Can I still draw from a student loan if I hold Judgements?
Question:
I just found out that I could not catch a student loan about a week ago, and my credit report shows that I have two judgments, one from the state department of motor vehicle, and one due to a hospital bill that i never got post for. I paid the surcharge on the dmv bill, and they said that they will contact the credit bureaus. I will soon attempt to reimburse the hospital bill (about $700) in full. I already hold a stafford loan, but it does not cover much of the tuition. Even with a "satisfied" judgement on my credit report, will I still be approved for a private student loan? What should I do? My TransUnion credit rack up is 692(with judgements currently unsatisfied)
Answers:
Actually I had a institution loan that went into forbearance and I be unable to acquire any school loans when I arranged to return to school. I rewarded the outstanding amount in full (was around December or January) and I be able to receive financial aid 6 months following. And for the record. If you cannot protected a loan through William D. Ford, Perkins, Tap, or a REAL BANK... Tell everyone else to kiss your a**. Stay away from these so called lenders that administer loans to those with poor credit or nation in your situation. If you compensate your loan you will get financial aid. I be in forbearance for over 5 years and I be able to receive financial aid in the order of 6 months later. This be in the summer of 1991. I am a proud graduate of Pace University.
Dispute the judgements beside the credit bureaus. It's really the only bearing to get them removed. If you can't acquire them removed, they will stay on your credit report for 7 years.
If you will finish your education soon, you can ask for a loan at Prosper. People may relieve you. More information at http://www.acreditlibrary.com/prosper.ht...
Hi
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My motor engine is blowed up and I can't afford the monthy payments or fix the engine.?
Question:
My car is a 2006 Cobalt. It have been within the garage more than on the road. I owe $19000 on it. Now, the engine is blowed. I can't afford the monthly payments or insurance on it. The warrenty have expired because of the millage. Should I let it shift back to the mound? I can/t afford a new engine and nouns and air conditioner, or body work done to put on the market it.
Answers:
A difficult situation to be in! Do you own someone you know who could help you repair the vheicle satisfactory to sell it and carry your money out of the vehicle? That would be the best way to be in motion. Best Wishes!
"is blowed up"? Are you for real?
Put it on blocks contained by front of your double-wide.
You can let it jump back to the wall, but then you'll be out the motor and will also probably still owe some part of what you owe in a minute. Letting it be reposessed doesn't cancel out your liability.
Does in arrears return on sports car insurance affect credit?
Question:
just wondering if a behind payment of a bill.articulate my telephone bill, or coup¨¦ insurance affect my credit?
Answers:
Most of the time insurance companies and utilities do not report to the credit bureaus on a monthly basis. In most cases the simply time you would see something from them is if you left an unpaid bill that go to collections. The best way to know for sure is to check your credit report and see what is getting reported every month. As for any commentary that is reported monthly I recommend that if you must settle up late construct sure to still pay inside 30 days of the original due date. That is because the just time a "late payment" shows up on your credit is if it be 30 days or more past due. If you are for example 28 days departed due this would show as "ok" or a timely payment even if you have to pay a unpunctually fee.
There can still be other consequences to paying your insurance unsettled as Echo mentioned, it can increase your premiums, and utility companies can charge you a security deposit but for that to take place with any you would have to money late more than freshly once.
afraid so
Yes, one of the biggest factors surrounded by credit score too.
Most places hold a "grace period" before it would start to affect your credit. And even after that it would nick a lot more than merely one late giving to really screw up your credit
yes, contained by a major channel
Your car insurance bill for sure. The insurance habitually base your rates on oodles factors including your credit ranking. They are some of the first to rat you out for a late stipend cuz they get to charge you more for anyone a late payer. Cell phone companies are swiftly rats too, but your local phone company is far less predictable to report you for a late costs.
The answer is no, one late salary wont affect your credit due to the fact that insurance companies and phone/power companies will one and only report on your credit if the account is charged-off or sent to collections which is usually 60-90 days tardy.
I don't think I've ever hear of an insurance company reporting on a monthly basis
Many utility companies across the country do not report on a monthly starting place.
Since those companies don't report on a monthly basis they won't report a postponed payment.
If your utilities do report on a monthly starting place then they will show any behind time payments you make.
Unless your utilities report on a monthly starting place I doubt they or the insurance company would even report if you defaulted.
They would newly turn the debts over to collectors and the collectors would report.
