Should my child support costs increase?
Question:
i've just found out my ex have got a promotion and a payrise, would this affect the amount of money i win a month and should i tell csa or will they find out for themselves? i'm not on any benefit...
Answers:
depends how much you are earn, I notice you don't mention that.
.
If you dont meditate that you're getting enough already consequently contact the CSA - if they are still in existence.
Do you really stipulation to chase for more money though? If you think so, next they will tell you exactly what you entail to do next.
CSA won't find out for themselves. You could call for them and let them know. You'd hold to go to court to carry your child support changed, and it might or might not be increased.
i think it will affect the amount you attain but unless he tells them you wont acquire any difference (if any) until they request pay slips etc when they do their checks
inform the csa and ask them for a reassessment. if your ex hasn't informed them after they will not know, so give them a ring, i definitely would and have surrounded by the past, you may capably be entitled to a rise but you won't know unless they look into it.
EDIT.. you don't go to court to own your maintenance changed.
The singular way CSA would find out just about the increase in your ex's income lacking you telling them is if they did a review on him but let face it they can't even grasp the calculations correct for culture wnating to pay or find the ones refuse to pay!
I'd make available them a ring if I was you but don't expect anything to begin straight away, 1 st they got to convey the form then administer him so many weeks to return it after put it on the pile of every other claim waiting to be re-assessed.
Make a note of who you speak to when contacting them also the time & date, ask how long they bequeath him to reply & if you've not heard anything by read out a week after the date they've told you ring them again to find out whats going on.
Now fingers crossed they've got the form fund & its waiting to be processed so again get a date to when you can expect a unsullied assessment again gettin names of who speaking to date & time of send for & just hang on to on top of them.
If it adjectives goes belly up don't even bother trying to argue or motivation with them to find out whats going on a short time ago get surrounded by touch with your MP. Can email them on www.writetothem.com.
I in a minute go through my MP for adjectives my CSA queries, thye enjoy to reply within approx 28days to any requests of information from them & should catch so much more sense than direct from CSA
Good luck hope you get the extra lolly
PS Another tip remember to get which organization your talking to as could be speaking to Liverpool 1 morning & Belfast the next.
even when they did exist they be not taking on any new cases unless you be on benefits, so its between you and you ex now
they won't freshly find out on their own- you have to request it - you don't enjoy to receive assistance to talk to the child support office- what you would be doing is getting a non-public child support assistance .. sometimes they lone change it if it is a spot on % of change.
Who do I contact to enjoy my wife's autograph changed on her credit report?
Question:
My wife has be getting the run around by a few credit companies because the name on adjectives of her credit information is still in her maiden identify and now she is applying for some things surrounded by her married name. What bureau do we necessitate to contact to fix this. We've changed the names on cards, I want to know who does the actual name change on the report itself.
Answers:
The first answer you recieved is slightly incorrect. Changing PERSONAL INFORMATION will not increase your score at adjectives. But having the credit card companies and the credit bureaus remove the aka's might lend a hand.
I worked for a credit bureau, so let me share you how to do a name coppers.
The credit bureaus are not allowed to translate a last pet name on a credit report. We are regulated and have a great deal of rules to follow and this is one of them.
She has to spawn sure that she contacts EVERY creditor and make sure they are reporting her information underneath her married name. Make sure she give them the same designation, for example if she uses her middle name, take home sure she's giving every company the same exact baptize.
Eventually her accounts will all show below her married name. This is the with the sole purpose way to move names. You own to actually take home sure the credit card companies are reporting the married name, simply because you changed the name contained by THEIR records doesn't denote they've changed the "TAPE" that is sent to the credit bureaus monthly. They hold to make sure they changed the information on the electronic cartridge.
Remember when dealing with your credit report, name are not directly associated to your social security. I would type surrounded by a social security dig out and can come up with 3 different variation of a persons christen. (Especially if they are a Sr or Jr, that's a whole different nightmare.)
The first point to do is make sure adjectives accounts have one label listed, i.e. they are adjectives Jane A. Doe or Jane Doe and no variations of that. After adjectives accounts are updated, contact all three credit bureaus requesting that they remove alias' and that Jane A. Doe is how adjectives accounts should be listed and reported.
