 Are you in debt and if so how much!? |
LOL Don't suppose many will answer this but I have about £500 on a catalogue and no other debt.. in these credit happy days I would imagine that is quite unusual or maybe not..
What ... |
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 Bank of America has hired a law office to sue me for $3,500.? |
| This is for a credit card account I stopped paying a year ago. They have called my parents' home (I don't live there) and told them what was going on. They revealed personal details about ... |
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 VERY BAD CREDIT, in debt & need to get loan to pay off? |
| I do not need anyones personal opinions on the fact that i shouldnt be in this debt. i know this. i just need to know what options i have. credit card interest rates are incredibly high and no matter ... |
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 How do you buy things on the net if you have no credit card? |
| I have money but don't own a credit card. My last one was used by someone who managed to get my details on the net. Are there any good sites that you can shop on and pay for the goods with a chq ... |
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 One or the other love vs. debt! help help help? |
| so i support my boyfriend right now.. he lives with my puppy and i in an apartment. since hes moved in i got myself in a few grand of debt [due to the fact that i only really made enough to support ... |
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 How do you start to build credit ? |
| Hi there, I just moved to this country and I have no credit history, I was told no credit history is like bad credit history, I've made the same mistakes everybody does, I've tried to start ... |
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 Has anyone got any good advice about getting out of debt??? |
| I dot want to take another loan to consolidate, but would find it easier if i just had 1 payent a wk/... |
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 Can someone who knows what they are talking about please help me? |
I'm a 23 year old married woman with no credit what so ever. My husband has bad credit. What can I do to ensure that I will have good credit withen the next year?
Additional Details
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 Is this a SCAM???? PLEASE ANSWER!? |
| I am trying to sell some furniture at a online website, I've had my listing going for about a week and all of a sudden got two emails (both sounding quite similar) about my items. This is the ... |
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 Go to atm make withdrawal gives back more money than you have in acct. I report it who is lliable for extra? |
| I reported to chase bank and it seems like know big deal. I'm I liable to give back the money but they gave me know advice.... |
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 I have 16k in credit card debt....? |
| just lost my job,have no income or assets cant make my pymts any longer,what should i do?should i declare bankruptcy or just let the creditors chase me until they give up?... |
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 Can a cell phone company take u to court? |
| my mothers bill is like $1,200.00 and they said that if she doesn't pay it then they will take her to court. i thought it just goes on your credit.... |
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 I'm being sued by my credit card company what do I do? |
| I'm 23 now but I have a $4,000 debt from when I was 18.I racked up charges on a Visa card and had lost my job so I couldn't pay.They kept rasing how much I owed so I just never paid my debt.... |
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 Can i get a re-loadable visa card im 13? |
| im a 13 year old and my grandpa sed hed get me a visa card and we cant figure out how any ... |
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 Whats the quickest way to earn some money? |
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Dan P | What can a bill collector do to you i have been threaten with jail time? |
Hello,
I had a cc debt i stopped paying on 10 years ago for 5k, financial difficulties. They called for 3 month after my last payment, but every so once in awhile. i moved to a diffrent state. Now this last month i am getting calls on this demanding 7k for this card and now. I hung up the phone and that was the last time i talked to him in person. He calls from hear on out 3 times a day leaving messages a jail time, fraud ect. He even called my neighbors, relitives and even my grandma, leaving messages ect saying he has a pending law suit on me, or he tells them that i have a case filled agaist me. He left a message just last week telling me if i dont call him he is going to contact the IRS for fraud. I have all of the messages and my relitives to and i talked to a friend and he advised me to pull my credit, so i did and here is a 7k thing in collections for NC recoveries. I bought a house about 2.5 years ago and that was not on there nor the orginal. My fico droped 90pts. |
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sarah a
 |
There is alot of inconsistent answers in here.
1) you cannot go to jail, he is Tring to mess with you..