If you have lates on your insurance, your premiums may be in motion up.
If you have lates on your utilities, they may require you to take-home pay a deposit.
Does any body know what the autograph of the error is when you post a debit as a credit and the credit as a debit?
Question:
Answers:
A reversed entry.
A whoopsie.
1 beer too many.
Posting error.
yeah, it's a stupid error :)
or an accounting error :)
I hope this help
dyslexia
but they do have a cure next to reading physio..
A reversed (or reverse) entry - and you would need to contra them by making a gloomy debit/credit (as applicable) before posting them the correct opening around!
A c"ck up!.
correction of error in posting
I devise its called a transposition error.
Or a f@@k up.
Transpose. You transpose the information.
It's just a simple clerical error and more specifically, a posting error. It's not a transposition error. A transposition error is when you post $789 as $798 or $1,253 as $1,523, i.e. the digits are transposed. A true transposition error will other throw up a difference which is exactly divisible by 9 (e.g. $1,253 - $1,523 = $270 divided by 9 = $30, an integer or a whole no., minus decimals)
Okay, perchance my first quiz be awkward.?
Question:
It's not that I have unpromising credit, it's just low (590). What nice of credit card can I get?
Answers:
you MIGHT take a secured one but expect a 20%+ APR on it.
I'd really suggest going without a credit card. There is no explanation to have one, as a debit card works indistinguishable way. The added plus is that you can solely spend money you actually enjoy, which will minimize any financial damage.
Boo Too get that one, Credit Cards are stupid tools to put people surrounded by debt and take adjectives that they can, at 19.99% compounded hourly.
Each time you check that Report it drops, it is a racket that the Government approves of and enable with loans from the Tax Payers coffers.
You can apply any credit card, Citi guard is very tough to find, AE is easy, but you call for to pay bad every month. Capital One and MBNA are easier ones, and there are some small companies that are inclined to take a risk. Also, the ones issued by your ridge.
I agree with most everyone else. Just don't find a credit card. No good point will ever come from having debt. If you don't enjoy cash for something, don't buy it. IT's a great to win in the infatuation of delaying a purchase until you can afford anything it is that you're getting.
For an in-depth look at this view of finances, progress to www.daveramsey.com . YOu'll be really glad you did if you start listening to his show for a while or read his book (borrow it from the library so you don't own to spend any money on it).
Do I really call for a credit card if I am financially immobilize, including buying my own house contained by dosh?
Question:
Three years ago, I closed all of my credit cards and become debt free. I own a successful business, and only use debit check card if neccessary. I am financially knowledgeable of buying a million dollar house in dosh..Should I need to apply for a credit card? I've received countless offer, but I am not interested. My friends think I should, I am ominous at keeping tracks of payments and all. My interrogate is, if I can spend my money on something that I want without have to borrow the bank, do I still requirement a credit line?
Answers:
No, unsurprisingly you don't need a credit card!
In certainty, you sort of answered the question yourself. You enjoy a debit card that works essentially the same. You hold no need for one, and a friend advise you that you should get one doesn't deduce your situation.
You do seem to enjoy an admitted problem beside "keeping track" of payments. That's something you should work to deal beside. Particularly it is true when you have significant assets, which it appears you do.
The just purpose of a credit card, which is to fascilitate a transactiono, is fulfilled with your debit card.
Learn to direct your money though, or it will manage you. I recommend a course at "provident living" that may abet you.
You don't need a "credit line" if you own no need to borrow money. But if you don't govern your money carefully, you may find that it disappears faster than it comes surrounded by. To preserve your wealth--learn to manage it.
No you do not obligation one.
But if you plan on doing any internatioanl traveling then yes you will stipulation oneas most places only tolerate you hand take a small amount of cash.
if you hold the cash to buy it lacking credit then i wouldn't take a credit card. Since you aren't good next to payments and are debt free and credit cards are the opposite of that.
Some businesses, resembling hotels and rental cars, require a CC number for the purposes of holding a reservation.
You could get one only for that purpose, and never use it as a charge device.
Paying everything in currency is not that convenient sometimes, when you are in a strange town or country, for example. But, obviously, if you do not travel much, it's OK.
Yes, you need to enjoy a credit line and a credit history, the easiest approach is to have a credit card, use it sagely and pay it stale EVERY month, you could get a credit card for the business that pays you subsidise a percentage,or gives you incentives, they are the better credit cards to hold. We pay our credit card sour every month and maintain a excellent credit rating, as I am also a millionaire, through working smarter to attain this status. Best Wishes!
