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    1. C

      debt collection after foreclosure

      They take the house to try and recoup some of their costs. They will sell it at auction to get rid of it faster. You get to pay the difference, plus all of the fees. Sorry, but that is the way it works. Obviously, it is still within the statute of limitations. However, write a letter...
    2. C

      Am I liable for a credit card my mom got for me

      More than likely, you were just an authorized user. Authorized users are not responsible for the debt. It would be payed out of the estate. But, to be sure, get a copy of the credit card agreement. If you are just an authorized user, you do not have to pay for it. However, if you used the...
    3. C

      Credit in regards to home purchase

      Thank you, Cyana. It needs to be brought CURRENT, not necessarily paid off. And if you have lates on your credit report, you better believe your interest rate will be sky high.
    4. C

      Freezing Of Bank Account

      I'm sure there are attorneys that will, but I do not personally know of any in NY. However, go to creditboards.com and become empowered! You can do this by yourself without paying someone else. Good luck!
    5. C

      Satellite dish

      You rent, don't own. The apartment complex can have a deposit for whatever they like. I didn't like paying my pet deposit, but if I want to live here, I got to pay it.
    6. C

      Credit Rating and Renting an Apt.

      MyFico will give you your scores. However, if you want to dispute items, you need reports from the actual bureuas (Equifax, Experian, and TransUnion). While not familiar with the apartments in Cali, every apartment I or my family have spoken with will only be concerned about unpaid accounts or...
    7. C

      Lent money to an ex friend- they refuse to pay back

      Just a thought... Before you sue, send her a letter certified mail return receipt. State that persuant to the conversation on [date], you are asking to be repayed. Include the terms of repayment, when it is due, and consequences should she decide not to pay. After that date, if she has not...
    8. C

      Lent money to an ex friend- they refuse to pay back

      No one can say for sure. However, if you have proof, it is more in your favor. Go to small claims court and sue this "friend." If you win, she will have to pay for the court costs as well.
    9. C

      SOL in NC

      Your welcome!
    10. C

      collections call (I think?) from Hecker...

      They asked for your father, not you. They are probably trying to find a number to contact him at. They should not discuss the debt with you, as this is for your father. That was made clear in the message. Your best bet is to find their address and send a letter certified mail return receipt...
    11. C

      Skipping school and the law, help!

      I know this has to be hard for you. Whatever you do though, do NOT give in to any of the arguments or screaming, no matter what. If they do not get a reaction from you, they will ultimately give up. I cannot fathom what it must be like with the 18 year old having a baby. However, if you keep...
    12. C

      Skipping school and the law, help!

      It is time to take charge! Kick the 18 year old out. Because of living circumstances, you can call child protective services who may take the child from her. The baby may be placed with family or in foster care. You could even file for emergency guardianship. This might be a wake-up call...
    13. C

      If SOL expired, how do you remove listing from CR?

      You can try the 1-2 punch. Send a letter to the collection agency, certified mail return receipt, asking for validation. When you get the green card back, send a dispute letter to the applicable credit bureaus, certified mail return receipt. Dispute the tradeline as "not mine." This puts the...
    14. C

      sol debt CC

      If it has been over five years, OSI cannot collect on this debt through legal action. If they try, you will have an affirmative defense. However, you will need proof. Do you have a credit report from a credit bureau? If not, you should order one from Equifax, Experian, and TransUnion. Order...
    15. C

      Speeding...110 in a 65 zone

      It is irrelevant if the police officer was "hiding" with his lights off. An attorney could help possibly with a plea bargain. However, you don't have a defense at all for possibly getting out of these tickets. It is your choice: go to court alone or with an attorney to try and plea bargain...
    16. C

      Credit Help

      It *may* be an option for the OP, but a couple things have to be considered: What do the credit reports look like? If the lates are showing, the score will be significantly lowered. This will result in either the loan being denied or the interest rate increased. With many bank loans, you...
    17. C

      taken for a ride

      You can travel to Michigan and sue him in small claims court.
    18. C

      sol debt CC

      The statute of limitations for a credit card debt (aka open account) is 5 years. It is based on the date of last activity--when the delinquency began, not when it was sold. Depending on when you defaulted, you may be out of the statute of limitations. When did you last pay?
    19. C

      Credit Help

      Most of these companies will take your money and run. Read them as "SCAM." And a notation, if done correctly, shows you doing a consolidation. This is at least as bad as a BK. Even the FTC is against using any of these companies. I suggest you calling/writing your credit card companies and...
    20. C

      listing account as "paid as agreed"

      Most will not do that. You would be better off trying to do a pay for delete. They may work with that. Basically, you pay what you owe, and the tradeline disappears. It is not against the law though. However, they do have an obligation to report honestly and may see reporting "paid as...

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