 I just got my first credit card in today but...? |
| im wondering why i have the balance i have. I know i had to pay an annual fee and all but after the fee, i have 124.00 on the card but then when i just checked online, it says i have only 75.00 on ... |
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 Why did Bank of America charge me 32.2 % interest? |
| I was late on a credit card payment to Bank of America and went over the credit limit. The next months billing statement charged me 32.2 % interest. I called to see if they would lower it, they said ... |
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 Is this a good or bad credit score? |
| I recently looked at my credit report and my FICO was 650...is this considered good or bad? What are the best ways to improve my score by April/May of 2008?... |
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 Could this be EBAY/PayPal fraud? |
| Someone bought an item from me and they only have 2 feedbacks (both positive). The eBay info says they're located in Canada, but when the person paid via PayPal, the shipping address is in M... |
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 Would you use a credit card for $1.74? |
A MAN I work with CONTINUIOUSLY uses a credit card for such things as pop and candy. He usually carries no cash on him at all. Won't the interest eat him alive ?
Additional Details
H... |
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| If i cosign for my parents to get a house, will it affect my credit? |
my parents are trying to buy a house...they already have one and cannot fully qualify for this other home...
they want to purchase this house and rent out the one that they live in now...<... |
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 URGENT HELP...I was scammed by bally, to signing a 3 yr contract. now i've stopped making payments....? |
| i don't own a credit card, but i have a checking account. Will my credit score be affected since i've deleberately closed my account and they can't get money from me again? i DON'T... |
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 How much will my credit score go down by applying for a new card? |
| I would prefer answers from people who work in the credit industry and can tell me roughly the number of points, and how long it will take for my score to recover once the new higher available credit ... |
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 Where is the Credit card number located on Visa Debit Card? |
| I am in the process of purchasing something on line for the very first time and I need to enter in the Credit card number but I don't know where it's located at.... |
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 Bailiffs may be given the right to break in2 homes for credit card debts?? do you think that is fair? |
| after all..it is the credit companies that cause this problem in the first place!too easy to get credit!!... |
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 I have a high monthly VISA bill. Is it a good idea to transfer the whole thing to Discover? |
| Discover appears to have a better interest rate, and probably a lower monthly payment. Is there any downside to doing this? With credit card companies, there always seems to be a downside...... |
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 What credit card can i get? |
| i turned 18 this month and applied for a discover card and they turned me down because i have no credit history. so what credit card can i get? i have no history and never had a job my parents said ... |
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 How can I create a website without giving my credit card number? ( $ for the monthly fees)? |
| I want to create a website but I dont want to give the credit card number, I am almost positive that it is not safe. Is there a website that I can just send a check or something? (For the monthly fee ... |
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codl002551168 | Can debt collectors seize my car? |
That's prety much the only asset I have, and I was wondering if a collection agency can seize it as collateral. I haven't signed any contracts with my car as collateral, so I don't think so, but I just wanna make sure. Also, can they get my cell phone number if I don't give it to them? |
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Ron
|
It's possible under two circumstances:
1) Many lenders have a cross-default clause, which basically states that if you default on one loan with the lender you have effectively defaulted on all loans. For example, if you have a $10,000 car, still owe $2,000 on it, and are current with your loan, but have defaulted on a $3,000 unsecured loan with the same lender, the lender (if they have a cross-default clause in your note) can declare your car loan in default, repo the car, and use the proceeds to payoff both loans.
2) If you're in default of a loan, a lender can sue you in court, if they win (they will), and after allowing your appeal time run out, they will have a judgment against you. A judgment can be executed against any real property you own in the county. This could include items in your home, your car(s), any bank accounts/cd's, real estate, etc. Now, this can be very cumbersome for the lender and discovery of assets is difficult and expensive, but it is possible. It does happen. It is more likely if it's a high risk lender used to pursuing aggressive collections, like a finance company, but also collection agencies. The more you owe them, the more it's worth their while to pursue such angles. |
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wizjp
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Can't take the car. Might take you to court, get a judgement, attach your wages (depending on where you live) and let you pay all the fees it takes as well as messing up your credit for a long time.
Call them, set up even a token payment plan and pay them. |
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Monty
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If you still owe money on the car, the lender can repossess it. Otherwise, creditors cannot seize personal property. Cell phone numbers are not listed and a creditor cannot obtain yours without someone giving it to them. |
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Fletcher
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No and No. Unless its the car people after you they can't take your car. |
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tim2honorgod
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The only people who will probably sieze your car is the loan agent for the car . . and only if you miss payments. If the car is owned outright, then no one will. |
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Big D
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If you haven't used you car as collateral, you should be safe. |
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DaMan
 |
I got two words for you.
Garnish
&
MENT
and I'm through . . . |
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ryan s
 |
they can if u used yor car to get the loan but not if u didn't use the title as colltrol and no they can not get yor cell phone number unless u give it to them or sombody u know does. here is a site of yor right http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm |
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spun_down
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of course they can get your cell # and all calls from and to
i'm no expert but
i believe they can only get your car if the title is shared with a bank that loaned you the $. |
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Catherine T
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It depends on what state you live in. In may states, certain things are exempt from debt collection like your home, and up to $1000 in personal property. If you owe money on your car, most debt collectors won't bother. But if you don't and your state doesn't count that asset as one that is protected, then yes, a debt collector may seize your car and auction it off to pay debts. |
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cork
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no...
and cell phone number yes.. |
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jessigirl00781
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Usually you can't unless you are in serious debts. Usually they garnish your wages if they get a judgement. |
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Yellow Tail
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Yes, in some States they can. |
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fighterace26
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No they cant unless a court tells them they can,
pay your bills |
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amazon
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yes |
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Dan The Man
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Yes. They send Guido out with a shotgun, and he takes it. |
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