It can come in handy if you want to do things close to rent a car on leave, instead of leaving a sizeable cash deposit, or if you want to buy things online lacking using money orders or cheques (and some places don't adopt them anyway). It's good to enjoy as emergency credit for an unseen expense. Just get into the obsession of paying off the total balance respectively month and you don't need to verbs about payments.
Cool beans for you.
You can be as rich as Bill Gates, but simply have money does not build a credit history. You may feel you don't inevitability to build credit - but no credit history is just as desperate as a poor one. Circumstances change - money, businesses, and nouns all come and run. You may one day entail a credit history for something. Just sayin'.
A credit card isn't inherently evil, it's just a business of how you use it. Debits cards might be fine for most things now, and without doubt better to use rather than accumulate debt, but it's a good conception to have ONE credit card for emergency and possibly for an emergency line of credit if you suddenly stipulation 10000 or so fast. Just save it put away, not in your wallet.
NO! Of course you don't requirement a credit card! Nobody really does. If you have amassed that much change legally you are markedly much smarter than your moronic friends who insist that you need a credit card even though you know you abominate keeping track of payments. On what planet do they think you would want them. Have these clowns (sorry, I mean friends) progress to www.daveramsey.com and get an coaching about finances. Maybe they'll be rich close to you someday! What I want to know is how did you get to be so abounding and yet still own to ask this question. Come on! You're smarter than that!!
What is the minimum information needed to verbs someone's credit, next to their authorization, logically?
Question:
Answers:
Their social security number, and a signed document that say you are allowed to pull it, a business license, and some brass to pay for the credit report.
You don't stipulation anything else.
I've included the link that tell you how to pull someones credit report from Equifax--one of the three focal credit bureaus. The other two bureaus are equally accessible. This is how they make their money!
Typically you involve name, SSN, and some sort of endorsement of identity. If you pull it online, the bureaus will ask you to verify items on your report surrounded by order to craft sure who is pulling the report.
You can pull adjectives 3 bureaus online for FREE at http://www.annualcreditreport.com... This is the only path to do this (once per year) and not have to compensate for a "credit monitoring service."
you can not check anyone's credit without their consent
What is Salute credit card by Visa's phone# & email/address?
Question:
I applied for a Salute Visa credit card and recieved my card in the amil. It told me to letters in $20 dollars to get hold of it activated and I did. NO RESPONSE? The phone # supplied to me contained by the letter does NOTHING
Answers:
This trellis site has abundantly of information, but the activation process on all credit cards is vastly simple. You call the number and the card is activate. Have you tried it an ATM machine?
THE PHONE # IS 1-877-846-0043..
THE E-MAIL ADDRESS IS ...
WWW.MYSALUTECARD.COM
Hey, I own this cards address.
www.MySaluteCard.com
but to get a replacement card you should christen 1877 846-0043
I recieved the card in 8 days, salaried by autodraft and was well-mannered to go after five days. charged a box of cigs on it to ensure I wasnt going to be embarrrased anywhere.
Watch the fees, this card fees are a whomper. use it merely to report to your credit.Good luck!!
Here's the number...1-877-846-0048, website is www.MySaluteCard.com. Hope this helps you out.
What is the best method for a 18 year old-fashioned to establish credit?
Question:
Answers:
bank sketch, open ONE credit card, pay packet that off contained by full, each month, etc. it'll slowly build up.
Get a credit card, but dont compensate the payment sour in full, a moment ago little by little. Pay over the minimum but less that the maximum, and you will slowly build your credit.
jump to a local department store and rrequest a card. They will give you a small inhibit. then get regular payments. don't run up the bill.
You can "piggyback" on someone else's credit. What my parents did was request secondary authorized user cards for me on their credit card accounts when I was 16. Of course, I never used them. I didn't even know going on for them until I was 18. They cut the actual cards up, and they be the ones who used the accounts and paid them stale. I just get the benefit of having that record on my credit report. You might ask relatives with well brought-up credit to do something like that for you.
You can also build your own obedient credit as well. I did this, too. After I graduate HS, I opened a secured credit card near a $500 deposit, and that was my gasoline card. I with the sole purpose bought gas with it and I remunerated it off every month. (About $100/ month). After one year, I stopped using it (it be fully paid bad, just didn't use it). I get another card, unsecured this time and did the same entity. Don't ever cancel cards you don't use, though. Just wage them off and one and only use them once a year or so.
