 Can i use my Dad's credit card? |
| Ok so im going to be buying a cell phone (i already have one, but i want a new one). My dad gave me his credit card to do so, as i dont want to use bills to pay for a 300$+ phone, a cc is a whole lot ... |
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 I owe 6000.00 on my American Express Credit card and I dont have a dime to pay on it.? |
| I havent made a payment in 3 months and I dont know what to do because the money is not there to pay it. Please help. I am desperate. They are calling me like crazy and I need to know what is going ... |
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 How can I get credit when no one will approve me for anything? |
| I can't get any loans or credit cards or anything due to lack of credit. I put down a $300 deposit on my cell phone but come to find out they don't even report good payment.... |
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 English grammar problem, pls help.? |
Currently, I am attached to a bank as an credit analyst
or should it be..
Currently, i am attaching to a bank as an credit analyst
which 1 is correct or both of them ... |
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 Can loan companies etc actually see your credit record? |
| Or are they only given your credit score? I know I can view my whole credit record online, but can companies you are applying for credit with do the same? Can they find out how much you owe other ... |
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 A collection agency is threatrening to sue me over 200.00 will they sue over such a small amount? |
| i really cant pay this debt right now and i always thought they wouldnt sue over such a small amount. but they are threatening to.... |
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 Bank of american took my visa card and i allways pay my bill is this fare? |
| ill allways paid my bank of american visa on time and in advance now there takeing my card is this fare?... |
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 What happens to you, when you quit paying your credit cards?? |
| Hi everyone. Im 19 going on 20, and I have 14 credit cards. For a long time my ex boyfriend was paying the minimums each month and now that we have been broken up for a long time, he no longer ... |
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| I have a couple too many credit cards and I'm having difficulty keeping on top of the bills for them. If I want to cancel a couple of them do I need to have the balance paid off first or can I ... |
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 Would you report your own mother to the authorities for identity theft? |
| my mother has open various account under my name and now they are into collections. i dont know what to to becasues i couldnt live with that in my concious all my life......but then on the other ... |
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 I have received a letter address to my name but to the wrong address accusing me of being in debt and taking? |
legal action - the postman has given me it based on my surname - do i have to pay the debt?
Additional Details
It is not my debt - I have never been a customer of this company.... |
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 What is "APR" in reference to my credit card? |
I just got my first credit card, and it says my APR is 21.99%.
My boyfriend tells me that whatever I buy, I have to pay 21.99% of whatever I bought to the credit card company...which ... |
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| My fiance and I want to get married. I have a 40k student loan in default. Will this affect his credit? |
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 Why can't i get a credit card? |
| I'm 18 and im finally able to get a credit card, wat wood be a good interest rate, the 1 i looked at was like in the 17-20 percent rate, i tried to get a walmart card and even at walmar tthey ... |
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 DEBT: I owe $8879 how should I pay it off??? |
| Student Loan: $2625, Best Buy Card: $2029, Old Mastercard: $2871, Old car loan: $1090(it was reposed and this is what they want from me b/c it didn't get full value at auction), Hospital Bill: $2... |
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S Hillard | I owe $709.99 for what? |
I got a paper from a collection agency today for some... I don't even know what it is or who it is or what they do.. company, saying I owe them $709.99. I have NO IDEA what it is. Never even heard of the place that handed it over to the collection agency. What should I do?? |
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Pit
|
write to the credit bureau and dispute the charge, they will investigate, if they don't fine anything against you, they will erase the item from your credit report.
:> peace
. |
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DebtWillEatYouAlive
 |
The very worst possible advice you could get would be to call them. Never communicate with a debt collector over the phone.
What you need to do is write a validation letter. That is the proper way to ask a creditor to give you evidence that the debt belongs to you. Never do that by phone.
The Fair Debt Collection Practice Act (FDCPA) requires a creditor to cease further communiction with you and cease any collection efforts until they have responded, in writing, to your validation letter.
Here is the applicable text of the Act:
FDCPA Section 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. |
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EQ
|
There's a good chance it's just a scam. You can call them, but if you do make absolutely sure you don't give them any personal information--not your social security number, not anything. Only have them read you the info they already have and verify it.
If it seems legit, don't try to handle it over the phone. All your communications should be in writing, preferably registered mail. Keep copies of everything. Ask for the paperwork of who you're supposed to owe and for what. Here is a sample letter asking them to validate the debt:
http://www.creditinfocenter.com/forms/sampleletter9.shtml
You should also monitor your credit report. You have the right to one free copy per year from each of the credit agencies--you can get all three at once or (a good idea) spread them out over the year:
https://www.annualcreditreport.com/cra/index.jsp |
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keith s
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call them and have them send you the information on the account i.e. original creditor.
Get a copy of your credit report to make sure there is no fraud |
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Adoptive Father
 |
I recently saw an article in the newspaper very similar to this situation. The creditor must prove to you that you owe the money. Ask for a copy of the bill, loan documents, credit card bill or whatever the case might be in order to prove the debt.
DO NOT under any circumstances send them any money. Sometimes scam artists will say "As a show of good faith send me $20 and I can ask my boss to work out a payment plan" or "Well, you really owe us $700, but send us $100 and we will call it even". If you send them money a court might interpret this as an admission that you owe this debt. |
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Mariposa
 |
Contact them by using the information listed on the paper. For best results, send a certified letter to the address and dispute the debt. The credtor has 30 days to respond back to you and show proof that you owe the debt and that the original creditor gave them permission to collect. Make sure you check the date and ensure that you have not passed the statute of limitations for your state. The link below contains sample dispute letters and other useful info. |
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Searcher
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First of all, you need to call the collection agency, because that allows you to put the charges into dispute. I believe that they have to disclose the information about where this money is owed and how you incurred the charges. It may be that your account was mixed up in error. But if you ignore it, it is the same as saying that you agree that you owe the money.
So, call and get the information and then dispute the charges if you find out you don't owe the money.
Another issue, it's possible that someone might have stolen your identity and charged things in your name. So, as someone else mentioned, pull a credit report. |
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sunshine
 |
call them |
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Jen
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There should be a contact number on the form. I suggest calling them and ask them to provide proof that you owe the money. They must give you proof, usually a copy of the original bill or the collection notice they were sent from the original submittor.
Once you have this document, you can contest the charges, otherwise they need to write it off. If you have a common name, it could very well be someone elses. Good luck |
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Gnome
 |
Obviously, none of us know what it is, but the agency that sent you the notice knows. Call them.
Companies turn over long past due accounts to collection agencies and they attempt to collect the debt.
There is that possibility that this is identity theft and you need to take action now to save your bacon.
You are going to have dispute this and you have to know what and who you are dealing with. The collection agency has to provide you with this information. Once you know this, you can contact the credit bureau and notify them of this and protest it.
Good luck!! |
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kja63
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Call them. |
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BabyDaddy-U Gone Smell my cologn
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First, call them and dispute it. Then today, go to http://www.annualcreditreport.com and look at your credit report from all three bureaus. Pick dispute. The credit bureau will then notify the company. |
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borigyrl18
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Call the Collection agency and they'll give you the information you need as to what this $709.99 is in reference to. I would also, go on-line to free credit report and check your credit to see if there are accounts that you have not opened and report it. |
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Grannygrump
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America may be different but I would contact them immediately and ask them who these people are and what you are supposed to owe them. If you get an unhelpful answer ask them to supply you with proof of the debt. In England we have Citizen's Advice bureaus who would take this up on your behalf. If they can't furnish you with proof say OK take me to court, they will then have to prove their case. Don't let them rattle you stay calm and insist on them supplying you with the information you require. |
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