 How to get my money back? |
| i joined the bally total fitness with a friend like a couple months ago. he doesn't have a bank account so i co-sign for him. the total amount of his and my member ship is $4068. couple months ... |
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 Defaulting on a car loan? |
| I have a car loan that i am struggling to pay and am considering Cancelling the Direct debit. i have checked all other options and this seems to be the only way to free up some spare cash. the loan ... |
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 How can I improve my credit score quickly? |
I have a 479 credit score. It sucks. I can't do anything I want with my life to really improve a lot of things. How can I improve this quickly?
Additional Details
Oh, I am 26 yrs. ... |
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 I'm upside down with my car for $7000 what to do....???? |
| I bought a brand new car a year ago. My car payment is almost $500. I will like to trade in for another car that worth this payment but my payoff is $20,000 and the trade in value is $13,000. So I�... |
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 Rental car holds!!? |
| Do all rental companies put a hold on credit cards when renting? I tried Thrifty when I was out in LA and they where going to put a $400 hold on my card, I cancelled it 'cuz I needed the money ... |
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 Will a foreclosure effect your credit rating worse than bankruptcy? |
| We are filing for bankruptcy and will lose the house one way or another. If the foreclosure goes through, we can live in the home rent-free for perhaps up to 10 months. Or we can try to do one of ... |
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 Cosgined for my sisters engagement ring? |
| My sisters BF bought her an engagaement ring in October. He doesnt own a credit card so he has no credit history, good or bad. He opened an account with the jeweler and I ended up cosigning with him. ... |
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| What is the deal with these online advance payday loans? |
The bills aren't added up right and i need some extra cash for my shots for LPN school.
My question is: Do these things work and how? Do they go off credit? How do they determine how much ... |
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 How do I get on welfare.? |
| My mom thinks that I've been working enough now and I do too. I'm looking to take some time off for a while from work and get some relaxing time in. I need something to cover our mortgage,... |
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 Why are people getting in over their heads regarding credit cards? |
if you cannot pay it with cash now, do not buy it now. you are only hurting yourself by charging something you cannot afford.
Additional Details
interesting how many responders look to ... |
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 How long till something goes off your credit report? |
| I lived in an apartment for 11 out of the 12 months on my lease and we only moved early because my 1 year old was always getting sick, I mean every 2 weeks we were at the doctor. It got so bad that ... |
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 Bad Credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Can a 15 year old get a credit card? |
i mean i heard of the 7 yr old getting a credit card and my friend actually got a letter in the mail that said kitty (his BIRD!!!) was approved.....
Additional Details
ok then what ... |
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 A im 10,000 dollars in debt and all my stuff has went to collections how should i pay this debt off ? |
| i have a loan that is 2,000.00 and the rest are credit cards. how much should i pay on them each week and how do i rebuild my credit because i want to buy a house in the next 2 to 3 years?... |
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 Credit Cards.? |
| Why do Credit Card companies allow so many people to get into debt?? People nowadays are using them as if it were there own cash. Then when its too late, they realise they're in big trouble and ... |
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 Do you think it is necessary to view ones credit information when applying for job? |
| In my opinion it is not. I don't have horrifying credit but I have a few items on my credit report. I think it is unfair because they could turn down a very qualified candidate because of ... |
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New in USA | Credit card suing me? |
i just got the letter from there lawer..to go to the court next month(i live in Florida) i owe them $ 900..
What i sould do..can i call them to settle this or i have to settle this in court?
Need advice to settle this because i don't want to go to court(work every week day or they find some body that can work) |
 |
 
bob W
|
here is a little known fact.
show up in court, they will not be there but will request a "telephone hearing" you can challenge them by requesting to see the original documents with your signature. Collection lawyers do not have the original documents just your information on a computer printout. The case is dismissed and that will be the last you hear of them. |
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Crazyjester9
 |
Is the debt past the statue of limitations? In Florida the SoL is 4 years from date of last activity.
If it's been 4 or more years since you've made a charge or payment on this account, you have an affirmative defense that you can enter with the courts and the case will be dismissed. |
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Deliah
|
IN WRITING ONLY send them a RRR letter offering 500 in a lump sum to be paid on such and such date once you receive a confirmation letter agreeing to the offer.
DO NOT PAY ONE DIME until you get the letter back accepting the offer then send them a money order along with a copy of the letter.
Stay OFF the phone PERIOD.
IF you should get a call and listen long enough for them to make an offer, ask them to send it in writing and DO NOT give them a poste dated check or check of any kind. |
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sshazzam
 |
You should be able to call the law firm and settle outside of court. |
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signman_03743
 |
Do you owe them the money? Have you stopped making monthly payments? If the answers are yes, then what is your problem? PAY THEM!
Most likely they would settle for monthly payments unless you already have a record of not making payments on time.
Going to court is not only going to cost you the $900, but also THEIR attorney's fees (could easily be another $200 or more) and all the court costs-their filing fees, mailing fees from the court clerk, penalties by the court...you could end up having to pay $1400 or more!
A letter from their lawyer is NOT a court summons-the COURT has to send you a certified or registered letter-a copy of the complaint they would file with the court clerk to 'sue' you. So if you haven't gotten that yet-what their lawyers did was to send you one last chance to call them and work it out BEFORE they go and file in court.
So call them! |
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Ted
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Trial costs are expensive. They don't want to go to court either. The will withdraw the case if you give them some other way to get their money. Call them now and agree to a payment plan if you can't pay it all at once. Avoid getting a formal judgment. |
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boo yaka sha!
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ring the credit card company if you are able to settle it then you should have paid it before
lack of communication makes things so much worse |
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shamieya
 |
When you go to court, all they will do is work out a settlement plan. They've already filed the judgement against you. It will hurt your credit, but credit isn't the end-all be-all of life. Call the law office that notified you and see if a settlement without going to court is still possible, just for the sake of your time. When it happened to me, I didnt incur any extra fees, but your creditor may be different. |
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Pamela C
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Call the local united way and tell them the situation. they can give you numbers of free consumer credit agencies that can help you out tremendously..
don't sit by and take this crap from the credit card companies. there are lots of options for you out there. |
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zach_moores
 |
well you should just pay them that,or they should drop it because it well probably cost more the $900 to get the $900.
in my opion credit card sucks because they charge more them what you spend. all they are is a waste of money so pay the money then cancel your account. but what do i know I'm only a 15 years kid sitting in class anwser yahoo answers |
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