 Should I take out a 2nd mortgage to pay for my credit card debt? |
| My husband and I are in our late fifties. He is disabled and is on a set income. We only make enough money to pay a our bills. There is very little money left over for gas, groceries or everyday ... |
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 My debit card won't work at stores only atm? |
| why is that. its a student checking account with wachovia. It is always declined or something but I can get money out of the ATM... |
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| How do people get into such deep debt? Like over 10,000 dollars of credit card debt? |
Ok so I have seen questions about how people can get out of over 50,000 dollars of credit card debt. My question is:
How in the world can you get that much credit to begin with? Do they ... |
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 Just got a credit card from capitalone to get my credit started.? |
| I just want to know where i can use my card at b/c i need to buy somethings and was thinkin of using my card but dont know what stores accept it. Does Wal-Mart accept this credit card?... |
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 My credit score is low cause I don't have a credit card but I cant get a card because of low score. Help? |
| I am looking to get my credit score up and clean my credit. They say revolving accounts get your credit better but I have bad credit and can't get approved for a credit card. Even the crappy ... |
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 Does having a credit card cost money? |
I am getting my own credit card soon to help build credit, but I really don't want it to cost me much.
If I have no annual fee, and pay my (tiny) balance every month on time, will there any ... |
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 I NEED A LOAN TO CONSOLIDATE MY DEBT -BUT MY DEBT IS NOT BAD ENOUGH FOR CREDIT COUNSELING---ANY SUGGESTIONS? |
| I have tried to get debt consolidation help but every one just tells me they can't help me because my debt is not high enough!! I have been slowly paying what i can but am starting to sink fast--... |
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 Abbey National - Cutting my overdraft!! Please help? |
My ban k have sent me a letter saying that next month they are cutting my overdraft down from £1700 to £500!!!
I can't afford to pay it all of by the time they cut the overdraft limit and ... |
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 What do you think about payday loans? |
| I am thinking about getting one and would like to hear you advice about them.... |
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 Does it affect your credit score positively to pay off a loan early or not? |
| I have a car loan with a Credit Union that has a year or so left, and I'm curious if paying it off early will significantly effect my credit scores, or it really doesn't matter very much?<... |
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 Where can you find those American Exprees Gift Card things? |
you no like those things that r like temporary credit cards you can use anywhere or w.e.
DONT BOTHER GIVIN ME S**** BOUT MI SPELLING I DONT CARE... |
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 Can collection agencies try to collect a debt that is eight years old? |
| I received a call from a collection agency trying to collect on a debt that is 8 years old, dating back to 1998. My state's Statute of Limitations for debt is seven years. Can they still collect ... |
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 I want to buy a new car but my credit score is only 680. Is this good enough? |
| I also have on my credit report a few old debts and one judgment which is already paid and have a student loan on good stading.I will pay all of my old debts before trying to apply for a car loan. T... |
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 Am i building up credit this way? |
| Ive had a credit card for a few years now, and I pay off my credit card bills online. My in laws told me that if i want to avoid intrest charges I should pay off my credit card a week or two before ... |
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 Serious Credit Card Debt! What should I do? |
| I am a student with about 3 years left of school before I start making money and I have some serious credit card debt! I owe about $12,000 to Visa and about $7,000 to AMEX. Most of that money has ... |
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 How do you ERASE your credit history!!!? |
| As a young adult, I destroyed my credit and went bankrupt. Afterwards I have 1 credit fraud and cant prove it wrong without hiring another lawyer. I need the bottom line secret to cleaning my credit ... |
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| Can a debt be reported to the credit bureaus if I am making payments? |
| I have a $13500.00 debt that is owed for a rental car that was totaled in an accident. The rental car company wants their money for the car and I am willing to make payments, but they keep ... |
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~Eyes that POP!~ | Can a collection agency take you to court for a debt that is only $192.00? |
I keep getting a phone call, I let it go to voicemail and they tell me there name and they want to speak to me or my attorney? |
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Ronin
 |
They could. I doubt they would. It's a small amount. Bill collectors throw around terms like lawyer, and court to scare you to pay. You should pay however if you owe them or work out some payment plan. |
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Landlord
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Talk to them and find out what they want.
Sure, they can sue you for whatever money of theirs you have. You have 192 that belongs to them, they have every right to sue. |
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acermill
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They can collect for a dollar, if they choose. The size of the debt is not relevant. If you owe the debt, then pay it, and they will stop bothering you. |
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Clown Knows
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They can do what they want to do. First they contact the credit reporting agencies and report your bad debt. |
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~Lizzy~
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why don't you just pay it? I think they will probably just mess your credit up with it, I don't know that they could take you to court, maybe a small claims court. |
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oakhill
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Anyone that thinks you owe them money can sue you in small claims court for any amount. |
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Judy1
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They can. They might not for an amount that low, but they definitely can, and might.
For that low an amount, why don't you just pay it off and get them off your back plus keep the black mark from your credit. |
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stick man
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Yes they can take you to court for that amount. They probably have attorneys on retainer that make it worth it to chase small amounts. pay them or prove you don't owe it. |
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beauty s
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well yeah u owe them the money |
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Security Lady
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You can go to court over any amount- but...
here is the good news- you are in a good position to bargain. Call them and tell them you are ready to settle- then start with an offer of about 30% of the debt and work up from there. Tell them you want an agreement in writing that once you have satisfied this settlement that the account be removed from the report and not listed at all. That way you resolve the debt and take the bad mark off your credit- make sure you get in in writing. This saves them from paying their lawyer to go to court and they get at least part of what they are collecting on- oh and if the person who speak with won't take a settlement ask for a supervisor. Good Luck!!! |
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OC1999
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Yes they can. Since you would also be responsible for the court costs you could end up being sued for around $1,000 or more.
If you know who is calling you, and it is about a debt you owe you should talk to them. For $192 depending on exactly what it is you should be able to negociate with them to remove the item from your credit report if you pay in full.
Just what ever you do be sure to have any agrement in writting from them before you send them any money. |
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mrs.darkbladez
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Unfortunately, they can. But keep in mind, if you make an effort to talk to them, and work out a payment plan, they can't take you to court.
And, they will also say things to scare you so that you do call them.
Just give them a call. Get it over with, ya know? |
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