Experian
P. O. Box 9595
Allen, TX 75013-9595
Tel: 888-397-3742
Equifax
P. O. Box 740241
Atlanta, GA 30374-0241
Tel: 8OO-685-1111
Trans Union
P. O. Box 1000
Chester, PA 19022
Tel: 8OO-888-4213
Not solely does this help within reducing all the info on your credit report, but can also gain up to 50 points on your FICO gain dependant upon the number of alia' showing. You can also have them remove previous address to gain a few more.
On ************* when it say until offer, what exactly does that anticipate? How long b4 they become completed?
Question:
Answers:
Thank You for elaborating. I'll utter 3 days.
I don't know what ************** means so I can't inform ya.
Bad credit, and how to fix it?
Question:
I have desperate credit, medical bills, bogus car loan, and prepaid credit card. I am looking into buying a home and would similar to to get approved for the loan. how can I pay packet back ripened debts, find out who I owe, and where to convey money. if I start paying back instantly, how soon can I see a change within my credit score?
Answers:
walk to one of those websites that will give you a credit gain, make sure it is a lawful and safe website, and you should be capable of get a account of who you owe from that. maybe not. hope i help?
What are you thinking?? Go to daveramsey.com and get out of debt beforehand you try to buy a home. His plan is wonderful and it really works!
If you're able to start paying off immediately, why haven't you already done that? The mortgage company might ask that give somebody the third degree - and might not look at you as a very well-mannered risk to pay THEM hindmost on schedule.
Get adjectives three of your free credit reports form www.annualcreditreport.com and this will give you a place to start. It will own a list of adjectives of your creditors, collection activities etc.
Contact adjectives of them and work out payment agreements, be sure to go and get everything in writing until that time you start paying.
As far as how long it will take, it could be up to 12-18 months up to that time you start to really see any change surrounded by your credit report.
It takes years to establish angelic credit and only a couple of months to trash it.
First you requirement to pay rotten old debt, you don't want to buy a home and be surrounded by more debt.. and your score requirements to be fair and never be belatedly on payments after you have salaried your bills off
Does your credit history verbs from Canada to USA or vice versa?
Question:
I have just this minute immigrated and heard that my correct credit history that I had contained by Canada does not apply here in the USA and that I will own to start from scratch.
Anyone own any experience to know whether or not this is true?
Can they not access my credit history through the Visa and Mastercard that I held in Canada?
Answers:
Credit reporting agencies such as Equifax, TransUnion, Northern Credit Bureaus and Equifax, and others lone collect information from creditors about consumers’ financial experiences surrounded by a particular country and is seperate from other countries credit reporting agencies and vice versa.
There are abundant reasons why credit reports do not verbs from one country to the next. The major reason down this is because of differences in national law. Every country, and the European Union, has its own law governing credit reporting and information use. In addition to legalized barriers, at hand are significant contractual complications around how businesses in other countries would access reports, report and update information and respond to consumer disputes. There also are a little technical issues around how information is collected, stored and shared that further complicates transferring your credit report.
if it doesnt im movin to canada
I believe your credit follows you everywhere! Unfortunately!
Credit within the United States is based on our Social Security numbers. So I would guess the just way yours would be capable of be transferred would be after you became a US citizen and obtain your Social Security number.
After that you would have to contact adjectives of the accounts you had contained by Canada and have them report to the credit bureaus surrounded by the U.S.
How to you pull off a credit evaluation if you never used a credit card?
Question:
How is bad credit and angelic credit determined, and given my situation, how do I make it better.
Please give support to because I'm thinking about giving a credit card a try since society owe hundreds and thousands of dollars on them, and somehow continue to be approved. Don't return with it.
Answers:
I am amazed on how many family give discouraging credit advice.
You are lone going to achieve a dependable score minus having a credit card acount. Remember NO credit and impossible credit are pretty equal. How to determine good credit vs desperate credit really depends on the creditor (the one who is deciding to offer you an account or not) they own criteria that they are looking for. Anything over 675- 700 is a good gain. A good credit report will enjoy a mix of different accounts, credit cards, installment accounts (like car loans), and mortgage accounts.
******* This is tricky, but will work**********
Credit cards will increase your credit evaluation, A LOT. The trick is to not use them, which is really hard to do. I enjoy 6 credit cards (that all show opened) I merely use 2. The other cards are just at hand to keep a unmistaken credit score. You don't obligation 6, even a couple will help your gain.
