Can a Collection Agency place a lien on your property or pilfer any other endorsed deed against you..?
Question:for credit card debtAnswers:
Yes, they can. It is according to the laws surrounded by your state, but, yes they can take a lien on your property after they bring certain steps. There are a few court steps that must be taken, for instance, you have to be served next to papers and given so much time to respond. That is the initial suit. Then if no agreement is met, after a certain length of time, they can bring a judgment, and consequently a Writ of Fieri Facias. Which is a legal lien against your property better set as a FiFa. After that, they can either grab your property, or garnish your wages.
Other Answers:
A collection agency can sue you and trimmings your wages. I am not sure about putting a lien on your property tho. Call a debt consolidator and see if they can minister to you or give you more info.
no i don't so http://www.debt.jims-info.com/
Source(s):
Plenty of biddable advice here.
where on earth and what is the procedure to get hold of a visa credit card ?
Question:Answers:
Virtually every bank have a credit card you can apply for, as do most large merchandisers, close to Amazon, Barnes & Noble, every Kroger grocery stores. There are TONS of credit cards.
What you should be more concerned with are the lingo of the card. Most of the "boutique" cards use a two cycle balance to figure interest. Yes, it'a a bad piece.
Other Answers:
Apply on Visa's website. Check out this link: http://www.usa.visa.com/cardadvisor/CardAdvisor?it=r3%2E1|%2Fpersonal%2Fcards%2Fcredit%2Findex%2Ehtml|Find%20a%20card%20with%20Card%20Advisor%2E%20Apply%20online%2E/
You can obtain a Visa Credit card at the bank.
jump to a bank and apply for one.
or call on these websites....
www.usbank.com
www.wellsfargo.com
www.wamu.com
www.providian.com
www.bankofamerica.com
www.householdbank.com
There is some useful suggestion here.
Source(s):
http://www.credit-cards.jims-info.com/
uhhh apply
Read more about it on http://www.bestcreditrates.web
it will help you where on earth to get one to
r u serious? don't attain a visa
Reloadble visa card?
Question:i got one, and its be about a month and i dont want to use it anymore i already spent adjectives my money on it, an i dont want to put more money into it, so, do i have to call upon to cancel it or i a moment ago dont use it and leave similar to it is? like i said i own 0.00 balance, so do i hold to call or freshly break the card and throw it away?.Answers:
I would call the number on the stern just to agree to them now that you aren't going to be using the card anymore.
Some reloadable cards wont stipulation you to call but I am not sure if that visa card might also be connected to someone elses tale (parents for example). They might be charged if you just stop using it.
Other Answers:
Some of those loadable cards charge you monthly if you don't use the card if that company does that afterwards call and call off other wise a moment ago throw it out!
There is a sou`wester put on lawsuits for malpractice to protect drs. Why can't within be bonnet on credit card fees?
Question:Answers:
There are, but it just take a while to reach them. What is your concern, exactly? There are "usury" law that govern consumer credit interest.
Why some US. Shops do dot adopt credit cards issued by other country bankers?
Question:I want shopping on net and distribute the goods to my friends whom are travelling to Europe, they will bring me...... but can not ! why? such as musical instruments & Digital camera etc.. WHY???Answers:
some credit cards are not compatible contained by different countries
send your friend a money instruct and he can buy with the bread
Other Answers:
due to fraud... mastercard and visa are both secure, objective anyone who accepts those cards is guaranteed costs
Source(s):
owner of mastercard
why dont you pay them through paypal and hold them buy the stuff for you??
how long does it cart for your credit mark to echo the removal of a collection description?
Question:Answers:
Vaughn, some if these answers are all over the places, and I'd expect that from laymen. But from one who call himself thylawyer, shame.
It is true that we have little control over the scoring process but I would allow thirty days for evaluation adjustments. As You indicated, the collection sketch was removed from your report. I don't feel anyone at the credit bureau gets up contained by the morning and, while having coffee, decide that "I think I'll ck Vaughn's score today".
I have, contained by the past, written the bureaus requesting a chalk up evaluation which resulted in a 20 point drop.
Thylawyer's answer troubles me because, as far as I have see, no settled or paid details has ever negatively effect scores. A settled report, if you want it taken off, can be disputed within as little as one year after settlement. So is he really a lawyer? If so, he would or should know how the dispute process works. Or worse, if he's contained by the credit repair business he needs to find another flash of work.
Other Answers:
It depends on how long it takes for the company to report to the credit bureau that you did what you be supposed to do.
If the account be removed because it wasn't supposed to be on your record, the gain should reflect it in a few days.
If the removal is because you paid it bad or setlled it, it will stay on your record for 7 years and will slowly lose its effect on your chalk up over time.
it took a couple of years for mine to finally go up. I have to settle a collection due to getting ripped off by a sublessee put a bet on in the spring of 2004 and finally this year my win went up around 50-70 points, I believe.
