 What's the difference of going to court and not going to court for credit card debt.? |
| I have a summons to court for next week for capital one credit card debt that's indeed mine and if I go or don't go the judgment will be filed against me because it is indeed my debt and I ... |
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 Is it safe to add someone as an authorized user on a credit card? (piggybacking)? |
| My father did this for me years ago (still have the cards). I'd like him to add me to more of his accounts to raise my fico score. I don't want him to think I'm going to rip him off, I ... |
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 How can you raise your credit score? |
| WHAT CAN YOU DO TO RAISE YOUR CREDIT SCORE, AND WHAT SHOULD YOU BE LOOKING OUT FOR... |
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 I NEED an auto loan...? |
For $12,000.
BUT:
-I am 18 with 6 months of credit history
-Have a FICO score of 708
-Have a STEADY income of $1100
-Plan to repay within 36 months
PLUS: My ... |
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 How do you get out of a credit card debt if the sum of your minimum payments exceeds your actual balanace? |
| I owe $5,000 on 1 credit card and probably paid $7,000 in interest and fees over the years but still carry nearly the same balance at a high interest rate - makes it hard to pay off. Ideas? Tricks? T... |
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 Buying new car but first.... should we pay off car loan or credit card? |
| We are going to buy a new car in the next couple weeks (a TrailBlazer SS). My car is currently paid off. My husbands car only has 3 payments left on it. I can pay it off now or apply that money ... |
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 Ok I have apprx. 35k in dept. I'm lookin to file bankruptcy but i'm not sure what chapter I need to file under |
So i guess my question is What chapter do I need to file under?
Additional Details
when going through a debt consolodation will my truck be included in that? It makes up about 50% of my ... |
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 Missed my car paymet, is it a big deal? |
| I had a brain malfunction in March and forgot to make my car payment. I got a call from the lein holder and they told me I was 22 days late. I paid the payment and the late fees immediately. Is this ... |
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| What are the best ways of obtaining credit ? |
| I have no credit card, don't make much $ but am very good @ saving up $. What should I do ? Should I save a few hundred dollars & then ask the bank to lend me the $ & then pay them back ... |
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 If I don't pay my bill will it still come off of my credit report after 7 years (Next year)? |
I have a 6 year old bill that right now is $1700. I don't see myself paying it off in the next year. So if I don't pay it will it still come off my credit report next year?
Additional ... |
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 If you got caught with 5000 pounds in your account? |
| which genuinely wasnt yours by the housing benefits people what would happen and how could you prove it wasnt yours.... |
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 Where can i file a complaint against a credit card company for over charging me? |
| I paid my credit card bill online, and through a mistake it was returned overdrafted. I immediately re-paid it for the same amount. The credit card company then re-sent the first payment that was ... |
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| How can I get out of a bad car loan? |
| 18 months ago my girlfriend purchased a car for her brother (in her name) against my better judgement. She took out a $29,000 loan at 15% interest, which he was to pay. 18 months later, the brother ... |
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| Can collection agencies from the United states garnish wages from another country? |
| If you owe money in the United States and then move out of the country without paying the bill and it ends up in a collection agency, can that agency garnish your wages from the country you live in ... |
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 Not to be morbid but if your co-signer passes away. . . .? |
if the co-signer for someone's auto loan passes away before the term is up...what happens then? Who is ultimately responsible and do you still get to keep the car?
Additional Details<... |
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 Depositing a check? |
I just got my first paycheck and I have no idea how to cash it or deposit it... whatever it's called.
I opened a checking account a couple weeks ago, I want to go to the bank monday morning,... |
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 Im in debt like 12 thousand dollars and i need to get a loan and pay everything off? |
| only problem is my credit score and credit history are very bad i think my score is in the mid 500s any suggestions?? where i can ... |
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bkstar | Using someone's credit card after they pass away? |
My mom is a signer on my step dad's credit card. My step dad passed away and my mom is still using his card. She plans on using it and not paying, counting on the fact that it doesn't matter if his credit gets ruined. So, ..... being that we all know this is legally and morally unethical, ....... my questions is: "Any experience with what ramifications this could cause for my mom?". Hey, I know this is wrong, I do not need any advice on how to handle. I just need to know if anyone has had any REAL experience with what can happen here. What would happen if my mom just ignored all collection efforts and never informed the credit card companies that he died? |
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SPIFIMAN1
 |
As you know it's called bank fraud. Now for the real question, you say your mother is a signer on your late step-dads card, Is she a co-signer or a authorized user?
The difference is a co-signer is responsible for repaying the debt and a authorized user is not.
Even if she is a authorized user, your step-dads estate will be liable for the charges. Which means they could come after any property that is in your step-dads name.
Either way, when the credit card company finds out about your step-dad passing away, and they will believe me, they are going to come after your mom for fraud. |
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Spencer
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It's called fraud, which means she could pay fines & go to jail IF the company finds out. My sister & mother had that same issue. |
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thesunshineking
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as a co-signer your mom is still responsible for your father's debts. Depending on where you live, your mom maybe responsible from a community property standpoint, if your state is community property state. but more than likely your mom's credit will be dinged and if the credit card companies knows that your father died and your mom did not inform them, then she would be liable for fraud..WATCH OUT!!! talk to an attorney about this mess |
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Bubbles
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Since she was married to your step dad at the time of his death, she incurs all of his debts. So, if she's still ringing up a tab on his credit card, her credit will be tarnished if she doesn't pay up. They can and will take her to court to get their money! |
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cuddles
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she could be charged,its a criminal offence |
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Mr. Premier
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if your mom was married to him, she will have to assume all of the debt. If she wasn't married, then they will find video tapes of her using his cards, and send her to jail for stealing his identity. |
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horgurce
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Your mother could be charged with Bank Fraud, and under the new federal law for identity theft. When the bank or credit card company attempts to collect and finds out your father is deceased they will come after who ever else is on the card. Also they could name you as an acomplise for not reporting a felony. |
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kendell c
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That would be what we call a Felony known as Fraud. Unless she was issued a card or qualifies for a card on this account. |
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George P
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Is the house, car, and others stuff in his name? They could collect that way, granted, it would take the credit card companies taking your step dad to court and since he isn't alive, they would look at the dates that he "used" the card. They might take his house, or his car to pay off his debt. Either that, or she can go to jail for fraud. I would tell her to stop, cut the card up, and then report to them that he is dead. |
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bassdog65
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have your dad or some other male call in and pretend to be your grandfather and tell them you want to take your mom off so he is solely responsible for the debt. it might even be a good idea to have the male say that he is calling to remove her because he plans on dieing before the card is paid off, that way at least they will have a valid reason to be suspicious of him. When you hang up, boom, your mom is in the clear. Thank you. |
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