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 An overdrawn bank account from a year ago has gone to collections. Can I go to jail if I dont pay?

Additional Details
Will someone anwer who knows what they are talking about please? This is not a "farud" case...it has gone to collections!...


 Every time you use a debit card does the bank charge you?
Like every time you use a debit card, does the bank charge you for that? Thanks in advance....


 How many credit cards do you own?
i once owned 12...im down to 3!...


 Im 19 years old and wanted a credit card?
hi i want a credit card im 19 years old have a 5 different bank accounts a few catalogues and wanted a credit card any body know any websites that might accept me thanks
ps please dont say the ...


 I need a loan but I don't have a bank account are there any online that will give you a loan one?
I need a loan so I can move but every site that i go to they are asking for bank info and i don't have a bank account is there any online that i could get a loan without having a bank account?...


 Can a credit card company get a court order to garnish your earnings?
If I owe money to a credit card company, they already send me to collecttions can they go to court to get a withholding order and take money out of my pay check?...


 Why is cash no good anymore?
i went to Dixons today to order something that they did not have in the shop, i went to pay for the order with cash, i was told sorry you can only pay for an order by card....


 I have spent 50000 on credit card. now i have no money to pay. wht will be the consequences?
shonnasweetu@yahoo.co....


 When writing a check and you have no funds what happens?
When you give a friend a check and their is no funds in your bank what will happen to the check?...


 Help!!!! credit card question?????
My Dad has a credit card if he adds me as a additonal person on his card so that i can use it will it help me to build my credit?...


 I have an unpaid debt from 1998 it is only this year they started chasing me for the debt wot rights do i have
can they still chase me for this debt as i was told that after 6 years it should be wiped y are they chasing me for it 9 years down the ...


 Credit cards?
How do you get a credit card when you have a good credit history, any ideas
Additional Details
I have a good credit history because I've never had a credit card but know I need one ...


 Who do I call to report a collections agency for calling me at work?I have told them to stop and they wont.?
I am looking for a fedral agency that can fine this company if they continue....


 How much should I make my initial offer to a collections agency to settle a debt?
So I've got a debt of 2999.17, and they sent me a letter offering 35% off if I paid in full (1949.46). I'm sure I can pay even less than the 2 grand, but I don't want to aim too low at ...


 If a credit card minimum payment is $50, and I pay $25 twice, does that count, or does it need to be at once?
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 Is it better to be without any credit cards or at least have one?

Additional Details
I know they are companies out there that aren't good, which companies are good to work with?...


 How can i get free money to pay off my debts?
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 Is it a bad thing if you stop using using your credit for more than 4 months?
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 Can i get a credit card if i have bad credit and which card would that be?
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 Can 13 year old boy apply for a credit card?
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StevoBambevo
Is this to good to be true?
Ok many people say if its too good to be true it probably is. Well my roommate gets a call today from Visa (his credit card company) saying tha because he spent a certain amount fo money on his card in the past 6 months, he was entered into and won a 2 night stay at a resort from a lsit of destinations. He asked multiple questions about costs and hidden charges and they insisted that the stay at the hotel was free and the only charge was that he had to pay the sales tax for the two nights which is not a lot of money. Could this really be true or do you think there will be hidden charges and disclaimers? has this even happened to anyone or anyone you may know?
                     
 




vangorn2000
It may or may not be a scam, but even if it's not, believe me that it's not a good deal. First, he should never give out his credit card number over the phone no matter what.

Second, even if what he was told is technically on the up-and-up, they likely got his name from one of those "mall contests" you see so much...fill out your name and win the car, etc.

What he will need to do is attend a presentation lasting about 1.5-2 hours where he will be highly pressured by salespeople into buying a timeshare, which he will not be able to afford.

Furthermore, there will be all sorts of restrictions on when he'll be able to use his "free nights."

1) He will not be able to use them on weekends or peak holiday travel times when hotels are typically already booked.

2) He will not be able to use both free nights for a single trip. He will be given two separate coupons for one free night each, which will not both be usable within 30 days of each other.

3) If the hotel is booked for any reason, he will be bumped in lieu of a paying customer.

4) He will not be able to use it at the hotel of his choice at the destination. The company will choose the hotel.

5) A minimum stay will be required in order to use the coupon. He will not be able to stay for just the one free night and then be done with it...he will have to be there probably for a minimum of two or three nights each trip, and will have to pay for the additional nights himself. And of course, during the week, this can be really hard to do.

