 My husband has excellent credit and i do not? |
| i only have fair credit from my mistakes years ago. we want to buy a house, can we just get a mortgage in HIS name? i don't have to be on it , do I??? my credit would surely screw everything up!<... |
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 Can you remove a collection from your credit report once it has been paid simply by trying to negotiate? |
| I received a letter from a collection agency stating that I had 5 days to pay an account or it would show up on my credit report. I complied and sent off a cheque for the balance immediately and it ... |
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 SO ..i have no credit and i wanna know what credit card and company is best for me? |
| im 18 and i need to build up my credit but i dont know anything about credit cards and all the stuff of apr??....so i wanna know which credit cards is the best one to have?... |
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 Which credit card companies issue co-singing? |
| which credit card companies allows co-signing where the borrower's credit is reported to credit bureaus?... |
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 Balance transfer question? |
| If transfer balances from a credit card to a new credit card, does the new card take all of the debt that is requested or can they choose a portion of the debt and then you are left with two cards ... |
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 Mortgage for Discharged Bankrupt? |
I am a discharged bankrupt (2.5 years clear now) but had the house I was buying at that time included in the bankruptcy, so it was technically re-possed and any shortfall added to the bankruptcy.
... |
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 Court Case is Tommorrow HELP!!!!? |
| tommorrow is my court case, to sum it all up. 3 years ago, I maxed out my $3,000 Credit card. Lost my job, place, and car. Now the credit card is trying to sue me for $6,000. Obviously, the other $3,0... |
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 Is a paralegal just as safe to use as a lawyer for bankruptcy? |
| A co-worker of mine referred me to a paralegal that has helped a few of her friends and cousins get through bankruptcy. He is only going to charge me $600 (as opposed to up to $1700 with a lawer) and ... |
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 My wife secretly opened credit card accounts under my name? |
| I just recently found out my wife opened 2 credit cards under my name without telling me. She's been taken money out of those credit cards for gamble. And she didn't make payment on those ... |
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 What website can I go to to get a copy of my credit report for free with no credit cards or monthy payments du |
| I am trying to look at my credit report ot find out if my house phone provider is reporting my payments and bills to any credit bureau. I dont want to sign up for anything that requires payment. I ... |
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 How much of my credit card balance should I pay at a time? |
| I just got my first credit card. The online statement came in on Aug. 17th for $150. The due date is Sept. 12th. Since Aug. 17th, I have spent another $200. My question is, should I pay the $150 on ... |
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| Does paying late on your credit card statment effect your credit? |
| My due date is the Sept 15th I just got the bill today and Its for 500 dollars I wont have the money until Sept 19th when I will pay the full amount is this bad for my credit or will it not make a ... |
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 Question about financing a car? |
If I get a car loan for 20,000 at 9.04% for 72 months is this really bad? How much more in the end will I pay with the interest then?
... |
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 Is Credit Debt Killing you? Do you think The Government should stop the predatory practices of some of these? |
| Lenders....... Id say that once you have paid 3 times what you originally borrowed .... then you should be out of debt. But NOT with revolving credit ...... I see way too many people being allowed to ... |
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[[McCools]] | How can I stop collection agencies to stop calling me? |
I had a financial crisis a couple years ago when I lost my job, but am working now. I had a couple debts go into collections and they are calling me 10 times a day. |
 |
 
oncameratalent
 |
You can stop a debt collector from contacting you by writing a letter to the collector called a "Collection Agency Cease and Desist Letter". Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. The debt will likely be sent back to the original creditor and/or re-sold to another collection agency, at which point you send a new Cease and Desist letter to the new collector.
There is also a statute of limitations on debt collections, which varies from state to state. There is a listing of all state statutes and a sample Cease and Desist letter on the following website:
http://stopcollections.blogspot.com
___________________ |
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Fishy
 |
Dont answeer their calls and just pay off your debt |
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Logan F
 |
if they are fcking up your life... i have a funny thing to do to them
if you have caller ID on your phone, put the reciever from one end a phone to the other hole... it will screetch at a really high decible level... do what the 1 guy above me did |
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SlimMick
|
In response to the first advise of sending a "Collection Agency Cease and Desist Letter," this can work but be careful....If this debt is only two years old, it will be within the Statue of Limitations regardless of what state you live in....If this debt is large enough, sending a "Cease and Desist" letter might provoke more aggressive action, such as their filing a lawsuit....so be careful. |
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bdancer222
|
A cease and desist will probably get you sued. Collection agencies are going to court for smaller amounts.
It also is NOT true that you can go back to the original creditor and don't have to deal with the collection agency. Unless these debts are less than 6 months old, they were likely sold to the collection agency and you will have to deal with them.
When they call, are they leaving messages or do they actually speak with your? If they speak with you, there are rules on the frequency they can call you. However, if they are leaving messages and you don't return the call, that's a different story.
The best way to get them off you back, is to work out a settlement agreement. Get a copy of your credit report (AnnualCreditReport.com). Start with the newest derogatory item and work back -- the older the item, the less impact on your score. Ask for delete for payment. Some will, some won't.
If the debt is 2 or 3 years old, offer 50%; over 3 years old, offer 25%. Lump sum gets the best deal. Payment plans have to be short term. Get it in writing and keep it, along with your payment proof, forever. Don't give the collection agency direct access to your bank account. |
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lief
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change your phone number...LOL |
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Ervin
|
Simply pay the debts....if you don't they would take you to court, so its better to pay the debts. If you are not able to manage your debts you can go for debt consolidation. They would guide you in planning your debts and would thereafter provide you an affordable debt management plan. So through that you can clear your debts within some years depending upon your amount of debts.
Here is the source for your reference : http://ezconsolidation.com |
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terje_treff
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When they call you tell them that you're interested in setting up a payment plan to pay off the debt. Once you're on a payment plan they won't bug you. |
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Gertie
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if you have their address send them a cease and desist letter stating you will only deal with the original creditor of the account. |
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