Send it to them again. This time, certified mail. Keep a copy of the letter and the certified mail receipt. Then you will have proof that they got it. You could also send it via Fex Ex. But that is more expensive then certified mail.Did you send it certified, return receipt? And did [...] [...more]
You need an attorney to help you with this. No one is going to lend you any money right now, because the odds are you are going into default. Don’t try and handle legal issues on your own if you don’t know what you are doing. You need someone who knows how to mange this mess [...] [...more]
Check into a NFCC member credit counseling service: http://www.nfcc.org/. These are legit, non-profit companies that offer debt management programs for a nominal fee. They negotiate lower interest and payments so that you can pay off your debt. When you complete the program,you will have decent credti. Looking for more information on negotiate [...] [...more]
I went through Covenant Debt Solutions program and really have no complaints. My agents name was Eddie and he was very helpful throughout the process. I know there are a lot of bad reviews out there for debt companies but I was very happy with Covenant. Also it’s nice knowing that it’s [...] [...more]
Don’t pay it off. It is illegal for them to re-age debt. Send a certified letter with return receipt to the collection agency requesting a validation of the debt. Request a full payment history of the account, contract you signed making you responsible and contract giving them the right to collect. Do not [...] [...more]
Yes, they keep checking to see if you are opening up accts. they will continue to do this until you get a lawyer involved. They are the pond scum of the universe. They would take candy from your child and try to sell it.Make sure it is a soft inquiry and not a hard inquiry. [...] [...more]
File your answer right now. If you don’t file an answer they will get a default judgment and be able to go after your wages and bank account. However, they can’t take your whole check and if you make as little as you say, the garnishment won’t give them anything. Get legal advice on [...] [...more]
Your health insurance company will drop your coverage for nonpayment and send the outstanding bills to a collection agency. Guessing about liability of unpaid medical bills is a costly mistake because it can eventually stop you from owning your own home or establishing good credit. In the United States, you’re an adult at age 18 [...] [...more]
Sorry, but he made the two biggest mistakes a person can possibly make when dealing with debt collectors: - Agreeing to settlement terms over the phone that are not backed up in writing - Giving debt collectors direct access to your checking account. Settling old charged off credit card debt is not going to fix/repair his credit. [...] [...more]
There is no difference whether you killed yourself or you died through normal death. Your estate, (all your assets), will be subjected to claims from your creditors, so if your total assets is less than your total debt, then your heirs will receive nothing. And those creditors such as your student loan that is not [...] [...more]
