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]
If you ever plan to put down stakes and have your own home – you should consider during your bankruptcy now. Scrape together at least 700.00 – and file. You have no income and you have no assets – BK is perfect for you! Once you are approved – the creditors will [...] [...more]
The best information for bankruptcy [...more]
Seems you’re a little confused about the meaning of "charge off" Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you’re behind on your bills, unable to keep up with [...] [...more]
What they did was illegal. They CANNOT contact your husband for debt that you had before marriage. Your husband is NOT responsible. Look at your husbands credit report online, and if the collection agency is listed on the report, you have the right to file a complaint and dispute it (and have [...] [...more]
If what you claim is true, then you need to talk to the issuer of the bill and highlight to them that is the case. As to reasonable or not will be dependable if there is a annualised penalty clause for instance 2% interest of unpaid bill etc. on the bill. Normally, I do not [...] [...more]