2) you need to find a lawyer "consumer rights or financial" what i am seeing that you have a good case against him. Your debt was 10 years old and it fell off like 3 years ago from what you are telling me. here is what you can sue him...
1) threating jail time and calling and treating family and friends, while you have the voice mail recorded.
2) threating to take actions that he dose not attend to take
3) the biggest one is that they reactivated your debt. It fell off with your cc card and it was not on there when you bought your house. What they did is re report it on your credit report and thats a big big fine. do you have a copy of your credit report when you got a mortage, if not contact your mortage company and they will provide it to you.
I looks like they could owe you 5k-7k, get a lawyer now! |
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mglee1966
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My friend if you can record this individual next time he calls or have everyone he has contacted sign affidavits then you seem to have a very clear case againt this individual and his company. This is a violation of the Fair Debt Collections Practice Act, please contact an attorny for further advice. |
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Dwight D J
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I'd sue for harassment...if you haven't paid in over 10 years(assuming they don't have a judgement), it's past statute of limitations and its uncollectible, doesn't matter why you didn't pay
the IRS has no jurisdiction in this matter whatsoever
regardless of judgement, tell him to stop calling and send a certified letter saying so also...if he continues to call anyone (you or related to you) file a complaint with the FTC and whoever regulates collections licensing in NC, then if he calls again, sue for harassment(regarless of judgement)
Fair Debt Collections Practices Act (FDCPA) regulates this...if he's a professional, he'll know the initials quite well |
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bianca
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if your debt is 10 years old- it is to late for them to collect ( check your state statue of limitation) and those threatening phone calls- you really need to sue this company, for every violations they make and they make a few you will win money.
go to www.creditinfo.com and learn how to deal with them |
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THREE RIVERS
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RECORD IT,No more jail,Not in this country. That collector is breaking the law. Over two times a day constitutes harassment.If you're living in north Carolina it is one of two states in the US they can't even garnishee you.
Also if it's 10 years and they didn't have a judgment , it's over the statute of limitations. You don't owe. |
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shari
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this is totally against the law in all 50 states. also, do not tell this debt collector that you will send him a payment just to get him off your back, because if you do, from what i understand your debt starts all over again!! |
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Andy S
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Completely illegal
Most states have a statue of 3yrs from the last payment for credit card debt.
If you send one penny that statue starts up again so do not even talk about sending any payment.
If he calls again tell him He is "Harassing" you. Make sure you use the word harassing.
I would advise getting a tape recorder and tell him "This call is now being taped for your protection and mine". Get that on tape and ask him about calling family members and him sending you to jail and he will probably hang up and never bother you again. |
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stopccdebt
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You may have grounds for a lawsuit for violation of the Fair Debt Collection Practices Act.
At a minimum, you should probably avoid any further communications with that collector with one exception. Send a "Cease and Desist All Contact" letter to the collector.
This appears to be an old debt. This article explains why they are calling you all of a sudden. |
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DallasGuy
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Save the recordings. Contact an attorney. Normally an attorney that specializes in bankruptcy will be able to help you. They have violated the FCRA and you are entitled to damages. Do not send them a dime. If you do, then it can appear on your credit report for another 7 years. Their is no such place as a debtor's prison, and you can't go to jail for not paying a debt. Contact the credit bureau and advise them that there has been no activity on the account (you haven't paid a dime) in 10 years. It has to come off, or you have another suit. Advise them by certified mail. No big deal. You need to get his name and address, and send him a cease and desist letter (certified) demanding that he stop contacting you by phone, mail or otherwise. Basically tell him to go "f" himself. He can't even sue you in court after 4 years (depends on where you live). This jerk needs to be put in his place. If you are in Texas, email me, and I will file the suit for you for the filing fee. |
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Studly
 |
mia2kl2002 sure does sound like a collection agent. Sure has all the lies down....
For starters, let me assure you that you are not going to jail or in trouble with the IRS. Totally empty threats.