Unfortunately at hand is no real time for it, contained by a perfect world it would come to pass immediately. You enjoy to keep after the creditors to remove the item (or indicate it paid). All they care roughly speaking is their money. Look at your credit report, sometimes collection accounts can multiply into 2-3 items on your report (ie: original debt..next the collection agencys)
Source(s):
if you have question peet_er@yahoo.com
7 to 10 years
can credit card co. nick my pension,small S.S. small Federal income and a intensely small allowance from a Union?
Question:I get a Social Security allowance, a small Federal pension, which my vigour and life insurance come out of, and a markedly small Union pension, smaller number than a 100$. If I stop paying my Credit Cards can they take any of my pension? Had some problems, getting harder to pay even the minimum. I've hear YES and NO. I know it will kill my credit but what to do? THANKSAnswers:
It depends on which state you are surrounded by. In TX they cannot, in other states they can seize a judgement against you and THEN attach your checks. (they have to enjoy the judgement first)
I would suggest you contact Consumer Credit Counselors. They will help you lower your payments and interest so you can remuneration them off, as economically as offer warning on how to avoid future debt. If you are living on pension, you will need to avoid debt as inflation is already going to dampen the value (purchasing power) of your pension, so adding debt is going to wipe you out express.
Contact them. They will help you work it out so your pension are not in any jeopardy.
Other Answers:
Pay your bills. You already kill your credit.
Credit card companies will turn your debt over to a collection agency for pennies on the dollar, who will vigorously pursue you.
If you are have problems with your credit cards check out this website to see if this will serve you.
Source(s):
www.oprah.com
Recently increasing ID larceny, I want to freeze or shut down on my credit report>Do you know how to do that ?
Question:Since I go rear to school, I don't pocket any loans except for student loan which doesn't require credit report. I read a recently article on WSJ on closing Saturday about ID larceny. It said you can pay a payment (about $10) to get a freeze shut down access to your credit report, plan no new credit lines can be open unless you OK it by requesting again. But it doesn't provide any website or phone number to make that happen . Any thought??Answers:
Studly is right, you need proof of ID aggravated burglary to flag your reports.
But, you can put a freeze on your reports, if your state allows it. Congress is considering pre-empting the laws within 17 states that allow people to freeze their credit so general public won't be able to. Banks are complaining to much (waa waa waaa)
The credit bureaus will issue you a pin number to use for a conditional thaw if you are applying for credit. The bureaus will charge $10 respectively for the freeze. I'm not sure how much they charge per thaw.
You obligation to contact each credit bureau and converse to them about it.
Personally, I wouldn't verbs about it unless you enjoy reason to. I would a short time ago suggest keeping an eye on your reports. But, thats just my evaluation.
Other Answers:
I think you can stop topical credit for free, as well as confine who can even access your report. Contact each of the three bureaus directly for instructions.
http://www.annualcreditreport.com
will agree to you get free reports from adjectives 3 bureaus once a year and will provide the links and information you want. In the past you could place an "ID-Theft" flag on your explanation. That way, anyone who tries to find credit must contact the phone number/person on the account to bring back permission.
I've hear that they are now varying this policy. I don't have the details, but I hear you now want to have a police report to pocket advantage of the ID-Theft flag. You may be right going on for the $10 charge now.
The plain place to ask are the three credit bureaus....Equifax, Experian, and TransUnion. They all enjoy web sites.
Personally, I mull over they are doing it wrong. The creditor should be taking a lot more protection about who they impart credit to. If they mess up, they should be the one to suffer, not the consumer who had their ID stolen. If you want to freeze your credit reports, you should probably try http://www.trustedid.com or phone each of the credit bureaus individually.
Any place that will tender an auto loan to anyone near credit win of 465?
Question:You name it, it is on my sisters credit. Repo, previous due credit card bills, hospital bills, etc... She really needs an auto loan for at tiniest $5000.00.Answers:
That's not a good FICO win, but (American) auto manufacturers are getting vastly desperate. Who knows... someone at "the big 3" dealer may go for it. Watch out for extreme interest rates though!
Other Answers:
Of course! merely be ready to pay envelope an arm & a leg in interest!
Yea, look for places that dont contemplation what your cradit score is ususally call Special Credit auto loaners. Look around im sure you'll find at least one!
SHE PROBIBLY WONT GET IT WITHOUT SOME REALLY HIGH INTREST. MY TRUCK PAYMENT IS 498.00 MNTH. ONLY 193.00 OF THAT IS GOING TOWARD TRUCK. INTREST EATIN ME ALIVE.
I know that beside that low of credit score I don't give attention to she will be able to a sports car loan. the only entry I could tell you is find someone who will sign a co loan beside another person.
