 Im 18 and i wanna build up credit. what kind of credit card should i get? |
| i just thought there might be a good credit card that i should get. secure and all that.... |
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 How old do you have to be to get a visa debit card? |
| work colleague has one who is only 16 and i think he might be lying to me as to its wherabouts.... |
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 Why is my credit score so low? Detail Inside.? |
I have a score of 544 and Im going to list the details about it.
2 public account
8 total accounts
PUBLIC:
1. Rental Management company for $440, it was paid same day as ... |
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 What do I do? The dumb cashier kept my credit card.? |
| Okay, so I went to a burger place earlier today and did drive-thru. The cashier forgot to give me a receipt and my card back, and I totally forgot all about it myself too. I guess I was prob. ... |
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 Whats a good CC for peoples like us? |
Wife and I have low to average credit, but are now out of all debt (except mortgage).
We are looking for a credit card that offers some rewards since we already use our debt card to pay for ... |
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 How can I collect a debt from someone who is hiding from me? |
| Someone owes me several thousand dollars from a dishonest investment scheme. He lives in another state. I tried having my attorney bring him to court to get a judgement issued, but the sheriff can... |
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 I received a bankruptcy letter from someone who owes me money, $1200, what should I do.? |
| I received a bankruptcy letter from someone who owes me money, $1200, what should I do? Should I go the meeting they have set up in another state? Also, is there a chance that I will get my money ... |
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 I'm a little confuse about credit cards HELP!!!? |
| Everytime I buy something i'm ask if I want debit or credit, I always choose debit, but I've heard some say that's not a good idea, can you explain why people prefer credit???... |
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 Credit card company comming after me been 5 yrs ago? |
| is there a statute of limitations on credit companys its been 5 yrs since last payment did not receive any letters from them in yrs also.... |
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 Credit collections with wells fargo bank? |
| A few months ago i got fired from my job and i havent been able to make my monthly payments. Ive honestly been trying desperately to find a job.. but know one is hiring. Ive gone to interviews and ... |
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 Declined for credit cards? |
| i am 18 years old, I have a loan from a bank for my car..ive had it for about a year and i half and i have a year and a half to go, but i have never missed a payment. i tried applying for credit ... |
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Fallen Angel | In 1998 my 15 credit cards were closed because i lost my job now they are still coming after me. What can i do |
It has been well over 7 years and they are still harassing me. I thought after 7 years debts didnt have to be paid unless they were governmental debts? Where can i go for excellent legal help? |
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steve.c_50
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DON'T file bankruptcy. Find a consumer attorney and start suing the collection agencies if the debts are indeed out of statute. Probably just a letter of intent from the attorney will get the matter cleared and maybe a settlement check. |
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pobasted
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No. Don't file bankruptcy! The debts are no longer legal as long you don't tell them you will repay them. When they call you should tell them that you are no longer liable for the debts and to stop calling you. Also write them. If they continue you should see a lawyer. |
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Steveo
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There are statute of limitations on debt, but unfortunately, they are not governed by federal law. Since the states govern this area, it is all over the map on the time frames.
Check out the website below for your state. If you are still within the statute, you can only get rid of them by filing bk. That is the only way out. Otherwise, you can ignore them.
The best legal help is a good bk attorney. I went that route 8 years ago. My credit currently is above 740. |
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bdancer222
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Negatives fall off your credit report 7 years and 180 days from the date of delinquency. This does NOT mean the collectors can not continue to try to collect the debt. They can follow you to the grave trying to collect. It just means it cannot be reported on your credit report.
The second factor is the Statute of Limitations (SOL) which varies from state to state. This is the timeframe to sue for the debt. Check here for the SOL in your state: http://www.fair-debt-collection.com/SOL-by-State.html
Debts that old have probably been purchased by one of the "scumbag" collectors. They are very aggressive about collecting, including suing and hoping you don't show up so they can get a default judgment.
You can send the collectors a cease and desist letter and they should stop calling. However, they will probably just sell off the debt to another collector and the calls will start over again. |
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bob shark
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Pay off your debts |
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wartz
 |
They are pressing their luck hoping to squeeze something out of you. The statute of limitations for suing you is probably long gone but they can tie up your credit report for 10. |
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jersey girl in exile
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File for bankruptcy. |
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z
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You have a legal and moral obligation to pay your debts - have you learnt nothing in life!? Obviously not.
Do the right thing - pay your debts, or expect to go to jail or be beaten to a pulp by a debt collector. Nobody owes you a living!! |
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GG
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i used to work for a collection agency and how it works i like this: at the timeframe of about 6 years and 10 months, the credit card company whomever you owe, then sells your debt and then your debt timeframe starts all over. BOOM! your 7 years starts all over! |
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