Credit - November 2007

are debit cards acceptable for purchasing music engines?

2007-11-03 16:33:10 · 5 answers · asked by Denise Matrangos 1

Can someone tell me where I can find the laws on bank error's and time limits...I had a bank error on 9-2-07 for 972.00 in my favor .. Due to the fact my daughter and my hubby were both paid that day and his checks range each pay day from 3100-4500 and hers are min wage checks but I didnt catch the error cause I always have good money in there and rarly keep a regiister which is my fault but now here 2 months later I have a benk error withdrawl saying they made error. I found the error they are correct but this hit me surprisingly now I could go in the hole cause of it due to that fact I wrote a check for a car on Friday. So if anyone can find a site to help me know if they can just do this since it has been 2 months now...NO I AM NOT TRYING TO KEEP THERE MONEY...

2007-11-03 16:02:07 · 7 answers · asked by SJ H 3

I allowed a family member to use credit cards to help fund a new business. The total amount charged was 20K. Initially the family member was making payment but recently he has stopped and now the payments are 4 months behind. The total amount due now is 18K. When asking for payments I get all types of excuses from this family member. What should I do?

2007-11-03 14:54:41 · 10 answers · asked by Tek 2

please tell me how.... and how i can improve it ?

2007-11-03 14:08:05 · 4 answers · asked by Anonymous

Previously, I was advised that all credit inquiries after 90 days can be removed but via a written request. What I would like to know is if that is true and if not what is the best way to have credit entries removed from my file after the 90 days that they are required to remain on a person's credit file.

2007-11-03 14:05:05 · 5 answers · asked by spencerb 1

I was summoned by Midland Credit back in Aug.2007. I went to court and agreed to pay $75.00 a month. I made the first payment in Sept.,but this past month I just havent had the money. All I make is 150.00 a week babysitting. I just got a letter today from the lawyers office and it said I had to pay in full now or they will take further actions? What can they do??

2007-11-03 12:25:38 · 8 answers · asked by luvinmjc 3

He owes approximately between $5,000-$10,000 to debt collectors. Even though we both make fairly decent wages, we definitely don't have enough money to pay it all back at once. Besides calling everyday, what will their next step be? He has nothing under his name, both of our vehicles are under my name as I have good credit. What would you recommend doing to solve this? Are debt collectors usually willing to work out some sort of payment plan? Thanks a lot!

2007-11-03 12:22:08 · 14 answers · asked by VDJ44 3

what do I do, my partner and family are unaware of my situation. I really need help..

2007-11-03 11:33:15 · 3 answers · asked by Anonymous

Sorry if it's confusing LOL My due date of every month is the 17th. I have a bill due of $47 that I took out from my credit card. If I pay that $47 before the 17th...say the 10th and I want to take out money again, do I have to pay that current money on the 17th or NEXT MONTH on the 17th?? Thanks in advance.

2007-11-03 10:55:47 · 6 answers · asked by ♥ Loving My Babyboy ;) ♥ 3

I've heard the more cards you use, the better it is for your rating. Is that true or not?

I just don't want to keep track of 3 different bills every months, and it seems easier to get rewards if you use everything on one card.

2007-11-03 10:50:08 · 5 answers · asked by Anonymous

2007-11-03 10:50:04 · 6 answers · asked by MadameRx 1

2007-11-03 10:30:03 · 7 answers · asked by MadameRx 1

I don't want any loans as well. is there another option for credit?

2007-11-03 06:55:06 · 23 answers · asked by kitcatss 2

In January we had excessive vet bills (15K) for our puppy and eventually had to put him to sleep. We fell behind on our credit card paymens and havent made a payment in over 6months. My wfie is due for our first child in May, and I don't know what to do. All the credit card companies must have sold our debt becasue now we just get collection notices. Does anyone think there is a chance they won't sue if we don't pay. we have about nine cards for a combined 90k in debt. How long til the collection companies sue, and do they always sue?

2007-11-03 06:20:30 · 8 answers · asked by dlynk196 1

my mom is declaring bankruptcy..and when i was younger she got me a credit card so i was cosigned under her name..will her declaring bankruptcy affect my credit score and make it bad..say if she maxed out my card..and since she declared bankruptcy..will it make my credit bad because wouldnt it mean that i didnt pay it back.. I am not familliar with this..Can someone help please

2007-11-03 05:41:22 · 9 answers · asked by girl 1

if a business wants to recover a debt owed by its debtors, it chooses to use letters. I know letters are formal and professional but what other reasons are there that businesses use letters?

