debt collectors
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Debt Collection-am I Being Scammed?
Read all 10 responses: "I will try to make this short. My husband divorced his first wife in 1997. They owned a home together that they purchased in 1995.
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- There is such a thing as a deficiency judgment (meaning the lender files a lawsuit to recover and the court issues a judgment); however, some states have anti-deficien...
- Dear K L, 3rd party debt collection companies and continue to attempt collection until the cows come home. The bottom line is this: The original debt is over 10...
- Hi! I am so sorry to hear about this stressful time for you. Here is my advice: 1) If your husband is still in somewhat of contact with his first wife, he should call...
Auto Finance--Do We Have ANY Rights??
While I can't speak on behalf of any debt collector, I can speak as someone ..... I have had my own trouble with debt collectors. Everytime I have a baby, ...
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- I work at a financial institution and can sometimes hear my collections department. I think that they do have the right to be firm in collecting their money. Believe...
- As a former debt collector, she is trying to scare you. I would get your bill up to date. Some debt collectors have those type of tatics to bully people. Everyone has ...
- J., Sometimes people are just rude. It is her job to collect money - not a fun job I am sure. Why don't you just make sure you pay your bills on time to avoid all...
Trying to Help My Brother
Debt collectors always threaten they will sue... even if a lawyer sends the debtor a letter... they won't sue. Some lawyers actually get paid just to send ...
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- the worst is put a lean on his house. which means when he sells it they will automatically take the money at the time of sale. we are going through this, but we are ...
- Can he ask the collection department (or who whoever they are) to split the payments into two or three? They will probably insist that he give them his bank account in...
- Everyone mentioned that they cannot do anything but put a judgment on the house, which is correct. But it will not only effect him if the house sells but also if he de...
Debt Mediation
Basically, those debt assisstance companies are just debt collectors you choose. So you have one collector to work with that you chose instead of 15 others ...
Answers
- I used a counseling service several years ago when my credit card debt reached $20K. I think I had about 8 credit cards then. They made it easy, I just sent them one p...
- I agree with most of the responders: Don't go to a for-profit credit counseling business. If you decide to go with a credit counseling service, go with a non-profit ...
- Hi C.! Please check out DaveRamsey.com before you do anything drastic!!! He is my Hero! I am strongly against consolidating debts, because the interest you pay for eac...
Seeking a Solution for Debt Years Old
How old is the debt? Do you have collectors calling you? First you need to find out if they bought the debt from the original creditor, or if they are ...
Answers
- Check out Dave Ramsey. You can find his website online and there are classes that are offered most of the time at a local church. He is GREAT about teaching how to ge...
- I agree with checking out the Dave Ramsey program. If finances prevent you from attending, some seminars offer scholarships. And DON'T file bankruptcy. You won't be ab...
- Check out Dave Ramsey he is a financial guy. He has a website and wonderful advise. He teaches you how to get out of debt and stay out and build wealth. He has chan...
Chapter 7 & Bankruptcy WITHOUT an Attorney
Oh, & I also found out that thier is a differance in a creditor & a debt collector, seems the debt collectors do not have as many rules to follow. ...
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- I had a friend who went through bankruptcy recently. I think her fees were about what you were quoted. She was able to pay $100/month until the lawyer was paid up and ...
- I'm going through the phone calls too. When it gets too annoying, I just unplug my phone. I then check my messages at my convenience. Sometimes at the colleges, MCC...
- I'm so proud of you for deciding to get control of your finances. It will bring you such great peace of mind, which is much more valuable than any material things. Dav...
How to Get Out of Debt?
I know however, I would much rather be complaining about not being able to go out, then complaining about debt collectors calling me at work. Which they do. ...
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- These questions always get a ton of response...because most of us live paycheck to paycheck. It sounds like you are on a right track by having a plan to take care o...
- Ok M., I have a business opportunity for you that you can do on the side of your full time job. I am literally in the same position as you, expect my husband and I hav...
- Check out www.daveramsey.com . My husband and I are doing the dept snowball and in 27 months we will be dept free (except the house) That includes our 17,000.00 car lo...
Just Received a Court Summons
I have had some experience with this and there are some great consumer websites to educate you on debt collectors. What was this debt? ...
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- Call and talk to them. Nothing will get you in trouble faster than trying to ignore the problem. I wish I had done that when this happened to me. Bottom line make a...
- I would move my $$ to a savings account for your child. You still have access to it but it's listed under their name too... or just pull it from the bank.
- look into DaveRamsey.Com There is a LOT of financial advice on the website. You can even download podcasts and hear Dave answer this question. He usually has a questio...
Credit Card Help
Next Google the Fair Debt Collection Practices Act and as boring as it is read it and become familiar with it. It is a law to protect you from unfair ...
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- Scare tactics and if they keep hounding you, you can press charges against them. DO NOT GIVE THEM YOUR ACCOUNT NUMBER. Have they ever notified you via mail that you ...
- Do not give them any access to your account or post dated checks. Tell them to send you something in writing to say that they will accept $150 a month and then send th...
- Everyone else has given you excellent advice. I'll just add that you can go to www.daveramsey.com From there you can listen to his archives online at your leisure. ...
Mom Is Being Threatened by past Credit Card Companies
Now, I have had debt collectors contact me that every time I spoke to .... 5)If she's dealing with the credit card company directly (not a debt collector), ...
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- I had a similiar incident with a settled debt. Could she get copies of her checks. That way she has proof that she has paid them. I am not real certain what else sh...
- If she resides in the state of texas, they can't "do" anything to her. Different states have different laws. Credit cards are unsecured debt. The company is taking ...
- L., tell your mother to get caller id and stop taking the calls. My husband and I went through some very hard times not too long ago when he lost his job after 24 yea...