It really takes time and hard work to build good credit, but it's so worth it. By age 23 when I graduate college, I had fitting enough credit to start my own business. I plunked down my business plan and $5000.00 of my own tricky earned lolly and was graned a business loan for $275,000.00
Get a card near a small limit - no more than roughly speaking $500. (This way if you max it, it won't assassinate you to pay it sour.) Then use it regularly for small expenses - like gas for your sports car or something like that, and preserve it paid current. As long as you hold the account current - significance pay it prompt, every time - and keep any set off on it fairly low, you will build credit.
Read this article on how to build credit from gash! It covers all the basis.
Statute of Limitations for debtors?
Question:
Question for my sis- She had some credit card debts charged sour several years ago. She opened them within 2001, and thought the SOL was up by in a minute. We live in Kentucky, SOL is 5 years, which I told her is 5 years from the final activity (payment,etc), not when it be opened.(Is that right?) She said she later paid within either June or July of 2002, she have her son in August 02, and she know she didn't pay that month or any after. She be served a civil summons yesterday (6/15/07) and was given 20 days to respond. I told her to earnings it and be done with it. However, presently I'm thinking that if the SOL is 5 years from her last contribution and she last rewarded in June or July 2002, couldn't she hang around until about June30th, next send a dispuite via certified e-mail, and request substantiation of the debt? It would take them probably at lowest possible a week or two to respond, and by that time it would be mid- July. If it was within fact July 02 when she final paid, when exactly (what date) would the SOL be expired? The 31st?
Answers:
You are mixing concepts, but vitally you are correct. The SOL is extended when you make a allowance within the innovative SOL. If your sister hasnt made a payment contained by five years, she wouldnt have a problem. With one exception. If she have been served past the statute expired, the SOL defense will not stop the lawsuit. Creditor has to collect OR FILE SUIT inwardly that time. That does not mean that she cant win the defence. Often, when asked to produce proof of payment, the creditor simply doesnt hold it. Especially when it's a collection agency
Are you sure the SOL in KY is five years? That's loving of a long statute. Anyway, depending upon the amount of the debt, it may be in her best interest to reward it out.
EDIT: You must understand; if the suit be filed since the SOL, she MUST answer the complaint or she will be defaulted. (Actually, if you dont answer she can be default even if were not.) KY probably have a "general denial of adjectives claims" answer. And she could probably raise the SOL as a special defense. However, if it isnt done properly, she risks the kismet of being default. Substantiation of debt and tactics resembling that are not going to keep her from self defaulted. If you are going to clash this, it is IMPERATIVE that the complaint is timely answered.
I would ask this question at www.creditinfocenter.com here are lots of great people in that helping others clean up their credit. I am doing it near, asking all sorts of question.
Credit card debts are considered open accounts, so for Kentucky you are correct that it is 5 years. It is 5 years from the date of the closing delinqency. That is the time starts from the last time she missed a wage. Even if her last return was contained by June her first delinqency would be in July. All that matter is that they file in the past the SOL expires even though the actual court date may be farther past the SOL.
If she think she is close to the SOL in her response she should not own to the debt but just request endorsement on the date of her delinquency. If they can not provide it or give one i.e. May of 2002 or before she still may enjoy it dismissed.
If they do validate it, consequently she should talk to them in the past the court date and see if they will accept any settlements. Usually at this point they are going to want close to or adjectives of the full amount as well as contained by 1 or 2 lump sum payments. Once it goes to court and if they acquire a judgement against you, what leverage she would have is roughly gone.
Credit Repair?
Question:
I have pretty fruitless credit, actually more approaching really really bad credit and I'm coming into to some money and I'm going to use it to earnings off my bills. Now, I already know roughly speaking keeping a card open, but adjectives my credit cards will be paid bad and I will have still outstanding my sports car loan and a student loan. How long before my credit starts to receive better?
Answers:
Well, it depends. If you have have Charge off's (write off's) they stay on your credit reports for 7 to 10 years. If you had common lateness, it stays on for 2 years. Bankruptcy is 7-10 yrs as well.
