 Looking for a credit card recomendation? |
| When I turned 20 I signed up for a credit card (after lots of research). I got one with a $1,000 limit, and 15% APR, which has since dropped greatly. I paid for my college textbooks with it to the ... |
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 I was approved for a loan with akwbi492c.com and i cant seem to locate them can you please help me? |
| the loan was processed through my email and the processing fee was debited from my account and i never receive the loan. the name of the website is approvalswithbadcredit@akwbi492c.... |
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 What earns a higher credit score making the minimum or full payment on credit cards? |
I would like to know which method will result in higher credit score I have heard many different opinions.
1) Make minimum payment
2) Full payment
3) Pay the minimum payment ... |
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 Can I use a debit card just as easily as a credit card to pay online for things from other countries? |
| overseas websites I am interested in always say visa credit card and dont mention debit card.I assume a debit card is virtually the same in that they know they will receive payment ?... |
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 When a parent dies in your family and they have left some bills like credit cards is the family responsible? |
| Can those bills then be put on your credit record from the deceased family member? Can the family lose what they have due to what the relative left behind? What if they don't have the money to ... |
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 I just turned 18, I want to get a credit card to start building credit in the US. What is my best choice? |
| Just wondering whats a good CC for an 18 year old. I plan to be a full time college student with part time job.... |
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 Missing Credit Card payment? |
My credit card payment is due on 24th March however I don't get paid until the 28th. I will pay it off in full when I do get paid but until then I can't pay a penny.
Will this ... |
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 Is there anyone out there who has alot of money and would be willing to loan or give $15,000.00 to help.? |
| i am a overweight woman who is desperately trying to recieve the lapband surgery that i believe will ultimately save my life. however i keep hitting a wall. insurance wont cover it and due to ... |
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 Question about credit cards.? |
kay, so, im only fifteen, and my mom doesnt
speak english or anything and i always have to
do basically everything for her that has to deal with
finances, anything important really. ... |
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 What should i do? please help? |
So, my husband has a lying problem. I catch him lies concerning money alot. I am pregnant, have a 6 year old son with him and love him . He lost his job in March.
The other day i realized there ... |
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 I want to begin building up credit. How do I do it? |
| I am 22 years old and I want to start building credit. I have applied for credit cards at department stores and through mail applications and I have been turned down. How do I start building my ... |
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 Will removing my ex-husband's credit card from my credit report make my score go down? |
| My credit report still erroneously show me as married and shows a new credit card (which I've never had access to or knowledge of) belonging to my ex-husband where he's carrying a balance ... |
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 Do u know what is the diference between VISA and MASTER CARD credit cards?? |
| I had checked the benefits of each one and they give you the same, but sometimes in some shops you can not pay with VISA or with Master card, does someone can tell me the diference?? ... |
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 My credit is fair to bad and I need to get a loan for $4000 where is the best place to go? |
I have a good job but just got behind during the winter months and my daughters first prom.
Thanks and God Bless
Mike C.... |
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knee_deep_in_debt | Why Do Debt Collectors Lie? I Got Every Penny Of My Taxes!? |
They threat all the time to do this and do that. Its a ploy to scare us into paying or just get the upper hand in the conversation. But when it comes down to it, they dont do what they threaten. FDCPA, and other current laws put into place... to protect us who are faced to deal with debt collectors, and unfare practices they have. They still continue to break the laws. So can anyone really answer this question correctly?
BTW, I got my taxes! Oh, Didnt I already Say That? A shame, when they attempted to scare me by freezing my checking account and savings account, with nothing in them. Seriously, if a person is broke, do you really expect to get any money? |
 |
 
☆skyblue
|
Typically, debt collectors who call you are told what to say and don't really know all the circumstances. A guy I worked with stop showing up for work. A debt collector kept calling work looking for him. When I explained that I have no idea where he was, the collector kept saying the same lines over and over again. Finally I asked if they were even listening to me!
Some of their threats do hold true. My friend had an outstanding balance on her credit card for a long time and the credit card company garnished her wages. Another friend was told that she was going to be put on a "black list" and wouldn't be able to open a bank account at most banks. She thought they were full of it, but it was actually true! And then there was a credit card company that called my house asking if so-and-so still lived next door to me because they were dodging phone calls and not answering letters. My neighbor has no idea how they got my phone number. If you can't pay your debt, your best bet is to just pay a little at a time just to shut them up. |
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SlimMick
 |
I guess this is a rant instead of a question.....Yes, there are a lot of vicious debt collectors out there that violate the FDCPA.....The bad thing is....many consumers do not understand that they have rights....so when I debt collector makes bogus threats...they believe them.......We live in a nation where people are too distracted with Paris Hilton and Britney to bother empowering themselves knowledge about their rights ....and they pay a price....
There are debt collectors out there who are now impersonating federal agents....who threaten imminent arrest if you don't give them your credit card number immediately... |
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bdancer222
|
Some debt collectors do lie to try and scare you. But they are dealing with people who ran up debts and fail to live up to their end of the contract and pay. These debtors tend to tell outrageous lies, too.
By the way, if they froze your bank accounts, that means they must have a judgment. They couldn't attach your taxes, but they can garnish your wages and lien any other property you may have. Even if you aren't working and don't have anything now, those judgments are usually good for 10 years and can be renewed. They can wait till you do have something worth taking. |
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Crazyjester9
 |
Simply put, they bank on the average debtors ignorance of the law and scare/bully people into paying debts. I have no respect for people like that.
That's why I'm very grateful and proud of people like Smooth, Slimick, Echo, Bryan, Studly and others who come here and educate people on their rights. I've learned alot from them and try to "pay it forward" by doing my part to spread the word.
My mother is actually a collection agent for Macy's (not a junk debt buyer) and I've seen and heard how they work. They actually their jobs in a way that benefits the customer (lower interest rates, negative marks removed from credit etc) and FOLLOW THROUGH on it, and as such the customers appreciate that and are more willing to pay. They do it the right way. |
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cap
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they will bring suit against you and if they get a judgement,they can and will garnish your wages and freeze your bank acct.they can never take your taxes,only a govt agency can do that.just be careful |
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Screamin Seamin
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Collectors will tell you anything to get the money. How do you think they get paid? |
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bryan l
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seems like there is a question like this every day. check out this post yesterday, they were badgering someone that lost her job. she was ready to pay them half of her refund past the states SOL. I would report them to the FTC, your state attorney generals office for this bad behavior.
here is that post
http://answers.yahoo.com/question/index;_ylt=AgKEbTD5XZqbXbFLB8KXGwHsy6IX;_ylv=3?qid=20080218184116AAikhE7&show=7#profile-info-uAWceBSZaa |
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Martin M
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i work in hsbc collections deparment i make those type of calls, i also say anything i got to say because i get my hourly money but get lots of bonuses if i get customers to pay there over due bill! i can tell you that they will say lots of things but most of them are not true! |
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s and d e
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why do people think it's ok to run up debt and not pay it off? if they take you to court and get a judgement---they will get your refund. just be a decent human being and pay your debts. |
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