 I have a Wal-Mart card and the credit limit is only $100.00 and I would like to have an increase in my credit? |
I have a Wal-Mart card and the credit limit is only
$100.00. I would appreciate it if you would allow
me to get an increase to at least $500.00. Thank you for your consideration in my ... |
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 Bad credit. Loads of people who post on here have "bad credit"? |
| is it time for the banks to be forced into being more restrictive in their lending? They seem to lend to loads of people who are likely to default on loans and then put up charges for those who do ... |
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 Who here is rich? |
who is rich on this website? dont worry i am not going to ask for money. but if you answer this question can you tell me how you got rich or how to get rich.
Additional Details
i mean i ... |
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 Is a credit apr of 24 % to much? |
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 Can i get a loan? |
| i have a bad credit history currently i really need a financial loan for about $ 20,000 for my school tuition does any body have idea where i can get a loan? please help.... |
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 I'm in debt & DO NOT want a bank loan!!!? |
| I'm in debt with $6,500.00 and I recently received a court order that I need to present to court for a hearing on my account. The letter was sent from the lawyers that took the case from the ... |
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 Ordering something online with a credit card? |
| hello ^_^ well i am new to this kind of stuff (ordering online) and i will be using my credit card. ya know when it asks for my credit card number do i put in all the numbers? or am i supposed to ... |
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| What is a good Credit Card? |
| OK I WANT TO START MY CREDIT GOOD! AND I WANT LOW FEES IM 18 AND STILL IN HIGH SCHOOL AND WITH A DECIENT JOB. I WANT TO GET LOAN FOR ABOUT 1500 DOLLARS BECAUSE I WANT TO BUY A MACBOOK. ANY IDEAS?... |
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 Somone has stolen my cash card!!? |
| I went away this weekend and the last time i used my cash card was on Friday the 24th. I returned home and not only was all my wages stolen (over £1000!!!) but they used my cash card to with drawl ... |
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 First credit card selection advice? |
| Hi. I'm a college Student. Currently looking to start building up my credit. I'm going to apply for a credit card here shortly and was wondering if anyone had any advice on any particular ... |
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 What do you do when you actually try to work with a creditor and they say no?? |
| i recently lost my job, and i called my main credit card (with the biggest balance and biggest minimum payment) to try and get them to break up my payment (i couldn't pay it last month, around ... |
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 I lost my debit card. I want to buy something online. How do I find out my number? |
| I lost my debit card. I want to buy something online. How do I find out my number?... |
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 Credit Card Debt..Are you in it?? |
| I know that my wife and I are paying out from under it right now and its difficult. I think that if you ask most people, they are probably ALL in some credit card debt! So... What about you?... |
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 How would you pay this debt. Advice Please!!? |
| I just received a check for my stock that is $3,700.00. Im 22 and want to improve my credit enough to get a loan in about a year to go to flight school about $40,000. My "plus" credit ... |
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 I really messed up, credit score is 504 and I really want to fix it but have no idea how or where to start? |
| I have 3 accounts that show as - bad debt, written off with an outstanding balance. Do I pay them, what can I do to get my credit life back on track or am I screwed forever can I ever recover from ... |
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Jason W | Debt Collection Unfair need advice Badly!!!!? |
i have had an account past due with citizens bank for 3 years i was put away for awhile and was unable to pay it. i owed 538 dollars. well 5 months ago i have been receiving calls from NCO about collecting the debt. i spoke to someone and they offered me a settlement i would pay 1 payment of 50 the fisrts month then 155 the next month then one last payment of 155 and i would be done. well i received a call the last month saying i owe them 418 dollars they said they bought the account and thats what i owe. this is totally unfair. for the past 2 months i have been getting calls from them everyday asking me to pay it and today they were threatning they will bring me to court to get the money. i am only 21 i go to school but for some reason this seems very wrong. i went from paying one last payment of 155 to owing 418?!!!!!! and tonight after 3 years it was put on my credit report. i need advice if anyone can help me. email jaywesson@gmail.com |
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mom_single_sexy
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you should have gotten the name of the person you spoke with and made that agreement. You need to call them, ask to talk with someone in charge and tell them what the situation is. Also, be prepared to fax them any canceled checks or money order receipts you have to verify that you paid |
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Ringading
 |
I remember NCO. Watch out, they're notorious for violating the Fair Debt Credit Collection Practises Act.
You can call the original creditor (like if it was a cell phone bill you call the phone co.) and ask if you can offer a set amount (not the full since obviously you can't pay it) and if they agree to send you a written statement saying you closed the account with the acceptance of that payment.
"You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe."
Before you take any action, call CCC intln. They'll counsel you for free on the first call. Explain to them what NCO is doing to you. They helped me when I had abusive creditors calling me at all hours of the day. Good luck getting this monkey off your back! |
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cork
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blow em off and forget them
what can they do?
how can they collect?
they can only talk talk talk and say..
they can't take nothing...
even a judgment can't be collected..
tell them have a nice day and hang up or just don't answer. |
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Smart1
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Never make a new promise to pay an old debt. They can not rightfully go after the money after 3 years (like take you to court). They can only ask or try to demand you to pay it. Once you make payment arrangements with them, it renews the debt and they can sue you for the money.
They probably record the calls for proof too. |
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Jen G
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If you didn't get your first agreement with the collection agency in writing, they can come after you for the money. They will try to claim that it is fees or interest. Do not send them a single cent until you get an agreement in writing to clear this debt.
You should check out Dave Ramsey. He talks about how to deal with this stuff on his radio show almost daily. On his site, you can listen to his radio show archives any time.
Good luck in dealing with these scumbags. |
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hotmomma
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http://www.potoukian.com/validation_letters.htm
Send them the above letter. |
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bryan l
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did you get this in writing? if you did and you have copy of money orders and checks . go and find a good lawyer. If you did not it is just hear say and there is not much you can do. NCO is known for bad practices like this. I hope that you go this in writing, if you did and they broke you terms you can sue them. They will not bring you to court for 400 bucks, they will even threaten people for 25 bucks. With you making a payment to these jerks resets the SOL and Resets the clock on your credit report. I think in you best interest to tell them i will pay the full amount and you need to delete this whole thing off of your credit report. get in writing before you do anything. |
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autism_mom43
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thats how they get your collection placesgo into your credit account and find people like you to mess with they cant sue you are do anything just forget it your back account will go away after 5- 7 yrs |
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Muga Wa Kabbz
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The debt collection is not fair. When you buy things on credit you must be responsible for paying your debt. You owe that much probably because of the interest accumulating on your balance. The more you default, the higher your interest is increased. This will go on your credit file the longer you default. In future, do you want to miss an opportunity to buy a home because of this ? Do you want to miss out on a CEO job in future because of this little credit balance marked against your credit file? Just pay your debt, won't you? |
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