
I lost my job a few months ago.
I have been looking very hard to line-up
more work and I have some possible jobs in the works.
Right now I am about 2months behind
on my car payments.
I have been talking to the creditor every week
to keep them in the loop on my job status.
I have-not been blowing them off in any way.
Yet I recently received a letter from them
saying that my failure to make payment arrangements
could result in my car being repoed.
Is there anything I can do to prevent that from happening
while I'm looking for another job?
Thanx!

2007-11-19 04:45:11 · 6 answers · asked by andybosik 5

I have my own Bussines... Because of the economy some people are not paying what they owe, I sent them letters but no answer. I want to know how can I at least affect their credit

2007-11-19 04:16:21 · 4 answers · asked by Anonymous

I am on the electoral role, pay my bills on time and have checked Credit Expert. I am at a blank? Does anyone know what else could affect this?

2007-11-19 03:55:10 · 18 answers · asked by Anonymous

I got a phone call from Asset Acceptance and I want to know what recourse I have to deal with them. They make me feel bad because of this.

2007-11-19 02:25:58 · 3 answers · asked by msbeetlejuice3053333 1

I have tried to apply for a Wal-Mart credit card online, but it keeps saying I cannot use a post office box... we don't have a street address to where mail can be delivered. It seems like every credit card company says no PO boxes... what if I don't have anything else?

2007-11-19 01:02:05 · 4 answers · asked by Anonymous

I have very bad credit. At least 3000 dollars worth of credit card and doctors bills. I am wanting to pay this off, and try to rebuild my credit. After everything is paid off, how long before the creditors(actually collection agencies in my case) take the points of of your credit, and do they even do this? Will it really help if I pay it off, or am I doomed? I want to buy a new house, new car, and get a credit card, but I cant ( even though I make good money) before I get married- which should be soon. I see creit repair agencies and debt consolidators, but have heard they make matters worse. I would like to pay off my debts, but if it doesnt help my credit score-I feel like I could spend the money on other things.( I am a single mother, while I make good money-I dont have it to throw around). Does anyone know what I should do?

2007-11-19 00:54:10 · 9 answers · asked by jjbowen428 1

My 7 years is coming to an end, and I need some advice on how to remove old bad credit from my report. I have to contact the account holder, but how do I do that without making the account active again. I understand not to include SS# , but do you have any other advice how I should go about this? What to say? What not to say? I really appreciate all the help I'm getting

2007-11-18 20:51:12 · 3 answers · asked by Tonya 2

I have a old closed account. It should be coming off my credit report in 2008, but I was told that it's 7 years from the last activity. and everytime it is bought from another company, that the 7 years starts over. Is there any laws protecting me? What can I do to stop this from happening and clear my name, other than paying for the account. (which isn't even mine, it was a dirty break up, not like the credit company cares. )

2007-11-18 20:18:26 · 3 answers · asked by Tonya 2

I am a college student and i only own 1 credit card which i monitor to keep on paying the bills on full amount to raise my credit score. However my credit score went down by 22 from last month. is this possible?

2007-11-18 16:31:10 · 3 answers · asked by staepuff 2

My bank applied 3 months of payments to only interest and nothing went to principle. Is it because of incorrect calculation by bank?

2007-11-18 13:41:23 · 2 answers · asked by Ram 2

I have a charged off account

Current Status: CHARGE-OFF

Account Owner: Individual Account

High Credit: $0

Type of Account : Open

Credit Limit: $0

Term Duration:

Terms Frequency:

Date Opened: 02/2006

Balance: $0

Date Reported: 04/2007

Amount Past Due: $0

Date of Last Payment: 08/2006

Actual Payment Amount: $0

Scheduled Payment Amount: $0

Date of Last Activity: 02/2006

Date Major Delinquency First Reported: 08/2006

Months Reviewed: 1

Creditor Classification:

Activity Description: n/a

Charge Off Amount: $0

Deferred Payment Start Date:

Balloon Payment Amount: $0

Balloon Payment Date:

Date Closed:

Type of Loan: Utility Company

Comments: Charged off account



Does all of that look correct or should I Dispute something
about it

Was wondering most about it being reported in April of 2007 when it was paid about a month after it was reported delinquent

2007-11-18 12:42:52 · 5 answers · asked by Charged off 1

Say I have $30 on a visa gift card and I signed up for a free trial on a website. The website puts a pending charge of like 9.00 on my card that will go through only if I don't cancel the free trial. And say I decide I wanted to buy something else and it came to $30. Would it take all $30 on the card or would it only let me take out $21?
thanks

2007-11-18 10:15:28 · 1 answers · asked by Amria W 1

I had a bank account closed 4 months ago. After my single account was closed, I had NO business or account relationships of any type. I emailed the bank a QUESTION if their checking accounts included billpay; I made no subsequent application. As a result of that question by email, they pulled my credit AGAIN through ChexSystems. All Chex inquiries are HARD inquiries, in that they show up to subsequent inquirers. They used my customer information from when I had been a customer months earlier to do the pull; I didn’t give it to them when I asked my question by email. There was no contract in force and thus no reason to pull my credit. Credit should only be pulled when you APPLY or to REVIEW an EXISTING relationship. Is this an impermissible inquiry and if yes, what are my options? Representing myself, can I successfully sue them for $1000 for violating the FCRA Section 616? Should I file this in small claims court and if yes, would they be able to remove to Federal Court? Advice?

2007-11-18 02:55:09 · 2 answers · asked by orange juice 1

i want travel to uk and my english speak is not good could you please tell me which button i should click to recieve money

2007-11-17 22:04:13 · 3 answers · asked by aryan d 1

Just need know before applying for one

Thanks

2007-11-17 16:09:29 · 1 answers · asked by skillipedia.com H 2

2007-11-17 15:31:23 · 6 answers · asked by Billy T 1

I went to a drug store and bought a prepaid VISA card and try to buy something online and I'm having problems buying it. What do I put in for the "My Name" section / field and for the "address" section?

2007-11-17 14:24:00 · 2 answers · asked by Keninho 2

long story short there is a judgement against me and my parents. my parents never went to appeal it and i never even knew about it so the judge ordered in plaintiff's favor. now they levied my bank accounts, and there was a letter in the mail that in 10 days they can come and do a sherrif's sale on anything that we own(we are in new jersey). what do they do, do you have to have a warrant, can they just come when they please?

2007-11-17 14:15:47 · 1 answers · asked by Anonymous