 I am 17 but I keep getting mail from lots of credit card place and other companies to suggest that I have....? |
| some type of credit. How do I check to see if someone is committing identity theft? I would like to resolve this before I turn 18 so that my credit won't be scarred for life.... |
|
 Is this to good to be true? |
| Ok many people say if its too good to be true it probably is. Well my roommate gets a call today from Visa (his credit card company) saying tha because he spent a certain amount fo money on his card ... |
|
 Is 17 too young to have a credit card? |
| Our son has had a savings account since he was 10 years old. He began working and has since opened a checking account and also received his 1st credit card. His father & I think it's okay ... |
|
 Does any one knows if this is a possible scam? |
Dear Prospective Partner,
My name is Andrew Wang, I trained and work as an external auditor for the
Dah Sing Bank (DSB), working as part of a bigger team that covers the
entire Asian ... |
|
 Who can i get an unsecured loan from if i got bad credit rating ? ( uk answers only please )? |
| i have a very poor credit rating and i need a loan . i rent my house so its got to be unsecured and im not interested in those companys where you have to pay a fee up front cos they r a rip off. it ... |
|
 I have $12,000 debt and i'm only 21? |
I dont know what to do.. I also have $25,000 in student loans as well (failed school actually, so it was all for nothing)
I was born to lose. i need $1500 a month ($600 of which is for ... |
|
 Why citybank at nigeria asking to transfer more money to this bank.? |
| i had make the first money tranfer and now this bank ask for one money transfer in order to credit me the money.... |
|
 Wondering, Can I get arrested for this? Or is this a Civil Matter? |
kjj
i just wanna make sure the cops dont knock on my door.
I already did this, just want to double check.
To Make a long story short.
I have 2 accounts at a bank.
... |
|
 I've been denied my mortgage because of bad credit, but don't know where it's from. Advice please? |
| My boyfriend and I have just been turned down for a mortgage because of my bad credit. When I was a part time student (at aged 20) I incurred a debt of £800 in outstanding council tax which I then ... |
|
 If my wife and I.? |
To put it bluntly if my wife and I pop our clogs,which we dont plan to do in the near future.Do my son and daughter have to pay off any unpaid debts we may have had.
Additional Details
S... |
|
 An overdrawn bank account from a year ago has gone to collections. Can I go to jail if I dont pay? |
Additional Details
Will someone anwer who knows what they are talking about please? This is not a "farud" case...it has gone to collections!... |
|
 Every time you use a debit card does the bank charge you? |
| Like every time you use a debit card, does the bank charge you for that? Thanks in advance.... |
|
 How many credit cards do you own? |
| i once owned 12...im down to 3!... |
|
 Im 19 years old and wanted a credit card? |
hi i want a credit card im 19 years old have a 5 different bank accounts a few catalogues and wanted a credit card any body know any websites that might accept me thanks
ps please dont say the ... |
|
 I need a loan but I don't have a bank account are there any online that will give you a loan one? |
| I need a loan so I can move but every site that i go to they are asking for bank info and i don't have a bank account is there any online that i could get a loan without having a bank account?... |
|
|  |
tom w | Dealing with a Collection agency/how trust worthy are they? |
Hello, i am in a real mess here. I got a call last week from a Presily Williams from a company called portfolio management demanding 4500 for discover card. I told this Presily i had a Discover card, a long time ago, then he went on telling me yeah thats what you owe on it now. I told him i would have to check my credit report. Then he got mad and told me look i have to get this out pd now or else see you in court, then you will loose your house and my paycheck. I told him i dont have the money! He then told me i could pay 3k, go take our a equity line of credit on your house/ then pay it. He is giving me 20 days/ i just got a demand letter from an attorneys office in new jersey spelling our the agreemend this Presily presented. I went to take a look at my credit report from 5 years ago when we bought our house, it showed it was charged off in 3/1999 at 2400. The mortage is in my wifes name, i had some financial issues in the past. We live in Michigan. Help Advise please |
 |
 
tiuliucci
 |
While collection agencies sound fierce, they are much more bark than bite. The laws require quite a bit of work to garnish wages or pressure you. It sounds like you did not really owe that much in the first place. Do not let them get to you and do not pay them anything.
Once you start paying, you show that you owe. If you say that you no longer owe anything than all they have to go by is whatever the credit card company gave them, which is almost never much.
Take it easy and ignore them. What can they really do in twenty days? There are no laws that can even be enforced in twenty days. It is expensive to pursue debts. Too expensive for less than $5K.
Take care,
Troy |
|
Heather M
 |
These people are SCAMS! They are bad debt buyers, and they have no authority. Please do not let them scare you. I actually am in the middle of a law suit with a "bad-debt buyer".
This is how credit works, when something is charged off, that means the actual credit card comp. "gave up" on you. Sometimes, a bad debt buyer will buy the credit and info. form the card company years later, and try to make money off of it.
If you have enough info on the bad debt buyers and proof they are harrassing/threatening you, you can sue!!
Dont give them a dime! If anything, record their convos and save any letters/notices they send you!!
http://www.fair-debt-collection.com/junk-debt-buyers.html
I think I see the collection agency you were talking about listed here. Please check it out, and then google "bad debt buyers" if you don't believe me. Please let me know how you make out!!!!
heathermhillside@yahoo.com |
|
Amanda H
|
If it was charged off in 1999 most likely the statute of limiations has expired and they cannot legally collect on this debt. Ask a lawyer in your state over the phone for advice...but DO NOT pay them a dime until you get advice.
