 What do you need to make a visa card ?? |
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well..sorry i didnt know that saying 'make a visa card' is wrong ...yes i mean how to apply for ... |
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 A $50 medical bill from my old insurnce co. in 2005 went into collections. my credit is 819, will they sue? |
-I got a Collections letter today for $50!? It's an overpayment from a past insurance company. Date of service was 11-6-2005 for a medicine prescription.
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 Recieved a summons from a credit card. I am being sued for the sum of $11,364.24 with intrest rate of 11.990%. |
| First of all I did not charge this amount. My credit card limit was no where near that amount. I had used the card about 3 times cause about the 4th time when i was going to use it i couldnt find it. ... |
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 Is it bad to keep transfering your credit card balance, just to keep that 0.00% APR? |
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You know......when there are promotions they state something like "0.00% APR for 1 year." After that promotional period has ended, does it look bad to ... |
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 What is the right way of fixing your credit/paying off your debt, without outside assistance? |
| My husband and I want to sell our house, but have made the really difficult decision not to at this time, since our debt seems to be really high. We've got about five student loans, two ... |
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 Credit counseling or debt consolidation? so confused!!!? |
| my husband and i are in credit card debt 35,000.. medical bills around 1,800 and school loan about 5,600... we are paying them all the minimum and killing ourselves doing so. we both work and hard to ... |
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 What's the best way to improve your credit score? |
| Hi. I'm a 22 year old college student and I've had my fair share financial struggles topped with poor responsibility, but now I'm wanting to build for my future. I've torn my ... |
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 What is the difference between good debt and bad debt? And could you give me expample of each.? |
| I just read somewhere where you can make money off your good debt. I just wanted examples of this.... |
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 Capital One credit card? |
| I used to own this card about 5 years ago. i was late on payments and they had put it to a collection agency. paid everything about 6 months later. this really ruined my credit. now theyre sending me ... |
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 Social Security Numbers? |
| So I'm sitting here with my girlfriend, and her sister - and we want to know how they come up with your social security number? Like why do some start with 364, or 593 or 591??... |
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 What are some good low interest credit cards? |
| and which type should I go with? visa, mastercard, discover....is one a better choice than the other?... |
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 Is there a way for someone on disability and has bad credit to get a personal loan? |
| i need a loan and i have no income except for my son's disability check and help from the state and i have bad credit is there anything i can ... |
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 Bankruptcy question? |
| i am contemplating filing chapter 7. i have an investmemt condo in miami in my name and my wife's name. will this be exempt from my creditors? ... |
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 Is it good to have a balance on your credit card? |
I'm new to credit cards.
I was always under the assumption that paying the full amount that you put on your credit card that month, at the end of every month (right before the due ... |
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 I'm 48 . Is that too old to start getting a Ph.D? |
| I mean most people my age are thinking of retirement. I feel like Rip Van Winkle.... |
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 Need help dealing with a collection agency? |
| These big Turds from Allied interstate collection company is calling my cell phone every hour looking for my wife. They are trying to collect a credit card she stoped paying 10 years ago in ... |
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 I checked with 2 credit scores sites. my equifax fico score is different. one is 518 and the other is 621 ,? |
| how do i know which site / and score is correct. i think this some bulls*** , unless someone tell me otherwise. please help me let me know, also what can i do to get credit score up. i have one line ... |
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 What credit card can I get if I have bad credit ? |
| I have bad credit and need a credit card. I need one that I can use to withdraw funds from the atm or use to make a money order. This is to pay my rent thats why I need either the cash or the ability ... |
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TheQueenOfLA | I keep getting harrassed by this credit agency. I spoke to them and told them that my debit was b/c of them... |
they were suppose to take money from a bank and the took it out from an old one and i told them to fix it the day it was supposed to be due and they said okay and they took it from the account that i had closed. Then we made agreements to pay a certain day and they screwed that up as well plus, they took money out on the wrong day. Now, after 2wks ago after speaking to them telling them I had no way of paying them. Because, I don't have the money to pay it. Not like its alot but when u don't have hours at a job u can't afford nothing. Anyways, their still calling up every 30 mins to 1hr from 8:30 in the morning til like 10 at night their calling. My mom tried to tell them it was harrassment and to stop calling. They still call! Plus, now their calling my cell phone. Its like its hard for them to send a letter out with what I owe them but they don't send **** out. What can I do to make them stop calling me? Should I report them to the FTC? |
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halestrm
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First, let me start by saying document everything. First, draw up a timeline of the problems. Also, keep a pad of paper by the phone and write down the time they call.
