 Debt consolidation question? |
| I have been searching the net a bit, but not sure what i'm looking for. I'm looking for a way to consolidate my debt. I have never done this before, and not sure what place would be good. O... |
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 Should i go out tonight?? |
| i get paid tomorrow but i owe my mum £500 and counless amounts to credit card companys and the like, and i only get paid £500 (poor student) my mate said he would lend me some cash?... |
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 My dad got a check and is giving it to me to use to pay for my car. How do I put his check in my account? |
Dads check + _________ = $ in my account
Additional Details
It is a check he got for a job he did. so it is from them to him.... |
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 How will cosigning for a Cell Phone affect my Credit? |
A friend of mine was sent to a collection agency because of breaking a lease for an apartment... so her credit sucks.
She's asking me to possibly cosign for her to get a new Cell Phone plan.... |
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 I just graduated from college and am having trouble finding a job! What should I do? |
| I am a single mother of two. I currently am living with my boyfriend and I am not happy. I want to break up but I am afraid I will not be able to find a job fast enough to be able to support myself ... |
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 How does one build up a good credit history? |
| I need to start over and need help! I need steps to to do so thnx!... |
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 I want to build credit but no one will approve me for a credit card? |
| I want to build by credit so that when i graduate college in a year i can get a nice car or apartment. I can not seem to get approved no matter what. i have no credit history and i need help.... |
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 Car loan help credit score? AMEX help credit score? Please HELP!? |
| I have 10 revolving & 3 installment accounts listed, 0 mortgage & 0 other {no student loans, no car loans, etc}. All 13 of my accounts are in good standing. Only 4 of the accounts are open ... |
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 Shall I pull out my credit score on a regular basis? |
| I am having a fair credit score. I need some credit asap and so am trying to improve my score. So shall I need to pull out my credit score on a regular basis? Say once in every 1 month, 3 months, 6 ... |
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 What should I try to pay off 1st? |
| I have a repo on my credit which I owe 6000,I have 4 credit cards 1. is 345, 800, 1004, and 800. Plus I owe a gym 600 Should I try and put all my money towards the repo or should i pay off the same ... |
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 Should my fiance file for bankruptcy? |
| I have really good credit. My fiance made some really bad decisions in the past and has terrible credit. (credit cards, overdrawn bank account car loan .....) We are buying a home . We are planning ... |
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 What would u do if u found a $1000 on a street? |
look for owner?
keep it?
spend it on what? urslef? someone homeless?... |
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 Help...PLZ!!!? |
| My dad bought me a Jacket last week from Wal-Mart store by ( not sure Cedit/Dept Card), and i found it too big, I can't wear it and now my dad is in another country for a business. If i return ... |
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 OMG I can't pay this.? |
| I just got my Visa bill and it is over 800.00, I bought some stuff recently and it bumped up my minimum monthy payment wayyyyy toooo much, Oh my god-I cannot pay them 800 a month. Do I call them? W... |
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 Credit card question? |
| Ok,i bought my game console with my credit card.The thing is,that console is now doesn't work as it should and i'm thinking of getting a replacement from the shop where i bought it...my ... |
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 I have 2g which debts should I pay off first? |
| Okay, I'm going to get my financial aid in a few weeks. (2 grand) I'm planning on using all that money to pay off some of my debts, but I'm not sure which is a smarter thing to do. S... |
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gusto2257 | I want to sue a creditor. does anyone know where i may possibly find some legal help in California? |
i signed up for a cingular phone. I signed 2 contracts. one with the dealer and one with cingular. the dealer's, MSWireless, contract stated that if i were to cancel within 6 month i would be billed by them $100.00. If i were to cancel within 2 years cingular would charge me $150. okay so my service was cancelled 6 months and 3 weeks later. this was in 2004. i just got my credit report and it shows that MSWireless has sent me to collections $100. i called them and they hung up on me. i called back and asked to speak to a super and left a msg. no one has yet to call me back. so i want to sue. some one please help |
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andy3191
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well let me ask you this. did you pay the $100 fee ? if not that's why it was sent to collections. but if you payed the $100 by check. go to your back and have them pull up the check off of micro film and request a copy of it and dispute this w/ the 3 credit places by mail and send them a copy of your copy and keep records of all of this. |
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bruce d
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Pay the 100 bucks. life is too short. Don't pay unless you need a better credit score to buy something significant. Sprint will give anyone a phone, with a small deposit. |
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hop0409
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go file a small claims suit against MSWireless. It's easy and affordable. When you go to court, be sure you have all your documentation. (You can save money if you serve them yourself instead of having the sheriff do it).
