Articles on Debt Management
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]
What Are My Rights When a Creditor Gives Me 20 Minutes to Pay a Debt or Face Felony Charges?
I was contacted by a company called ‘Unified Mediation Services,” regarding a check that I am really unsure if I wrote. I don’t remember writing it. But the lady on the phone said that I owed 789 dollars to a check cashing place and that the statue was up today and that they were filing a felony warrant with the county to have me arrested if I didn’t pay in 20 minutes. Can my son file Bankruptcy on fines that are in collections? I am engaged to get married to a woman who is a citizen of Poland. I am a citizen of the United States. We presently live in Poland and are planning to get married in New Orleans, LA. My question is: Upon marriage, does my spouse-to-be become liable for my debts incurred prior to our marriage? A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00). What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00. Can he do this? I’m current unemployed looking for a job should I close down this account? When I find a job and deposit my checks will they take all of the money from my check? What can I do? In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account. These checks bounced, although I was out the money. He also made many charges on my credit card. We have not been together for over 5 months; however, I am still paying on these loans. What should I do? I filed bankruptcy in Sept.2006. I just heard from the trustee that I have to sign over my tax return ( if any) over to him, and that this would not be put towards the balance of my debt. I do not understand how he can take my refund legally? I live in Missouri. In Florida, are adult children named as beneficiaries in a will responsible for the debt left by a parent? My father died with $4000 in his checking account and $44000 debt to a nursing home. He did not own any property at the time of his death. His nursing home bill was being paid by his health insurance and Medicaid. I had a recent emergency with my health and had to go to the hospital and ended up staying overnight. The bill was over $7,000.00 and I have no health insurance. Now I’m getting letters in the mail from Medical Revenue Services ( a collection agency) saying that they’re checking into my assets, bank accounts, owning real estate, etc. What happens when you can’t afford mortgage payments and have to move out of the home? I have been told by several people that disability income can not be garnished; however, I don’t know if that is really true. Is it? How should one handle it when two different collection agencies or attorneys are attempting to collect for the same debt? Credit debt management is tough enough, but when on SSI it can be especially hard. This reader wants to know “how can I manage my debt while on disability SSI?” Repossession (also known as “repo”) is when an item sold on time payments, such as a car, is taken back by the lender because the loan payments are in default. Repo laws vary from state to state but by the time a repossession occurs, most repo laws give strong weight to the lender. Credit reports sent to the wrong address can be a problem. What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft? With credit card debt credit cards settlements are sometimes an option, otherwise you can usually make credit card payments to reduce an overdue balance. When utility billing goes wrong: this former utility customer is seeking creditor protection from a bill for thousands of dollars worth of water use which occurred during the two years after he had attempted to close the account. A father who cosigned for his son’s loan was made promises by the bank, and their broken promises are costing him money. Unfortunately, the promises were not in writing. Writing bad checks is against the law, but it happens to the best of us, and what the legal outcome will be depends on a variety of factors. Free credit reports are required now under the Fair and Accurate Credit Transactions Act (FACT Act). You can get your free credit reports from one of three recognized credit reporting agencies. Online, even! A reader wonders how to change the name on a loan after a divorce. She says “My divorce was final August 2001. In 1997 my ex husband took out a loan from his job. This is a joint account. This still shows up on my credit as a joint account. I received a letter [...]