Recent content by freddy48

yes you have to pay it. why wouldn't you have to pay it? was the nsf fee not your fault ( a check put through too early)

Depending on some things, for example, is the loan is secured on anything, is it just in your name, how long have you been back to work. A quick answer w/o any details is they could garnish your wages.

You will want to call the repossession department to find out your options. I'm guessing that you will have to bring the account current to get your vehicle back, if unable to do that, then they will probably try and sell it at an auction and the difference after the sale is what you owe on the...

If your name isn't on the loan, then you don't have to pay.

It determines where you live. I'm guessing you don't live in texas.

Get a pay history from the bank and look over it. Just checking with your bank that the checks cleared. You need to see where you fell behind and if you can prove otherwise, go from there, but first you need a pay history before anything. go to the local branch.

I agree it is a very generous offer. Let me ask you this, how old isi the vehicle?

Personally I don't like them. From what I have seen throughout my years. For a majority of people, they don't work. There is always the worry that the company isn't up to par. You have to pay them to pay your creditors, a lot of the time you get farther behind, it's a big mess. Not knowing...

First of all your statement “they always accepted my late payments without any fuss in the past, changing the contract.” Very humorous, but wrong. Not sure what research you did. Don’t take this the wrong way, but you have a lot to learn about finances. If that statement upset you, let it...

First of all your statement “they always accepted my late payments without any fuss in the past, changing the contract.” Very humorous, but wrong. Not sure what research you did. Don’t take this the wrong way, but you have a lot to learn about finances. If that statement upsets you, let it...

No they can't. Do they not have your phone number? The only reason I can think of why they would be calling friends and relatives (your references probably) was because they don't have a phone# or they have received returned mail, but if you are only 14 days behind that is very strange. I...

my main question is that you said you were just 1 payment behind and the finance company said 3. Did you every look back at statements and see what happened. Do you have a pay history (if there is a local branch they probably could get that for you). The account was a joint account between...

let me ask you this, the credit card is just in your name? If so, have your mom get her own checking account so her money isn't touched. Other then that, I’m surprised you were garnished on such a low balance and you live in Virginia??

just a note on some facts. a company doesn't have to accept a proposal from your consumer credit company. ex. your minimum payments are $50.00 and your company sends the creditor a proposal for $25.00. your creditor looks over it and decides it needs $35.00. If a company denies a proposal...

That's what i figured. 1st off, A charge-off means the creditor wrote off the debt and will no longer pursue payment. Charge-offs stay on your credit report for seven years and are considered a serious notation. In addition, some charged-off accounts may be sold to collection agencies at a...