Good luck...get those jerks! |
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suzettelessard
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If you want to go up agaisnt a large corporation be willing to spend as much money as they are in lawyers. Large corporations have lawyers on staff. contract are written by lawyers to protect thier clients, they know every word. Unless you have the bucks to deal with them on thier level, you have limited options. You could write letters to cingular and try to make payment arrangements. Also, you could write letters to the credit reporting bureos and explain the cituation. The bummer is once you are in collections, it stays on your credit report, even when you pay it off. Consumer Credit counceling, is nation wide and helps with credit problems for free. Even though you have a strike agaisnt you, keep building good credit. |
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hopewaypinkywinkyrabbitgirl
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On May 9, 2005 there was a significant change in California law concerning the statute of limitations and when it begins to run. The Statute of Limitations on debt depends on the type of debt and your State's civil debt collection codes. Generally, unsecured debt expires 3 to 6 years after the last missed payment or the consumer's last activity on the account. Written contracts such as car loans generally expire after 6 years. Judgments can last up to 20 years and can require the judgment be renewed at a certain point such as the 6-year point.
Generally, the statute of limitations for collecting debts begins the moment you sign a credit contract! However, just about every state has specific rules on the running of the statutory period and some even have provisions to adjust (toll) this period. In some cases, making an actual payment or making a verbal or written promise to pay can reset or restart the limitations depending on your state code.
WARNING! While the statute of limitations (SoL) is running or even after it's expired, making ANY payment or signing a promissory note can reset or restart (depends on your state law) the statute of limitations. Always ensure the debt is valid, and then check your state laws to see if the debt has a statute of limitations BEFORE taking any other action such as making a payment or signing an agreement to make payments. |
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kvuo
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call up bill handel. www.handelonthelaw.com |
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carmarhal
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If you live near Van Nuys, try this place:
Law Dogs
Free legal advice Wednesday nights 7 p.m.
14114 Sherman Way, Van Nuys, CA 91405
818 908-3234
It's kind of a legend in L.A., a place where you can get hot dogs and free legal advice! |
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tlalteutli
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hmm a lawyer in california hmm very difficult hmm what can i say look in the phone book or hell walk out side calis full of lawyers |
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Eve
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If your poor go to Legal Aid |
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JazLive
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I am "puzzled" about the $100 charge 3 weeks after the 6-month period. Did the 6-months start on the day the contract was signed or on the date of the 1st billing? Since this is ONLY 2006 - merchants has to keep transaction archived up to 10 years after sales and longer if "litigation is initiated within the 10-years.
I was once an "Agent Cashier" - federal (a very short tenure) and I could not believe some of the justifications for many of the transactions that were coerced and approved without challenge.
You hurry and submit your paperwork -- were you notified regarding collections? I know of a case concerning the sale of a vehicle where two contracts was processed and two checks were issued from the bank for the same account. Over $30k was disbursed for a $14k transaction. The case "reeks of deception". When confronted, management claimed, "these [alleged] errors happens all the time". The excess funds were absent from the bank over 45 days. I can't understand how, they balanced inside of a monthly cycle - unless ... HEY -- they might have some of those creative "book keepers" from ENRON. |
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mjpanek68
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You can try Legal Aide, or whatever your local version of that is, but they do have income requirements. If you do make too much money I would suggest getting out the phone book, turning to Attorneys, and look for one who offers free consultations, or one that doesn't get paid if you don't win. What's that called? "Pro Bono right? Good luck, Cingulars sucks, I hate them,I hope you nail the @#$%^*&
to the wall!! (just kidding, tired and delirious, but I still know what i'm talking about!) |
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David H
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There is a much better way to deal with this situation. It is illegal for debt collectors to be rude, believe it or not. But can you blame them ? Look at what they do for a living.
"THE FAIR DEBT COLLECTION PRACTICES ACT" found at
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm. is a much for fun and exciting way to "stick it" to them. And best of all, it's free.
Oh, and submit your 100 word consumer statement to the credit bureaus explaining your situation. I love this one because credit bureaus will tell you they can't make your statement fit. You have to remind them that federal law is on YOUR side and they just need to find a way.
For a $100 you'll buy yourself too much aggravation. For free, you'll vent a little and feel much better, because the negative will disappear from your report in the end. |
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sgtgregg
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Start here at this link:
http://www.ca.gov/state/portal/myca_homepage.jsp
Good luck |
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nikkilimo
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You can have direct access to top notch AV rated law firms throughout the US and Canada for a very small cost through a monthly membership.
Through that you can get unlimited phone consultation with an attourney that specializes in that field of law, AND they can even draft a letter out on your behalf to Cingular to get your money back at no additional cost.
You should check it out on the website below.
Nikki Limosnero |
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