 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
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 There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
| Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. O... |
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 Where is a good place to get a car loan or a home equity loan if you have not so perfect credit? |
| where is a good place to get a loan for poor credit. my x husband ruined my credit now i need to get a car or a home equity loan any suggestions?... |
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 I wrote an entire book of bad checks up to $400 each. Where can I go for help financially? |
| I have a job. But it looks like I will need nearly $5000 to pay for my mistakes, and much sooner then I can come up with it. Does anyone know of a service that will help me with this? I have awful ... |
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 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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 Should I close a bad credit card? |
| I cut up two cards months ago, but after being unemployed I haven't been able to make the min. payments. I've been in contact with them, but wonder if closing the accounts will atleast ... |
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 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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 Is it Illegal for a bank to do this? |
My discover card payment is almost 300.00 dollars and only ten of it goes to the principal.That seems very extreme to me.Isn't there a law against this?
Additional Details
This is ... |
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 Is there something I can do (legally) about ridiculous credit charges? |
| I've been a customer with this clothing catalogue for a while now and I have a credit limit of £1,000 with them. However, I decided not to use that facility and buy on a pay-as-I-go customer. A... |
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 Does this seem fair for owner financing (on a house)? Or is the guy trying to make a few bucks? |
| My fiance and I have plenty of $ for a down payment on a house, but can not obtain a mortgage. A seller is offering financing @ 8%, and after 1/2 of it is paid (30k) he will give us a deed for trust. ... |
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 How can I avoid being served with papers, a debt collection agency want to sue me? |
I do not live at the address they have on file, can they sue me if they can't find me to serve me?
Additional Details
The explaination for why I have not paid the debt is very long..... |
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 I sold something on ebay and when i go to paypal it says i've received a payment...? |
...But when i log into my paypal account the balance is still at £0.00...Anyone know why? Cheers
Additional Details
Actually I have sold two things to two different buyers and on Ebay ... |
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 I have a credit card, but haven't paid them for over 4 or 5 months? |
| how can i get out of it? my limit was $1000. I owe them more than 900 Dollars. MOST of the money is from non payment charges. $30 a month. Even before the last bill i made, there were mmmaaannny ... |
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jriiselfc | A debt of over 15 year old? |
a debt agency says we owe money from 15 years ago! Can they still try and get the money back? |
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ascoile
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I had always thought six years was the limit.
You might want to check that with Citizens Advice Bureau |
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blcohen529
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If you are in the United States the answer is that they have a right to request repayment but NO RIGHT TO USE THE COURTS TO ENFORCE DEBT COLLECTION under statute of limitations existing in every State of the Union. Without the right to sue you need only to laugh them off and let them know they did not find a sucker.
YOU MUST NOT REVIVE THIS DEBT AND GIVE IT NEW LIFE...This can be done by making a payment on the old debt. You cannot admit or otherwise acknowledge this as a legitimate debt for the same reasons. ALL YOU SAY IS THAT YOU OWE NOTHING AND KEEP REPEATING THIS.
If you are pushed, push back with a threat to file a slander lawsuit and or report under the Fair Debt Collection laws.
With these clowns you can be as rude, vulgar and disgusting as you wish. Match their behavior with your own.
LET THEM KNOW YOU WILL NOT BE COWERED OR INTIMIDATED INTO A DEBT THAT NO LONGER EXISTS. |
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Lucifer J Satan
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Depends what country you are in.
In Australia it is six years for contractual debt. Even with court judgement the max is 12. |
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purpleplum
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Hi, i have never heard of any debt agency wanting money back after all this time, its too long, it should have been written of ages ago, go to the citizens advise beauro,(sorry about spelling) they will advise you, but i doubt you will have to pay pack after all this time, i.,m sure i wouldnt. good luck. |
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alatoruk
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they can try
there is no limit to the time at which a debt is payable. what there is, and a lot of the previous answerers have fallen into the mistake of quoting this, is a time limit after which they cannot ask a court to force you to pay it. That limit is 6 years after your last communication about it. So if you talk to them, admit you owe it, the 6 years starts again.
this is why stuff falls off the end of your credit history report after 6 years, no point reporting older stuff as its not legally enforcable. |
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old know all
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If you haven't acknowledged the debt, it's unenforceable. Just ignore them. If they make a nuisance of themselves, see your local Citizens Advice. They will sort them out without acknowledging the debt. |
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rookethorne
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In the UK, no. I believe the cutoff is 8 years.
Certainly nowhere near 15. |
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my16paws
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Is there truely a debt that you have not paid ? Rather than running away from you obligations, if there is indeed an amount owing, thet you did owe why not just pay what you owe. There seems to be too many people these days who just run up alot of debt that they just walk away from. Is it any wonder we have the current economic issues today |
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ANNE M
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i have all ways,understood it be 7,years.just ask cab, |
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jackie m
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Your debt are sold after 6 years to other collection companies, if you reply to their letters it is reopened but if you ignore them it will go away - they are chancing their luck. This is UK. |
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raysor
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I expect a debt stands for ever, even when you die. Has it been difficult to get hold of you? Have you been trying to evade the debt or your creditor? Has the creditor proof that they have been sending requests for payment? The statutory limitation thing of 7 years is for keeping records or making complaints, I think. I would seek advice from a qualified person.
Have a look here (it's still abit confusing) Seems the legal time limit is six years (this is for the creditor to get the money by legal means) but the dbet stands until it is paid or written off. http://www.payplan.com/debt-library/joint-and-several-liability-the-limitation-act-1980.php |
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