 We need to build credit? |
| My husband and I were turned down for an FHA loan - they said we would need a co-signer. They did tell us, however, that we should get a couple of credit cards to build credit. We have no current ... |
|
 Im in debt! Help!? |
| Does anyone know where i can get a loan to pay off my debt so i will just have one payment? Noone will approve me for a loan because my credit is so bad but i can't pay it off all at once and ... |
|
 SO hungry at work? |
and forget my entire wallet! No cash..no cards..no checks. Help.. how can I get food? any ideas?!!?
Additional Details
No I'm not new.. BUT I HATE asking people. I hate being that ... |
|
 I cannot afford to pay my medical bills? |
| I have a 1900 medical bill. I can only afford 100/month to pay off. The medical company is telling me I have to pay a minimum of 200/month and pay it off in 6 months. The extra 100 will not allow ... |
|
 What exactly is a balloon payment? |
| We're not speaking of mortgages here. Balloon payments are also for cars.... |
|
 Why am I not getting approved? |
I am a 19 year old student who is trying to establish credit. I know in my future that I am going to need a good credit score to rent an apartment, buy a car, etc, so I want to start now.
... |
|
 I have a creditor making threats- what should I do? |
| I have a credit card that I owe a fairly small amount on ($1200) but I am currently unemployed and looking for work, meaning I don't have the amount to pay it. However, the agency handling is ... |
|
 Is it common for credit card companies to call you to verify your social security number? |
| i just applied for my frist credit card at citigroup recently, & i just got a call from a private number. the woman on the phone told me that she was processing my application & she repeated ... |
|
 Are credit management companies a good idea to eliminate debt? |
| I'm going through a credit management company to help me lower my debt. I am about $15K in the hole with various credit cards and department store credit cards. I mailed out cease and desist ... |
|
 Will this hurt my credit? |
I had a credit card for over 6 months with a limit of $500. I always left it under $70 charged on the card and I always pay more then the minumum payment due.
But this last month I got it ... |
|
 Do you know the number for capitcal one, to pay a credit card bill? |
Additional Details
Are you lot being serious! I just need the number for it and I cant get onto the website for some reason, and it isn't on the back of my card!!... |
|
 Our credit scores are 520 and 580 - we make about 90000 yrly - can we get a mortgage in the next 6 months? |
| We filed bankrupcy in 2000 and have had a charge off that was paid in full - currently we have small past due acounts all about 2 yrs or older. We have 5 credit cards that we opened within the last ... |
|
 Impossible to get a credit card or loan..? |
Is it me or is it nearly impossible to get a credit card or loan with any negative information on your credit report??
I remember back in the day where they gave out credit cards like ... |
|
 Score currently crap (601equifax, 595 experian, and 549 trans)? |
| My score was 750 until my spouse lost his good paying job, and couldnt get equivelant pay so our income drastically dropped. We continued to pay good on house and cars, and tried to make cc payments.... |
|
 How can I improve my Credit rating in order to get just one credit card? |
| There has been some sort of bad credit go against me due to a dispute I had with a lender a few years back. I have nevertheless settled all my debts in full but this bad credit rating still remains. I... |
|
 What do i do now? |
| Lately i have been receiving weird e-mails.Saying that i need to give them my account number,my full name and my passport number because of someone i hardly knew that had died in 1998.His name is Mr. ... |
|
 Must wife pay credit card debt of deceased husband? |
| will wife assets be used to pay credit card debt of deceased husband with no liquid or hard ... |
|
 Bad credit history, who to turn to for credit help ? |
| I have a fairly bad credit history, but need to get a credit card, can anyone sugest who to apply to please.... |
|
|  |
missymia18 | Can a creditor call me or my parents over my boyfriend's truck payments? |
I've had one collection agent who has called me multiple times about my boyfriend's truck and his location. I have told him that I chose not to get involved in the situation and will not answer any questions that he has. Then he had the nerve to call my parents about repossesing my boyfriend's vehicle. The guy is very snide and condesending going so far as to say that my life was headed into debt because of my boyfriend. He even said that he would come to my university and pull me out of classes to see if I was driving his truck to school. I can't drive a stick!!!! What can I do?
Additional Details
My boyfriend had the truck before he and I even started dating. I have no idea how they got my dad's number. Neither my name or my dad's name is on any type of paperwork concerning his truck. What I'm the most irritated at is that I told the creditor that I didn't want to be involved and he said that was too bad and that he wouldn't stop calling me until I told him where we lived but I just don't want to give out any information. Then he started to call my boyfriend irresponsible and said he was running away from his responsibilities and that I was going to be headed down the same path because we are dating. |
 |
 
lilpeej
 |
Did you or your parents co-sign the truck loan? If so, you can be contacted, but if not, this person has no business bothering you. You need to file a complaint with the Federal Trade Commission (see 2nd link under 'sources', below)
§ 806. Harassment or abuse [15 USC 1692d]
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.
(4) The advertisement for sale of any debt to coerce payment of the debt.
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity. |
|
Pete
|
record the conversation, get all the information about the debt collector that you can. and then sue him. |
|
jenx880
|
only if you are listed as a alt point of contact or a co-buyer. Otherwise it's none of your business and they are breaking privacy laws if they give info. If they are harrassing thats again breaking the law. Tell them to never call you again and make a log of the calls. Can't really record the call and use that in court unless you state you are recording up front. |
|
DLeibowitz
 |
Sounds very abusive to me. Have you or your parents co-signed for the boyfriend? If not, these calls are violations of the Fair Debt Collection Practices Act. You could sue, collect up to $1000 damages and also attorneys fees.
Good Answer above |
|
lil_kitties2003
 |
its harrasment they can't do that record every conversation that they call you about. |
|
corvette
 |
Tell then you will give them the boyfriends number. Then give them a number to any local attorney. Then sit back and laugh. |
|
calikid79
 |
A truck loan is a first person loan not third party so does no fall under the fair debt collection act. The company that ownes the loan on the truck can try to collect any way they want within reason. But it sounds like your dealing with the repo company. They will hassle you to death. I know I used to repo. He cannot pull you out of class unless you want to go with him. The only way to rid your self of the harresment is by court order, hide for 3-6 months and let it blow over, cooperate and give fake info like send them to the middle of nowhere for the car about 100-200 miles away from the real address(I hate that one), Cooperate and give real info. |
|
pinkwolf47
 |
no they cant tahst actuly agenst the law. its harrasment |
|
shawn
|
You can call the police and have him arrested for harrassement. He can not do come to you. He is legally allowed to call you in attempts to locate your boyfriend if your boyfriend used you or your parents for references. I bet he did. They use referneces to attempt to locate unpaid debt from customers. I would suggest your boyfriend make a payment and that will get them off your back. Good luck. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 31 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
8 | 1 week(s) ago
| | | |
9 | 3 week(s) ago
| | | |
10 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