From what you have said, how much of this can you document? You said you have "all of the messages"....in what form? Recordings? Letters from the collection agency?
From what you have just listed, if you can prove any of it you have an excellent lawsuit. It looks like at least 5-6 violations of the Fair Credit Reporting Act and the Fair Debt Collections Act. With a little more info I could probably find more.
You can sue these guys for each violation and get $1000 for each one.
So at this point, here are your options. If you simply want this to go away, you can send out some letters. They will have to completely stop communicating with you, and they will have to remove the listing from your credit report. If they don't, you can add two more violations to your list.
If you want to go after them.....contact a lawyer. Or you can do it yourself and file a small claims suit. It's very easy to do, and if you can document what you just told me you should easily get $5000+ from them.
I am not a lawyer or credit counsoler, just someone who likes to make collection agent's life miserable. If you need more help or advice, contact me.
But for now, read the links I've supplied below.
And whatever you do....quit worrying. If this debt is as old as you claim, and you haven't paid on it for several years, it's over the statute of limitations and they can't touch you. |
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Newt
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You can dispute the item on your credit. (Got mine taken off - score is 750 now) They can threaten all they want, but I am in the same situation (9 years) and they had a law suit and everything - I still haven't paid one cent. (I refuse to 'cause my ex slammed the card the day of the divorce) |
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Granny 1
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Call a lawyer and find out where you stand legally. |
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A N
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They can't threaten you with jail time.
His action is "extortion" - There is no such thing in the
us as debtor's prison.
Only the court system can threaten you with jail time.
If you commited a CRIME for this debt, i.e. some ACTUAL type of fraud, then you might be found guilty of that, but from what you're saying, that doesn't seem to be the case.
Have you received anything in the MAIL from them?
You can send a cease & decist letter to them in writing.
BTW, don't feel bad.
In 1988 (yes, 1988) i bought a membership to "jack lallane" (ballys / golds gym / la fitness type place)
Part of the contract is that, if I were to move to somewhere that there is no club within 50 miles of, I can cancel the membership.
I moved to ormond beach, FLORIDA (use zip code 32174)
the closest club is in winterpark, FL (32792) .
That club is 62 miles away.
To this DAY, they STILL call me.
My father (who has been dead for 3 years) cell phone company still calls me about him, even though I have provided them with a death certificate. |
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joanelmore
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they shoudnt be calling 10 years later but when they do call there is nothing they can do to you. even to put you on the credit bureau wouldn't be right because it goes from the time the debt became bad and that was more than 7 years ago.
when he calls your family and friends that is illegal. if he has a way to reach you then he can not by law call your friends, neighbors..etc. call the company back and let them know that they can't call others about you. tell them that you aren't going to pay them and have recorded all their threats and now it's time to make a threat of your own. contact your credit bureau and dispute dispute dispute.. i went thru this myself. i now listen to them when they call and then tell them "thanks.bye" the calls won't stop but you can get it off your credit report and make them not call your family. good luck |
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Flea©
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That is called harrassment. The next time they call, tell him that what they are doing is harrassment; if they don't stop, you will sue the company for such. They will stop very quickly afterwards. |
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doctor know
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1st of all he cant throw you in jail--Hes using a scare tatic to get you to pay---The next time he calls ask whats his number so you can call him back about this because you are not in the posistion to talk now and be ready to give an answer why in case he ask (dont volunteer an answer) at this point get an appointment with a bankruptcy lawyer and give him the details and phone # they will only charge you a small portion to put a stop to these crooks and the calls ans harassment should stop immediately if the lawyer is doing his job///the lawyer fee will be after the case is settled not before so you may want to check more than one lawyer// Good luck and you can tell these people to kiss your grits or you'll turn them into the District Attornety's office/// |
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happy go lucky tonight
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rack up the evidence against this stupid imbecile, he could be the one to end up in prison for a very long time... save all the voice mails and any thing you can get your hands on... if you can afford a lawyer go for it if not contact the district attorneys office. |
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The Advocate
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Your very first move now, contact, and continue to contact, the Federal Trade Commission, about these people, re: something called the fair credit reporting act that also deals with debt collection scruples as well as federal laws. These people are so far out of line, they could draw jail time.