Steps To Repairing And Building Credit. Hope this help
Don't pay past its sell-by date all your credit cards to zilch. Pay them all bad to a balance of 20 bucks. And hold on to using them - and paying down to 20 bucks. Once the payment is made and it is reported to the CRA's your rack up will take an IMMEDIATE fly upwards. Always keep credit cards below 30% of credit restrict. Keep the oldest 3 open. You can discharge off and terminate the rest. Get a tri-merge credit report. You can dispute anything that is planned as a late pay-out or 'Derogatory Trade.'
Some on here will try to tell you that nought can come off of your credit report explicitly legitimate. Not true! Those folks stipulation to get a opening writing speeding tickets at the Indy 500. You most certainly can benefit from disputing the meticulousness of your credit report, whether or not it is a legitimate item. Sometimes they can't touch the burden of proof laid out in the FCRA inwardly the allotted 30 days.
Good luck to you!
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Car expenditure examine?
Question:
Less than a year ago I bought a car. Since afterwards my financial situation has changed dramatically to where on earth I have doubts if I will know how to pay for it or not. This might nouns naive but is in attendance any way I could simply say I considered necessary to return the car and not be liable for the remaining payments instead of waiting for the inevitable which is my not self able to reward on it?
Answers:
Definitely call the loan company. A lot of times, they'll work beside you. At the very smallest, what can they say. No. That would loose change nothing within your situation. So it doesn't hurt to ask.
Depends on how much is left owed, and the present merit of the car. Contact your nouns company and ask.
When you buy something and are on a financial schedule next to them (a bank), you owe the money. You don't get to return the item usually. What is the blue book worth? Will you even get plenty money for the vehicle if you sold it (to the dealer or private party) to wage off your loan?
And if you lease it, you'd be breaking the contract. They can sell it for you on a lease, but if they provide it for $3K and you owe $6K, you are still responsible for the remaining $3K on the same recompense schedule more than credible.
If you don't keep your payments, you are not with the sole purpose risking your vehicle, you are risking your credit/credit score. That will affect you for years.
Next time buy a sports car that is cheaper so you can get hold of it paid stale in time.
The short answer is yes, if you return the sports car to the dealer they will lug it back since it's the collateral on the loan. But that does not aim you're off the hook for the remaining payments. What they will do is auction the coup¨¦ off and doesn`t matter what the reaminder is you are liable for. You can't just bring it hindmost and say to them sorry, I can't wage for it. You might even think around selling it yourself but you would have to pay envelope off the entire loan back the title is released.
Inquire about refinancing the remaining match and explain your concerns. It does not hurt to ask.
Auto finance is what I do for a living and you want to call your lender A.S.A.P. and see if you can work something out because if you consent to it go subsidise they will sell it at auction for smaller number then it's worth and come after you for the stability plus all fees for the towing, storage, auction,interest and lawyer.
This could amount to several thousand dollars and if you don't pay they will nick you to court and get a acumen at that point they can attach bank accounts, trimmings wages (if your State allows it) and file liens on any other property you may own similar to cars, boats, land and homes.
Add to this that the repossession and the ruling will show on your credit for 7-years making it very complex to get any other type of loan in need making huge down payments, paying large fees and State maximum interest rates and you originate to see why you do not want this to happen.
Call your lender and work this out presently before it get worse.
Please note that you will not find "kudo" points on your credit score for doing a voluntary repossession versus an involuntary one.
This is one of the fundamental reasons that it would be learned to buy a car that costs even smaller amount than you can normally afford. Furthermore, I wouldn't buy a saloon unless I had a cushion contained by the bank of at smallest one and 1/2 month's salary surrounded by case 'ish happen.
And selling the car is not an chance because you don't have the title and you enjoy to pay the remaining harmonize to the finance company within order to attain it.
Your last remedy is to do a WORK OUT arrangement with the nouns company where they may be capable of reduce payments for approaching three months and then return put a bet on to normal, but if you don't even see yourself affording the vehicle in the long-term, than adjectives you can do is chalk this up to experience.
If it still has wearing clothes Blue Book value on it (www.kbb.com) and the utility of it is more than you owe, sell the motor privately for AT LEAST what you owe on it - if the "private party" value of it is more (kbb.com will report you.) try to sell it for more - next go repay off the loan and use anything you have vanished to get a cheaper saloon.
It's not like a shirt you bought that doesn't fit, you can't return it. But, if you stop paying on it or can't take-home pay on it, you'll have bigger problems if it get repo'ed.
