 Credit ratings? |
| I have excellent payment histories on my rent, my car (a lease), and am generally good with my finances. I don't carry any debt outside of my reasonable student loan. I only have one credit card ... |
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 I have a credit score of 656 (experian) can I buy a home with this? |
LOCATION: HOUSTON, TX
NEW HOME NO MORE THAN 100K
I HAD SOME LATE PAYMENTS AND CHARGED OFFS THAT I AM TAKING CARE OF.... |
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 Will it affect my credit score if the mortgage is paid late? |
| SOMEONE TOLD ME IT DOESNT AFFECT IT UNLESS IT IS 31 DAYS PAST. SOMEONE TOLD ME IT AFFECTS EVEN IF ITS 1 DAY PAST.... |
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 This might seem like a daft question,but i get really annoyed because as soon as im late paying my credit? |
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 How much will banks typically loan out to someone with no credit? |
| I just turned 18 and I want to build my credit. I have decided that taking out a loan would be the best way to do this. If you have other suggestions, go ahead and try to change my mind! =)... |
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 I need help finding a loan to combine all my payday loans into 1 payment. I have bad credit please help me? |
| Recently I got involved in payday loans, now I just need help to get out of this trap. Do you know anyone who gives loans to people with bad credit. I have made an effort to make good on a lot of ... |
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 What is the difference between Bankruptcy and...? |
| With a (very) low credit score, no financial institution is willing to help me with a consolidation loan based on signature (I have no assets to use as collateral). After having lost my job and ... |
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 I have applied for 2 different credit cards and they both turned me down. do you know why this is? |
Thank you for your recent application for Blue from American Express. After reviewing your request, regrettably, we are unable to open an account for you at this time for the following reason(s):
... |
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 What happens when you get a positive balance in a credit card? |
| So i bought this item online. And that was sometime ago. now the balance for the credit card that i used is 0. What happens if i get a refound sent to that credit card?? ? ? ;-)... |
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 I got a call from a collection agency, should I call them back? |
| They left a robo message with their phone number. I'm pretty sure it's about an old student loan, what should I do??... |
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 The collection agency called my son and when he asked for an address to write them, they refused.? |
| My son wanted to mailed the collection agency a settlement offer and the company said they can't give out the address without a verbal agreement to pay the debt. They wanted an electronic ... |
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 Credit repair? United Credit Association? |
| Has anyone heard of United Credit Association? They are a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me ... |
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 Can I use SBI DEBIT CARD for online payment in india? |
| means can I buy anything like watch, t-shirt, jeans etc. online using sbi debit ... |
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 My boss ran my credit without my permission? |
| I just found out that my current boss ran my credit report without my permission after I specifically told him not to. They lied to me to get my SSN and then ran it. My credit score is not good to ... |
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 Free Credit Report Not Free-Stay away and check credit cards!!!? |
| Just found out my Discover card has been charged 25 a month for FOUR years because I used Free Credit Report.com. Seems I was automatically enrolled through CIC. I knew about a 10 dollar a month ... |
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 Credit card debt question options? |
| I have maxed one of my credit cards ($2000). I work full time so I can pay it back over time, but the thought of having that debt on my credit card scares me a little. The minimum payments are $25 ... |
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 Bad credit help!! experiences expertise please. process of a loan and is comfused!?!? |
| Hello fellow members, I am actually looking through this one company www.eastpointlending.com trying to get a personal loan and I have been working with one of the consultant. I have gone over the ... |
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| Credit Cards? |
| I owe two credit cards and they are about 1400 each there is one that charges more interest than the other one. So my question should I pay them equally or pay more money to the one that has the ... |
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 Will this fix my credit? |
| I am 19 years old and just recently checked my credit score. I have nothing on it except one colection agency balance. It is a balance I owe from 6/1/2004 for $125. My credit score is very low 568. W... |
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Great Sells | Written asked not to contact me at work and still do? |
I have missed 1 1/2 payments on my car lease agreement. I intend on doing a voluntary repo at the end of the month. However, I have given a written request for them not to contact me at work and they continue to call my employer and even told my boss that I was having problems with my lease. Is this not illegal for them to continue contacting me at work when I asked them not to? They haven't called my cell one time which I requested. What options do I have? |
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FaerieWhings
 |
Send them another one this time with return receipt requested for proof of delivery. If they contact you again call your local attorney general and file a complaint and begin proceedings to sue them. You will not only NOT have to pay the balance on your car you can also sue them for the amount of money they are trying to collect from you on top of them paying fees and fines to the government. Good luck. This is harassment and illegal.
