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Legal Question
The law is designed to protect consumers, creditors, and credit reporting agencies. The FCRA enforces the seven-year limit; specifically, ...
Answers
- My disclaimer: I'm not a lawyer, lol. BUT - I have heard the same thing that your husband said before. I would trust your husband on this one; if there was a legitimat...
- I am a lawyer, but not a civil lawyer so this advice also comes with the caveat/disclaimer to contact an attorney that specializes in the credit arena for the most acc...
- I would print out a copy (FREE once a year!) of his credit report at www.annualcreditreport.com and make sure the account is showing up. Then you can dispute it o...
Advice on Identity Theft
THen contact each creditor and let them know this is a fraudulent account and ... You cannot ask them to remove any information, the creditor that reported ...
Answers
- I don't understand why the bank will still allow them to go through. Tell your friend to take the police report to the bank. I had an employee steal company chec...
- I agree I think you need to find a new bank. and I would get the bank manager on the phone, they definitely should not be clearing checks on a closed account, thats c...
- You usually don't hear about identity theft with checks because usually the checks are stolen and then written or someone had access to those checks. Be careful with d...
Credit Card Debt Consolidation
They made arrangements with all of my creditors. Consolidated all of my debt into a payment I could afford each month. Once I was in the program, my credit ...
Answers
- Have you tried snowballing or debt stacking your debt? To many of those companies ruin your credit by placing notes on your credit report, I know thats not importa...
- just make sure you pay NO money up front
- Call the credit card companies yourself - request they give you a lower interest rate or tell them you will close the account and transfer to a lower interest credit c...
Wanting to Buy a House, but How?
I worry that we may not make our 3 year goal because someone told us if we have any defaulted debt that the creditor can take a lien out on our house and ...
Answers
- There are lots of ways to help you bring down debt and still purchase a home (without getting ripped off) Try to stay in the same apartment for the next three years wh...
- Really think hard on why you want to own. It's a big responsibility and you might be suprised at the cost of maintenance that you don't pay when you rent. So many ...
- After reading all of the response I decided to let you know about another method that noone here has mentioned. I brought my house 10 yrs ago as a single parent makin...
We Need Help
Dave recommends running to your creditors. See if you can consolidate your loans lower the interest rates--make sure no transfer fees--to get one payment. ...
Answers
- Hi E.- Money (or lack of) is one of the biggest stressers in life. I'm sorry you are having to go this tough time. I know many others are feeling the same crunch, so ...
- E.- I know it feels like a big black hole you are in right now (we are just climbing out) but you have so many options! My husband and I are working an awesome prog...
- We have been a military family and my husband is retiring next month. I have tried to plan ahead (a little). I have a home based referral business and can help you e...
Husband Court Ordered to Pay Car Paymen
I learned that it helped me becauce creditors saw that I did make attempt tp pay my creditors and it felt good to keep my new car as well and had the chance ...
Answers
- C., If you cannot pursue legal help to force him into paying, get rid of the car as soon as possible and finish severing the ties you have to this man who cares lit...
- Just an added note, YOU can take him back to the Court where the Judge ordered him to pay it. The Judge can do lots of things because your ex is in contempt of Court ...
- I was in a similar situation with my ex. I went ahead and completed a chapter 13 to preserve my credit and avoided the coat of a car payment and all my other obligati...
Paying off Old Debt
I am taking your advise and not initially making the payments. I am sending each creditor a letter right now to see if I can get them knocked off. ...
Answers
- Hello, my name is R. I amja Certified Credit Counselor and worked as one for 2 years. THose Utilities from 2001, leave them where they are, they are getting ready to f...
- L., my husband and I work for Freedom Debt - a debt settlement company...yours is past the statute of limitations in Texas so I can't really help you but would advise ...
- My mother-in-law had an issue with a catalog company on a bill that she paid back in 2000. They said she didn't, she said she did. She had ripped up her receipt year...
Any Ideas About Resolving a Legal Issue Involving Fraud???
If she can claim it's fraud, she can go after her exhusband, but not the creditor. That is why I don't understand how your franchise office has that right, ...
Answers
- A., I too am Self- employed stay at home mom and I have a pre-paid legal service available among other financial services if you are interested. It is $25/month for h...
- I know some lawyers are pricey but I would seek legal advice hon. Try gather all paperwork involving the pair and also all paperwork from your company and your paren...
- can't you have the tools reposesed? Your parent company should help you do that I would think.
Paying off Debt
I got a full statement of how it was broken down and distributed to each creditor each month. It will effect your credit but minimally, it is better then ...
Answers
- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
Debt Consolidation
Once one thing gets paid off, they move the money that was paid to that creditor and move it to the one with the next smallest balance and so on. ...
Answers
- Two words for you. Dave Ramsey. I know he was already mentioned but if you can get anywhere to see him in video or get his books it really does work. Please try hi...
- My sister and I (she suggested this Service to me, too) used Consumer Credit Counseling Service (CCCS) Agency: http://www.cccsstl.org/ I used the Service late 90s/earl...
- If your credit is already messed up and you are committed to never getting into debt again, it might not be too bad. I have done extensive research. Your credit will...
