 Sister using us as a co-signer? |
| My sister in law is 19 and going to college. Her Mom is trying to get my husband and I to co-sign a loan for her because the parents and all 3 siblings have bad credit. I asked why they can't ... |
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 I paid off a Credit card 7 years ago, closing it, now a debt collecotor is calling me on it? What can I do? |
| This has showed up on my credit report for years as paid in full, now the account has fallen off my credit report due to time passing. I ask them to provide me proof of the bill, or a contact number ... |
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 I have recently gone through a divorce and want my name off of joint accounts...? |
| My ex uses an account that affects my credit, my name is still on this account. Any ideas on how I can get my name off this account?? Thanks!... |
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 How can I use my credit card's benefits without the credit card companies making any profit? |
| I just was approved for both an AMEX blue credit card and a Chase Freedom credit card. Can anyone give me strategies that work while dealing with the credit card companies. I always payoff my debt at ... |
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 Is amazon a safe site? please answer!? |
Ok soo...My dad doesnt trust his credit card number with
any internet sites at all! I believe amazon is a good site because my friends order stuff from it ALL the time. I'm not a big ... |
|
 Does opening a bank account and continually putting money into it without taking it out establish credit? |
| I opened an account and I want to know: if I keep putting money into it and rarely take any out, does this establish credit? If not, how can I? A person said something about purchasing something at a ... |
|
 When they say if you make an extra mortgage payment you reduce your balance does that incl taxes & insurance? |
| e.g., if your mortgate is 747. then you add property taxes, and homeowners insurance making the payment 1242. do you pay the 1242 or the 747?... |
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 Debt help? what to do?? bills, rent etc? |
| I have somehow got my self into about £15000 worth of debt with creditors, on top of that i have now fallen behind with my bills and owe two months on my rent... Where do i stand and what can i do?... |
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 Can I get a loan with bad credit? NO PAYDAY LOANS! I need a gauranteed loan. $10,000.? |
| I can't get a loan from anyone because I have bad credit..made a few bad choices in the past, and still getting penalized. I need a second chance. Please no S... |
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 HELP! what is the max time a creditor has to collect on a debt.? |
| I had a creditor contact me via mail regarding a passed due balance from 1990. to be honest I don't know if I ever even had an account with them.....They are threatening to attach my credit if I... |
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 Can credit card debt be passed on after you die? |
| It is my understanding that unsecured debt can not be passed on to your spouse or children when you die. I work in the credit industry and when assisting a client who's husband or wife has ... |
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 If I pay off my car loan, can I get any of the negatives, removed from my credit report? |
| I was late a couple times on my car payment. If I pay off the whole amount, is there any way I can negotiate them removing any of the late payments from my credit report?... |
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paul_rolfzen | Mother passed away with lots of credit card debt? |
my mother passed away with over 50,000 in credit card debt. she has no insurance and no estate. i am getting letters from collectors and letters from places that say they are lawyers but appear to bbe collection agencys. can they make a son inherit there parents bills.... |
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smile4cobra
 |
No as long as you were not joint in the accounts with her and you didnt sign a personal guaranty.
Collection agencies do have inhouse attorneys as far as the letters go.
What you need to do is notify them that she has passed and than sent them a copy of her death certificates. They will close the accounts and take their write-off. Dont worry they have insurance too.
Additionally, not only can they not pin it on you...FDCPA says they can not discuss it with you. Its third party disclosure. |
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glisten1971
 |
Unless you name is on the bill as a co-signer - NO, they can not - In fact all you need to do is send them copies of your Mom's Death Certificate (a few times) and that's the end of it... |
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pablo_asawa
|
No Paul they cannot ..they can only sue for the estate that your mother left behind..sorry for your loss.... |
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justgetitright
|
Paul
There is no way that they can collect a cent from you,
unless you co-signed also, it is illegal for them to state t
hat they are attorneys if, in fact they are not
Please have a look at the link below.
Sorry to hear about your Mother |
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dixie58
 |
no -you are not responsible for your moms debts.you say there was no estate so there is no money from your mom to cover these debts.i would write on the bills outer envelope return to sender addresse is deceased. if they call tell them there is no estate and your mom left no money to cover the debts tell them not to call you anymore you are not responsible.they will have to write it off as a loss.sorry about your mom good luck to you! |
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mytwodogs60463
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I found out when my dad died I wasn't responsible for his bills. Once there dead they can't collect. Send them a card from the funeral home with his date of death. That's all you got to prove. Change your phone number and get an unlisted number. after you do this it will go away. |
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Richard of Fort Bend
 |
No, you can't inherit somebody else's debt.
The estate can be raided to pay off the debt (and whatever you take from the estate can be claimed by the creditors) - so be darn sure to keep her assets totally separate from your own.
If she gave you money or assets while she owed them money, they may be able to claim that - depends on the state.
There is little you can do to keep them from trying to collect. That's what they do. When a pigeon poops on you it's only being a pigeon.
You may wish to hire an estate attorney for an hour to get the local laws laid out clearly. Could be the best $200 you ever spent. |
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Barry auh2o
 |
Check w/the billing statement. . Sometimes, there might be life ins on the card , That would be a big help.
Do you have an attorney??? |
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spliceit
 |
If an Estate is insolvent then the credit card companies are out of luck. However, if someone else was using the cards, then the credit card companies can go after them. |
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kate
 |
Not in the U.S. , unless you co-signed the loans or card apps .
What country are you asking about ?
< |
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The Iconoclast
|
First of all, sorry about the loss of your mother.
Next, these vultures probably started calling you before the wake, huh? These people are DISGUSTING! They will try and harass you into paying her bills. They will try and get you to sign something that will hold you LEGALLY responsible for her bills. Do not sign anything. In fact, send them letters (don't sign them, just initial them, signatures have a weird way of "jumping" from your document to theirs when sent to collectors) telling them to stop calling you or mailing you or you will sue. Make sure to send it registered mail.
www.clarkhoward.com has a message board that you can post your question on as well. Clark is my personal favorite radio personality and one of his staff may be able to help you a lot better than I can. The link is http://clarkhoward.com/p/boards/ch/wwwthreads.pl
Also, you can call his staff and ask for help. If all else fails, contact an attorney.
Good luck |
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irish_sweetie
|
I'm not sure.
but i am so sorry for your loss. |
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