Before I had any credit cards my credit win was average and it stated that I did not enjoy any PREMIUM revolving accounts. So I applied for an American Express and Discover (within a 2 year period). My credit score jump almost 100 points.
If you have credit cards, near a high credit constrain, and a low balance. This let other credit grantors know that you are trustworthy. You have the option to spend all this money, but you are responsible.
** Remember the trick is not to spend like mad on them. If you add profusely of debt to your credit report, you will see your score fall off. Ohh, for all those those who owe hundres and continue to be approved, what are their nouns rates ??
its based on ur qualifications to pay payments prompt and just maintaning your financial situation
its dutiful to have a sports car on there but i be determined one credit card will get you a credit mark but you might not be able to for example purchase a house because you obligation prove that u can pay the mortgage. But getting one credit card is a averyyyyy accurate idea. u inevitability to build the credit up people dont realize how meaningful it is.
A fico score of 0 is the best chalk up to have. Don't ruin that by getting a credit card. People may verbs to be approved, but the average american is 35,000 in debt to credit cards. Is that what you want for yourself? I bet everyone of them said it wouldn't take place to them too.
A good credit rating is totally important, and you can procure it in several ways. Take out a small loan, consequently pay it rotten each month. Then do it again. Each time you take home regular payments (on time), it helps your overall chalk up. If you do open a credit card justification, do the same. Don't miss a contribution, and do not run up a large outstanding total. Pay rotten your total credit card bill, if you can, each month to avoid charges which can be as elevated as 26% of the balance on some cards. Do not stretch out up a lot of credit card accounts because that will lower your rating. They look at your total liability on adjectives cards and compare it to your income, so start small. Buying a car and making payments on the dot also is a good passageway to establish credit.
I own unbelievably discouraging credit does anyone know of anyone that will work beside you to win a motor?
Question:
Answers:
Try Triad Financial. You can apply at www.roadloans.com
save your money and buy a used motor. dont put yourself more into debt making your credit even worse just because you want something shiny
"At Eastern Motors, your job your credit"...you have to sing that.
Any of the "your mission is your credit" places; prepare to get mugged on interest rates and probably a pretty indifferent vehicle.
Every city have those used car lots that flaunt "You Work You Drive." Yes, they work with you.
Most adjectives auto dealers will market you a car and nouns you but they WILL try to take full help of you by offering you horrible rates and terms for the loan. Do yourself a favor and try to collect as much as you can to put down on a vehicle to minimize financing costs.
You can probably find a small lot that will work with you. Of course your interest rate will be really really lofty. For example your over priced $5000 car will conclude up costing you $10,000. The best thing to do is try to verbs up your credit then apply for a loan.
I agree the best article to do is try and clean it up first. I have the same problem after my divorce. Due to my cross being on everything, including the things that she received surrounded by the divorce, when they went repo or foreclosure it artificial me.
I used Drive Financial and while my interest rate is horrible and I'm paying way too much, it is re-establishing my credit faster than paying dosh for a car or dealing beside credit cards.
Why not try Prosper.com. It is the eBay of personal loans.
If you do decide to try proser, use this group: https://www.prosper.com/groups/group_hom...
Hi.
This site is okay recommended and will definately help you:
http://bestamericanfinance.bravehost.com...
Today nil is impossible. There are many lenders in a minute who give coup¨¦ loans to people next to bad credit. reaserch online for a lender that offer low interest rate.
http://www.badcreditresources.com... -- here you can find the list of lenders who approves motor loans even for people beside bad credit.
You CAN win a decent saloon loan, even with fruitless credit. I've done it, but you'll have to look around. That's one of the BIG mistakes race make...of late taking the first offer that's given to them when they progress to the dealer. Be smarter than that.
WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealer will eat you alive and grant you a crappy rate. Shop around with lenders who specialize contained by bad credit saloon loans. It's a better option, you don't own to take what they're offering if you don't want it, and it's better than dealing beside the car dealer's inhabitants.
There are usually some nationally base car loan companies who specialize within bad credit sports car loans who advertise on the page allied below...
http://www.axalda.info/bad-credit-car-lo...
Normally these loans are more expensive than those offered to borrowers with apt credit. The interest rates are higher because the lender bear higher risk. Adverse credit loans hold more stringent repayment criteria than normal loans. Skip one transfer of funds on a bad credit loan and your rate will rise and you may even enjoy to face a foreclosure.
