 Does Anyone know about pass due bills, what I mean is I heard after 7 years they are cleared, is it true? |
| I'am asking for a friend, she's a big fan of Susie Ormen I think that's her name she's a Financal adviser, well I just want to know is it true.... |
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 Is this a violation of the Fair Debt Collection Practices Act? |
| I made arrangements with a debt collector to pay off a balance in 3 monthly installments. The arrangement was sent to me in writing by fax. All payments were to be taken out of my checking account ... |
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 How do i get a credit card? |
| how do i get a credit card like mastercard visa and ... |
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 Crdit report? |
| Where can I get a copy of my credit report on line that is really FREE?????... |
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 Visa gift card??? |
| i bought one, used it, and dont know how to discard it? there is no more money on it jus want 2 kno how to get rid of it.... |
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 Can anyone help me or tell me where i can get a bad credit loan with out first paying money up front? |
| I borrowed money to get a loan for a friend who needed medical care,i became ill myself got behind on my payments,not hard to catch up.... |
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 Is this a high interest rate on credit? |
16.24% variable APR, on an Amazon card.
Is this really high?
We have no credit cards but we are shopping around right now.
Thanks
Additional Details
Can you suggest a ... |
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 Bad checks? |
| my mom has some bad checks out how do i pick them ... |
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 Getting out of debt? |
| I have a serious ongoing problem. I am a single mom that owes probably $4000 in unpaid bills. now one of my credit card companies turned me over for collection, and they want either a reduced ... |
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 My credit is good but im late for my payment every month? |
| i have a loan with citi financial and im late every month im really busy .. and i always end up paying late,.. but my credit has never been affected someone said its cuz i pay before 30 days?... |
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| Should I apply for a fixed rate loan to pay off credit cards? |
| I have $25,000 in total credit card debt (3 cards). Interest rates are 4.99, 5.99 and 11.74. The card with the highest balance is also the highest interest rate. According to a debt calculator I used,... |
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 Credit card transaction question? |
I purchased a doll for my daughter on October 23rd. I wanted to use my debit card to pay for it but the store only took credit cards, so they ran it through as a credit card.
I never ... |
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| I understand interest rates, but good grief, that is just outrageous. The mortgage on my house is only 5.75%. This can't be legal.... |
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| Ok I have a friend that I let her borrow my credit card because she had an emergency I have a $8,000 credit limit she use it all and now she doesnt want to pay me back that money! She runs away from ... |
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 Credit Question? |
| I just got my credit score. Its only 689. I have two credit card which I owe about 5000. between the two. I plan on paying them both off in the next 4-5 months. How much will this raise my credit. I ... |
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| I have a garnishment I need to pay off, and a personal loan would be far better on payments than the garnishment I have.... |
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| I am going to start an online business that requires me to bascially pay someone to maintain and run a website. The site will be ad supported, but I need a small business loan to get it up and ... |
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Peter L | What can a collection agency do if i ignore their calls? |
I am wondering what they can possibly do to me? |
 |
 
jo.rogers72
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All collectors are governed by the FDCPA (Fair Debt Collections Protection Act) and have very definite limits to what they can do to collect. If you do not wish to be contacted by phone, tell them so. Follow that up with a letter, certified mail, stating the same. If they continue to harass you by phone, they can be fined. Incidentally, the collector is the one to pay the fine NOT the company.
If they try to contact you at work, tell them not to call you at work that it is detrimental to your job. If they persist, they can be fined.
They cannot leave you excessive messages (more than one per day). And they cannot contact you more than once a week if they speak with you. That is harassment under the law.
They cannot threaten action that they are not willing and able to take.
They can report your bad credit to the three credit reporting bureaus making it difficult for you to obtain credit in the future.
They can take legal action (sue you) to get a judgment and place a lien against your home or other personal property.
If it is secured credit, they can repossess the collateral.
The biggest thing bill collectors don't want you to know is that they work on commission and/or bonus programs. Their paycheck is based on your payments. |
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bryan l
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Jo rogor has the best answer follow his advise, pick up the call and ask for the case # address ect send them a letter asking them to provided a signed validations on this debt then you know where you stand. Then comeback on yahoo answers and give a specifics on what they send you. At the same time you send the debt validation letter, tell them to stop all contact with you unless in writ ting |
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mamanana9
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just make payment arrangements even if its only 25 bucks a month they only want there money. |
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Ask M
 |
www.creditinfocenter.com
buddhibbs.com |
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src50
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If you have any communication with a collection agency, insist that it be in writing. Do not accept phone calls. |
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roginad
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Simple, report you to credit agencies. They will not kill or sue you. However, I am not sure that all your creditors are adhere the same standards. |
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dizzy
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They can take you to court or they will report you the credit company and you will not get any credit for years. They will hassle you and hound you for years, They will send people to your house to try and collect, They could talk to your employer and get their money through them, they would take it out of your wages. You could loose your job. I think it would be better if you phoned them and made arrangements to pay a little at a time. |
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Hestia
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They will start by finding your family and breaking a limb every time you ignore a call, when you run out of family they will find you. Luckly I have a very extended family. |
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27ysq
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they can report you to credit agencies, if they haven't already done that. pay up now, it's your loss if you do not! |
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