 I have recently had a bankruptcy discharge. I want to buy a townhouse. Do I have a chance at all for a loan? |
| I have heard that there are loans for people out of bankruptcy, but I don't know of any company. Before this, I had perfect credit. I am desperate. I need some good advice. Thanks!... |
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 Which is better 3 or 2 credit cards? |
My available credit on my credit cards are
$4,000 $1,200 $1,500
The one card I am using is paid in full by the due date. Should I close one? I am thinking of closing the $4,000 ... |
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 Do you think i should file bankrupcy wheni was 15 my mother got alot of credit in my name about 20000 not mine |
People say report her but she is my mother and i think im just gonna file bankrupcy im looking for someone who has filed and what life was like after wards i hope that is enough info thanks
A... |
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 My credit score is 627...? |
| I have never missed a payment on any of my credit cards but i have some medical bills that went to collections. With this score would i be able to get a car or a house some day. How does this compare ... |
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 Would a child have bad credit when they grow up if someone used their information on bills? |
| My friends ex used his daughters social security number on a cable and telephone bill totaling up to about $1,500. Will she have bad credit when she grows up?... |
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 I am a student who needs a car loan. I have good credit.? |
| My car was stolen and crashed, and insurance is giving me about half what I need to buy a decent used car. I am a graduate student whose source of income is student loans. I have great credit yet I ... |
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 I have bad credit. Where can I get a loan ? |
Either a loan for $5000, or a consolidation loan for about $20,000. I have no assets, no security. Need a monthly payment I can afford.
I always gave in to my ex-wife's whims. Got ... |
|
 I haven't used my credit card for almost a year.. yet the balance doesn't look much different!!!? |
| I was getting into more debt than I wanted so I consolidated my cards onto one with 0 APR and have been slowly paying at it for the past year. Yet the balance doesn't look any different!!! I ... |
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 Which do I pay first? |
| We have about 13,000 in cc debt I am getting a tax refund check tomorrow and am putting the whole thing towards my debt but I am not sure which way to do it. Here is a list of my debt and apr cc1- 468... |
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 How can I get a credit card if I have a bad credit history? |
| I have just moved home and don't owe anything from this address.Are there any companies out there that are easy to get them from or are there any tricks you could share with me?... |
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 Which is the better credit card? |
I'm in dilemma between these 2 credit cards that I just received.
1st Card:
-8% APR (fixed)
-3500 points ($1 = 1 point) is equal to 25 dollars cash back. (less than 1% ... |
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 I need a auto loan from a credit union but don't have an account!? |
| I am told that getting an auto loan from a credit union is the best way to go and some even offer you 100% auto financing but how would that work would I have to become a member, do I need perfect ... |
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 Where can I get a loan for $2500 with fair credit? |
| I have already been scammed by Sterling Finche online and now find myself in dire need of funds. What to do? I am not a loser, I work (teacher) just had a rough summer. I sold everything I can sell! I... |
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 I am being sued for a $6,000 credit card in New Jersey from a collection agency. What do I do? |
| The card was with Providian and I had it way back in 1998. I was making monthly payments until around 2001. I ended up losing my job and shortly after moved to New Jersey. I have been living and ... |
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angel | I owe a credit card and they are threatening to go into my account and take what I owe them? |
They are threatening to use the account no# that I use online to pay their bills online, now I'm behind and they said they will just go in and get it; is that legal? |
 |
 
Jambi
|
Yes it is.Read the fine print in the literature they sent you when you got the card. You where warned then, and by using the card, you accepted the terms.
Owe too much? sell something.
And remember, the best way to avoid this is to only buy something you can afford. Want it but don't have the money? Save up. Credit is hard to keep good, but so very important.
Much luck.
Long Live Jambi. |
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Lizzy
 |
The need to have a judgment against you - unless you signed up for automatic payments or something like that. |
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Gem
 |
When you sign up for online banking & bill payment, you are told to read the Terms & Conditions, and I will bet that you checked the box saying that you read them.
Go into your account on line & search for the word Term or terms, then read it.
If that says that they have the right, then they have the right. If you used the site, you agreed to their terms, whatever they may be.
If the T & C's has no mention of this, then you may have a case if they did it. You would then contact your state's attorney general.
I would just stop using that account, there are no laws saying you can't move your account and then only send them money orders.
Have fun. |
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Jadis
 |
It's legal but it depends on how long you have been in arrears with the credit card company...it could just be a threat to have you make a payment. It's called an electronic funds transfer and you probably indicated somewhere in your contract that you would allow this if you defaulted on a payment. Putting a stop payment on this or changing your bank account will only make matters worse because you will then be charged an additional 30 to 40 dollars for insufficient funds every single time they hit your account for the money. I suggest you contact the credit card company and arrange some kind of payment plan. If they are not reasonable with that avenue you should go to a credit counsellor. They act on your behalf and will stop interest on the charge account. |
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Monet
|
this is why I don't do account stuff bec. they can always get you when they want! close that account open a different one |
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texcrazyhorse9
|
If they have a judgment against you, yes. Otherwise, no. Unless, of course, you gave them this right in your contract. Take it out and read it. |
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quileter
 |
No it is definetly not legal. you may just want to close that account and open a new one at the same time. Talk to your bank they can help you out. |
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UNI Panther
|
No, it's not. And as a safeguard, why don't you contact your bank and have your account changed and start paying them by money order. They won't have your information then. |
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David W
|
Generally, banks have a right of offset. If the card and the account are in the same bank they can take the amount you owe from your account. In addition the account terms my expressly give them the right. |
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Eagleflyer
|
They can't just take your money without a court order and/or judgment. You have to receive notice if they have a judgment against you. In fact, you have to have had notice that they are trying to get a default judgment against you. They are not telling you the truth, they're using really creepy tactics to get you to pay. Ask or write them for a copy of the money judgment against you. I'll bet they can't produce one. |
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nancy o
|
that happen to me and I went to the bank and close my account and opend a differant one and they dont bother me no more and I pay them when I want not when they want good luck |
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M S
|
No it is not |
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JimiHendrix
 |
No it is not... |
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dmk_bleeker
|
of course is not not legal, you have to authorize payments.
You should really try to make the minimum payment on time – otherwise they can charge you late fees and report you to credit agencies that will lower you credit score and make if more difficult and more costly to get credit in the future… |
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Renee W
|
Actually that is very ILLEGAL and you can threaten to sue them for harrassing you about this. Contact your credit card company and tell them you want to remove your information from online. If they go into your account and take money out without your authorizing it and without an authorization number, then they can be sued for accessing your account without your consent. That is FRAUD, and it very illegal, and they know it too, they are just hoping you don't. If they end up doing this, contact your local lawyer's office and see what you can do. Good luck to you! |
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rchlbsxy2
|
Look in the "terms and conditions" of the credit card agreement that you accepted when you received the card. If it says in there that they can do this then yes it is totally legal as you've already given them permission to do so.
If the terms and conditions don't say they can do this then you can ask them under what part of the law they are using to carry out this action (and ask them to be specific). If they can't come up with a law or a term in your contract to back themselves up (and let's face it they probably will) then you could sue them for theft.
But since you owe them a lot of money then you don't want to annoy them too much. |
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TC_43
|
they can't... the only money they can receive is what you alot them. |
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Donny B
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I think so, if they have a warrant or something. If they have prove that u have the money and arent paying them |
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Bat Thumb
|
Nope. They can't get into your account without your permission. |
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