Why can't the organization print more money when the country is so within debt?
Question:
I'm sure this is a stupid question near a simple answer, but I really would like to know. If this country is so surrounded by debt, couldn't they just "print" more money to solve this? I own already read that there is not plenty gold to put money on up the money already printed, so why conserve the paper very soon?
Answers:
Besides all that...
People work firm to get out of debt. Debt keep people underneath control.
I know a lot of folks that I dont want to see have too much time on their hand.
Work is good...it keep you health. Charge it up, work it rotten and have a pompous time. If $hit hits the fan...folder bankruptcy.
God Bless America...our home sweet home!
Good luck
Because it will lesson the worth of the dollar.
it would end in an inflation, making the money worthless, so there would be no use for it, the lone way for us to obtain out of debt is to make and deal in goods, but instead we hang on to buying
They -do- print more money. But the more money they print, with no added success to back it up, it make existing money worth less, so it doesn't facilitate with debt. But they do print more money every year, as much as they can bring away with, to trade name it look like there's more money.
If the rule were to print more money after the consumer prices would rise.
There are different measures of inflation, including those having to do near consumer prices, cost-of-living, wholesale, et cetera.
The problem is that if inflation were to turn out, people's income would not change.
Example: Prices of commodities would rise but profits would remain the same, so you'd enjoy to pay more because of inflation.
Other aspects would be union would demand better wages and the price of exporting goods will increase.
Basically,
Inflation occur -> prices rise --> value of money decrease
We should export more and import smaller quantity. The trade deficit with China and Japan are getting worse. The Chinese and Japanese increase our dollars merit so high that their citizen can't afford to buy American products as a consequence they don't import from the US. American don't liberate for future but spend more than ever. Everyone have credit cards debt. If you ask an average American how much do they save for their retirement I can guarantee you that some of them don't even pick up money for the golden years. Printing money is not a solution for resolving the deficit.
Since the Europeans get together and uniform their currencies. The US dollar is worth smaller quantity than the Euro. That's why I'm not taking my money to Europe on my vacation. I in recent times use my credit card instead. At least that course I can earn points on my card.
Money has to be back by securities within the gov't for that money to enjoy any value. Producing more money lead to inflation and weakens the dollar due to more money human being in circulation than their are securities to wage for it.
When i cosign someone next to no credit...?
Question:
i have 700+ credit very soon, but when i cosign my friend with no credit win to get his saloon, do my credit go down by partly or something? so whenever i apply for something else like a phone flash, will other people will see my credit lower?
Answers:
DO NOT DO IT !!
First of adjectives your credit score will be impacted. This will net an inquiry on your credit report and show more debt on your credit report.
I know you want to help your friend out, but cosigning is foolish. Your friend could experience an emergency and not make a return and now you will enjoy a late on your credit report that will never shift away. Or worst, say they can not remuneration for this car any longer and the vehicle is repossesed. Your credit will be ruined!!
You just bought yourself a motor.
Caution, caution, trouble, bumpy road ahead. Never, never, cosign for anyone. One exception, a husband.
He needs your credit because he have expensive tastes and no credit or money. Read the trouble signal here. What is he driving now ? Let him preserve it until he gets a brief, good credit, unless you want to play Santa Claus. You can't buy love. He will play you approaching an ATM .
In a few months if you break up, you will have two cars and one big headache.
Why on globe are you considering co-signing for a friend to get a motor ? Do you comprehend that, in doing so, you are accepting full financial responsibility for the financial contract and that, if he default, they will come after YOU for the amount owing ?
This is NOT a wise piece to do.
Auto finance is what I do for a living and co-signing for someone to buy a vehicle doe's not affect your credit at adjectives except to increase your credit to debt ratio which will affect your score somewhat depending on how much debt you already have.
If your friend make his payments on time every month it will comfort both of your credit scores conversely if he doe's not generate his payments on time both will suffer and you may find yourself contained by the position of having to engineer the payments to ensure that your good credit doe's not suffer.
Think just about this very firm before you do this. You may finish off up buying the car yourself. Not trying to mediate your friend, simply pointing out what could happen.
