 Is a 592 credit score horrible? |
| That is my score, but I own a home and make over $40,000 a year. I was 30 days late on my house payment 1 time. I have one charge-off from 3 years ago, when i was broke, and 2 old phone/tv bills(... |
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 Can I make personal charges on my business credit card? |
| My car broke down recently and I need to buy another one, but I can't afford to buy one right now. I'd have to lease or finance, but I have a business credit card that has 0 APR for a year,... |
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 I want to open a bank account but have a bad credit rating? |
| Does anyone know where I can open a bank account where my credit rating wont be a factor - I dont want an overdraft, loan facilities or credit card...just an account and a debit card.... |
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 HELP! I'm being harrassed by creditors!? |
| I am very on time in paying my bills. About a few months ago, my employer at the time shorted my hours making it a hardship on me to pay my bills. The only thing that I could get by with is paying my ... |
|
 Returned an item and they gave me a gift card.....? |
| ok i bought a guitar pedal at this crappy/expensive guitar shop near my house and returned the day after and they gave me store credit on a gift card.... but there prices are ridiculos like the pedal ... |
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| Whats a good bank for students ?!? |
| anything other then bank of america. thnkx.... |
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 If I get married and I discover that my wife has $8000? |
credit card debt, am I responsible for her debt if the credit card
company decides to bring it to court? If so, that seems very
unfair. Any suggestions?... |
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 Out of these three what should i choose; if i am getting these free of cost!!? |
since i hv shown good results in my office(company)
i hv been offered to choose any one of these. its a type if gift for me:-
1) A World Space Satallite Radio
2)Dinner for family at ... |
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 I have a creditor calling me? |
| They want over 7,000, but are offering me a settlement of 2,400. They wanted it all at once, or in 3 payments of 800. I told them I cant afford that, and could give them 250 a month. Now they are ... |
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 I do not wish to have a credit card how can i get a debit card? |
| I am new to the U.K. And do not need to pay interest on any credit card I have never used one my whole life we have allways saved the money and payed cash but these days one canot be without a card ... |
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| New to the credit card thing? |
So, I got a credit card, and racked up a $470 bill, so before I got the statement I made a $200 payment.
I got the statement and it says they received the $200, and now I like $276 or something..... |
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Linda K | Bill collectors, won't listen to me!? |
Bill collectors keep calling our phone number! I have told them that the person they are looking for does not live here! They now have a automatic system and if you answer it kicks in. I want to get this stopped and tired of the harassment! One day I let the phone ring and it rang 35 times! Isn't this harassment? Does any one know what I can do about this? One day I even got in a yelling match with the woman telling her that he doesn't live here and they have the wrong number! Then they wanted to know his work number etc. I didn't give that out! Isn't there something I can do to these people also? |
 |
 
mallicoatdd
|
If you are tired of your rights being trampled on then take a step in the right direction to protect them... Obtain a PrePaid Legal Services Membership. Gain access to the rights that you have and the protection that you family deserves.
For more information visit the link |
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WENDY G
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Write the numbers down and call the phone company to have them blocked from calling you. |
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heathermama_tx
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Suggestions would be to a) Get a Tele-Zapper or b)change your #.
But why would you say you didnt give out his work info if the guy doesnt live there? DO you know this person? |
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Krustyart
 |
when they answer the phone sing silly songs to them and don't let them get even one word in. |
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hack_ace
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I contacted the phone company when I had someone use my number as their 'fake' number. I considered it harassment and told the person several times to stop calling. To no avail. Phone company investigated and the calls stopped.
Now if you actually owe money I'd hope they call you 24/7 until you paid up. If the person that owes the money DID live with you, then give the person's new number to the bill collector. |
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WhyAskWhy
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We also receive calls for people who keep giving out our phone number as their own. They weren't giving it out only to creditors but giving out our number as their own when ordering pizza, getting newspaper delivery, and even for a layaway at Wal-Mart. (Too bad for them my husband works in the very same store.) We have filed an informational report with our local police department (they are considering this "identity theft") and they have turned their investigative stuff over to the DA's office. I don't know if this will work in your case, but if it goes on and on and you're able to get the person's address, etc. then this may be one route to try. |
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benninb
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if it really isn't you, ask to speak to their supervisor, then get very nasty. Check with your local AG's office to check on the harassment. |
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homeschoolmom
|
Forget the BBB, you need the FTC - they're the ones who 'rule' over debt collectors. What they are doing is harassment and it is very much illegal. Get the name/number of the company (if you don't have caller ID, get it) and report them.
Also, you are not required to tell them anything you know, because they are legally prohibited from telling you the nature of the call.
The first link is to the actual Fair Debt Collection Practices Law (federal law). The second is where you file a complaint. |
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sarah
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get their names and call the better business bureau |
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ladysodivine
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Contact the Better Business Bureau. Look it up on line and they may even have a form on line you can submit. |
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pappa_15
 |
Try this, when they call tell to please hold and just set the phone down. WASTE their time just like they are doing to you. Then call an attorney to find out the legals in your area. |
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kvuo
|
tell them you're recording the call. they will hang up.
tell them about the fair debt collection act:
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm |
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PuterPrsn
|
Ask to speak to a supervisor, and then ask for their name, the name of the company calling, and their mailing address. Tell the supervisor that the person no longer lives there and you have no forwarding information. Add that if they call again, your fee for answering their questions again is $250 an hour, one hour minimum, and that you will be following with a written letter stating the same. Send them the letter (registered is best) stating the same things. Start a phone log and if they call again, send them a bill. If they don't pay it, you can take them to small claims court and get some money out of them for your troubles. |
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David H
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Send them a variation of this letter.
Name of collection agency
To whom it may concern.
After consulting with the Attorney General’s office and a private attorney, I have been advised to put you on notice.
In regards to CASE NUMBER: *******:
I contacted your office to resolve this matter and was treated to abusive language. As a direct result of my contact with your office, I was sent a letter by your office threatening legal action. I have also received numerous phone calls with intent to harass.
Under state collection agency laws (RCW 19.16) and The Fair Debt Collections Act (15 USC 1692) your office is in violation.
I do not wish any further contact from your office.
Sincerely,
Your name
Address |
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Infierno!
 |
Tell them specifically you do not want them to call you anymore, if you can record the calls (Radio Shack has excellent devices for this) Tell them you are recording the calls and if they continue you will sue them for causing you emotional distress (which you can). Also make a complaint with your local P.D. and Better business bureau |
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Amy
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You can place your phone number on the National Do Not Call Registry. You have not agreed to be called by these bill collectors. If they call you after you place your phone number on this list, they could face big fines! Check out the link below for more information. This is all I can think of right now, and hopefully it will help. If not, find out the name of the company that is calling, and write a letter! |
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