Also, on a debt this old, they probably paid pennies on the dollar to buy the debt-- I bet they have less than $100 into it. If you do decide to settle-- dont pay as much as they want...cut it astleast in half. |
|
Stacey
|
Based on what you said, I can't determine if the card was paid off or not. If it was, you have nothing to worry about. Overall, it sounds like a scam though. It might not be a bad idea to contact an attorney to look into it. Or, contact the Better Business Bureau to make sure the company is legitimate - http://bbb.com/
Good luck. |
|
bransonfiveanddime
|
You are going to have to make copies of all documentation on charge off, send on to guy calling/ attorney inwhich called you, plus I'd call Discover and find out what's going on on their end, send them a copy of report too. All this needs to be certified mail where you will have a reciept. Cover your butt with a paper trail. Collections are meant to harrass, thats how they make their $$$$$. Jump on this and fill out a report with Discover (dispute). Credit Cards cannot collect on "gifts" if you filed bankrupsy. This happened to me too. |
|
claire c
|
I dont think they are very trustworthy. Document every communication with them and insist on receipts etc Good luck! |
|
practicalwizard
|
first, call discover. you have every right to deal with the creditor directly. talk to them about this company, ask if this is a company they use. if discover can show that your account is settled, they need to call off the creditor. i wouldn't pay the collector a dime. especially if this is your first notice from them. they like to threaten too. if all else fails, seek legal advice with an attorney. |
|
Sara S
|
If I were you, I'd do what the guy says. Although it's not professional for the man to 'get mad and yell'. The only way to get it resolved is by looking at your credit report (you can get a free credit report online once a year) and finding that it WAS paid off, or paying it off as the man says. Take out a small consumer loan, or take out a home equity loan. That's about all you can do it you really don't have the money. You could also try calling Discover directly and asking them to lower the balance. They will sometime's do that if you take the initiative and call. Goodluck to you. You'll get through it tho. It could be worse..it could be 30,000 you owe ! |
|
roy40372
|
all colection agents are nothing but scum of the earth. they will do anything to get a dollar from you whether you owae it or not. don't give them one penny until you talk to a lawyer sounds like some one is trying to get some money for nothing. you should know if you owe the credit card anything. |
|
Andreas
 |
Collection agencies are not at all trustworthy. There have been numerous articles on the Internet about debt collectors using shady tactics to collect zombie debt. These articles advise that a debt that was written off long ago is best left dead. You may already have done too much by talking to this character. Don't sign anything and tell them not to call any more. If you make a promise to pay anything, that could bring this old debt back from the dead (hence zombie debt). Check out these links. |
|
familysport
 |
I don't know about the legal issues concerning the account being charged off but I would certainly be hesitant to send this *ss any money. These guys are the slime of the earth, they try to put pressure on you because they get a commission when you pay it off. The sooner you pay it off the more % of the bill they get. You don't pay it, they don't get paid on your account. You have rights, they can't call more than once a day.
I find it hard to believe that a court would take your house for 4k. Besides it's not in your name.
Good Luck |
|
jicour
|
I found this site very helpful.
http://www.budhibbs.com/debt_collector.htm |
|
Autogestion
|
Collection agencies will tell you whatever they feel will work so that they can get your money. I have been lied to by one collection agency about 5 times. I spoke with 3 different people before I was even told the name of the agency. Talk to an attorney, that is your best bet right now. They will garnish your wages eventually and that is a real pain. They don't care how much of your money they take each check either. Good luck |
|
NONAME
|
DO NOT SEND THEM ANY MONEY UNTIL YOU HAVE A FORMAL PAYOFF/SETTLEMENT AGREEMENT IN WRITING!!!
Many companies will offer to settle, you send them a check, then 2 years later some other company will come to you for the difference. Unless you get it in writing first, do not pay. Threatening court is illegal in most cases. Find an attorney, maybe they can help you settle out the balance and facilitate the payments. |
|
mart1gon
|
i found out that there is a statue on this types of collections i belive it is either 5 or 7 years call an attorney and find out if the statue is over you can sue for harassment,what these companies do is they buy all the accounts that have been written off because they cant collect on them and then some company comes along like portfolio management and buy the loans they mad for pennies on the dollar and they go after the consumer i wish somebody had told me this before because i went through the same thing i hope all this made sense i have 3 kids in the house running around like crazy let me settle them down good luck |
|
Debt Guru
|
one thing FDCPA laws |
|
hugh r
|
my advice.. is find the medium slangster inya area, ifya alredy knowm your set...
k now you get gloves, a mask and a jumpsuit,
the rest should b known, the bigger the dealer the bigger the outcome/income...
(do it to someone not in your direct area ifya smart)
lol
the mission is your best bet in your situation, or tryn takeout a loan, but your say you financially fukd, so ya... |
|
keith s
|
They should work with you as long as you don't avoid them |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
18 | 5 minutes(s) ago
| | | |
18 | 8 minutes(s) ago
| | | |
18 | 41 minutes(s) ago
| | | |
18 | 42 minutes(s) ago
| | | |
16 | 3 hour(s) ago
| | | |
19 | 6 hour(s) ago
| | | |
18 | 7 hour(s) ago
| | | |
18 | 11 hour(s) ago
| | | |
18 | 2 day(s) ago
| | | |
17 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