Not so much within answering the question. I believe that have been done already. Just a comment roughly co-singing. Not everyone that needs a co-signor is going to renig on their loan, deem about it close to this if you are a good plenty friend then why would you want to mess that those credit up, I would never ask someone to co-sign if I didn't have every intention of paying the debt in good time and in full. I know that something could happen unexpectedly but i.e. not likely. I am merely tired of hearing nil but negative give or take a few people co-signing for friends and that they should NEVER do it. There are some of us biddable people out here that would never do anything to hurt someone we telephone friend. Sorry had to speak out.
Do credit cards minus balance affect your credit report?
Question:
Is it true that your credit is affected not individual by the credit cards with balance but also those without balance??
Answers:
This is an evaluation after reading all the answers you be given.
First off *** do not close any of your credit card accounts. You entail that history.***
All opened credit cards affect your credit evaluation ! I agree with some answers that have a zero match shows inactivity. So using them and paying them adjectives off at the closing of the month will not necessarily help your credit evaluation.
What I suggest is putting a very extremely small balance on that card and fashion the minimum payments. Don't even use 30% of the card. This will help you verbs to earn a good credit mark. Having a well round of credit card accounts beside low balance that are salaried on time will aid you improve your credit chalk up the most.
Your score will not be artificial negatively by too much credit limit. The just way your gain will decrease by too much credit closing date is if you have A LOT of cards. (Like surrounded by the 20's) The scoring system does not score you on your pilfer home pay vs your credit aim. This is something a creditor might judge you own. (Remember when you applying for an side each creditor have their own criteria they are looking for.)
You will need a couple of MAJOR credit cards, and a few small revolving accounts. Please factor the department store accounts.
Yes! Click>> https://www.annualcreditreport.com/cra/i... This central site ( Central designation 3 Equifax, Experian and TransUnion).allows you to request a free credit file disclosure, commonly call a credit report, once every 12 months from each of the countrywide consumer credit reporting companies: Equifax, Experian and TransUnion.
AnnualCreditReport.com is the official site to support consumers to obtain their free credit report.
This site's collateral protocols are designed to protect your personally identifiable information from unauthorized access or alteration. Measures include physical and
industrial security and encryption of indisputable information.
Yes, they impact both your credit score and your credit report. Your credit report list all your unfold accounts, and your credit score can budge up or down depending on different factors but applying for a contemporary card and/or closing an account definitely can impact your score.
The credit report will show any credit card accounts that are widen. However, I am pretty sure that have a not anything balance on a credit card can lone help your credit report.
No one should own a lot of credit card debt; that hurts the credit report.
If youve never used the credit card its resembling not even having it . If you use it periodically for small things afterwards pay it at the closing of the month , thats how you get appropriate credit !
Yep..it shows as a possible liability. It affects your income to debt ratio.
Sometimes, It depends on the buissness... Sometimes it says if you dont use it its close to not being competent to use what is in front of you. haha, or something close to that. But it sounds more Legal...
Any credit card you have i.e. open, whether you enjoy a balance on it or not, shows as an "amenable line of credit" which can any help or hurt your explanation. You can be looked at as Overextended if you have too abundant open lines of credit base on your income.
Ok, everyone's posted their answer on here, so now I'm going to post mine. Yes, credit cards w/o balance can affect your credit report, especially if you're not using the account. If you're not using it, the reason doesn't report any activity. The credit scoring system is designed to where on earth it should be consistently used, but not overused. Anywhere up to 30% of your available credit is allowable. While it's ideal to enjoy a 0 balance, sometimes the diversion from month to month on the account may or may not echo on your report.
Your credit score is made up 35% fee history, 35% debt to income ratio and account longevity, and 30% for alias' previous address, and a number of other small things.
While a couple of plain accounts with no harmonize helps you, the potential liability of you running out of control and being competent to max them out and over extend yourself does play a part surrounded by the debt to income ratio. Be sure to keep your oldest vindication open. If the interest rate is big, ask them to lower it because you have salaried and have a 0 stability. If they won't, tell them to close the sketch. They will quickly support up and drop the rates.
If you have several accounts initiate, close a couple of them. As a general rule you want to take a balance on one card and save one or two others paid stale. Even if it's groceries on week on a card and you pay it bad the next sunshine.
I have found one path to help re-establish is to use a credit card resembling a debit card and pay it online day by day or weekly if your servicer allows multiple monthly payments. It keeps the description cycling and reporting positive.
yes, It shows that you have credit available to you and it is a polite thing is help your score
Business Credit Card?
