 When i went bankrupt yesterday? |
| most of the other people who went bankrupt bragged about how they maxed up their credit on their cards and bought things like Televisions and holidays.But I still had thousands of pounds worth of ... |
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 How can i improve my poor credit? |
| How can I improve my credit and credit score? I have poor credit and am trying to make it good again.... |
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 My husband and I have Been married for 25 years,and over the years,we have 42,000 in charge card debt.? |
| We have outstanding, credit, but are sick and tired of robbing peter to pay paul (saying) not being able to go on any vacations, because we pay about 1,000 dollars a month just in charge cards. S... |
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 Can i transfer a student loan(private student loan) over to a 0% interest credit card? |
Additional Details
the reason i am asking is because
i have 6k in private student loans
they are charging me 10% interest
i have a credit card willing to give me 0% ... |
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 Credit Score Anyone??? |
| I am soon to be 21 and I have a 770 credit score. Is that good? Will I be able to finance the entire price of a car???... |
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 I need a loan and i dont work am gettin maried in aug and need money fast.help? |
| ive tried lots of loan companys and they take to long or i dont get anything .i dont no what to do and gettin really stessed.am gettin married soon and did money ... |
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 Can you go too jail if you ordered stuff Online? |
the teacher asked us a question.
Can you go too jail if you ordered stuff Online and you didn't pay? What if you used the billing address to somewhere and the shipping order too your ... |
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| How do I go about eliminating my credit card debt? |
| I am 23 with a nine-month-old son, and I owe (on top of my student loans from college) approximately $30,000 in credit card debt. I am looking to do a debt management/consolidation program, but was ... |
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 I need advice on credit card debt? |
| I have about 2,500 in credit cards that went to collections, what happens if I start over with new means of rebuilding my credit and stay on top of making payments will my credit score go back up or ... |
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 How do i remove negative account history from my credit report? |
| i have a copy of my report and although all put one account remains open , some closed are in my negative history list!! i am trying to raise my score.. for the pat three years i have been paying ... |
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 How can i ruin my credit on purpose? |
| i hate the idea of being worth only what a credit company tells me i am. i want info on how to ruin my credit beyond repair.... |
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 Garnishment of wages? |
| with a garnishment against your wages can they take money from a checking account in your name?... |
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| I am moving overseas from UK and am in debt? |
| what methods to debt collectors use to chase debt in another country does anyone know ? If you buy a house can they find you, serious answers ... |
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 My sister is in debt, creditors have refused reduced payments what does she do now? |
Additional Details
She got into debt through an ex partner, basicially he was a charmer and she was a mug. took her for every penny that she had then turned violent towards her ... |
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 Should I pay my credit card balances and leave them open or close my accounts? |
| I have three credit cards (only about $1,500 total) and I am paying them off when I get my income tax returns. Is it better for my credit to keep the accounts open with a zero balance or to close ... |
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bubbasparxxxx2003 | How do I stop bill collectors from calling my work? |
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punkmommy
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Send them a cease and desist letter. |
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schumilvr
 |
Good luck. Yes, it is illegal but they do not care. We had one calling one of our associates. Being the manager I told them to stop and we are a place of business. They didn't stop. |
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*~*Super Star*~*
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get their address or fax number and inform them in writing not to harass you at work and if they continue then you can take legal action against them because it's against the law once you inform them not to call for them to continue |
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Shredded Cottage Cheese
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easy, you inform them that they are not allowed to call your place of work, period! Any further phone calls will be a violation of the Fair Credit Collection Act and would be subject to civil penalties and a criminal complaint of harrassment that will be prosecuted to the fullest extent of the law.
You have the right for them not to call your place of employment, but they don't want you to know you have that right. |
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Chris R
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Tell them not to. Tell them now that you have asked them not to that it's illegal for them to continue. |
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bribri
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So sad how many people are grossly misinfomred...number one-look up the fdcpa.It's the Fair Debt Collection Practices Act.It regulates collectors-it's also FEDERAL law.NOT A LAW VARYING BY STATE!!!Once you tell them ONCE to stop calling and they continue to call,they're violating federal law.IF you can pinpoint IF it's in fact a collector and NOT the original creditor(because they can do whatever they want)send them something in writing preferably to stop and point out they have ignored your requests,tell them you have no intention on paying the debt,and if you can fax and send a cert letter/notarized.IF they continue,you can file a federal complaint against this agency for violating the FDCPA.Nine times out of ten they settle.Also other vio's that get you paid are disclosing your debt to third parties(family,neighbors)calling saying it's even regarding a debt,and also if they make legal threats-they can't do that either.Calling before 8am and after 9pm your time,calling multiple times look it up-it's easy to read and spells it out.They aren't supposed to do do anything but aquire your location information,and that's it.We ll know they break the law and it's time to get their asses back. |
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scarpatchi
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tell them that you will call the police if they call agian ,and by law they cant call more then once a week |
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cutie pie
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that's a good question; debt collection laws are different in very state, so it would be helpful to know where u live---in general, once you've made a collector aware that the cannot call you at work, they cannot; doesn't mean they won't try, however-------a really useful website i've used is pennlawyer.com, which has excellent information on a debtor's rights--it's info from a very knowledgeable debt collection attorney, Lawrence S. Rubin------u can easily check the Fair Debt Collection Practices Act online, also, and see how it applies to the state u live in---good luck |
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Ray S
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it is simple, just send them a certified letter to stop, if they do not make a note of every time they call and file a lawsuit against them and when ever you get a chance call them repeatedly to remind them they now owe you money, and where is it |
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Deadrea
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I own a risk managements firm (aka collections agency) and I can tell you...
The FDCPA prohibits a collector from contacting you at your place of employment... #805.C. If the collector fails to comply with your request, you may contact the FTC and file a complaint.
Below is a link to the FDCPA guidelines (PDF Format) and a link to the FTC (Federal Trade Commission). |
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DickyD
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You have a job obviously, you borrowed the money with a promise to pay it back. Pay off your debts and they will quit bugging you. |
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smiley_face_boxers
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Yeah, by paying the bill.
I had that happen long ago, and it was so embarrassing to have bill collectors calling me at work.
All good now years later! |
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Maris
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You tell them this is your jobs number (they know that) and by law, they cannot continue to call you there. So just tell them they need to remove that number from their file - they will want another number tho. |
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stevexnelson
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Don't take the calls. Hang up on them. Send a certified letter to them that you cannot speak with them at work. Never talk to creditors on the phone. Only communicate in writing.
Good luck. |
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GG
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just tell them you have no intention on paying...
they aren't calling to harrass although it may feel that way... they make money on you paying... (a percentage of what you pay goes to the collection agency)... if you tell them you are not collecting b/c you have NO MONEY or NO INTENTION on paying then they will turn it over to another department but they will stop calling... |
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butterfly234
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pay the bills |
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