 Using a Credit Card to Pay Off a Credit Card? |
Does anyone know a way to use a credit card to pay off a credit card and in the process no interest is accumulated?
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Lets say I have two credit cards. I use one and ... |
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 PayPal, eBay question? |
Does the seller have to pay the PayPal fees if I pay for an auction item with a credit card through PayPal? Are there any other rules on this for eBay?
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I have a ... |
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 Should I ditch Capital One, and get a new credit card? |
Hey Guys!
I'm Alex, and really need your advice on this subject. I currently have a Capital One Visa credit card, but seriously thinking about canceling it because I've heard so ... |
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 My husband filed bankruptcy before we got married, I need a new car..........can he cosign for me? |
| I need a new car and I need a cosigner, come to find out, my husband filed for bankruptcy and he didn't even told me until now. The good news is he is about to get discharge, but I need a new ... |
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 Is Debt Settlement a good alternative to bankruptcy? |
| Does Debt Settlement restore your credit in fewer years than bankruptcy if your can't afford debt consolidation?... |
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 Should I get a credit card? |
| I am 19 years old and I want to build my credit up. Would it be a good idea to just get one credit card, a very basic one, and then charge about 50-100 dollars a month on it, and pay it every month. ... |
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 Is a credit card safer than a debit card? |
I know what the difference is in terms in getting credit, but not that is what I'm interested.
I want to know if its safer, for example I've heard that if I make an order using a ... |
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 My parent's credit score isn't good enough for me to buy A new Computer! What do I do? |
| OK, so I'm 14 and we have a family PC that is really crappy. I want a Dell that is only 18 dollars a month, which I can afford. But my dad says his credit score isnt good enough, so I have to ... |
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 Since I paid off 3 credit cards, should I just outright cancel all 3 of them? |
| I have 3 store credit cards that I just paid totally off this week. The only other credit card I have is a Amazon Visa. Since the Visa has a lower intrest rate than the store CC I carry.......it is ... |
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 What is the best credit card for me, I have very little credit? |
| I am trying to get a credit card to start my credit, but so far I hve been denied by Capital One and Chase (Master Card.) I am a full time college student and I don't have a job on the books. I... |
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 Payoff Closed Credit Card Account? |
| My credit card account has been closed by the creditor, but it has a balance due in the amount of $908. I'm working to clean up my credit report and payoff any outstanding debts. Should I pay ... |
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 How good does your credit score have to be in order to qualify for a car loan? |
| I want to trade in my car but I don't know if my score is good enough. Its at 687 right now ... |
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 Do credit cards improve your credit score? |
| Im trying to improve my credit score, (which is in the medium poor range), I just opened an unsecured credit card with a small credit limit, (300$), I was thinking of opening another small acount, W... |
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 Bad credit car loan? |
| Okay i have awful credit from past young stupid mistakes. I make great money now and could easily afford a car payment. however, i cannot find anyone willing to take a chance. i realy wish you ... |
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 I have a credit repair guy that says he can remove slow pays etc etc from my credit. for a fee.? |
| Personally I don't care about the ethics behind it I just don't want to get ripped off. He says he can do it for about $300. Anyone out there have any luck with credit repair??... |
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 My bank notified me that a check I wrote was returned. What do I do now? |
It was for a credit card payment to Target. Do I need to go there or will that contact me or will they just try to re-deposit it? I have the money to cover it in my account now.
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clfton1 | Can a collection agency garnish your salary or threaten jail for an unpaid bank credit card debt? |
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riotgrll
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In order to garnish your salary they have to get a court order. You cannot go to jail for debt anymore, but if you knowingly wrote bad checks against the account but that would still have nothing to do with a collection agency They also cannot harass you at work as long as you provide a valid phone number for contact.
What they can do is adversely affect your credit by reporting the bad debt. You will pay higher interest rates for car loans and mortgages.
The worst thing you can do, as with any debt, is not to communicate with the creditor.
Here is a link to a helpful guide. http://www.wdfi.org/ymm/brochures/credit/debt_collection.htm
Best of Luck! |
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Kevin K
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No, you cannot go to jail for debts. There is no debtors prison! However, they can garnish your salary if they get a judgment. |
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Reannon L
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I work in the Data department of a collection agency and I know that they can garnish your wages by taking you to court. They will make you pay court cost and attorny fees, etc and also get to garnish your wages. And the thing about jail time is false unless you lived back in the Regency era of England there was a Debtor's prison. Anyhow, offer to pay monthly for example my company only accepts the min. of $25. a month but ask your company that you owe the bill to. |
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Diaper Delivery Services
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No, But they can garnish your wages from your payroll if you don't pay them. |
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luciousgreeneyedlady
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a collection agency can sue you and get a judgement to garnish your wages but they certainly can not put you in jail. |
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Larry L
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Yes they can garnish your check but I do not believe they can put you in jail. Work out a plan with the card company and pay them their money. |
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D S
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Yes, your salary can be garnish your wages with a court order. There are guidelines as the percentage of $$ that they can collect from each payroll check. Credit cards are low on the list of collections. The only leverage that a collection agency has is to put pressure on you to pay up. Child support, back taxes, lien come before credit cards collections.
In the United States no private company can demand that you go to jail for none payment of a credit card.
Below are links to Stanford University and some of the basic questions about garnishments. |
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JUSTME
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I think in the contract you signed wayyy back when, you gave them permission to get their money back in whatever method they care to use. Sorry. |
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BritLdy
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You cannot go to jail from not paying your debt. They can in some circumstances garnish your wages, but that is only after they get a judgment from a court. It is also against the law for any collection agency to threaten to jail you. |
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Ezra Zane
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I used to work in Human Resources, and I saw garnishments come in about every week. Not only will you have to pay the debt, but you will also have to pay the court cost. They can garnish up to 50% of your net pay. My advise is to pay the minimum, and if it goes into collections, then offer them 10 dollars a month, Hey, that's a lot better than getting garnished. |
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Linda D
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A collection agency can ONLY garnish 25% of your salary. You'd need to contact an attorney if you've been threatened, by a collection agency, to send you to jail. |
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Larry m
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They can put a judgment against you and it's up to the court to set a garnishee |
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