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| To make a long story short, I tried to get my credit report information online from annualcreditreport.com, and it asked those personal questions confirming who you are. It asked what company i took ... |
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 My sister used my daughter's name for a credit card? |
| I believe my sister used my daughter's name who is 5, to obtain a credit card. The purchases where around 300.00. I am not going to press charges. But does anyone know what will happen during ... |
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 Cleaning your credit? |
| I recently pulled of my credit report for the first time in 3 years. It is pretty bad. I wasn't sure if I should us a clean credit company to help get my credit score back up....how does that ... |
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 Visa debit card needed - which ( UK) bank ? |
Hello,
I need a Debit card to use on many internet websites and international, like visa. Do you know wich bank offer (only debit) visa cards in uk ?
thank you
Additional ... |
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 Is there any way to buy things online if my parents REFUSE to let me use thier credit card? |
i have so many things i want to buy online that arnt avalible in stores but my parents wont let me use thier credit card...is there ANY way to get the things i want?
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 Does creditors fall off after seven years? |
| what i mean is my credit is shot the only thing that is a constant are my student loans... i have three or four credit cards that did not have no more than a 500 dollar credit limit but i defaulted ... |
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 How much is too often to check your credit report? |
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 What's more important earning more money or saving money? |
| There is a saying "It is not how much you make but how much you save"... |
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 Am I doing the right thing with my husbands bad debt? |
| My husband has $20,000 in debt in occurred before we got together.12,000 of it is past due things he has stopped paying on, the other $8,000 is his car. I want to sale the car and get a junker for $1,... |
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 Credit card? |
I'm trying to find my first credit card but i have no idea what to look for or where to look for it.
I just turned 18 an i do have a job but it doesn't pay much so i need one with low ... |
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 I'm 19 and I Have NO credit....? |
| i'm 19, i don't have any credit, i don't have anything in my name, not even my cell phone (it was my mother's bright idea to put it in her name, worst mistake ever). i have a ... |
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 How do you pay your credit card to start to raise your credit? |
| i just got a credit card and im want to start building credit.... i was wondering what would be the best way to build credit.. i have heard i should only take care of the minimum, or something along ... |
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 What is the easiest way to payoff credit card debt? |
| There are tons of credit card offers at 0% on transfer balances, is this the way to go? I know, read the fine print.....What's the most logical way?... |
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 I just got a call from a collection agency about chase card I have that i have? |
| not been able to ay since I lost my job, he said if i dont ay by the 27th they are taking me to court. What does that involve, he was very abusive to me and called me names and said i was not an ... |
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 I noticed before christmas that my credit score was terrible. 511 to be exact? |
| So I joined Experian and started paying ALL my bills on time I cleared 2 defaults(partial settlement) and brought a store card below its balance. This has all been shown on my report but the problem ... |
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| Do you get around w/o having and using a credit card like people did before the cards were invented? |
If you do or don't, can you share how you feel about dependency on credit cards in lieu of cash?
Additional Details
Informative answers are helpful and appreciated.... |
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faithfully19779 | Can a debt collector speak with me about my hubby's credit card debt? |
I live in mississippi and the collector said he could legally speak to me about it, my hubby has not authorized this. The thing is i am not on the account and he is telling me when the last time my hubby made a payment, and how much is past due. He told me our credit will suffer (i am not on the account) He constantly calls and tries to get me to pay the debt or tell him i will give him such and such amount by the end of the month. Will someone who knows mississippi law please help me?
Additional Details
to the person who asked why dont i just pay it off , ummm b/c i have other bills to pay we have fell on hard times and i think that paying my mortgage and power and putting food in my kids mouth is more important. We are trying to settle with him but he is harassing me and i dont control our finances |
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aka_brian_1040
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If a credit card collector is talking....eg....his lips are moving....he's lying. They violate federal law every day, and do it because the public is ignorant of their rights. Have them speak to your husband only, negotiate in writing a settlement (prob 30-40%) of the balance, get it in writing, then send them certified funds. Do not accept any agreement that is not in writing, and do not ever give them access to your checking account...they will clean you out. |
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OC1999
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Actually in this case I beleive that SCH is incorrect. The FDCPA does allow a creditor to speak to the Spouse in terms of the debt. The creditor is allowed to speak to the "consumer" about the debt.
