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March 8th, 2010How do get my credit card debt to zero?
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
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
How are debt purchasers different from debt collectors?
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
And also do they have the same rights as far as
a debt collector trying to get debt vs a debt purchaser???
Gail
How do you get a court to garnish wages for debt collection?
March 1st, 2010
drf2684 asked:
I have judgement against an individual and his company for close to $10K. I know that his company is still solvent, yet few debt collection agencies could be found in my area (Lehigh Valley, PA). Is there a way to have the court garnish wages to collect debt?
Gertrude
I have judgement against an individual and his company for close to $10K. I know that his company is still solvent, yet few debt collection agencies could be found in my area (Lehigh Valley, PA). Is there a way to have the court garnish wages to collect debt?
Gertrude
How serious will debt collectors become?
February 24th, 2010
Mostly Monkeys asked:
I have a couple credit cards $2000 and $600 debts, that im paying through a consolidation company.
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
How can I find out what state a Sprint “debt” originated from?
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’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
How should I pay down my debt using my tax refund?
February 13th, 2010
tru2pharaoh asked:
I received my tax refund of approx 2K. I have a credit card debt of 3K and an computer i financed whose total debt is 1500. How should I split my check among my two debts? I heard paying off a credit card too fast was bad. (The credit card and the computer are at the exact same interest rate.) I will save my suggestions because I hope to here from a seasoned player of the credit game. Thank in advance.
Earl
I received my tax refund of approx 2K. I have a credit card debt of 3K and an computer i financed whose total debt is 1500. How should I split my check among my two debts? I heard paying off a credit card too fast was bad. (The credit card and the computer are at the exact same interest rate.) I will save my suggestions because I hope to here from a seasoned player of the credit game. Thank in advance.
Earl
What is the fastest way to get rid of credit card debt?
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
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
How long can a landlord take before pursuing debt from a previous tenant in Colorado?
February 6th, 2010
Devin asked:
I have just received a collection for $250 from a previous landlord of over 3 years prior. This landlord also kept my entire deposit at the time. According to the Colorado Statute of Limitations, can he come after me for this debt out of the blue 3 years later?
Kathryn
I have just received a collection for $250 from a previous landlord of over 3 years prior. This landlord also kept my entire deposit at the time. According to the Colorado Statute of Limitations, can he come after me for this debt out of the blue 3 years later?
Kathryn
I want to consolidate my credit cards debt and get rid of high interst rates. What is the best way to do this?
January 25th, 2010
mony ou asked:
I have 4 credit cards with approx. $25,000.00 worth of debt on them. I would like to get ahold of a non-profit debt counseling service in order to get rid of the high interest rates and pay them off alot sooner instead of only paying the interest and the over the limit fees. I have not used these cards for the past 5-6 years and the accounts are closed except for me making payments on them. I am not even touching the actual principal that I owe, although, I have probably paid enough on these cards to have actually paid off the actual principal. How is the best way to do this and what are some reputalbe non-profit agencies that will help achieve this? I have also heard that some credit cards will take a settlement on some accounts. Is this a good idea and how much of the amount owed do they usually want? I realize that this may hurt my credit rating but to be honest with you it isn’t worth squat now, so what is the difference? Does the debt consolidation hurt your credit as well?
Sally
I have 4 credit cards with approx. $25,000.00 worth of debt on them. I would like to get ahold of a non-profit debt counseling service in order to get rid of the high interest rates and pay them off alot sooner instead of only paying the interest and the over the limit fees. I have not used these cards for the past 5-6 years and the accounts are closed except for me making payments on them. I am not even touching the actual principal that I owe, although, I have probably paid enough on these cards to have actually paid off the actual principal. How is the best way to do this and what are some reputalbe non-profit agencies that will help achieve this? I have also heard that some credit cards will take a settlement on some accounts. Is this a good idea and how much of the amount owed do they usually want? I realize that this may hurt my credit rating but to be honest with you it isn’t worth squat now, so what is the difference? Does the debt consolidation hurt your credit as well?
Sally