 Can you increase your limit to spend in a credit card if you pay money to it? |
| My credit limit is £2000 but I need to do a single payment of £4050. Is it possible to pay £2050 to my credit card to increase the money available to spend up to £4050? My current balance is £0 ... |
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 Will my credit get fixed if my ex files for bankrupcy? |
| My ex used up all of his credit card worth 47K. I was an approved user of his accounts but never even swiped my card on a purchase. If he filed for bankrupcy, will my credit be fixed as well? I know ... |
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 How young do you have to be to have a credit card? |
| i'm wondering if there is like a program you can sign up for so kids under a certan age can have a credit card or something, because I've heard about kids using their parent's credit ... |
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 How long does a chapter 7 bankruptcy stay on your credit report? |
| I filed for bankruptcy at the end of 2001 and it was charged off in 2002. I thought that bankrupycies last on your credit for 7 years and now I've heard 10. Does anyone know the true answer ... |
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 How can I check my credit score? |
| Is there a website that I can see my credit score for free? Also,Someone told me that my score l will lower everytime I look at it... is that true?... |
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 Late mortgage payment by 1 day?? please help? |
| I made a payment on the 28th psat business hours and the 30th fell on a sunday. So the payment did not post until the 1st which would make it a 30 day late payment. even though it was paid 2 days ... |
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 How do apartment people know your rental history? |
| How do they know without you telling them? Or do they even know?... |
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 My Identity was stolen, what should I do??? |
| How do I find out what all they are doing with my identity?... |
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 I owe $3500 to Bank of A. Can I settle with $1,000? |
| The original loan amount was $2000 and it is now $3500. They sold the debt to a collection firm called Phillips & Cohen. I have been able to raise $1,000. How can I settle with them with this ... |
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 I need a credit card I sort of have NO credit so I cant get approved! Where can I get one online? |
| I dont have credit..I have a full time job and Im a part time student...SO where online can I apply and most likely won't get rejected????? HELP... |
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 Why do people get so mad when bill collectors call them? Isnt it there own fault that they fell behind? |
| I know people have hardships, but when you think about it there was nothing in my contract with Citibank that I didnt have to pay if I lost my job..I was just wondering..... |
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| Can I pay to clear defaults on my credit rating? |
Instead of waiting 6/7 yrs can u pay to have the defaults removed?
I know it used to happen!
Additional Details
Please let me stress that I know people who have done it in the past.<... |
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 Is it true that Credit Debt will wipe itself out in 7 years? Or Should a person pay the debt to clean credit? |
I am 26 years old, and I have credit debt from the age of 19 years old, I paid a few of them off, but there is another $2,000 -$5,000 sitting on my report. What is the best course of action?
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jammyjfj | How long can creditors go after you for an unpaid debt? |
My boyfriend got a letter from credit card that he owed money from 8 or 9 years ago. I have the same credit card, and I am worried if we were to join finances like we talked about that the company will go after me for the money. |
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echo
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They usually "try" to collect forever.
Is it with a collection agency or still with the original creditor? If it is still with the original creditor, it either hasn't been very long since he defaulted, or it is with Cap One (just a couple of guesses there)
You need to find the statute of limitations in your state.
You also need to find when the date of first delinquency was on that card.
If he has had that card for 8 or 9 years, but only defaulted on it 2 years ago, he is probably still within the statute of limitations.
If he defaulted on the card 8 or 9 years ago, he is probably out of the statute of limitations, but you need to look it up to be sure.
If he defaulted that long ago and it is still on his credit reports, I would suggest sending the collection agency a debt validation letter. Send it certified return receipt mail. After receiving the green card back, send a dispute to the credit bureaus claiming - obsolete, please delete. (since the reporting period on a credit card is 7 years from date of first delinquency)
Then, if you are "positive" he is out of the statute of limitations, after it has been 30+5 days since the collection agency had received the debt validation letter, whether they respond or not, send a SOL letter.
I would suggest going to the site I've linked, you can find the resources for your letters and looking up the statute of limitations in your state. |
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smuir_21
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Until they are paid back plus interest. Why would they let it go. If they did it for you, then what's to keep everyone else from not paying. |
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zenbach69
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Didn't they get at your tax returns or sue yet? If not "F" them... not literally:P |
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worldstiti
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depends on the debt, it can be up to 20 years. if your name is not on that past due account they cannot come after you. Keep finances separate until all credit concerns are cleared up. |
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rpf5
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Its surprising that he was able to avoid them for this long without them at least putting a garnish or lien on him.
They will not bother you but your boyfriend needs to deal with it.
P.S. one of the other comments said that it was past the statue of limitation, thats not exactly true. The statue doesn't start counting until the debt was due and the length varies between
5-11 years depending on what type of debt it was & what state you are in, some debt, like student loans never expire. |
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macki4
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they have 7 yrs. and then you can still be found a made to pay |
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fallguy2004
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forever as long as they keep contacting you for the money. If they don't contact you for 7 yrs you might be ok. I have friends who have had there cars towed for owing on things. Have your man sign up for some credit counseling. In this 8 or 9 yr period he couldve been paid off by know. Try Seildman Law |
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normobrian
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They can go after you forever. However, YOU are not liable for his debt, even if you marry. Unless you signed the application, you are not liable. Period. |
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Garden by M
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ck your state..in mine it's 4 yrs....unless they have a judgement, then it's 20
your card is ok...boyfriend is not related to you in any way...neither of you is committed to each other |
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James H
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There is some useful advice here. |
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oh no!!!
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YOU are not liable for HIS debt UNLESS, you signed the credit card>>>>i hope you did not!!!! Do not join finances...With the divorce rate being at 51% in California i would not join finances!! word of caution!!!Also the company may try,,,,,like i said try, but you just tell them you are not responsible for his debt...and that's the truth.....The creditors will always TRY to get their money from some family member....But remember ONLY the PERSON RESPONSIBLE is responsible for his bill!!!Then hang up the phone!!!! |
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Darby H
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Most states have a statue of limitations as to how long they have to collect on a bad debt, I would guess that what ever state you live in that they have no legal grounds to collect but they can always use scare tactics and sue you. Just be aware of your rights and send them a cease and desist order, this will stop them from any further harassment, as long as your card was in your name and applied for by you and even if it is under his name and application as long as you have made the payments and stayed current, you have nothing to worry about, I am not an attorney but I know there are a lot of bottom feeding attorneys that look to buy bad debits sue people get a judgment and collect what ever amount they can watch yourself and and rear! |
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