Section 805(d) of the FDCPA states that the Consumer is defined as the Consumer's Spouse, parent(if the consumer is a minor), guardian, executor, or administrator
This is a Federal Law and am not aware if a law in MIssissippi would override this regulation. |
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echo
 |
OC is correct, the collector does have a legal right to speak to you about the debt.
Your state is not a community property state. If any legal action is taken, they cannot place a lien on anything that is in your name.
The collecting SOL for your state is 3 years. If it has been 3 years or longer since your husband defaulted, he has a legal right to not pay.
***However, should he make a promise to pay, the collecting SOL may be re-set.****
Mississippi statutes --
§ 15-1-29. Limitations applicable to actions on accounts and unwritten contracts.
Except as otherwise provided in the Uniform Commercial Code, actions on an open account or account stated not acknowledged in writing, signed by the debtor, and on any unwritten contract, express or implied, shall be commenced within three (3) years next after the cause of such action accrued, and not after, except that an action based on an unwritten contract of employment shall be commenced within one (1) year next after the cause of such action accrued, and not after.
SEC. 15-1-3. Completion of limitation extinguishes right. The completion of the period of limitation prescribed to bar any action, shall defeat and extinguish the right as well as the remedy. However, the former legal obligation shall be a sufficient consideration to uphold a new promise based thereon.
SOURCES: Codes, 1880, Sec. 2685; 1892, Sec. 2755; 1906, Sec. 3115; Hemingway's 1917, Sec. 2479; 1930, Sec. 2313; 1942, Sec. 743.
IF he is past the collecting SOL it would be in his best interest to send a SOL letter to the collector and inform them the debt is no longer legally collectible.
You might click on my profile and click on the last link I have listed. Do some reading and learn how to deal with the collector. |
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financing_loans
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I dont know, it depends on if you are a community property state or not. In Utah you couldnt do that. Some states that bills your husband owes can be attached to you or they can legally tell you what is going on. *not an attorney but have tried to collect many debts before*
All you have to do is tell them, never ever call me again. Legally after that the only way they can contact you is a final letter. They cant ever call you again. They can sue you but they cant call you. They will say well then we will send it to legal and blah blah blah. Say fine do it, but never call this number again its friday July 13th at 1:30. Mark it down never call me again. |
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naturegirlkole
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When you're married it's DUAL credit - even if they say it's not - it is. |
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ivan dog
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yes he can talk with you about it since they consider it combined debt , since they cant tell if you have also used the card or not to make any purchases , it will effect your credit since you are tied to your husband financially
it doesnt matter if your name is on the acct. or not
B. |
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wall_ta1k
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Only if your name is on the cards. Other then that no they can not. |
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NONAME
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yes he can try and collect it from you. but it will not effect your credit in any way - just hung up and dont talk to them or have your husband take care of the bill |
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SCH
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Under the Fair Debt Collections Act they may speak to you to get information as to how to connect with him...but if you are not on the account it is a violation of the patriot act for them to disclose information about an account that is not in your name to you. |
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zanthus
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The debt collector should not be able to speak with you. However, if your husband has bad credit, so do you!! Better talk to your husband and figure out how you are going to get out of debt. If bill collectors are calling, you are in serious financial trouble. |
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gjkishere
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Promise him anything, but deliver nothing. |
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Skyhawk
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Disclosing information to a third party, not connected with the account is a crime.
Have your husband sue the collection agency. |
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Whiskey Tango Foxtrot
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Yes, he can.
So why don't you just pay it? |
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