 What happens when your credit card expires? |
| Do you automatically get a new one in the mail, or do you haev to reapply for a new one. Bank of A... |
|
 What's a good, SAFE website or way to check my credit score? |
| I thought about freecreditreport.com, but I just wanna make sure that's safe and reliable. If not there, then where should I go? Thnks! 10pts Best Answer!... |
|
 Im thinking about filing chapter 13 and doing debt consolidation, any thoughts or experiences? |
| I pay all my bills on time (for the most part) but it's nothing but the minium, I was thinking about doing chapter 13 debt consolidation, is this wise?... |
|
 What happens when you can't pay your credit card, I owe more than I could pay off in a lifetime? |
| I owe 20.000 dollars@ 500.00 a month. I no longer can pay it.I feel extreamly bad, and scared of what might happen. My name is the only one on the account, I know it will ruin my credit , but will it ... |
|
 My boyfriend is concidering breaking up with me but is unsure, what do i do? |
We've been going out for two years and things have been rocky between us latly, i wont lie.
im still in love with him but hes unsure if he loves me.
He said either way he ... |
|
 I owe $6000 in credit debt, but i am unable to make payment. I am out of the Country right now and wouldn't be |
| coming back anytime soon maybe more than 10 years. Any suggestion about what i should do about this debt? I am not so worry about bad credit because i wouldn't need credit for anything in the US ... |
|
| Credit Score When Buying a Car? |
| Does buying a car affect your credit score? Does it go down because you've made such a large purchase, or up because you qualify to buy such an expensive item?... |
|
 Who in the HE** came up with the idea of credit checks to rent an apartment or house? |
| I feel that is a bunch of bull!! I am having a hard time trying to find an apartment or house for my family because I had a car repossesed. Now, thats crazy!! The reason I couldn't pay my car ... |
|
| Do I have to pay a bill from my doctor that I went to 4 years ago? |
I just received the bill of $400.00. I don't know the details. I know I didn't have any blood test as the bill claims. I only went to take care of my acne.
Do I have to pay ... |
|
 Could you tell me how to save money? |
| Because I always waste my money soon.... |
|
 Can we be turned over to collections even if we are making some sort of payment a month on the account? |
| There's a school account that we verbally agreed to make a monthly payment on for a certain amount. We fell short this month due to extra bills piling up so we made a payment that was less then ... |
|
 Plese tell me how bad or fair my credit scores are? |
| hi i would like to apply for a loan through a credit union (TDECU) but i'm scared my credit score isnt high enough. my future husband has somewhat good credit and is already on his second loan ... |
|
 Can debt collector file lawsuit? |
| ok yesterday i sent a debt verification letter to this debt collector. ive already talked to them once but didnt agree to anything or give any info. just so happens some lawyer i think has something ... |
|
 Anyone know a place to actually GET a loan with bad credit? |
| We want to, more or less, get a loan for debt consolidation. We screwed up in the past, and have never been able to catch back up again to do it "right" We've gotten our sh** ... |
|
 Credit score? |
| I have a credit score of 550 and I am trying to get it up. I have paid off the majority of all the stuff that was bad on it except a few Dr. bills. I tried to get a home loan and they told me that if ... |
|
|  |
Rina | A collection agency is demanding payment for a credit card I never had!? |
Federal Pacific Credit Company of Utah is demanding payment for a credit card I never had. I wrote to them and asked for verification directly from the "supposed" creditor and they sent me a bogus affidavit signed from the president of their own collection agency NOT from the actual creditor! Is this valid? I wanted actual proof from the creditor and they failed but presented an affidavit. To me, that is not proof. Anyone can write an affidavit. What are my rights? What can I do?
Additional Details
NOTE: Federal Pacific Company is the collection agency |
 |
 
Sgt Big Red
 |
You can spend all your time writing and going back and forth but the easiest way is to save all paperwork and ignore them.
Don't speak to them, they are junk debt collectors and usually try to collect a time barred debt. They have no legal recourse except to harass you. If it were a legal debt, they would have taken you to court by now.
If they show up on your credit report, just send copies of your request for verification to the credit reporting agency and copies of what they sent you. This will get the item removed from your report. Make sure they don't try to re-date the debt either, that too is illegal CITE: 15USC1681s-2 |
|
redenz40
|
Write to them telling them to either provide the original contract with the original creditor or take you to court, and to stop calling you. If they cannot produce the original contract they have no leg to stand in court. We are handling a case just like yours. |
|
kjsouder@sbcglobal.net
|
You need to obtain a copy of your credit report. Everyone is entitled to one free credit report per year. Either you are a victim of stolen identity or someone is scamming you. contact your local BBB as well. |
|
bigb
|
if you are confident that you never had this card then tell them that you are going to report the matter to the state attorney general's office.
that should make them run away.
but please make sure to obtain your credit report from one of the 3 agencies who by law are supossed to give you one free
of cost once a year
your credit report will show if you had this card or not |
|
shoesan
 |
I had this once. DENY, DENY, DENY it! Dispute it ad DONT GIVE UP!
YOUR NAME
ADRESS
DATE
PUT COMPANY ADDRESS HERE
Dear ____________________________,
I am writing regarding a debt you are trying to collect.
According to the Fair Debt Collection Practices Act(FDCPA), [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location! In accordance with the federal FDCPA, now that you have received this "stop calling" letter, you may only contact me to inform me that you:
• are terminating further collection efforts;
• invoking specified remedies which are ordinarily invoked by you or your company; or
• intend to invoke a specified remedy.
Be advised that I am well aware of my rights. For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805(b)2 of the FDCPA.
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me I will pursue all available legal actions to stop you from contacting me and my family.
Signature here: _____________________________________ Date:________________________
YOUR NAME |
|
Steveo
|
I had the same problem. They gave me the name of the creditor, I called them up and they verified I wasn't the idiot that they were trying to collect from.
They must give you the name of the company that they are trying to collect on. You can also have them verify the SS number, or previous addresses. I'll bet they just did a name search in the phone book and there you were. Since the SS numbers won't match, tell them to take you to court with the SS number of the person who they are trying to collect on, and then see who is the idiot.
Additionally, I would check on your credit report to see whether this is a case of indentity theft. |
|
bdancer222
|
Send them a certified, return receipt letter requesting VALIDATION (not verification). Indicate that you never had the credit card and the debt is not yours. Request they include copies of the contract or any other document that proves the debt is yours. If they cannot provide this kind of proof that the debt is yours, they should cease and desist contacting you about this debt. Give them 30 days to respond.
Chances are you'll never hear from them again. But check your credit report to make sure they haven't put it on your report. Dispute the item with the credit bureau, that it's not yours and the creditor failed to validate. Attach a copy of your validation request. |
|
Gertie
|
send them a cease and desist letter they have to abide by it and not contact you any longer it simply states you will only deal with the original creditor. In the meantime get a free copy of your credit report at www.annualcreditreport.com if you would like the wording for the cease and desist letter email me at fort_bragg_girl@yahoo.com and i will copy and paste for ya. |
|
Beverly S
|
Call them immediatley! By law you have 30 days to dispute & they have to provide proof of debt. They haven't done that. Ask for the manager at the collection agency & insist on proof. Good luck! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 6 minutes(s) ago
| | | |
9 | 28 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
10 | 4 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
8 | 8 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
8 | 6 day(s) ago
| | | |
9 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
