 Someone opened a discover credit card account back in 1989 with my SS# I just got a collection letter.? |
| Saying I owe them almost $8400.00 I had an account with $0 balance which I closed years ago. I got my discover card in 1997. How can I have 2 accounts? They say I opened one 1989. They have 2 ... |
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 The only income I have now is Social Security Disability, and I am unable to work. Can credit collections sue? |
| I owe a good bit on credit cards I had before I was disabled. I am now unable to pay them. My social security barely pays the bills. I am being threatened and they are calling my parents, whom I ... |
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 Halifax email: scam or not? |
| Hi I just got an email from halifax saying something about a statement which is funny as I'm not with halifax. Shoul I presume this email is a scam and if it is how, how the hell did they get my ... |
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 What credit card is best for someone who's never had one? |
| I'm lookin though some stuff on credit cards... seeing that I need one. I have some money saved up, I'm 18 and I've never had a credit card before.. so this whole thing is kinda new to ... |
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 I dont have very good credit, no bankruptcy, just a couple non payments adding to $800 can i purchase a house? |
| I dont have any collateral, but I have a great job and can definitely afford a home. What are the steps needed to purchase a home. I am going to be a newlywed in Sept. but my husband does not have ... |
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 How to use a credit card? |
| Say I have $500 that needs to be paid on a credit card. Once the bill comes in the mail does it help my credit score to pay off the whole balance rather than just paying off the minimum payment on ... |
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 Erh. Im soo mad my parents cancelled my credit card!!? |
| Ok,so they cancelled it b.c I went over my limit by 678$ what should I tell them inorder for them to uncancel it?!!... |
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 Does closing a credit card account hurt your credit in any way ? |
Got my first credit card the other day and was wondering whether to cancel it.
Additional Details
My current balance is 32 dollars but i plan to pay it in my next billing cycle.... |
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 Where's my wallet? It's been missing since last Thursday? |
I'm hoping there's some psychics out there.
Additional Details
I looked in the dryer and washer already, and I'd already gone through all my clothes... no dice... Checked ... |
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 How do i find a loan shark? |
hiya
im wondering how you can find a loan shark...? im trying to get a loan but cos of bad credit caused by my ex im finding it hard to obtain a loan for 15,000.
i know what ... |
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 Is this telephone abuse and if so what can I do? |
| is this telephone abuse and if so what can I do. I called the cable company and asked them about my cable, and this girl said if you want your cable like that it on you. then she kept sceaming at me ... |
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 Credit cards after bankruptcy? |
Please do not judge me or post nasty comments about bankruptcy...
My husband lost his VERY good paying job and could only get a job paying about $50,000 less. We got into a bad spot and ... |
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 Should I file Bankruptcy or pay my debt? |
I am about 30,000 in debt, mostly from credit cards.
I was married already when the debt occured but they are all in my name, not my husbands. This weighs on me alot. I stopped paying on ... |
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Debra C | I am wondering if anyone out there knows how to get a collection agency to quit harassing you 12 times a day.? |
These people from Applied Credit Card call my son at least 12 to 14 times a day, 7 days a week, and they are literally harassing him. They know his financial situation, but they continue to call and harass him up to 12 or 14 times a day (NO KIDDING!). How do you stop them from doing this? Our telephone company (AT&T) will NOT block 1-800 or 1-866 numbers. Applied Credit Card calls on their 1-800 number every time. He earns below minimum wage where he works, and I earn minimum wage where I work, so we cannot help one another. In other words, we cannot afford a lawyer to help us with this. Does ANYONE have any solutions here! PLEASE HELP!!! THANK YOU!!! |
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MBATXguy
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I will give you a couple of different ways to handle this problem..
1 - As others have stated, a cease and desist letter will be the easiest way to end this matter... However, understand, a cease and desist letter does not cover the original creditor.. Thus, if Applied Credit Card is the original creditor, this may not be successful..
2 - Their conduct is teetering on violating the fair debt collection practices act (once again, this is a gray area, because if Applied Credit is the original creditor, you have not protections)..
