 How do I raise my credit score? |
| So as a teen I screwed up some, landing me 3k in debt and boasting a score of 580 :( :( so im 22 now and I really wanna fix this. what do I do?... |
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 Are my Credit Cards being fair?? |
| I just called to ask my credit card companies to lower my interest rate, and they said they can't do that until I get back into my limit. I am only 200 dollars over my limit on both, and my debt ... |
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 Fiancial Advice for someone who is in big trouble. What should my friend do? |
| My friend's parents are in debt 2 Million dollars because of some bad investments. They are trying to pay the mortgage on their home. The mortgage is 10k per month. The husband just lost his ... |
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 Is it legal for credit card companies to increase interest to 34.9%? |
| queried why payments were increased and was told interest rate was increased by 10%.... |
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 I have POOR credit and need help? |
| I have POOR credit, and a small debt. Because of my credit I can't get a loan, and because the debt is small I can't do consolidation. Is there any other offers I could take advantage of?... |
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 Can someone check my credit without my social security number? |
| I am applying to rent an apartment and the advertisement said that there was a credit check. The application doesn't ask for my social security number. There is no application or credit check ... |
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| Debt recovery? |
| My son has left home owing monies to a major credit card company..his address for this debt is my own and my wifes. we do not have any contact with our son as he just got up and left with no contact ... |
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 Do I have too many cards open that may be hurting more credit score? |
| I have 2 credit cards that are activeted and1 that is not activated. The first card was activated 07/07. The 2nd 09/07 and the 3trd one is open (againts my wises) but not activated 10/07. I also have ... |
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 My remaining balance on my credit card? |
| remaining credit balance on my Banco De Oro Shop More credit card number 5125 7102 7540 5101... |
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 Can a collection agency look into your credit report without your consent? |
| This morning I found a new inquiry made by a collection agency. Is this legal?... |
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 My family used my credit card? Help! |
A sibling committed fraud in my name, with a credit card, over $10,000.
What are the consequences, if I report it, or decided to do nothing?
Please, answer seriously. I don't ... |
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 Credit Card Fraud? Please help!!? |
| Hello, I have been using godaddy.com for stuff a couple days. I have only purchased 2 items on godaddy.com, which was Hosting plan-1 year for $38(with 10% off) and $8 domain. I even have the receipt ... |
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 Job centre crisis loan? |
| Has anone had a crisis loan from the Job Centre? How much did you get? What are the terms of re-payment?... |
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 Can someone tell me the consequences of going bankrupt? |
| I'm in too much debt and unable to pay it all and can only see the way forward is bankruptcy, not sure on how to do it and i dont no the full consequences of doing this. can anyone help?... |
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| Free Credit Report? |
| I keep seeing the commercial on TV about freecreditreport.com, but then it asks for your credit card number for some kind of charge. How is that "FREE?" I will not give them my CC number ... |
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 How did someone get my credit card account number? |
| my credit card number has been used by someone. How do people get these? I have never ordered any thing online with this card, in fact I rarely use it.... |
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 I need a personal loan of $5000. My credit is bad. Don't want anything from overseas. Any ideas for me? |
Any type of loan will help. If needed, I can pay it back in a year. I just need the money for school and to fix my car. Like I said, I don't want anything from overseas.
Additional D... |
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Sharawnda S | A bill collector is taking me to court for a credit card bill that is at least 7 years old. Do I have to go? |
They have filed a complaint with my local magistrate, and they are asking for over $4000 which is the amount that has accumulated over the years in late fees and interest. I don't feel I should be liable for that much money, since it was a student credit card that had a limit of $500. |
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Celeste
 |
Every state has a statute of limitations on debt. The SOL is how long a creditor has to seek legal remedy for an unpaid debt.
You need to find out what the SOL is for your state and repspond to the court with this defense if it has expired.
More than likely it has, so you should check the summons and find out the process on disputing the debt.
You must respond and/or appear in court. If you do nothing, a default judgment will be awarded in the creditor's favor, whether or not you really owe it.
This link gives the SOL for every state:http://www.bcsalliance.com/statute_of_limitations_on_debt.html
Credit cards are considered "Open Accounts". |
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Studly
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Ya know what's interesting about these answers?
Two of these folks are collection agents...and the very first thing they state is "No, you don't have to go".....
They have lies and deceit so embedded in their brain they just can't help it!
If you do not go to court and fight this, the collection agent wins by default. No proof, no evidence.....the judge just rubber stamps "DEFAULT" on the judgment and you now have a garnishment on you.
The last thing in the world a collection agent wants is for you to show up in court.
Even worse, they don't want you to show up knowing your rights, and understanding the Statute of Limitation laws. Unless you tell the judge that this debt is beyond the SOL for your state, you lose again.
So I strongly suggest you do a bit of research on this...GO TO COURT...and demand that the creditor prove their case.
By the way, I can guarantee that most of those fees are illegal. Again, unless you challenge them they will be awarded to the creditor. |
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Crazyjester9
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I agree with Studly. Check into the statue of limitations and GO to court. |
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Naomi K
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Yes unfortunately otherwise they will probably reposses items you own and auction them off.This is called the 7 year itch they have 7 years to claim these things and time is running out so this is why they are taking you to court if you are working they can also garnish your wages Id go to court so you can workout a payment plan |
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edwardogden2000
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You can file a motion or response to the suit stating that the statute of limitations has expired for them to sue you for this debt.
Or, you could go to court and argue that the statute of limitations has expired and ask that the suit be dismissed.
Or, you could go to court and make them prove the debt it yours, what the debt is for, how it was calculated, that they own the debt and that they have the right to take you to court, etc.
Basically, the are expecting you to not show up or not present and arguement and get a default judgement or for you to contact them about settling the debt.
Good Luck |
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Ted
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No, you don't have to go. If you don't, the judge will only hear the creditor's side of the story and consider their story to be honest, fair, truthful and complete, because there will be no one there to tell your side of the story.
The limit is a limit on what they will let you charge. It does not limit their right to assess interest and fees that you agreed to pay hen you applied for the card. By making them go to court, you are causing them to incur attorney's fees and court costs, which they also have a right to add to your bill. |
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deedee007
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I agree it's a big rip off. After 7 years if you write to them and ask them to remove from your credit report, I think they have to unless it's something like a government loan. Sometimes you can get them to negotiate. But if you already have a court date and interest has accumulated, they may get a judgment against you. Do you have time to consult with legal aid, if you can't afford an attorney. Or if you can just afford the consultation fee for the attorney, that might be beneficial to you. Good Luck! |
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dale i
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YOu do need to go unless you want more interest to accumulate for not paying your bills as a responsible citizen. |
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Beverly S
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No you do not have to appear, however if you don't it's an automatic judgment against you & they can then garnish wages etc. Best thing to do is contact the creditor or attorney & ask for a payment plan instead of going to court. They may even settle for less than the balance. Make sure you can meet any agreement you make & get it in writing. Don't give your bank info. |
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