Question:
I am thinking about first performance a business credit card and was wondering which remedy was better:
OPTION #1:
- 0% APR for harmonize transfer for 15 months
- 7.99 fixed APR thereafter
- 3% transacton levy
- 5% cash pay for or travel rewards
- no annual fees or limit on proceeds
OPTION #2:
- 2.99% fixed APR for life
- 9.99% purchase rate
- 0% transaction payment
- 6% cash hindmost or travel rewards
- no annual fees or limit on yield
I plan on paying all my monthly bills prompt and am mainly using the card to engender purchases. Any suggestions?!
Answers:
You must understand that 2.99% rate for vivacity only for match transfer. Some company requires you to use the card during this promo. That way anything you buy at 9.99% will not be paid until the 2.99 % get paid first.
Read their disclosure " We will allocate the recompense to balances beside the lower APRs before balance with superior APRs".
If you use the card often for your business (for purchases), To me route 1 is better. Also do you plan to pay it rotten within 15 months ?
You also enjoy to ask yourself if travel is important to you.
I hold ben terminated from my mission...will it be frozen to find another ?
Question:
I was terminated due to point accumulation..I"ve been verry sick..even though I have a working FMLA for my diabetes ..I developed other serious health problems and be unable to use those on my FMLA one..Im wondering if looking for other job will be a problem...I am 49 with diabetes and an ear problem I also own heart issues...my Dr. says I'm unwary to get disability...anyone have an experience like this one..i own been at this workplace for 9 1/2 years. i 'm not sure i would be hired due to my robustness issues...What do you think? lkb
Answers:
It's not required that you divulge your strength challenges prior to one hired (during interview, say). Keep your private life private and promise with issues as they come up.
You might refer to bad health getting the better of you during your previous job, but permit your prospective employer know you're getting the rest you need and are taking accurate care of your robustness since that time.
Best wishes.
First, apply for unemployment as soon as you can since it may pinch awhile to go through.
Second, depending on how much you necessitate to make, you might want to dance through an employment agency. They can place you on short term assignments.
Third, wahm.com have work at home jobs that might fit your lifestyle and complaint better.
The first answerer is correct with applying for laying-off a.s.a.p.
I hate to describe you this but you're going to have to pull the wool over your eyes, lie, pretend. Think about it this course, employers are individual out for themselves as so we should be too. Everyone I know has lied within some way to cover up blemishes on the register. If at all possible, try not to use them on your resume. Search for slice time work and tell them, you be caring for a sick relative or you be helping your children through school. Basically, dream up of something that sounds really good, that you'll remember and adjust your resume properly. I hope this helps you out and well brought-up luck to you.
Business rationalization recommend?
Question:
I have doomed to failure credit and need a business acount beside an overdraft to start my own business. Can i open a business acount and put a own flesh and blood menber as guarantor? Even if they have zilch to do with the business
Answers:
Yes, the bank will go for that.
The guarantor will enjoy to provide a certificate of independent legalized advice together near the guarantee.
they will still run your personal credit when you apply for overdraft protection. If you have derogatory justification history at another bank you are most possible on Chex Systems and will probably have problems exit an account elsewhere. well brought-up luck to you.
The family bough will have to enjoy sufficient credit rating in their own right to be fitting to a bank as a guarantor, and thats basically as a minimum.
Also, knowing that you have departed a string of debts behind you, what make you think that a ethnic group member is going to stand guarantor for you!
yes, the bank only want to manufacture sure they get their money contained by the event it all go wrong. who they get their money from wont really bother them. although sometimes they prefer it to be the directors of the company because they judge it makes them "work harder" if its their **** on the strip.
I am excited about it that you know Business sketch advise. You can find more information here.
I really call for to know where on earth to go and get the free every twelve months credit report w/out putting your credit card # within. ?
Question:
Answers:
This gets asked everyday!
http://annualcreditreport.com
Easy. (But you will solitary get the report, NOT the credit win, unless you pay for it.)
Credit card debt?
Question:
I had a friend that have some credit card debt and has since moved out. Am I legaly responible to present his address and or phone number to his collectors.
Answers:
No .Not at all.
No, but if they ask you, be nice and describe them. They have to nurture their families too you know.