 Credit Repair help! I have paid every bill owed on my credit report, meaning I am debt free, READ ON? |
however even though all my debts are paid
(what a great feeling)
my credit report is a mess because these lousy creditors have not updated my report. So in reveiwing my report I am so over ... |
|
 What chances do I have of getting an auto loan with a 495 credit score? |
| im looking for a used car between $6000 and $9000. Will I be approved and what will my down payment need to be?... |
|
 When you apply for a credit card online...? |
| ... after you submit the application and the screen says "your application has been approved"... would it still be possible for the card issuer to review your application again and ... |
|
 I have a collection that is wrong but do I fight it or just pay it off? |
| I recently checked my credit report and found a collection on my account for a utility bill from 2004. The amount is not very large but I know it must be wrong because I never lived in that city ... |
|
 When should I get a mortgage? |
| My lease is up on May 1st. I only have a small downpayment and my husband and I both have poor credit scores (mid 500s). Together our income is over 55000, but since we are young, we haven't had ... |
|
 I have horrible credit and can't get a credit card? |
| I would like to get a credit card for emergencies like gas, prescriptions etc. My credit is terrible from being stupid when i was younger. I can't fix my credit right now because i don't ... |
|
 Is there a way to know my VISA card number? |
| I put my Visa card in the bank's locker but i forgot the number, is there a way to remember what it is without getting the card?... |
|
 How many people are in debt out there? |
| i dont mean mortgages or car loans.. but credit cards and other bills... I am 10,000 in debt.. just wondering if im the only one.. you dont have to say how much.. i just wanted ... |
|
 Why don't I have perfect credit? |
I've never EVER been late on a payment, I've had and paid off several trade lines (and early too), so why is my credit score not an 800 or above? I just don't get it!
Additional D... |
|
 Im 14 yr old and i need a credit card? |
| i need a credit card that will work for 14 yr ... |
|
 Does running a credit check really lower your credit score????? |
| when the ask you at the store if you want to sign up and they check your credit do you loose 2 point off your score????... |
|
 How to signup free with paypal ? They're asking credit card number !? |
| Is it safe to give it to them ? I am checking out Entireweb speedyads publisher network where the payout type is through paypal only...when I go to paypal for signup - they're asking me credit ... |
|
| I received a cashier ck as escrow payment to be forwrded to a walter brooker @yahoo.com.is this a fraud? |
i received a cashiers ck via dhl from canada.i am supposed to cash and forward minus 10%.i am concerned this may be a money laundering scheme.the funds were directed to me via
walter brooker@... |
|
| I need at least $300 very quickly. I've never had a credit card. Can I do it this way?? |
| Ok, I'm 24 years old. I've never had a credit card, by choice. I've been trying to keep my debt down so that when I'm married and start a family we won't be drowning in ... |
|
 Help! SERIOUS QUESTION click NOW!? |
the day started out like this
i was bored and went to my fav game site World-Warcraft
i went to the Chat forums
i saw a thread called "FREE CREDIT CARDS!"
i went to go ... |
|
 Credit Score went down why? |
| This is so confusing. Equifax and Transunion went up but experian dropped ten points. I have no idea why. Looks like everything has been reported the same pretty much. any ideas?... |
|
 Can a bill collector call your home and give personal credit information to your babysitter? |
Additional Details
I bought a car for my daughter, she didn't make the payments and I can't, so I voluntarily returned the car. The car company who bought the car from the ... |
|
|  |
imjetguer | When a credit says they ae going to take you to court for an 8 year debt are they lying or can they do that? |
When a credit says they are going to take you to court for a 7 year debt are they lying or can they do that? I got a call from a "lawyer's office" saying that If I dont pay I will be taken to court and I want to know if they are just lying so they can get paid. Im in Texas. |
 |
 
Wife~and~Mom
 |
I'm sure this was one of their stupid scare tactics.
Texas Statutes of Limitation
The Texas Civil Practice & Remedies Code provides a 4-year limitations period for types of debt. The SoL begins after the day the cause of action accrues, (Section 16.004 (a) (3)).
They don't stand a chance in court. In fact the next time they call your home, please take control of the conversation by asking them for the following:
Name of caller
Name of company
Complete address of Company
Amount of Debt
Original Creditor
Open Date
Close Date
Once you get this information, please send them a debt Validation letter and a cease communication request. If you need help with this, please feel free to email me and I will lead you in the right direction.
I live to give Zombie Debt collectors hell!!!!!! |
|
Celeste
 |
They could be lying; typical behavior or they may in fact, have started the legal process.
Although under the FDCPA, collection agency cannot threaten you with any action they don't intend to take or are allowed to by law.
A creditor/collection agency can sue you for a debt no matter how long it's been since default. However, it's up to you to defend yourself and tell the court that the debt is over the statute of limitations and no longer collectible.
The SOL for Texas is 4 yrs. for open accounts, written contracts, oral agreements and promissary notes. |
|
Crazyjester9
 |
Statue of limitations for debts in Texas is 4 years. If you haven't paid or charged on this account in 4 years then you have what is called an affirmative defense. You can use that defense in court and their case will be thrown out.
http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml
Also if the 4 years has passed, you can send them a cease and desist letter making them stop contact with you.
I highly recommend you learn your rights under the FCRA, FDCPA and Texas Financial Code. Texas is a debtors haven and they have many laws that are on the consumers side. Both links that Chingatha mentioned have great resources. |
|
stan c
|
No lawyer will call you on the phone and tell you he'll take you to court. They send letters because it has a better effect. Do not make any payments because the SOL will start all over again |
|
Bill C
|
The Statute of Limitations on credit card debt is 4 years in Texas. If the account went into default or the last payment was made more than 4 years ago, the debt can't be legally collected - meaning, no collection agency or collection attorney should be contacting you. It is a violation of the Fair Debt Collection Practices Act to attempt to collect a debt that they have no legal right to collect. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
Write a letter to the law firm, tell them that you believe that the SOL has expired. While you're at it, request that they validate the debt. Write, "I dispute the validity of the debt. Please provide me with verification." |
|
Cliff
|
they will have a hard time with that.. the statute of limitations for Texas is 4-years. http://www.expertlaw.com/library/limitations_by_state/Texas.html |
|
lisaclara
 |
Credit companies have the funds to do whatever they want. If you have not agreed to their terms you are not just in debt - you are a lawbreaker. You need to make an agreement to pay on the debt for some amount monthly - that will most of the time get them off your back. The bottom line is that they expect their money - they loaned it to you - afterall - it wasn't a gift to you. |
|
Ryan
 |
I have heard that some collection agencies will use tricks to call, but in this case I would check if it was a legitmate lawyers office. They do have the right to take you to court if you owe money however. |
|
superunknown
|
8 years ? it's probably out of the statute of limitations. check out www.creditboards.com or www.creditinfocenter.com - there is a lot of good info there. |
|
J H
|
Do you owe them money ???
Yeah ...they can do that. plus lawyers fees in some cases, which can be a few thousands of dollars. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 5 minutes(s) ago
| | | |
8 | 15 minutes(s) ago
| | | |
10 | 24 minutes(s) ago
| | | |
9 | 49 minutes(s) ago
| | | |
10 | 55 minutes(s) ago
| | | |
10 | 3 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 7 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 4 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