2007-11-03 05:19:37 · 8 answers · asked by Anonymous

Me and my wife, around a month ago had a substance abuse problem. Since then we have been clean. And are trying to fix our outstanding debts. I recently have been reading on here about how serious bad checks are. And having 10 out ourselves I'am scared my wife or me may open our door to a police officer one day soon. I'am trying to find ways to pay these bad checks off asap. I just want to know if most places will send a return check to a prosicuting attorney and if so will you recieve notice in time to pay before being arrested. I' am serious about paying my debts back and the last thing I need right now is for my wife to go to jail.

2007-11-03 04:38:55 · 9 answers · asked by Anonymous

I lived in Nebraska in 2006 and opened an account with Aspen, trying to build up my credit. I moved to Iowa in Aug 06 and they began sending my statements there. When I moved again within Iowa and called to tell them, they told me they do not service Iowa, and closed my account. And to boot, they socked me with a $100 annual fee in July. Why would they service an account in one state, but not another? Also, can I rightfully duspute the $100 fee? Can I rightfully dispute their $6.50 monthly account maintenance fee, since they closed my account? Also, since it was closed, will it reflect negatively on me if I continue to pay until it is paid off? If they would have closed my account last year when they were notified I moved to 'a state they do not service' I would have never incurred the fee. I would ask a CSR, but none of them speak English very well. I thought about writing a letter to the dispute department.

2007-11-03 04:06:55 · 4 answers · asked by Angie 1

Would a bank allow you to loan an amount that is less than ... say 3000 and have a steady partttime job.

2007-11-03 00:16:43 · 3 answers · asked by santos_militar3rd 3

is there any negative affect to anything if you make multiple credit card payments in a single month ?

2007-11-02 19:51:56 · 4 answers · asked by Anonymous

i want a loan to pay off all my credit cards. i dont have any equity, i am in good standing with creditors, no late payments no phone calls ect. is there anything i can do? i dont want credit counseling because we are in good standing. are we SOL?

2007-11-02 18:20:26 · 7 answers · asked by nikki12676 2

I was given 10 days to respond to the petition. They are asking for 1500.00, I believe this is an old credit card that went to collection that the available limit was about 500. I need to write a responce but I do not know what to write or if I should get an attorney, an attorney will probably cost me more than the judgement. I am in Texas.

2007-11-02 16:32:11 · 10 answers · asked by stayc8002 1

if, my boyfriend and i opened a checking account together and he was the head of the account , even though i wrote the the check for the loan would i be resposible for the loan,

2007-11-02 15:31:07 · 9 answers · asked by Anonymous

For bonus points - when was it that France decided to do this while England dug down and paid it off? (It was after some war...maybe Spanish Succession? Or Austrian?) I'm not trying to "quiz you", but I learned these and forgot them. xD
I need it for a big public forum debate tomorrow, so timeliness is appreciated. :D

2007-11-02 15:02:46 · 4 answers · asked by Collin L 1

2007-11-02 14:35:54 · 3 answers · asked by Anonymous

2007-11-02 13:44:47 · 3 answers · asked by flyingprimate 2

where can I find a FREE credit report site, no trials or registery required.

2007-11-02 13:30:51 · 5 answers · asked by Anonymous

apparently I applied for a credit card with Capitol One Bank in 2000, I just looked at my credit report and the collection agency they are using to try to collect this debt ran my credit in 2007, if i did in fact apply with Capitol One in 2000 did I sign anything letting them have a third party run my credit, I know there applications are very long?

2007-11-02 13:26:18 · 2 answers · asked by Mark V 1

I am considering seeking legal action against a debt collection agency
called Westcott UK but i'd thought i'd see the opinion on the matter online
first and if you can help.

I myself have never been in debt with this company or the company they are acting on behalf - Provident.

My mother and father have. They do not live with me and have never
lived at my address. In fact I don't even see them. They have not
given my address either. But Westcott have searched Experian and found
that I obviously used to live with them at their old address and now
i'm at my own address and they can't find my parents so they are
sending letters to my address addressed to my parents. They call it a
family link!

Surely this is illegal?

My husband and I have told them on numerous occasions that they have
never lived here but they continue to send letters and now have got a
solicitor firm involved threatening to send balliffs around!

Any ideas?

2007-11-02 12:55:18 · 14 answers · asked by jonatey 1

I'm trying to see if any one has stolen my Identity.

2007-11-02 12:25:37 · 4 answers · asked by Anonymous