 Anyone out there frustrated about their credit rating? |
| Heres the deal: Im 20 years old, I have had credit history for about 3 years I have done excellent with making my payments and also paying off my credit, however I only have an Average rating and Its ... |
|
 How do u get a credit rating if u cant get credit? |
| e.g an 18 year old. living at home, therefore no bills ... |
|
 Credit cards? |
I'm so confused. I"m getting to the age where the option of having a credit card is drawing near.
I've been looking at different cards, but I can't seem to make heads ... |
|
 Can i use my ATM card to make online purchases? |
| Can i use my ATM card to make online purchases? My bank is Commerce bank.. now changed its name to TD bank. But, am i able to? On the card, it says ATM and it doesn't seem to have an expiration ... |
|
 Is this Credit fallout because of the borrowing to pay for the war.? |
| I am watching all the reasons for American and UK economic fallout and cant help but feel its a smokescreen . The war is costing billions and billions of dollars. Who is paying for this? Is this not ... |
|
 I want to remove myself from my ex-fiance's car note.? |
| Like and idiot I co-signed for my ex-fiance's car note. Long story short the wedding never happened, and now I no longer want to be listed on the note. Is there a way to remove myself from it? ... |
|
 Can I sue someone for not paying a bill that i put in my name? |
| I got three cell phones in my name. Which I gave to family since they all have bad credit. We made a verbal agreement in front of employee/friend that they will pay their bill on time. But they have ... |
|
 Should we take the settlement offer...? |
| About 10 months ago, my wife went to an emergency room because she was having terrible pains. We did not have the funds to pay the bill. For last few months a collection agency has been trying to ... |
|
 Bankrupt girlfriend? |
| My girlfriend just told me that she's a discharged bankrupt!! I'm 28, she's 26, we've been together for 7 years, and she went bankrupt when she was 22!!!! It was stupid credit ... |
|
 Just thought I'd give it a try? |
Hi, this is George Zimmer founder & CEO of the Men's Warehouse, just by change would anyone have a few million dollars to lend me??
I have the craziest business scheme, I'd let ... |
|
 Harassing phone calls- Do I have any recourse? |
| My husband and I moved to a new state 4 months ago. Since our phone number was activated, we have received an increasing number of phone calls from debtors and collections agencies asking for two ... |
|
 How did your credit get ruined? |
| I was 19 when my was destroyed. I needed an emergency surgery and didn't have insurance. The "doctors" couldn't figure out what caused the pain, but told me I have endometreosis ... |
|
 What is the best way to start building your credit. I'm 18.? |
| I just turned 18 in June. I was told the only way to start was by getting a department store card and then moving on to bigger things. Well, I applied for a JC Penny Card and was not approved because ... |
|
 Why can't I get a credit card? |
| I see people all the time who have 25,000 in debt for school loans or people who get pre-approved credit cards in the mail on a daily basis who have NO business having them. I am a 25 year old male, ... |
|
|  |
billford30 | How can I get a debtor to stop calling? |
My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have told them that I have hired an attorney for medical negligence/medical malpractice and will not pay 1 cent to them. I have provided them my attorney's information but they will not contact them. |
 |
 
Studly
|
Understand that the previous two answers are referring to the Fair Debt Collections Act, which regulates how collection agencies/attorneys/3rd party collectors must behave. If you send them a "cease and desist" letter, they must quit all communications with you. If you tell them you have an attorney, all futher communications must be send to him.
Your problem (I think) is you are saying "the hospital" is calling. That makes them the original creditor and they are not included under the FDCA laws. In other works, you can't effectively stop their calling and harassing you.
Follow the advice about contacting your attorney and have him deal with the hospital. |
|
MN-Mike
 |
Tell them verbally and also write them a letter stating "do not call, mail me correspondence", send it certified.
If they continue you can actually sue them for harassment and they know you know so they will stop.
==================== |
|
Killerdaysie
|
If you have hired an attorney then you need for them to contact the hopstial as well.
You cant get too mad at the collector cause they are just person in a cubicle making 10 bucks an hour to call and try to collect on a long list of debts.
Alot of times they do not imput information on your file and then the next person calls with out knowing.
hopefully it is just that.
Try to contact the hopsital administration or the manager that oversees the Accounts payable department. Maybe they can help.
you dont want to totally eliminate their calls due to any change that may take place or a question they may have.
hope it all works out, my prayers are with you! |
|
lady_of_lamour@sbcglobal.net
 |
I am sorry about your problem it sounds like a terrible mess. I think there is something you can do I read somewhere that you can send a letter to your debtor asking not to be called any
more and they have to respect that but also in doing this it increases the chances that they will sue for their money. But if you are already getting a lawyer to defend you because of something that they did then I think that you don't have much to loose cause you are already headed toward facing some kinda of lawsuit.
Hope this helped and I genuinely wish you good luck!!! |
|
Drummer Boy
 |
Give their number to your attorney. Also, just so you know, you are the debtor, the hospital is the creditor. |
|
kna0831
|
If you are not the one who is responsible for the repayment of the debt then yes they must stop, give them the correct phone number for your son and they will contact him. However if you are the responsible party for the debt they have every right to call no matter what you say. I would have your attorney contact them, it will be done in form of a letter (legal purposes), and he will explain the situation and they need to contact him and not you. That is what he is being paid for, until this happens you can either not answer the call or block it what ever your option or you can change your number and keep it unlisted. Hope it all works out for you. |
|
stopccdebt
 |
According to the Fair Debt Collection Practices Act, you have the right as a debtor to request a collector to cease and desist all telephone calls made to you that you deem to be inconvenient.
You can verbally request them to stop calling, but a certified letter works great. If they do not comply, advise your attorney to proceed with a lawsuit for violation of your rights. |
|
Christabelle
|
Can you block their number? That might be the best bet because they will not stop calling. So annoying! |
|
Jeramie M
|
Then you need to contact your lawyer, let them know that the hospital will not stop calling you and they will let you know what to do.......
Good luck!!!!!! |
|
Kevin K
|
Write them a letter like this:
"According to my rights under the FCRA, I dispute your claim and demand that you cease all communication with me regarding this debt in any way, shape or form."
That's it. If they contact you again (besides exercising their right to notify you of a lawsuit) they are breaking the law. |
|
GirlUdontKnow
|
I don't think you can make them stop calling you. If I were you, I would just look at my caller id and if it is the bill collector, do not answer the phone.
That's what we do because we have solicitors calling the house all the time, I never answer the phone unless I recognize the phone number or name. And if it says "UNKNOWN" I don't answer it either. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 4 minutes(s) ago
| | | |
10 | 10 minutes(s) ago
| | | |
11 | 40 minutes(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
12 | 6 hour(s) ago
| | | |
10 | 9 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