3 - State laws usually mirror federal laws AND protect the debtor from any creditor calling... Remember, you can tell someone to stop calling, and they must comply.. If they continue to, file a complaint for harassment. This can also become a civil matter as well worth recovering money..
Now, here is the one I like the most...
4 - Get a nice loud instrument or something which makes loud noise (I prefer a whistle or a bike horn)... When they call, have a little fun with them.. When they start speaking, pick up the phone and blow the whistle or horn or whatever kind of instrument in their ear.. Enough times of that will get the point... That is tough justice there for those people... And guess what.. You will get a kick out of it too because you are putting the stress back on them..
If you want, send me an e-mail (click on my user name) and send me your state.. I will research your state's collection laws and will provide you with the appropriate course of action.. If all else fails, I can guarantee you #4 will work... |
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peanutsgrammy
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You do have rights in this matter. First of all, they have rules to go by. They are not to call before 8AM or after 9PM. I doubt they should be calling on Sunday either, but I don't know for sure about that. If you tell them either by phone or letter not to call you again, the law says they can't. If they continue they are in violation of the Fair Debt Collection Practices Act. This is a federal rule. You can look it up and see what else they are violating. Keep in mind that your son still owes the debt. I hope this helps you somewhat. |
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Crazy cat lady >^ ^<
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ask them for there address and send them a cease and desist letter I don't know the correct spelling I hope you get what I am trying to say also make sure you send it certified mail return receipt requested. But be certain they can still sue you if the statue of limitations has not ran out |
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Crazyjester9
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Crazy Cat lady is correct. You (your son rather) needs to send this company a limited cease and desist letter, stating that they are only to contact him through US mail. Send it certified return receipt, and if they continue calling after they have received that letter they are in violation of the FDCPA and you can win an easy $1000 from them in the way of a small claims court lawsuit.
Also don't bother changing your phone number, they can usually track down the new numbers fairly easy. |
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55yrsnholdin
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Is this your personal number and not your son's? You need to inform them to cease calling this number that it is harassment. Or don't answer the phone on those calls. You have caller ID? Or change your number to an unpublished unlisted one. Eventually they will stop. |
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chad c
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sure, drop your current phone company and change your #. |
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Doctor Deth
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change phone number, make it private, get an answering machine and turn the volume down - screen ALL your calls - works for me with telemarketers - 99% hang up without saying a word |
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DRH
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Call an attorney, they will handle them for you. Get your credit straight now...... |
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boogsybaby
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Pay the bills! |
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gypsybruce
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contact your state attorney collectors can only contact once a month everything else is harrasment or ignore it will fall off your report in 7 years.the constitution clearly says no american has to pay for bills i have over 20 million dollars in bills i dont pay and they just fall off every 7 years i have never been denied for anything everybody wants to give me credit but i just deal with cash no banks,loans,nothing just cash and very happy everytime someone calls i call my aunt the nevadastate attorney and she slaps them with harrasment charges they never call again |
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Chelsea
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My boyfriend got into a debt management program, it helped him a lot. Maybe that's something you could do. |
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*dreamer*
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I had this same problem. I was getting calls at 5 o'clock in the morning! Next time they call, tell them that you are doing your best to get the money to them and that you are working on it, then tell them that you want to be put on a "no-call list". Then explain to them that you are getting too many calls all day long. I'm not good at being mean but this is what I finally had to do, just have to be stern with them. |
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Billy M
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Write a letter telling them not to contact you by phone and when they call tell them that you dont want to be contacted by phone, but if you do that they can contact you once more to inform you of there plan of action. Do not try to dodge the debit it will catch up with him. And he will have to be the one that talks to them they can not talk to you about the account unless your name is on it. |
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KathyS
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He earns below minimum wage? That's illegal. He should get another job and then a part time job on top of that and make payment arrangements. |
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Brian
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pay your bill and they stop- he works below min wage??? that is not legal... sounds like your in some trouble. |
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