Basically, when they hear FTC, is on them they will run ! if they have any sense at all.
Write them a letter and in strong words, tell them not to contact you by telephone ever again. You consider it overbearing harrassment, and it is disrupting your family life. Write that they must put all requests in writing from now on.
Then ask them to put the IRS threats in writing, say that your regional IRS representative has asked to see this. Write, ask him to view it.
If this does not help, get his address and haul him into a local small claims court by supeona or file an action against him if you are in the same town, he can't legally do what he is doing, and the Federal Trade Commission will come down on him hard!
Make them aware. |
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Tracey H
 |
OMG! FIRST OF ALL, IN SOME RESPECTS...EVERYONE IS RIGHT!
YOU CAN'T GO TO JAIL....IT IS OLD DEBT...FORGET ABOUT IT.....DO NOT SAY YOU WILL PAY A DIME....TELL THEM TO ONLY NOTIFY YOU IN WRITING; THEY CAN NOT CALL YOU AGAIN...LEGALLY! NEXT, TELL THEM YOU WILL REPORT THEM FOR HARASSMENT IF THEY CONTINUE TO CALL FAMILY AND FRIENDS.
DON'T WORRY ABOUT DEBT, IT HAS BEEN TOO LONG.
WORRY ABOUT WHAT YOU HAVE TO PAY NOW!
LASTLY, THEY GET PAID TO BE JERKS AND COLLECT MONEY BY ANOTHER COMPANY. THEY BOUGHT THE DEBT FOR A LOW PRICE AND THEIR JOB IS TO GET WHAT THEY CAN OFF OF YOU. DON'T TALK TO THEM! |
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meandmyskate
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they are just trying to scare you the they talk like they are all big and bad but never follow through with it so don't worry the worst they can do is call and harass you |
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jodi_lynn_124
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MIA u r so full of it. You cannot go to jail I bet your they bought your account for about 10 cents on the dollar and he will get a cut of it if you pay him.
There is nothing he can do so I would do what other people said take him to court as a person and his company. Make him pay for harrassing you.
:) |
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Gerard K
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Anyone can sue you if you owe them money, but that is just to get the money.
You go to jail for committing crimes and being broke is not one. There are no more debtors prisons in the USA. |
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santilawn
 |
First the only thing a debt collector can do is call you. If they are unable to collect on the debt then they will turn it over to a lawyer and then they will sue you for outstanding debt. If they win and they will then they will garnish your wages. They can garner almost your entire paycheck. (sad but true) until the debt is paid off. There is not a judge on the bench that will put you in jail if you can make payment arrangements. Jail is for drug addicts and other felones.. Next time they call try to work out a solution. If they threaten you with jail ask them if they're a judge? Tell them to **** off until they can talk in a professsional manner. Good luck |
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armiki66
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i think after 7 years they can not do a thing.....that is what I was told by a very reliable source |
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charlesf
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They can concievable garnish your wages and even take money from your bank account if you go to court over it but you wont do jail time. that only happens if you write hot checks and stuff--you cannot be incarcerated for debt except if it is tax debt or child support. |
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mia2kl2002
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The judge will determine your punishment when you get to court. If you don't show up in court, then you could go to jail.
The bill collector is probably assuming.... based on all your earlier behavior.... that you won't show up in court. Why don't you just pay the bill? Even if you tried paying a small amount each month, at least that's something. WHEN you get to court-- because they can and they WILL take you to court-- if you have made SOME payment each month, the judge will go much easier on you. Pay the bill, you don't want to push these guys. |
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