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What Is It with Debt Collectors Calling for Relatives Who Have Never Lived Here?
Asked by A.S. from Boca Raton
on February 28, 2011
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Both my husband and I have had, what sounds like, debt collection agencies calling for relatives who have never lived with us (at least not since we were little kids!)...
Answers
- Sounds like your relatives may have listed you as a reference on something...there is no other reason for them to be calling you (absent you having co-signed something...
- Hi A., I would tell the relatives. They may have listed you and your # as a 'reference' which would be how the creditor got your # in the first place. I woul...
- You were put down as a reference for the relatives. Just tell the collector they do not live there. Give the collector the relative's number and then tell the collec...
Talking About Filing Chapter 7 or Chapter 13
Asked by A.L. from Dallas
on June 17, 2011
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so he will not be able to keep his house if he file chapter 7
Answers
- I just did all this and the man told me that if a person owes more on the house then it is worth and the house is not in foreclosure then they can keep it.
- It used to be that one could keep ONE house when filing for chapter7, because of a tiny minority of people scamming the system (less than 1%), it was used as an excuse...
- When we filed we were able to keep our home and cars. All other debt was gone. They told us we would be able to get anything for 7 years, but the credit card companie...
Statute of Limitations on Hospital Bill in CA
Asked by S.C. from Los Angeles
on February 10, 2011
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My son was born May 6, 2008. I remember paying a bill to the Hospital for an amount of about $900. At the time I had a 90/10 plan.
Anyhow, I received a bill from th...
Answers
- You can not be turned in to collections as longer as you are making payment. I had a medical bill that I didn't agree with because it was a follow up that was not incl...
- Hope this help. I believe they have right to collect from you. I got the below from online website. Just type California Statutes of Limitation for debt collecito...
- Sadly, I don't know what the statute of limitations are. I would venture to guess that you have not reached it yet. I do know, however, that hospitals hire auditors ...
Bill Consolidation
Asked by C.G. from Dallas
on April 20, 2011
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Has anyone consolidated their bills, and if so what steps should I take and who should I contact that's a legitimate company
Answers
- The truth about debt consolidation http://www.daveramsey.com/article/the-truth-about-debt-consolidation/
- There are almost no legitimate companies that do this; and even if you do consolidate your debt, it usually ends bad. Here's why: if you have too much debt, it may fee...
- Dave Ramsey. Do not consolidate. Just speak to each creditor and ask them to help you. LBC
Paying off Old Debt
Asked by L.B. from Dallas
on February 13, 2007
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So I recently pulled a credit bureau on myself and my husband and found multiple utility bills that he never paid before we were married (that was about 6 years ago). ...
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...
Small Business Needs to Collect a Laarge Debt
Asked by D.R. from Dallas
on May 18, 2009
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We desperately need some small business legal advice. We just finished a large job that took about 4 days. We paid out over $2500 in labor costs and then the out of to...
Answers
- Hire an attorney and have them threaten suit. If they file suit the debtor will be responsible for not only the debt, but court costs, attorneys fees and interest on ...
- Hi D.: I am sorry to hear about your problem. I've been there. Your bank should be able to make suggestions to you. Have you ever taken a Lein out on a project...
- Ed Dannis does business to business debt collection, as well as personal stuff, too. ____@____.com, ###-###-####. I met him at a networking meeting in Addison, and was...
Uncomfortable Situation
Asked by S.M. from Washington DC
on March 15, 2011
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My MIL has trouble paying bills. She ignores her creditors, doesn't answer her phone, etc., etc. To put things in perspective, before we were married, she even used m...
Answers
- I know how they got your relatives names. You can do a free search on about 20 sites to see "relatives" of a person. When you run a full credit report, it shows every...
- I was a debt collector years ago (it was a job, I do customer service now to atone, and am very nice to people...don't hate me for it!). Consequently, I have some sugg...
- Are you married to my husband's brother? I think we have the same MIL! lol. Mine did the exact same thing with my husbands credit and went so far as to borrow money fr...
Buying a Short Sale
Asked by B.H. from Chicago
on March 3, 2011
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Has anyone bought a short sale and if so what price did you start negotiating at? With this market, I'm thinking of asking 20-30% below then what they have listed. Do ...
Answers
- It's hard to say if they will accept that or not. Every market is different, and every bank is different. Our house was listed as a short sale for $249,000, and we o...
- Yes I bought a short sale. Short sales are hardly ever short. Sometimes they take a really long time to close on. We asked for about 10 grand less then the asking pr...
- As the other posters have mentioned... short sale isn't about the seller anymore, it's about the lenders. My BIL short-sold his condo (long and really irritating stor...
After Bankruptcy
Asked by C.S. from New York
on August 21, 2011
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So, I posted on here a while back about pros and cons of filing for Bankruptcy. We ended up filing, and we just rec'vd our discharge. For us, it was a great choice. A...
Answers
- I would not take out a loan for a car, bankruptcy or not. Go to the library and get Dave Ramsey's book "Total Money Makeover" and learn how to avoid financing a c...
- You would probably have better luck securing a loan if you have a pretty hefty down payment available.
- I've not filed bankruptcy. My best friend did - and as soon as it was discharged it seems like they were getting credit card offers in the mail left and right...thank ...
Separation from Abusive Marriage-- Needing Suggestions/resources (SW Portland)
Asked by F.M. from Portland
on April 7, 2008
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I was wondering if there were any support groups in the area for moms going through separation/divorce especially from an abusive marriage. I also would like to have s...
Answers
- Hi F., First let me say that you are not alone, even when it seems that way. You have taken the first step to change things for the better. Please feel proud of y...
- I am very happy that you have found the strength to take your life back for you and your children. It will only get better from here. I would suggest calling Raphael...
- Hi F.! I know of a church in SE Portland that offers a group that is support for single women who are dealing with exactly what you're dealing with. It is Hinson Chu...