My credit is unpromising too and can't get a topical car any. So I understand how you surface.
sure do
http://www.wesayes.com
many companies even autoway will nouns you. its either a better interest rate or more of a down payment. i hold known some that you can buy a porsche if you needed it. no credit needed. late model cars near nothing down, next to no interest, but the payments are high as the price is inflated to cover the cost of the interest. basically shop around as you can find them. dealers will do it on in arrears model cars, but you may have to put 20% to 50% down. dutiful hunting.
Source(s):
see the ads adjectives the time in the composition and on t.v.
Oh yeah.. there are profoundly of places that will - but you will definately see a HIGH interest rate.. My suggestion before you apply anywhere - is start to achieve hercredit cleaned up...
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will bequeath you a start on where you have need of to go next to your reports. Also, keep them. Never toss them. They are proof subsequent on if you need them to refer to if you ever draw from into a legal situation on the subject of your credit (lawsuit etc).
#2) Dispute. Dispute anything that is not correct including, stability amounts, lates, etc. If you have just one or two lates, I would call your creditor and see if you can win them removed via goodwill gesture, or convey a goodwill letter. You can find some great post on some of the credit boards like creditnet.com and creditboards.com.
#3.) Collections? If you hold any collections on your account or anything that should not be within, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they hold to remove the debt off of your report by tenet.
#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.
#5.) check out some of the posts on creditnet.com and creditboards.com for assistance.
#6.) If you own no credit, or want a temporary boost - enjoy a family applicant or really (really, really, really) close friend add you within as an authorized user on their credit cards. Make sure the balances are not soaring, otherwise this could hurt you more. The higher the available credit, the more your utilization will walk down on your report - therefore bumping your evaluation.
#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless mandatory.
This of course is a shortened newspaper of things you can try. Research info on those links I provided you. You can increase your score spending lately a short amount of time per week, sending letters to creditors etc. I increased my mark over 100 points in smaller number than 6 months. Depending on your situation, this could take shorter or longer time, but at smallest you have somewhere to start. Good luck!
She should know how to get a loan - she will potential end up next to an wopper of an interest rate of 12 - 13%
Her best bet would be to try a multiple lending service such as on of the ones reviewed here:
http://www.consumerresource.info/auto-loans.html
Another resort is to try a "buy here pay here" local hawker. Sometimes, they are not concerned with credit as much as they are employment.
Either passageway, its doable, just costly.
how can i hold a Master card surrounded by iran because i want to buy some industrial things from US or China ?
Question:Answers:
Hi
Kindly approach any of the banking service offering credit card for ex. Standard Chartered Credit card, HSBC, Citi sandbank likne that..
Apply your credit card in iran and you start purchasing whereever you want. One more article you can able to purchase through online solitary. Or in individual you can able to purchase.
P. Ananth
Will double payments boost your credit?
Question:I have a small mortgage on my home that costs me roughly speaking $1000 a month. My credit score is approximately 685 and I be hoping to start pushing it up past the 700 red mark. Somebody told me that if I have my electronic bill clearance make two $500 payments every two weeks instead of a once-a-month $1000 wage that my credit could actually climb faster. Any thoughts?Answers:
not really. But if you hold a credit card and pay it sour each month that will move your credit rating up. Mind is 786. I enjoy one credit card one car loan and one mortgage. I repay between 25 to 100 more than payments and credit I mostly pay it sour each moth.
Don't be unsettled on payments and on Morgage you can make more than one wage. Pay ahead a month or two.
Other Answers:
Paying off your debts improve your credit score.
That will abet you pay stale your mortgage faster, if the mortgage company credits you for half the payoff received two weeks early thus reducing the interest, but it is unlikely that it will increase your credit win. Having fewer credit cards, never human being late on any of them, refraining from applying to too tons cards (someone checking your credit is shown, and can reduce the score). If you hold credit on numerous cards, it would behoove you to pay sour the smaller ones and then close the accounts. The out-and-out worse thing you can do is ever be tardy on a payment.
At the most making double payments will pay envelope off your mortgage faster. Just be sure to explain to the mortgage company you want the extra money on the principal cause they will for sure try to put some if it on interest payments
The bi-weekly wage method is to help you payment down the house faster. By the end of the year, you will own paid an extra mortgag transfer of funds.
A mortgage is considered a good debt and only having one on your report (with on-time) payments improve your score. Credit cards are the doomed to failure debts...I would focus on paying those down.
Source(s):
Mortgage lender...look at credit reports daily.
Paying down debt will serve your score..I believe that's one of the biggest factor..besides never being in arrears..but double payments won't help your win by itself
No, But it does pay bad the principal faster
No! Just making the payment s arrive on the due date will reorganize you credit ratting.
