Archive for the ‘Credit’ Category

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How do get my credit card debt to zero?

Thursday, March 4th, 2010
Ramesh asked:


I had left USA around 4 years back as I could not get a job(software). When I left I had credit card debt. Now i want to be back and normalize my debt. I currently dont have a job. I checked my credit report on the internet but confused with the terms. Its certain that collection agency must be trying to locate me. I cant figure out my current debt, thats when I left and now(including interest?). I need help in how to take the first step and how its going to affect my job-hunt.

Bernard

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Posted in Credit | No Comments »

How are debt purchasers different from debt collectors?

Tuesday, March 2nd, 2010
STARS asked:


And also do they have the same rights as far as
a debt collector trying to get debt vs a debt purchaser???

Gail

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Posted in Credit | 2 Comments »

How serious will debt collectors become?

Wednesday, February 24th, 2010
Mostly Monkeys asked:


I have a couple credit cards $2000 and $600 debts, that im paying through a consolidation company.

Debt collectors are calling several times a day now.

How much more serious can this get? I don’t have to worry about someone knocking on my door do I?

Rachel

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Posted in Credit | 4 Comments »

How can I find out what state a Sprint “debt” originated from?

Thursday, February 18th, 2010
jeremy82many asked:


I’ve been dealing with a debt collection agency trying to make me pay for a phone line I never had. I’ve gone through all kinds of calls, and for some reason, Sprint does have my personal info, and says I did create a home phone account. I have never owned a home phone in my life though. I had them send me copies of the bills, and there were never any calls made on this line, etc. But I’m getting away from my original question.

I am trying to find out what state the debt originated in. This is because the statute of limitation on debt determines the validity of the debt. Different states have different SOL’s so I need to find out what state Sprint debts originate in.

I’ve looked all over the internet, but cannot find any answers. HELP!

Thanks all!
I live in Florida, and did at the time the “debt” originated. I believe the creditor can pick whichever state has the longer SOL. Luckily Florida is 4 years, and that passed a few days ago. kansas is only 3 years, so that’d be great.

Dora

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Posted in Credit | 2 Comments »

What is the fastest way to get rid of credit card debt?

Friday, February 12th, 2010
violet46 asked:


I’m not talking about those debt consolidation programs, where they settle your debt and you make payments to them. That actually adversely affects your credit. But what other ways are there?

Philip

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Posted in Credit | 10 Comments »

What debt settlement companies are reputable?

Saturday, January 23rd, 2010
MbW asked:


I am looking to settle my credit cards for less than what I owe and was interested in getting a company to do this for me. I am not interested in credit counseling- I’ve tried it before and just need to get this debt paid off.

Diane

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Posted in Credit | 5 Comments »

Is debt consolidation considered the same as bankruptcy?

Monday, January 18th, 2010
meek asked:


I’m considering consolidating my debt with the consumer credit counseling agency in my town but someone told me that it’s considered (i guess by potential creditors) the same as filing bankruptcy? Is this true?

Catherine

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Posted in Credit | 7 Comments »

What are the steps to clean my credit after I paid debt off?

Saturday, January 16th, 2010
Zomba Fett asked:


I recently found out that far not all collection agency would report debt satisfaction to Experian. What should I do to ensure that documents of satisfaction of my debt reach Credit Bureau?

Jose

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Posted in Credit | 1 Comment »

My debt was satisfied but it still has a balance showing on my credit report. How do I clear this up?

Friday, January 8th, 2010
Tina I asked:


I paid the debt in full but the credit report said that I still owe a balance. I can’t even get an apartment.

Scott

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Posted in Credit | 6 Comments »

Will consolidating my debt with a consolidation company worsen my credit or will it help?

Monday, January 4th, 2010
omar c asked:


I am in debt with all my credit cards, i was thinking about consolidating my debt but I heard that was going to mess up my credit even more. Is that true?

Zachary

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Posted in Credit | 10 Comments »

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