 Con't- My bf may be using me................please read? |
| Boy do I have a way of picking them. My bf wants me to take out a loan of about 10,000 so he can open up a money market account. Now I dont think he think I am that stupid. I have good credit for a ... |
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 Debt collectors are calling my house for someone I don't know? |
This person either used to have the same number as me or is giving out my number as her own. We get calls or messages for her every day and this morning they woke me up.
We tell them they have ... |
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 Should i take a year off from school to establish good credit so i can get a loan without a cosigner? |
| My parents refuse to cosign for a student loan and its impossible to get a loan without one and i have no credit. Will a year of good credit help me get a loan on my own ?... |
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| I want to change bank a/c's and i dont know which is best. does anyone reccomend a desent bank a/c. i want it to make payments in shops and online and to pay my bills!!... |
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| i want to know if my wages will be garnished for the 12 grand that i still owe on the car, or if it will just show up as a repossession on my credit report. if they do come after me for the 12 grand ... |
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 Which should I pay off? my car loan or credit card debt? |
| I recently got my tax refund in the amount of $3,000. we have a car loan with about $5,400 remaining and $5,400 in credit card debt. we want to pay everything off so that we can purchase a house next ... |
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Additional Details
the accounts are closed. we don't use any credit cards any more at all. most of the cards are now 3-4 months past due because we just couldn't pay them, ... |
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 Denied...for store credit card...any other way to get credit? |
| I got denied for a Nebraska Furniture Mart card due to my lack of credit. I really do not want to get a credit card, there has to be a way to obtain more credit w/out doing so?? What can I do to ... |
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 Does a company need my permission to run a credit check on me? |
A company called wagerworks ran a credit check on me. They appear to be linked to online casino's. I have played online casino's but have never requested credit.
Do they have the ... |
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 How do i get credit? |
| im 24 yrs old and had nothing on credit but still cant get a credit card they all say no when i havent had credit before so iv got no bad credit. iv got a currant account and thats all ... |
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 I've been threatened, insulted, and need to resolve this... But where do I start? |
| Alright, for about three months now, myself and my husband have been in slight debt. We can't buy food every two weeks with my pay check and have to go thin sometimes. He just started a new job ... |
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kevin s | Question about debt collector in concern with my wife? |
I recived a call from a bill collector "very nasty" claiming he works at a law office and here to collect a debt for a Discover card. I told him i dont know anything about this, he replied well you should sir. then he said you need to pay me 3k now or else we will sue you and put a lein on your house/garnish your and her wage. I told him i need more details i dont understand he told me it was 4 years ago. I then told him where to go on how he was behaving and hung up the phone. He then back and i let the answering machine get it and he left a message saying i am right now filing a lawsuit and you will get served with the papers--see you in court and good luck. We got a credit report and it dose show 1700 has been charged off by discover in december and thats all it says . We only been married for 2 years and owned the house for 1 year. i dont want to deal with this person. anyone has delt with happy people like this |
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Waine
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hi, I don't promise anything but if you are willing to read
people in debt often seem to find some help here :
http://credit-cards.ebookorama.com
and here http://finance.ebookorama.com
also plenty more to read here
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
good luck! |
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hollywood71@verizon.net
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under the fair credit act, they can not threaten you or harrase you in any threatening manner. you can report them to the consumer agency of the state. any debt you or your wife had before you were married or any debt in each others name only is the spouses liability. if it was really a law firm, which i doubt it was as many use that illegal tactic to get debt collections. any debt that is charged off is just that. any action that claim in collection letters, might state all action will be taken afforded by law. the charge off is from a action filed to the court. in any state, no law firm can call to collect or threat of legal action as they must submit a letter by law along with their bar number. by not doing that, they can be fined, sued or lose their bar license. save the tapes and contact the state aba to file a complaint from the state he is to be from. call or wait till he calls again and demand his bar number under federal law. if he can't produce one or refuses, you got a scam on your hands. |
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sarah a
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ok, i really would not worry about this. call you buddy back and have a tape recorder---he sound like a dummy and get him tricked into saying stupid things again. then ask for the debt in underwitten statement of this debt. I would also send this in a certified letter too. if 35 days pass its voided by this agency. now if it comes back stating you owe the debt dont worry if have some good steps for you to follow.
1. check your state SOL google it and you will find it, if was charged off 4 years ago, and you SOL 4 years send him a letter stating your SOL is up and to ceist and desist contact with you.
2 if lets say you SOL is out of 6 years, it is unlikely for them to sue you that amount is really not worth while they bought that debt for lik 300 bucks, and risking lots of fees risk for them. IF THE DO SUE YOU THEY CANNOT TOUCH YOUR WAGES OR EVEN PUT A LEAN ON YOUR HOUSE, I WAS BEFORE YOU WERE MARRIED. sorry for the shout, i would also bring up the threats. I you do get brought to court with i doubt you have some leverage, with a recorded message the dummy shooting his mouth off. i would simple threaten with a counter suit.
dont worry about this he credit was the ultimate punishment. |
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Catspaw
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Tell them you want something in writing regarding the debt. They have to be able to substantiate that the debt exists. Unfortunately, bill collection services hired some pretty strange people, and they make some claims that are obviously false. Whenever you think they're doing that, tell them you will only respond in writing to a written demand.