Double payment will not add to. As a matter of certainty, the creditors will end up mortal pissed-off because they know they won't be able to clear more money due to the fact you are trying to repay off quicker.
bank set aside credit card services in need interests and near no service charges- what is their benefit surrounded by that?
Question:Answers:
Believe me, no bank is giving you something that will not benefit them within the long run. Sometimes those perks may individual be offered for a limited time and after in some months you originate to see interest on your bills. Sometimes they only tender those services to those who stay current on their bills and if you are late or over the define they will slam you with up to 25% interest and belatedly fees and overage charges. Read the fine print, not just what looks apposite. There may be no interest and no fees for purchases, but like a 19% on everything else,i.e. currency advances, transfers, etc
Other Answers:
Read the fine print. Usually after a spell of time the rules change. Also they may state if you are delayed on a payment a monthly interest charge will see in, usually outstandingly high.
These cards can be accurate if they allow you to transfer a match from another card & you very practically watch your p's & q's as they craft their money when you mess up.
Every time You purchase a product approximately 2% is being rewarded by the vendor to the hill.
They also Make money if you fail to pay packet the money on time.
The rate of intrest they charge towards credit card is more than any secured loan. Credit card companies are bank on the averages. More often than not, these balance don't get rewarded on time and pay for interest is applied. Theses card offers should be used as tools to your control. Make sure you pay the set off off since the time limit expires.
how long does it lug to build fully clad credit?
Question:I just recieved my first credit card. I want to build up satisfactory credit to get a loan to buy a investigational car contained by the $17k+ range.Answers:
I*'s aswers to everything is that website...mmm...make you wonder, doesn't it?
Anyways, it can take the bureaus up to 90 days to report payments on your credit report. When I be first establishing mine, I went from no mark to a good one in 6 months...
Other Answers:
Rameel, it takes a few years for that sort of loan breadth...but, of course, the more money you put together, the higher that go too.
Sometime,
Building Wealth by Reducing Debt
http://www.askaquery.com/Answers/qn1578.html
How to Manage Your Credit Card Debt?
http://www.askaquery.com/Answers/qn1579.html If you pay on the dot probably one year.
------------------------------...
http://www.bestcreditrates.net
http://www.online-discount-pharmacy1.com If your income is apposite, you can get a 17k loan natural on an auto, remember it is secured. I would give a few months of giving history to get a better rate. Also you can retrieve a down payment that will serve rate.
I want to ask how cyber crime will develop through email by lottery winnig see?
Question:Answers:
Ok This is one of the popular most scams within cyber crimes, let me expain you the step by step procedure, on how it works
1) You can an e-mail roughly speaking UK Lottery that you have won a huge amount surrounded by pounds something like 500,000 GBP.
2) The origin they say that you get the e-mail is because your mail address hold been on a whim selected.
3) After you reply them once they will dispatch you and application form and will ask you for the address and account information of yours to transport you the money. This makes you believe they are real
4) After this process, they ask you for small fee of insurance as tax you need to remuneration to get your amount. This tax can be anywhere between USD 65 - USD 1500.
5) Mode of sending them money they always want is through Western Union.
6) Once you transport them the requested amount, you will never see them again. They disappeared like huming birds.
I dont' know why ancestors don't use their brain and get into this, regard as about this
1) Do you imagine you are that lucky that you can win a lottery on 500,000 which you have never purchased any ticket.
2) The money you are getting is from UK lottery and the taxes and insurance you are sending is surrounded by Nigeria, isn't that stupid
3) Do you think it will cost in recent times USD 100 for taxes and insurance for a big amount like 500,000 pounds
These scam work just because those are getting greedy day by light of day.
Anyways i wish everyone apposite luck for their future who enjoy already been ripped by this scam...
Good Luck to you as welll
Other Answers:
They dispatch you a check often from a sandbank in Nigeria. You deposit it and next send them a payment or whatever from the check. Their check bounces, your check clears and you are out doesn`t matter what the amount is. Many variations on same area, overpayment by bad check you issue return your check is good
Or they will constraint that you send money for taxes and fees. They emergency it to be sent by Western Union. Western Union transfers are virtually untraceable since they can actually be collected at virtually ANY Western Union bureau in the world, regardless of the recipient stated address. Once you send the money, it's the ending you'll ever hear of them.
how antediluvian do u own to be to draw from a credit card?
Question:Answers:
Doesnt matter how frail you are but if your under 18 you call for a parent or legal gaurdian to sign beside you......
Other Answers:
Don't
http://www.cbsnews.com/stories/2005/10/18/earlyshow/living/money/main951008.shtml
18 or older 18 years mature unless your parents sign off on it
18 yrs old-fashioned
18, or get put on your parents' card.18 - But don't do it. 18
i get mine when i was 18
and my parents did not sign near me
all i needed be my own savings vindication.
of legal age and a duty
unless your parents sign for you
No. Legal age is 18 yrs.