 The gas pump said my debit card was "authorized", but now the bank says I must pay overdrafts, is this legal? |
| I used my debit card several times to put about $100 of gas in my car. I got a letter today from a collection agency saying that I owe $600 in overdraft fees and penalties. Each time I went to the ... |
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 Credit card qustion anyone know about credit cards? |
| ok i just got a credit card with so much money on it i dont wanna mess up my credit so can i olny spend the amount of credit they gave me or can i go over it then pay the bill of what i spend when it ... |
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 Which is better payday loans or log book loans? |
| My wages are low this month as I was off sick, so I need some cash really fast, probably about £500. Please reply ASAP as I need help fast!... |
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 How many times can a creditor sell an account to a collection agency? |
On my credit report I've noticed that when a deliquent account is about to fall off as it is called another collection agency buys it.How many time or years can this go on?
Additional D... |
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 I got credit when i was 15 using my real social security number, do i have to pay off me bill? |
| When i was 15 i used my real social security number to get credit because capital one was sending me advertisments in what not for there card with my name. So I wrote back to them with my ... |
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 Can I use a prepaid credit card for buy something online? |
| I Checked on the website, and tried to call but they're closed does anyone know? Im using the company (Netspand)... |
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 How the hell to pay a $17500 credit card debt? |
| I've really overspent my credit cards for the last two years. I've purchased nothing valuable, and to be honest I don't even know where the money went. I make $12 an hour and try to ... |
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 Cashing check?? |
| my friend got a check for a days work but the check written to her says shirley lee when its suppose to be shirley ly. can she still cash it? her acutal name is phung tieu ly.. i don't wana go ... |
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 Will opening up a new credit account lower my credit score?? |
| I'm working on improving my credit score since I filed bankruptcy two years ago. I was told to open up a couple of credit cards. I just opened up a Lowe's credit card a week ago. As soon as ... |
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 Credit card? |
| i've never had one. can you please tell me the basics: how to prevent credit card debt, how to use your card wisely, and what type of credit card i should apply for, how to get/maintain good ... |
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 I have $5,000 in collections. my uncle is paying it off.how can i get if cleared off my credit or up my credit |
| my uncle inherited a lot of money. he is going to pay off my debt that is in collections. it is about $5,000 dollars. i heard that paying this off won't help my credit score and i will still ... |
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 I have so so credit and I got this card with a high annual fee? |
| Will this annual fee ever go down or will it be high forever. I don't have good credit but I am working on it.Thanks!!... |
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 What does your credit score need to be to get a mortgage? |
| I can put down between $20,000 to $40,000 and would like to know what my score has to be to get a mortgage. I live in Texas (if this helps). My credit could be better and is mostly school loans. D... |
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 Cash/Currency...Will it become Obsolete? |
Do you believe one day (paper) money & Coin will no longer exist?
Will we all have a numbered card for identity and purchase?... |
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 Are lawsuit summons offical if they are sent through regular mail ? |
| i posted a question earlier about being sued for an old credit card account the summons was sent regular mail is it legit i am asking because i researched the compant thats trying to sue me and they ... |
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Donna K | If I have a debt from 10 years ago,It is not on my credit report..Am I still responsible.Collection called me. |
The collection agency also keeps sending something to my moms to get a credit card (some unknown name) of theirs with a payment per month in order to get my credit straight. They said if I call by the end of this week, I will only have to pay 60%%..This sounds kinda fishy to me.. |
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Barcadcadacada
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No, it's a scam tactic, companies buy old debts and try to get you to repay them, even though they are no longer any good. Be careful, buy answering them incorrectly, or even by sending a small payment you can revive the whole debt. |
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Nikki S
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If it is not on your credit report, number one, do not send any type of payment or commiment to these people or phonecalls, number two, send a cease and desist letter, let them know you are serious and willing to press the issue with the FCRA and courts if necessary. |
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?
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Is it really truly your debt? In other words, did you buy something, borrow something, or accept something for which you have not yet paid for?
If so, YES.....you ARE responsible, whether it's on your credit report or not. Be a decent human being and pay your debts!!!!!!! If you don't, you're essentially a liar and a thief.
If not, then don't worry about it, it's a scam.....and they can F*** off. |
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Jenn N Kentucky
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check your states statute of limitations on collections, usually it is anywhere from 5-7 years, ignore or report them. |
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cartertoons
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If the debt is 10 years old and the account has been charged off from the original credit card company (card account shut down and sold to collection agency) you may not be liable. You need to find out what your state law is regarding this. Most will, after seven years of an account being shut down and into collection, regard that debt as no longer yours. If you had any negative mark on your credit report it drops off after 7 years, bankruptcy is the same. Don't respond to the collection agency, just ignore them and eventually they will stop. If you talk to someone you'll just "stir up" that old "phantom" debt and they'll keep hounding you. But definitely don't pay a dime, you're not liable any more. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://starturl.com/tyjxb |
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bevrossg
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Go to daveramsey.com and ask him on his radio show. He knows exactly how to handle these problems. |
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curtisports2
 |
Debts established by court judgement are valid in most jurisdictions for ten years, and can be renewed for ten more. If the judgement was not discharged by a bankruptcy, that judgement is still collectable, even if it no longer shows up on a credit report. Most debt collecting outfits give up long before ten years, but some don't.
If this thing is ten years old and you are just starting to get calls about it again, it sounds to me like the judgement was renewed, and some new debt collector has got hold of it. If this is the case, and you never went through a bankruptcy, or did and neglected to list this debt on your schedule, it's a valid debt and you are obligated to pay it. The part about contacting your mother is out-of-bounds on their part, though, and if she sends them a letter threatening to sue if they don't stop - do everything in writing and keep copies, phone calls are nowhere near as effective - I'm sure she'll stop hearing from them. |
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turkus07
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you are responsible until you pay time does not erase debt only a legal action can do so |
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