 Is credit card a necessity in day-to-day life??? |
| Please provide me sufficient information on why one needs credit card???... |
|
 Withdrawing from an ATM? |
| Is it possible to withdraw from your checking account at an ATM that doesn't have sufficient funds? How much will it cost me to overdraft? But I have the intent paying back the bank in less ... |
|
 Credit Card Numbers? |
| How can one use credit card number if I give him / her away mine without the actual card ? If you can not sweep the card at the register, my card is safe right? If not, how can I track down who is ... |
|
 Does my address go against my credit score? |
If a previous occupant has a poor credit history, will this affect my credit score?
Additional Details
If a previous occupant has a poor credit history, will this affect my credit score?<... |
|
 Can somebody use my credit card even if he doesn't have my credit card? |
| but when I give him my credit card number can he still use my credit card with it to pay something?... |
|
| I owe on my car, can they freeze my bank account? |
| I owe soo much on my account in SC for my car that they will not accept a payment arrangemant or defer a payment. I am saving to by me a used car for no more then 3500.00 dollars. Then I am going to ... |
|
 I have horrible credit and would like to get a credit card? |
| I was told that if you have a credit card with a high limit and only use 10-30 % of it that will raise you score drastically. Does anyone know of any companies that will give credit cards to poeple ... |
|
 If I die, will my husband inherit my student loan and credit card debt? |
Additional Details
The reason I ask is that we are looking into buying life insurance and wanted to know what each of us would be liable for so that we know how much life insurance we ... |
|
 Will it help my credit score to finance a car and to pay it off immediately? |
| I am trying to build credit so that my husband and I can get a homeloan. I am used to live within my means and to save until I can afford to buy what I need. I have enough money to buy a car in cash. ... |
|
 Can adding a person who has bad credit on my credit card help them improve their credit in the long run? |
can adding a person who has bad credit on my credit card help them improve their credit in the long run? do the credit report agency count that?
please reference any sources you may know ... |
|
 Credit Cards??? Please Help...? |
Okay so I am trying to get my first credit card... I want to build up good credit considering I currently have NO credit...
My problem is that I have applied for a couple of credit cards and got ... |
|
 Payday loan advise? |
| My husband and I defaulted on a payday loan and now the company called us and told us that it was bank fraud. does anyone know if they are just throwing out "big words" at me or are they ... |
|
 How soon after an account has gone into collections were you issued a judgement? |
| I have an account on my cred. report. Last date of activity was October 2002. It is listed under the collections area of my report - and it is listed as a 'current delinquency'. I get a ... |
|
|  |
mrartist69 | How do I respond in a letter to the lawyers on the discovery, that they sent me, on my credit card debt? |
I have a civil lawsuit against me on credit card debt. I've ask them to provide proof on debt. (Compel Discovery). They sent several copies on statements from my old credit card. Now they want me to respond to the discovery. What is the best way to answer them. I can't afford a lawyer or pay them right now. I don't want a default judgement. Please Help. |
 |
 
DR Hitch
|
I'm no lawyer, but you need to DOCUMENT something and when you send a letter to them, be sure to get a receipt with time-stamp from the post office to ensure you at a minimum replied within the time limit.
NOW....your reply might simply be "I got your discovery documents" or "I'm looking it over" or "I can't afford my own attorney"...but at least reply to them.....don't do nothing.
I'd be very surprised if there isn't some sort of "legal aid society" in your town that assists people who can't afford their own attorny. Just call your local government town hall and/or check out the "blue pages" of the phone book or "google" search... |
|
SunnyDays
|
I dont quite understand the question, if you have the debt,and they have proved that, all you can do is to make an offer of repayment to clear the debt |
|
Elkie
|
Best thing to do is make a deal with the lawyers (collection agency). Tell them that you cannot afford a lawyer, or to pay the large sum of money all at once, and you may even go bankrupt.
These people naturally want their money, so chances are they will make a deal with you and arrange a payment plan.
Call them and ask if it is possible, otherwise they may try to garnish your wages or income tax refund. |
|
PatV
|
Read the letter very carefully. Follow the instructions it gives you for responding. Contact them as it provides.
If there are no instructions how or what you are expected to do, then call their office and make an appointment to meet with the person in the letter. (Don't try and handle this on the phone).
Dress very professionally (as if going on a job interview); take all copies of the statements you have plus everything they sent you, including the envelope. Also take something to write down notes.
Be prepared to make a suggestion how this debt can be repaid. "not having the money" "can't pay right now", etc.. will only result in a lose-lose for you. Take your checkbook with you and be prepared to make the first payment.
Taking a positive step to repay this debt is the only way you're going to resolve this. I don't know how many other debts you're owing, but you need to rein in your spending and buy only what you need and can afford. |
|
Apple21
 |
In terms of responding to discovery, you must be truthful. You don't have to provide information not specifically requested, but you must answer honestly. If the debt was paid, or partially paid, then say so, and provide proof of payment. If the debt was not paid, then you must say that.
If you still owe this money, I would suggest you contact the attorneys before this goes before a judge or arbitrator and make a settlement. You may be able to pay an amount less than that being sought by the plntff. Also, if this actually gets to the judge, they make seek court costs and atty fees. My advice...try to resolve asap. |
|
Brand X
|
If you don't have a lawyer, this case is probably not worth too too much money. With no lawyer, you won't know what discovery requests you can object to...like whether they are irrelevant, prejudicial, etc.
Take the doc they sent you. Your response will look like theirs at the top. Instead of Request for Discovery, your doc will be called Response to Request for Discovery. Then just do your best to respond to each request. What matters most is the substance of your response and not what it looks like. The judge will be able to tell you are making a good faith effort. |
|
TC
 |
First, see if Legal Aid is available where you are. Contact the local Law Institute to find out about this. It may be called the law institute, law society or similar. If you can get legal aid that will be best.
If you really have to deal with it yourself, at least try to get some advice from a community organisation - many have services for people in difficulties like this, they may be able to provide you with some advice.
Don't mess with it if you have no help and don't understand what you are doing. You could end up in worse trouble. And DO NOT ask the bank's legal people to help you out. They are not on your side. |
|
Tom Cat
 |
Negotiate a settlement. Remember, it is not in their interest to bankcrupt you. For them, something is better than nothing. |
|
DaMan
|
Welcome to Grown Folks Land!
Where not paying credit card bills can land you in court!
Who would've thunk it?
Prayer changes things. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 8 minutes(s) ago
| | | |
1 | 39 minutes(s) ago
| | | |
9 | 40 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 5 day(s) ago
| | | |
10 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
