 Am I getting a good auto loan rate? |
| I'm taking out an auto loan for $32,000. My credit union has offered me 5.5% for 72 months. Is that a good rate? I have looked at several other places and they all want a minimum of 6.9%. My ... |
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 What happens if I do not activate a new credit card? |
| I applied for a new credit card, and got approved. I changed my mind and don't want it. The card has arrived in the mail. If I fail to call the number on the card, does that mean the card will ... |
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 I've been having some trouble not going over drawn in my bank account I need some help!? |
| Ok so I have been trying REALLY hard to save some money and keep on track. But it seems that everytime it comes to pay day I'm over drawn and my check being deposited is going to cover the money ... |
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 Should I pay this? |
| I am trying to buy a house. When I looked at my credit report I found that I have a charge off for $400. The thing is it is going to be removed in 4 months. Is it better to pay it or will it ... |
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 Is 681 a good credit score? |
could i get a new car with that?
Additional Details
it's just me not combined with a partner (just have a bf not a hubby i'm barely 20)... |
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 How do you get credit? |
| I.E. to buy a car, make a loan, etc.... |
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 Building credit with Credit Cards? |
| Do you need to pay late or skip a payment to build credit? I have been told that if you always pay your monthly bill on time and never let any interest get attached to your balance, you don't ... |
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 Stop paying credit card bills? |
Hi,
I recently visited a BK lawyer and he said just don't pay them any more.
I have several small balances.
Capital One 600
Providian 1000
Orchard Bank 300
Bank of A... |
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 Which is worse - real bad credit or filing bankruptcy? |
Additional Details
and why? Does anyone know for a fact?... |
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 Why do people think having (good) credit is a "good" thing? |
Having credit means you get a purchase or loan and defer the payment. In other words, you *owe* money or whatever it is you use to pay, trade, etc.
This usually comes with some sort of ... |
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 Can you get credit cards with a credit score of 650? |
| I just checked my credit score and it has gone up from 570 to 650 in two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit score?... |
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 So, i'm having an argument with my friend? |
| about identity theft. i just don't understand how people get away with it. say someone opened a credit account using someone else's info and made a bunch of purchases online with it...... |
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 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
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Mark C | What is the best way to stop credit card collections from calling?? |
Although I do have some late fees, my credit card company continues to call more than 5 or 6 times in a day. This is ridiculous. Is there any way that I can have them stop this practice that will stand up legally? |
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powellmap
 |
The Fair Debt Collection Practices Act, requires that debt collectors and attorneys stop phoning you at home and at work once you ask them to stop. The law specifies that your request must be in writing, therefore, you should tell them to stop calling you at home and at work the next time they call, but then follow it up with a certified letter, return receipt requested.
Google Fair Debt Collection Practices Act and you can get more details. |
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azjohn2001
 |
Send a certified letter to your credit card company telling them to stop contacting you by phone. Let them know you will report them to their Attorney General's office and pursue legal action if they continue.
If you don't make payments for 6 months or so, your credit card company will sell your debt to a collection agency. They will either contact you by mail or phone trying to collect the debt. Again, send a letter to the collection agency telling them to stop contact with you per the Fair Debt Collection Practices Act. Unless the collection agency decides to sue (extremely unlikely), you will never hear from them again. |
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Studly
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Holy Moly! Look at all the collection agents answering this!
For starters, you say the "credit card company" is calling you. Is it really them or a collection agency?
Not many credit card companies call to harass people, that's what collection agents are for. For you need to find out who is calling.
There is a federal law called the Fair Debt Collections Act. This law regulates collection agents, attorneys, and 3rd party collectors. However, it does not cover the original creditor, so they can do pretty much whatever they want (within the laws).
Therefore if this is the credit card company doing it, not much you can do. Log the calls, and if they are actually calling that often you do have a case for harassment under many state telephone laws.
If this is a collection agency, you got it made! Send them a certified letter saying to 'cease and desist' all further telephone calls. Any further communications must by by mail. You can even prohibit mail too...but by doing that you are basically telling them to "put up or shut up"...they may begin legal actions on you. But at least it stops their harrassment. |
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gabnella
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My only solution, which is too late for you now, is NOT to have any credit cards..... buy only what you can afford.!! |
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luciousgreeneyedlady
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You need to talk to a lawyer. More than one call a day is harrassment and they can get in trouble for that. |
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fleshy queen
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they can not legally stop calling you. You have to speak to them and make some arangement to help you pay your bills. A lot of credit agencies will work with you. q. this is ridiculous. what is rediculous is that you should pay your bills. companies what there money too. |
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sexytrojan
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The best way is to pay your bill. |
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Jason
 |
Well, you could pay what you owe them. That would help. |
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Sherb
|
As far as I know, legally you have no way to stop them from calling. They have the right to try to collect the debt from you, and if you're late, they are permitted to call to prompt you to pay that debt. The only way to stop them from calling is to pay the minimum you owe, or, if you can't do that, to actually talk to them, explain the situation, and give them some amount of money toward the debt with the promise (that you will have to follow through on or the calling will get worse!) that you will continue to pay on the debt on a regular basis, even if you can't pay the minimum. They also have the right to freeze your credit card for non-payment until you are caught up on your payments. Not paying credit card companies will really screw up your credit rating as they report every single time you're late with a payment. I know once they stop calling, it gets worse because they escalate their collection attempts.
At least, that's my understanding! |
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lloydi_yeh
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I would say, setup a minimum payment with your bank, this will not take a lot from your bank account, it will be 3 % of your outstanding amount on your credit card, and will stop you being charged late payment fee and fine or credit card collection calls. and then when you save money you can pay off your credit card slowly n steadily as and when you like |
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cali_hottie916
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yea...tell them to stop calling and they will get there money when you can give it...if you tell them to stop...they will |
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snatza
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PAY your credit card bill.. There ya go |
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