Before you report them, write them a letter and send it certified. Outline your issues and tell them that they may not contact you on your cell phone. You can even tell them that all communication needs to be in a written form.
Below is a link to the FTC.gov brochure on fair dept collections. It outlines your writes, what to do if you feel they have been violated and how to file a complaint.
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.pdf
I would also contact your attorney generals office to find out if the collections laws in your state are even stiffer. You can also file a complaint there.
Hope this helps. |
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davetumalty
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Under the consumer credit act you can instruct a creditor that you will not entre into any further corrospodance which will make it illegal for them to contact you by phone, email, fax or text unfortunately they can still contact you by mail.
You must put this is writting, It always works the creditor wont keep calling after you've told them not to because they can lose their consumer credit license |
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Speedie
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You need to actually send them a letter. Under the Fair Debt Collection act, if you send them a LETTER requesting that they stop contacting you, they can't contact you unless it is to say there will be no more contact.
They can only contact you between the hours of 8 a.m. & 9 p.m. your local time.
If they are harassing you and calling numerous times throughout the day, you can file a complaint and even sue them. See the following info regarding that.
Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. |
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luciousgreeneyedlady
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as long as you owe money, they will not stop calling you and there is nothing you can do but pay them. |
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Keta
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Honestly any answer given here is not going to get you very far. We don't know or understand the whole situation, we don't know your credit history and how much you owe them (do NOT post that info). But, this is to be expected from a credit agency. I know for a fact that they wouldn't be harassing you if you had just paid off your bills on time to begin with, and blaming it on not having hours at work is no excuse, find a new job if you don't get work enough. You should not have credit cards/loans if you know you can't afford to pay them.
They are only doing their job, there is no reason to take this to the FTC. You give out your information when you apply for a credit card/loan so that they can contact you if there is a problem, and not paying your bills is a problem. If you want them to go away, pay off the bill. |
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Janell R
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Report them asap!! I actually paid a creditor off once and they tried to say I only paid half. I reported them to the FTC but they told me all they could do was put them on record, also I went on-line and filed a complaint w/ the BETTER BUSINESS BUREAU- They actual sent the company letters about my complaint and asked them to respond. I got a call from the company telling me that my acct. was cleared.
Use the phone # to the FTC that was posted for you.
(they'll also give you advice on what to do.)
Listen to the person who told you to document everything (when they called, what was said). I disagree about not putting in a complaint until you send a certified letter. Put in the complaint and send the letter- the FTC will advise you on what you should included in it.
I don't know if the BBB can help you because you still owe them. But it couldn't hurt to try. Here's their address: www.bbb.org |
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arnold t
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just tell them that you dont have the money wirte now tellthem you will pay them when you get money and start saving up |
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Adam B
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Contact your state government- ie: my state has it's own branch of consumer protection-and I've contacted them a few times over harrassing creditors-and the creditor's always stop calling. If your own state can't help you-then go the the FTC. I wouldn't even bother sending the certified letter to the creditor-just go to your state's website and file a consumer complaint. And they can't call after 9 pm and they can't call on Sunday's-so if they;'ve done either right now they're in violation. And your state can make them submit records of everytime they've dialed your house. Beware though-it will hurt your credit by not paying them-and they can turn around and sell your account to another collection agency and the nightmare could start again from the beginning. |
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methodos
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Pay them the money you owe them and jsut rid yourself of the hassle. |
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