So, unless he has a vacation already planned to one of the destinations of his choice during a non-peak travel period during a weekday and doesn't care which hotel he stays at, he's better off just ignoring the call.


Mandy
Maybe he should call the visa company and ask them about it.


kja63
Rating
It might be true. Have your roommate ask for everything in writing.


fredo
Did they happen to ask him what is card number, bank account or any other personal information? If so it was fake. If it really was Visa then they would have the info and it would be real I suppose.


foxgirlyamaha
Rating
It should be ok, normally when you have won something, they call you first then they send out information in the mail, if you friend is having doubts he could ring his credit card company and ask if the customer service person he is talking to know anything about a competition that they where running, if the operator doesn't know about it, it is possibly bogus.

i think he should wait for the written confirmation before he begins packing his bags


bdancer222
If they asked for any personal info, including his credit card number, he should call his credit card company and check. This sounds like a phising scheme. He will probably need to close that account.


Core
Rating
It's possible that Visa is doing some sort of contest, though I wouldn't trust someone on the phone claiming to be Visa unless they could answer something about my account that only the company and I would know.
I wouldn't agree to anything until I had the terms and conditions in writing to really make sure it's from Visa and not someone claiming to be them.


Rappel_Welch
Rating
Have him call the credit card company back and speak with customer service. Tell him to be sure that it was his credit card company that called him.
Personally, I've used credit cards for 23 years, and I spend a lot of money on my business expense cards, and have never had any one of them; Discover, Visa, Mastercard, Amex, etc. call me and give me anything but a hard time.


Pooty Pootwell
Rating
He should just ask for the contest rules. It's very possible that he won a legitimate contest, but he should double-check the rules, just in case.


you-asked!
hmmm, i would call the number on one of his bills to make sure it really is the credit card company. if it is really them, then hey maybe he really is lucky, but i'd bring my credit card just in case


Lorry.M
Rating
I could tell you this happen to my friend but 2 weeks after they made him pay the 3 nights he was stay. I was actually half the money and the tax. all I could tell you is that i could but at the same time you should be careful if you don't have to pay it after or if they wont take it from your friends visa card.


Cassie
Rating
It sounds legit, but you can't be sure these days. That's one of the many ways people get their money and identities stolen.
So make sure he asks if they are for real, and ask if he can talk to the boss, or head honcho. Just be careful, but it does sound pretty awesome.


Heisenberg
hmm

hopefully he didnt give them any personal information as that's a popular means of getting dirt on people when trying to steal their identity.

in the future, never accept a call from a credit card company. always ask them for their dial back number and then instead call the number on the back of your card and ask them to verify.

now, the good news. yes, it could very well be true. i get stuff from my credit card company all the time - tickets to shows, discounted or free travel, cash back - it all depends on the reward scheme I signed up for or that's associated with the card.

but, like i said, never trust that anyone who calls you is in fact who they say they are. always get a name and a number and compare the number with your records. sometimes all they need from you is a date of birth or a parents maiden name


mr.know it all
call visa directly. I have taken a deal like this before...I was charged about 200.00 on random things when I got there. It wasnt a big deal because the actually room and vacation was probably worth 2000.00 so you get 2000.00 for 200.00 wouldn't you take it?? Just tell your friend to be carefull and get full details from acutally calling Visa directly and asking them to verify that he has won.
Good luck...
A best answer would be awesome....
thanks


sofiamarialucia
It's absolutely too good to be true - how can you win a contest that you haven't entered in? Visa does NOT arbitrarily enroll people in contests. Let me guess - they wanted his card/account information to put in their system so they can get this going, right? I handle fraud disputes, and we see this sort of thing all the time; people call up saying you've won whatever, and they get you to provide them with your card information. They very often call with enough information to truly convince a person that it's legitimate; it's not. Your friend needs to firstly contact his bank to ensure that they have not already begun to put charges on his account and secondly shut down the check card/account he gave the information on to ensure that he doesn't get fraud.


tbomb189
Rating
idk. it could be a scam. tell him to call visa himself to make sure its actually them and not some random company/person trying to steal money from him.


Megan M
He should definitely get something in writing from the credit card company. If someone calls over the the phone it could definitely be a scammer.


Johny is fat
Its real, it happened to me.


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