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| ....the person/company that takes your card details,do they keep the details of your card on their files/computers or are they obliged to delete/destroy your details after the items have been bought?... |
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| Owe around 80K, average of 10-15 K on each, Is it likley they all will sue? It has been over one year since I made last payment. I can try to borrow from family. What kind of a deal can I get for ... |
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| looking for a way to fix my credit without paying a credit repair company to to do ... |
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my mother 2days ago requested a free credit check... she lied online and she pretened to be me online so she could see my credit. is this allowed since she lied without my permission???
... |
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| When you apply for a loan or credit card, the creditor appears on your credit report. Is there anway to erase those inquires?... |
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| I am in need of a new car, as my current vehicle is gasping for life. I need to work out some financing, but have a problem: in my first year in college, I couldn't afford all my expenses due to ... |
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| Surely they can take court action, use collection agencies or threaten to send bailiffs to seize your assets, etc.... |
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LiL Jimmy | Anyone ever been sued for credit card debt??? |
Whats the process like?
I owe capital one $4,000. I will probably have to file for bankruptcy to dodge them or take a vacation out of the country for 5 yrs... |
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bpgagirl22
|
Here's my personal experience.
In 2003 I was in between jobs, my husband had just filed B. for himself, yes himself, and told me in no uncertain terms "I can't put you on my B. because your amount of credit is too high!" So, aside from the fact that he is a B-----d penny pinching selfish you-know-what, I took my chances and was forced by not working just to stop paying on my several credit accts. Then, after 2 more years of letters from them and then their Collectors + their harrassing phone calls, I get this "cute" little letter from the biggest creditor: C--- B--- of America, (you can figure out the name) which states they were filing a court case and taking me to court, at which point my "dear sweet loving kind husband" tells me "well, it's not MY problem, you made the credit, you figure it out!" so at that point I had been working a little part-time job of 6 hrs a day but not enough to get me out of trouble with my creditors and I was forced in 2005 to hire an atty. and stop them from taking me to ct. by filing for the big B. Nov, 2005, everything was discharged per the Bkrptcy Trustee Hearing. I and atty. both THOUGHT everything was fine and I was in the clear. NOPE! Fast forward to July 2006, I found out that one of my dear little creditors had marked my file not the blessed term of "discharged" per the Bkrptcy but the magnanimous term of "CHARGED OFF" which everybody should be aware means: "You are to them now a bad debt which has been in fact marked for life on their files as scum!" So I had to retain ANOTHER atty, only THIS time, this little bad boy was somebody they didn't expect! He was a Consumer Credit Counseling Atty who came on his training at his Atty Father's knee!
So, he did all the discovery, paperwork, even traveled to two destinations for the case and finally as we were about to go to deposition and trial (which most likely would have turned the credit world on it's @ss and I would have won!) they decided to settle and I was finally in his words "vindicated" because they didn't want the world to know what scum they were and they really didn't want to lose because they would have also been scum on the Credit Agencies!
Basically, I won my integrity back, I also made them relent the fact that they in fact did abuse their position with my credit rating and finally they realized that they either bite the bullet or I'd smear them royally in court big time and we would!
Just got everything cleared Nov. 2007! |
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MSAD
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Filing bankruptcy just to avoid a 4000 ...is stupid.
(not trying to be mean....just telling it to you like it is).
The hit your credit rating will take is not worth it.
You can pay off a 4000 debt. I have run my credit card up to 5000-6500 and paid it off several times. It sucks to do. It's not fun. It takes time. But it can be done.
Step 1. Stop spending - do not use the card anymore. Freeze it in a block of ice if you have to.
Step 2. Look at your expenses and see what you can cut. Can you get a cheaper cell plan, etc? Thati s extra money that you can put on the credit card debt. It will add up.
Step 3. Start putting all extra money on the card. You get a tax refund....yep....all of it goes on the card. Santa gives you 200 cash for X-mas.....yep....goes on the credit card bill.
Each time I paid off my card, it took a good 2 years to do it.
But if you stay focused ....it can be done. |
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SlimMick
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CapitalOne does have a history being more aggressive than other carriers in terms on suing.
The cost of filing for BK is around $1,500.....I would not file for BK with only $4K in debt. |
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Ted
 |
How will taking a vacation help? Are you aware that the Statue of Limitations gets suspended when you leave the jurisdiction?
Before suing you, they have to send a notice to your last known address. Nothing says you have to receive it. You can not use your failure to keep them informed of your whereabouts as a defense. After they sue you, the judgment will stay on file and allow them to seize your stuff when you get back. |
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Landlord
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They do not need you around to sue, leaving hte country will not have any effect. |
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Maltese Breeder
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LOL if you can take a vacation for 5 years, then you should pay your debt!
It will go to collection first, then to court, then a judgment for you to pay will be issued by the court, they will give you a time limit to pay it, and if you don't then back to court or jail, depending what the judge has ordered! Or bankrupt and mess up your credit if I just owed that amount I would call them to see what you could work out, tell them you don't want to bankrupt, and if they will work with you! |
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Jennifer
 |
Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate. Icame across this company on NBC News Special Edition.Check it out here:
http://yatuc.com/bid |
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bud68
|
It happens every day. |
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Christine F
 |
usually I think they will sue you but they may offer you a deal if you can pay 1/2 the amount they will take that amount & closeit out. |
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Elaine K
 |
I just got a warrant of debt from Capital One for 1K. I'm freaking out and am going to call them to ry to arrange payment. I can't afford a garnishment, they can take 25%. And this did come out of the blue...they never even sent my debt to collections.
I'dsay for you to call them and try to arrange something, the same thing I plan on doing tomorrow. |
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