FYI, if a debt hasn't been paid on in 5 years, the statute of limitations has run on collection. They can only revive it by tricking you into making a payment. |
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Lea
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Hopefully, you saved the voicemail message from him.. If you did, take the voicemail message of that mean collector and let your attorney hear it... The collector violated the FDCPA law.... Its against the law to put any type of a message about a debt on an answering machine or for them to tell anyone else about it.. You have a real lawsuit here and your attorney can get the debt erased because of this.. Hopefully, you save the message... I would wish you good luck, but you don't need luck.. You have the law on your side with this one. |
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C K Platypus
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DONT GIVE THEM ANY MONEY. By charged off this means that Discover actually sold the debt to a collection agency. They can't put a lien on your house or garnish your wage for a debt she incurred before you were married.
Tell them not to call you and send everything in writing. Tell them you want a copy of the agreement. If they can't provide you with anything, they can't prove it's her debt. They are using high pressure threatening tactics to try and get you to pay up.
Same thing happened with my sister except it wasn't her debt. They told her that they were going to throw her in jail too. They can't do that either. Don't take anything they say as truth. COLLECTION AGENCIES LIE! |
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ruthie
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Your wife should be aware of any debt she has in-cured. Interest does grow. If she got this debt before she married you it is only her debt and they can only sue her. Is her name on the house deed? You should have gotten something n the mail before this call. Has your wife gotten something and not told you? But not to worry even if they do put a lien on the house it does not have to be paid paid until the house is sold, but interest does continue to grow, but you are building equity so it should balance out. |
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starbright2
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Please, stay off the phone. You need to send this company a debt validation letter IMMEDIATELY! By law if you ask for a validation of debt, they must provide this information to you before suing. To find out how to handle this go to the website below. This site has a wealth of valuable info. I wish I had this website before I allowed a creditor to place a judgment against me. Now I know how to handle nasty creditors with the law on my side. |
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a parent hows been there !!
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hi there sorry you have this problem i'd go straight to the company and find out whats going on explain that you didnt know about this account and start from there as for this rude little man if he starts his crap again tell him that you are going to report him to his company for the way he is conducting and believe me NO company likes bad press !!good luck but that where i'd be heading and im sure that this company will help you get this sorted out |
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fire4511
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When was the last payment made on the account? There is a statute of limitations that may apply, usually it is two years, but this may differ in your state. If it is past the statutory period, all they can do it threaten, they can not get a court judgment.
Even if they do get a judgment, they can not take your home, nor can they take your wages, only your wife's.
It sounds to me that they are trying to bully you into making a payment, so that they can restart the clock on the statute of limitations. Next time they call, tell them you want any contact to be in writing. Do not make a payment. |
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poojally
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I agree get everything in writing and certified if possible. Make sure you tell them and JUST TELL them verbally that you are will to work with them on it but you need more info on it. Reassure them that you are willing to work on it. They cannot Legally harras you!
Now the nasty person, tell him that you will call local authorities and file claims of harrassment against him and his company. Ask for his name, his supervisors name, the corporation name, the tax ID, the business address and the principals and/or owners of the corporation (or partner if it really is a law firm) And by the way if it was really a law firm they wouldn't act that way.
If they were really a law firm you would've BEEN SERVED papers already. They don't need to get nasty with you. They deal in the courts. They know better. These are scare tactics it sounds like. Obviously if you do get served check with a lawyer to get it resolved. |
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AGLaw
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This behavior may be illegal and prohibited by federal law!
You need to be aware of the Fair Debt Collection Act, which protects consumers from egregious behavior of debt collectors similar to that which you described.
Next time person X calls, tell him that you know your rights under the Fair Debt Collection Act, and that you are (1) recording the conversation and have recorded the others on tape, (2) you are going to report him personally and his company to the Federal Trade Commission, (3) if he calls again and acts in that manner, you will file a suit against him and his company for damages under the FDCA, and (4) to provide the terms of the debt in writing.
I have attached a link that answers common questions about the Act. Good luck! |
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?
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I have had to deal with debt collectors before-if they call back, you can legally tell them not to call you anymore (I would back the phone call up with a letter requesting this as well-a REGISTERED letter) and you would like them to send you letters-they can also send you a copy of the judgement against your wife-if they agree to do this, then continue to call and harass you, contact the attorney general in your state with as much of the information about the collection agency as possible. Remember to keep copies of any correspondence sent by you and the agency in case it does wind up in court. good luck! |
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sandy k
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they r just talk and i agree they r *** holes!!!!!!!!!!! |
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warriorn639mr
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Better get this dealt with... it's already affecting your credit rating, and you'll have a hard time buying another house, or a car. The guy sounded obviously rude... so you might want to call Discover or whoever took over this loan (i think they sell these to other agencies for collection) and find someone else who'll work with you. And get some financial counseling for your wife. |
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