 Will I get a late charge for my capital one credit card? |
| my payment is due tommorow.and i put it in the mail yesterday however tommorow is a holiday.it is the first time it has happened.anyone know how much i will be charged.... |
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 Son refuses to pay father for his car loan.? |
| My friend asked me for advice the other day and I wasn't sure what to tell him. His 21 yr old son bought a new car 6 months ago. His father had to co-sign the loan. The son agreed to make weekly ... |
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 Will not paying off your credit card completely in a month hurt your credit score? |
I got my first credit card last year, I've used it a lot and got a few credit increases, and have paid it off in full at the end of every month.
However, this month I've spent ... |
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 How do i get $4000 by April??!??! I really need it...? |
and i dont have a co signer or a loan
Additional Details
no co signer or ... |
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| how bad can medical bills affect your credit? I was informed of a medical bill that has been reported. tell me the bad news.... |
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 Who has to pay his father debt? |
My friend's dad is in jail since a couple of months. He owns some money in credit cards. Who will have to pay for the debt? Since obviously the father will be unable to pay
Additional D... |
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 What is better a credit or a debit card? |
| mainly using it for online purchases and buying things like clothes, shoes, phones, etc...... |
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 Aside from shopping convenience, what are other advantages of having a credit card today? |
| I intend to avail a credit card for myself. But before plunging in, i would like to know if i really need it. Is credit card a boon or bane?... |
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 How come NO ONE will give me a loan or credit card when my credit rating is 652? Is it THAT bad? |
This is all so confusing.... I get declined wherever I apply for this stuff and nobody can help me and now I have all these inquiries on my report and.... UGH. Shoot me. =/
Why is it everyone ... |
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 Pulled my credit and scores are 609equifax, 642transunion, 672experian. had 2 car loan 1- $28k and 1-$21k..? |
| paid off the $28k loan early last week (sold car) so now I only have 1 car loan at $21k. Wondered if that 609-equifax score might increase because of the $28k debt being removed. I need it to go ... |
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 I have had a cash payment put into my bank account of £270 and it was not me or anyone I know. what do I do? |
I am not going to " steal" it but if someone has paid into my account by mistke will they get it back or will the bank keep it?
What do I do?... |
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 Is it bad to have a high credit limit? |
| I want to increase my credit rating, so I have been putting small purchases like trips to the grocery store on my card. I pay it off every month. I have had this card for over five years, and have ... |
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 I need help or suggestions??? |
| I'm just starting my credit and I have nothing on my credit report, I mean 0, nothing, nada, what can i do to start building my credit, some finance companies and banks dont want to give me ... |
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 I am a authorized user of one of my mom's credit cards and? |
| I made this card so that I can get credit(had no credit) this was about 3 years ago. I recently pulled up a credit report and saw that my mom's credit card had about 50 percent balance of the ... |
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 I have a credit card question?...? |
| I have been trying to find a good card that will accept me. i dont have the best credit but isnt there some cards out there that i can apply for and actually get it?... |
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 Is it better to...? |
cancel your credit card accounts or keep them open.
Does this help your score more if you have open credit or canceled ... |
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 How do I get an car loan with bad credit? |
| I am trying to finance a car but on my credit I have a few charge offs and a judgement. I would like to find a loan from a fianance company rather than going to a buy here pay here place can anyone ... |
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gcutter | I am being sued by a collection agency through their attorney? |
I was served papers -" to appear by filing a written answer the petition of plaintiff" How do i do this? I cannot afford an attorney (it was a credit card co charge-off and i wrote a cease letter to collection agency 8 months ago) |
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libbybaldwin29
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If you were served papers that you are being sued, if there's a court date then you need to attend. If you don't attend the other party (the collection agency) will win by default!
Just because the original debtor placed it as a charge off doesn't mean you don't have to pay! The collection agency has every right to sue you for a debt you have not paid!
If you fail to show up, then you will automatically lose!
If you take the advise of some of the other posters and simply do nothing, you will owe the full amount! If you show up at least you can explain your case and try to settle for a smaller amount and set up payments right there! |
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Sun and Sand
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If it is court papers then your being sued and will lose. Call the attorney and explain the situation and provide proof the credit card company agreed to the charge off. If you can't prove it, then it didn't happen. Credit card companies lie all the time so they may have told you it was a charge off but will deny it if it isn't in writing.
As for the form, go to http://www.uslegalforms.com/ and buy the form you need. Send it to the court with a copy to the attorney. |
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cowboy
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dont worry they use scare tatics..if they sent the card to you unsolited then they cant do anything..collecting agencies are trying to scare you..also an attorney will not charge you for the first visit and will give you advice..in the mean time do not under any reason talk to them no talk at all..send 5.00 a month and never explain anything..again do not answer any call from them hang up |
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the crusader
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If it was a charge-off, then you don't need to worry about it. Even if a credit card is past the statute of limitations or has been charged off, the creditors can still attempt to collect the debt. Check the statute of limitations for your particular state on www.ihatedebt.com before you do anything. If you attempt to start paying them now, the statute of limitations will start all over again. Don't worry, this is just one of the many scare tactics the credit card companies use--and usually get away with. Good luck. |
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john e
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The written answer should contain the case number it was given the court it is being tried in the parties involved and your answer to the charge. Then go to the clerk of that court and introduce it into the records. This means give it to the Clerk of Courts they will time and date stamp it and file it.
Also bring a copy for you and one to send the opposing attorney. They all should be stamped |
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drgnotary
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You go to court, and explain your circumstances to the judge. Try to get the payments to a price you can afford. (Don't lie, don't tell them something, they may want to hear.) Pay off the debt as quickly as possible, and don't default on it. If you default, they will garnish your wages. |
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brit
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When you go to Court ask the judge or anyone if you can "FILE A SLOW PAY MOTION" Call an attorney in your local area to get the meaninng of that if you do not know what it means. Legally, you have to have a law license before you can give legal advise. |
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jhedlind22
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You were served? Did someone appear and give you the papers, or were they mailed to you? It sounds like someone is trying to trick you with a scam, do the documents have your state seal on them?
Charged off credit cards do not mean that they can't collect the debt. However, the likelihood that they actually filed a lawsuit against you is so tiny, I have to think someone is lying.
Worst case scenario, don't show up in court and they will get a judgement against you. A judgement is not money in the hand, just like a bad debt is not. Wage garnishment is pretty much impossible for bad credit card debt.
You should read my answer on fixing bad credit.
jhedlind22@yahoo.com |
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luciousgreeneyedlady
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The collection agency has every right to hound you for money. Unless the cease letter was written from an attorney, your letter won't do any good. If your credit card was charged off, you still have to pay unless you file bankruptcy. |
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