 Where on the back of my credit card do I sign? |
| I just got my new Visa credit card in the mail...and I'm wondering if I have to sign the back of it or anything since in part of my mail it says "sign the back of credit card to verify"... |
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 Credit card minimum purchases? |
| Two stores where I live have signs up that say they won't accept a credit card purchase if amount is under 3.00. Is this legal? This is Alabama.... |
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 Credit Collections - Who Do I Pay? Collector Or Creditor? |
| I was involved in a hit and run motorcycle accident, I was hit by another bike while riding mine. Now I have 2 collections medical bills that made it's way onto my credit report that I refused ... |
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 I have bad credit!? |
| i dont know my score but it isnt good, at all! what can i do to start repairing this? i am already paying off debits, i have 3 of 5 paid off, but that alone work, what else should i do? i was ... |
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 What's the best way to pull yourself out of a huge amount of credit card debt? |
| Let's just say your buried, and your not able to pay more than the minimum every month...is there a better way?... |
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 My nephew is letting his house go into foreclosure as his payment is adjusting and he can no longer afford it. |
| My question is can the mortgage co. come after him later for the difference in what is owed and what they sell it for. PLEASE answer as soon as possible.... |
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 What are some things that I should know about and consider when getting my first credit card? |
Hey everyone--
I am needing to apply for my first credit card soon to start building some credit. What are some things that I should know about and consider when I am doing this? I am ... |
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 Whats the best way to pay credit card bills in order to obtain the best possible credit score? |
| okay, long story short... i just turned 18 and i need to get a car. i can't do that without getting a loan and i can't get a loan without credit (my parents won't cosign). i was ... |
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 Question about about bad credit and apartment applications? |
This place I want to live says they use a company called "safe rent"
I have a fica score of 541 does anyone know if I will pass the safe rent system. I have never been evicted.<... |
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 Credit Card Debt? |
| I have about £6000 of credit card debt from about 3 years ago. Neither company have attempted to contact me about paying this back (although I have moved house, jobs, contact details etc since that ... |
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 Secured credit card? |
| What exactly is a secured credit card?... |
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 Paypal service fee? |
| I read that there's a service fee charged to the seller for anything bought with a credit card, debit card or buyer credit but is there any other way to pay someone through paypal? I don't ... |
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 How do I get out of credit card debt? |
| Serious answers please. I had gotten a few credit cards so that I can have "credit". But then I had to use it for emergency reasons and now I have maxed out my cards. I don't have a ... |
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Sean | I got a call from a collection agency, should I call them back? |
They left a robo message with their phone number. I'm pretty sure it's about an old student loan, what should I do?? |
 |
 
*Amanda Leigh*
|
Call and settle it. Chances are if you tell them you cannot afford to pay the full thing they will work out a smaller settlement. Don't push that kind of stuff off, one day when you want to buy a house, that will be the reason you cant. |
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SlimMick
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If you call them back, call from a pay phone. If you call from your home phone, their electronic system will validate your # and the phone will start ringing off the hook....
Unlike credit card debt....student loan obligations never expire due to statute of limitations laws....you might was well deal with it.... |
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Miles C
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Pay the loan back
Taxes and student loans NEVER GO AWAY
DON'T WASTE YOUR TIME CALLING BACK
IT SIMPLY VERIFIES YOU ARE AT THIS # |
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www.californiacreditsolution.com
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Well, i would advise you pay them. Now, if your not in the position to pay them immediatley, do not talk to them on the phone. This will just open the door to creditor harrasment, as they like to insult you to prompt you to pay.
Keep in mind student loans are not dischargable, meaning like child support you cannot file BK to discharge the debt. That being said, start putting money away to make small monthly payments on the debt. First get a copy of your credit report to see if the debt is reporting. If it is over 7 years old it cannot be on your report(even if you still owe).
If it is being reported dispute it to see if the creditor or collection agency has the right to collect in your state, or if there has been a lapse in their attention on the account, which would result in a deletion!
If that doesnt work or the debt is too recent, contact them in writing specifying your intent to pay, and schedule a payment plan that works for you. Make sure that the creditor accepts your payment plan and will not mark you as late by not meeting THEIR minimal payment. |
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Worldly25
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Student loans never ever go away. The interest and penalties keep accumulating. The IRS will even get involved. Call and set up a payment schedule. |
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Mr_Blue
 |
Whatever you do require that they provide proof or evidence that you owe the money. But do not (repeat do not!!!)give them any personal information like bank accounts or social security number.
There are a lot of shady collection agencies out there who prey upon and intimidate people into paying debts that were paid off years ago. Be careful. Ask for proof. |
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Carlos a
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its depending on were you live, im having the same problem, dont sweat the little things be focused on your life now, |
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skeddy08
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collection agencies work on their own will and are not in anyway able to actively harass you for the money. They can continue to ask for it, but as soon as they start coming round to your house or looking for you without a court order you can try to claim harrassment charges against them depending on the situation.
Don't pay them. I must owe about £4000 from about 6 years back and they chased me like a rabid dog for a while but i haven't heard anything in about 4.5 years they eventually have to give up chasing and call it a bad debt. companies have provisions for these anyway.
I work in accounts too, so i can always get out of these things.
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jake.jakebson
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never call them back dude, that's ur warning to move... |
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