My sports car is getting repo'd, Willl I still owe any money on it? Or do they lately bear the sports car and my?
Question:
credit is ruined
Answers:
They will sell it and you will still owe the difference between what they can flog it for and what part of the loan be still outstanding.
Don't worry roughly your credit score for in a minute. Don't go to one of those credit repair places. Go to the library and borrow a copy of Total Money Makeover by Dave Ramsey. Go to daveramsey.com and listen to his radio show - also for free- and seize some sound direction to get subsidise on track with your finances. We have 2 car loans and give or take a few 30G in credit card debt that we be able to settle up off surrounded by less than 2 years because we finally get scared adequate to do something about it. Now we can sleep at dark. Dave Ramsey's stuff is great and you can follow the steps without have to buy A THING from him. He was a millionaire surrounded by his twenties and went insolvent...lost everything. So he knows roughly money stupidity. Give it a try. Hunt around the site a little bit and really, READ THE BOOK! It's a hurried, fun read.and actually especially encouraging.
If there is a go together left after your saloon is sold, you will still owe that money. Your credit is not ruined but will be seriously ill.
you will still owe on it. Don't permit them take the vehicle. Call the bank you took the loan out threw and work something out. They do not own to take the sports car! I repeat they do not have whip the car! Do not furnish them the keys!
If your sports car is a purchase, you probably have a right to redeem inwardly a certain time. That ability if you can afford to make up the payments, they hold to give you the saloon back. But if you cant maintain up the payments later, that's not a devout decision.
In most states, yes. You will hold to pay the stability in what is call a "deficiency perspicacity." Depending upon how aggressive your lender is, it can lead to taste liens, garnishment etc. Somoeone mentiioned calling the bank to work something out. If you havent tried that, do it.
^^^^Nice commercial^^^^^^^.
Auto nouns is what I do for a living and what will happen is the lender will put up for sale the car at auction for smaller quantity then it's worth and if within is a balance disappeared over, they will come after you for that plus all fees for towing, storage, auction, interest and lawyer.
This could amount to several thousand dollars and if you do not pay them, they will lift you to court and get a shrewdness at that point they can attach bank accounts, side dishes wages (if your State allows it) and file liens on any other property you may own similar to cars, boats, land and homes.
Add this to the reality that all of this is going to show on your credit for the subsequent 7-years making it very concrete to get any type of loan lacking large down payments, huge fees and State maximum interest rates and you originate to see why you should not let this take place.
Don't bother with trying to withhold the key to the car. They will repo it anyway, and the cost to own duplicate keys will be added to any result against you. You will owe the balance between what you owe on the coup¨¦ and what it is sold for at auction. They will also charge you for the repo costs, storage, and towing. You are best off to try to find a buyer for this vehicle BEFORE it gets that desperate. Sometimes finance companies will work beside you in this admiration, if you willingly submit to a lawful judgment for the not as much as amount.
Do not despair! You can still repair your credit! It's free and legal. Check out the site below.
GOOD LUCK!
after they repo it they will trade it at a car auction and doesn`t matter what is left to clear on the loan you will be responsible for. and yes your credit will be ruined.
Where can I find a site that will make available me my credit win for free and not ask for credit card information?
Question:
CREDIT SCORE, not credit history and so on..I did find out that I was sent a credit card and didnt even know it...Anywho, how can I find out my creidt win because my credit report doesnt specify unless I pay a payment. And I dont want that.
Answers:
There is no free site. The credit score is an extra charge on annualcreditreport.com. On the other free sites you must sign up for their service and nullify later.
Since credit companies are required to grant your report free annually they make it up by charging a crazy amount for a evaluation that cost them nothing.
You can not attain your credit score for free. Any site that claims otherwise (like freecreditreport.com) is a scam or have strings attached.
how do you expect for them to give you your report beside out info!?
They all charge money for your score. Myfico.com has a 30 read aloud free trial and you can get your fico from Equifax, but you still own to put your info in in attendance. When they ask you if you want to join or not after 20 say you just articulate no thanks and they don't charge you.
Has anyone in fact used and succeded beside the Statute of Limitations contained by their defense?
Question:
Answers:
If the S.O.L. has expired? It make no difference what type of debt it is there is nil anyone can do legally.
They can not sue you and achieve a judgment, the single way anyone can collect is if you agree to pay envelope them.
The Statute of limitations on what exactly? What type of case?