 What is the biggest amount of debt you ever paid off? |
| I am currently writing my story on my blog. On Christmas Eve 2008, I was unemployed with $647,000 of debt. I have since read Dave Ramsey's My Total Money Makeover and I am intensely focused on ... |
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 I would like my automobile repo and would like to know what is going to happen after? |
| I let a person use my name to purchase an automobile and his negative equity on his prior automobile cause the loan to be 45k. The car is worth 25k and the loan is still 40k. The person split and now ... |
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 Credit Card interest rate went through the roof, why? |
| Can someone help me? I got my 2 credit card bills the other day one is HSBC Bank and the other is CITICards, both showed an interest rate 19.99%. I paid both balances off in full and am considering ... |
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 Pay one off or put a little towards all? |
| With my tax refund Im going to pay credit card bills, however, which is smarter? Put the refund all on one card or put a little on each card?... |
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 If I had some money paid into my bank by accident do I have to pay it back? |
| I mean I really don,t have to say one way or another if its even in there If somebody asks do I?... |
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 Whats the best credit card for a 18 year old? |
| I need a credit card, that has no annual fee. Ive been looking into the PayPal Mastercard, but it says it has a minimum finance charge. Even though this probably wont effect me as my parents will be ... |
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 Does paying off your credit card balance in full every month still build credit? |
I am an 18 year old first year college student and I have a student visa through my bank. I have a 700 dollar limit and I think a 17% interest rate.
Every month I charge like 40 or 50 ... |
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 680-687 credit score, was denied 8k car loan from capital one. Make about 60-70k/yr. why? what next? |
| I work 7a-730p, so I have to be up by 545am to catch the bus and I usually dont get home until 830-9p. I dont live far from work, but I live in LA so there is always much traffic. My initial goal was ... |
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 My credit card company is raising my APR. Should I opt out of the rate increase and close my account? |
My credit card company is raising my APR in response to market conditions. Should I opt out of the rate increase and close my account?
Additional Details
Chase is raising my rate due to &... |
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 Need car loan but have bad credit? |
| I need a car loan for about $25,000 with a $3,000 down but I have bad credit(High 400ds) and I don't have a co-signer. What are my best opptions, and who can I get to give me a loan that will ... |
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 Transfered 2 of my cc balances and want to close the accounts? |
| I just got approved for an Amex Blue card for $6000.00. I transfered a couple of my high interest rate credit cards from my Express Fashion account and mu Household Bank account to my new Amex card ... |
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 Can a company place a CCJ against me if I am paying a reduced amount and can't increase it? |
| I have been paying a debt but they now want more money from me. I have never missed a payment with them, and they now want a financial statement to prove I cannot increase my monthly payment. If I ... |
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 Do you think all credit card statement should have to show a "last date to pay at a bank" date on it.... |
| ...ie: should it be up to the customer to have to work out..[-what with weekends complicating the maths etc]..the last day on which they can pay the bill, and therefor avoid incurring a late payment ... |
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 Credit card debt and ccj? |
| emigrating to U.S with credit card debt and ccj, after 5 years will they give up, or will they find me anyhow.Not leaving a trace of ... |
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 Bank canceled my credit card. Should I continue to pay? |
I just got a notice from the credit card company that due to my bad credit they have canceled my card.
I have a high balance in this card. I tried to keep this card in good shape by ... |
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Corey J | Need help dealing with a collection agency? |
These big Turds from Allied interstate collection company is calling my cell phone every hour looking for my wife. They are trying to collect a credit card she stoped paying 10 years ago in college. I told these bastards that it is past the SOL and stop calling me, then this Ivan hackman told me that they are going to keep calling until a resoultion to this matter and there is no such thing as SOL. he left this message 3 times today. can i go to the police for hassasment at this time anyone know. |
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saberhilt
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Ask them to send you confirmation of the debt.
9 times out of ten this will back them off for several weeks.
3 out of 5 times it will back them off for good.
However, truely the best way the get them gone is to contact the credit bureaus and get them to ask for confirmation of the debt. The creditor will have 30 days to respond to the bureaus. If they miss that cut off, the debt is legally forgiven.
This is something you can do, or you can hire people to do it for you. |
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dalbert
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Know your rights. Try looking for the "Fair Credit Collection Practices Act". Record all your conversations with them using the memo button on your answering machine (and let them know you're recording).
They should do enough to themselves. Keep all records by the way. They will end up selling the debt later on and it will come back again |
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bdancer222
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Google them to get the address. Your wife should send them a certified, return receipt requested, cease and desist letter telling them to never contact her or you again. They have to stop or you can sue them.
The debt is undoubtedly beyond the Statute of Limitations (SOL), the timeframe to bring lawsuit and it is beyond the reporting period. If it show up on your wife's credit report, dispute it as being beyond the reporting period.
Allied is one of thse zombie debt companies and they don't always play by the rules. |
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Jessica C
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Collection agencies are the hardest thing to get rid of and for them to stop calling. The best way is to be civil with the person from the agency and find out through them what is the best way for you to end the calls. It could be very simply but unfortunately that will be your best option for now because they won't stop calling unless you come to a resolution. |
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bud68
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Check this website: www.privacyrights.org. It has info on how to deal with this stuff. |
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Church Lady
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No, however, because it is a cell phone and you pay by the call you can tell them that they are running up you cell phone bill and do not call it any more. They can not cause you to incur added cell phone charges. However, the debt will not go away just because they are not calling you any more. They could choose to take legal action which could result in garnishment of your wages. Your wife is still responsible for the debt. When she took out the credit card she signed an agreement / contract to pay. (They can also freeze your bank account.) |
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steven k
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Dont pay them anything because the SOL will start all over.
Go here! Great site!!
http://800notes.com/articles/Article.aspx/KBN5c2IZiAC_wQjKBNRWFA |
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Jon Jong
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That's a tough one. I would definitely try filing a police report and see where that goes.
You can scare the crap out the kid (Ivan) by letting him know that you have already reported his name and Allied to the do not call list. Lie and tell him that they told you that Allied will be fined $1000 every time they call your cell phone. This works for true unsolicited phone calls but since this is your wife's old debt I am not sure of the laws. You can file a complaint here:
https://www.donotcall.gov/complaint/complaintcheck.aspx
If you want more specific detailed information on how to remove the collection item from your wife's credit report please read my site here:
http://www.jonjong.com/1.html
I specify how to go about removing collection accounts. You don't have to pay anyone to do this. You can do it on your own and more effectively than any self-proclaimed credit repair company! |
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msmyanka
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make a deal with them tell them you will pay them $10.00 and thats all case close, but never give them your bank info send them a money order take it or leave it ,and you better know that they will never refuse any amount of money.i had that same stuipd a$$ collection agency calling me from a cell phone bill in 1997 i told them they better get the fuc!!!!! on |
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