****************
I read over the part where they discussed this with your boss. Can you get a written statement of that fromyour boss? That is absolutely 100% illegal. |
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SoCalMom
 |
This is ABSOLUTELY illegal and they are putting your employment at risk.
Congress enacted federal legislation that regulates debt collectors and collection attorneys and protects the rights of debtors. This law, 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.
If the debt collector refuses to comply with your do not call request you will have to quote the actual law:
You: The Fair Debt Collection Practices Act requires that you stop phoning me at home and at work once I request that you do so. I have already put my no contact request in writing. If you continue to phone me, then I will file a complaint with the FTC and the attorney general."
The Fair Debt Collection Practices Act does not apply to original creditors, like a credit card company; it only applies to debt collection agencies and attorneys collecting debt. Therefore, do not quote the FDCPA to get original creditors to stop calling. Instead, quote state law which governs original creditors but usually has similar provisions to the federal legislation. Sample script:
You: It is my understanding that [Texas, Michigan, California] law requires that you stop phoning me at home and at work when I request that you do so, is that correct?
If a debt collector does contact you after you request that he stop, you might have the right to sue and collect damages. |
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cork
 |
CONTACT STATE ATTORNEY GENERAL'S OFFICE..... |
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milomax
|
Are you dealing with the original creditor or a collection agency? I think the law may be different for the original creditor, but I don't think they should be able to tell your boss about your situation.
Look over the link below and see if it helps:
http://www.scconsumer.gov/faqs/fair_debt_collection_practices_act.htm |
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angeljre
 |
I'm not sure if this is true or not but I have been told that it is illegal for anybody to contact someone at work concerning collections for unpaid bills. You might check into that and maybe you could sue them if it actually is illegal to do. |
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marc p
 |
Collection agencies are usually bound by laws that restrict what they can or can't do. These laws are rarely enforced unless the action taken is scandalous.
most governments, state or provincial, have a bureau which oversees them. you can complain to them, but don't expect much. |
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summer
|
Where I'm from, it is illegal to do such things. Especially when you have given notice not to do so. And as I understand it, they cannot discuss "your" financial matters with anyone other than you are your spouse if you have one.
I use to work in some collections agencies, and when a debtor informs a collector not to call anymore, they have no choice but to comply. However, the next action from a collector is to seek legal action.
Also in collection agencies, we were always told not to speak of such matters to anyone other than debtor themselves or their spouse.
I don't really know who you could call about the way they handle their business. Maybe you could call the BBB or an attorney.
I should mention however, that sometimes when we had exhausted all our efforts in collecting money from a debtor, If they happened to be in the military, we could contact their commanding officer to make them pay their debts |
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lunartic5
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The rules for contacting you at work vary state to state, but I think generally if they do not have another number to contact you at (home or cell) then they can call you at work. But not repeatedly.
They were definately in the wrong by telling your boss your business. Unless your boss told them he was your husband or something, or he is on the agreement, in which case they could discuss it with him (but if he isn't then he would be wrong for doing that.) Its got something to do with the Privacy Act.
The first thing to do would be to mail a certified letter to them. Keep a copy for yourself, and a copy of the signature when you get it showing that it has been received. After that, if they continue to call you at work, you would need to find out who enforces the Fair Debt Collection act in your state, and start a complaint with their department. |
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betty w
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You can sue them under the Fair Credit Act, a federal statute. A friend collected $12,000 from a company. |
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