A server moved out a summons higher than my mailbox, am I legitimately binded to it?
Question:
Last night a server go knocking at my mom's door, my sister told him I did not live here. The server left, and this morning my mom found a court summons for me on an OLD debt. Am I rightfully binded to respond now, since the summons be not signed for and was not here at my moms front mailbox? Hopefully I'm making sense, since I've only have 2 hours of sleep... Thank you in advanced...
Answer:
You might check the following knit to see if the service was proper or not for your state
http://www.megalawserve.com/states/rules...
You might also walk to the court clerks office and request to see the database. Carefully look over the service papers, see what the put in within for the service. If they claim to have hand it to a person etc.
Regardless of how you be served you need to answer the summons within the time allowed to prevent them from getting an automatic default verdict.
Since you say this is an weak debt, find out if you are out of SOL (statute of limitations)
http://whychat.5u.com/states/states.html...
(follow the link on the bottom of that page to find more links to your state statutes)
If you are out of SOL, include Affirmative Defense of SOL contained by your answer.
File a counterclaim on them for filing on a time excluded debt. If they are reporting on your credit reports and are reporting inaccurately, had violated your rights contained by any correspondence they have sent you, include those violation in near your counterclaim.
You were not properly served. Unless the server can show that you received the summons (e.g., video of you picking it stale the mailbox), you're not bound by it.
However, that doesn't mean that you're past its sell-by date the hook. At some point, you will be properly served. You'd be better off in recent times answering this summons, rather than getting into a examine of whether you were properly served or not.
You're largely not legally bound. You may be a target of "sewer service" where the process server leaves the summons surrounded by the mailbox or tosses them in the sewer and signs that affadavit that it be personally served.
The receiver is not required to sign for the summons in must jurisdiction and is rarely asked to do so. The process server signs a sworn statement that they properly identified you as the soul named contained by the summons and personally give you a copy or attempted to give you a copy.
If the process server signs the affadavit attesting to proper service, the court will give somebody a lift their word for it and the case will proceed against you. If you fall through to appear, the creditor will get a failure to pay judgement against you. You could appeal that but proving improper service can be terribly difficult.
However, there are constant types of service that are sufficient if left at the closing known address of the being being served. Evictions are an example of this. Normally a suit for recouping of a debt would require personal service. Consult with a local attorney to see what the directive says within your case.
Yes because you own seen, read and own the summons. They would not have not here it there if they believed you. Better to respond consequently to have a warrant out. Deal near it before it get worse I dont know what kind of debt we are discussion about but if it is a creditor you can other settle just state your number they will work next to you they would rather own some money than no money. If you have to rate the full amount then pay cheque it. May take 10 years or doesn`t matter what but at least your paying it. Can be $5, $10 what you can transport as long as they are receiving funds they can't do anything. Stop putting it past its sell-by date. Don't ruin your credit.
This is a catch22 for you. Legally, no your not bound to the summons as they cannot prove you got it unless the serving officer lied and made a notation that they served you individually or forged your signature. On the other hand, they could enjoy waited for you or someone to come out and retrieve it and snapped a photo of that. Typically near are two people involved, one who does the serving and one who serves as a witness. In the shutting down it will be your word against theirs and you will lose. Anyway, its in your best interest to initiate it and see what it says. Evidently a debtor is file a petition with the court for judgement against you for the debt. If the debt is yours and they gain a judgement, they may get approval from the court to seize assets or attach wages contained by order to wage for the debt. If the debt is not yours, you will need to own solid proof that the debt was not yours or your responsibility, and progress to court and defend yourself. Further, depending on the law in your nouns, what court it is and what the charges are for, you may be required to appear and if you fail to do so, the trendsetter can issue a bench warrant for your arrest for contempt of court. Yes, this legal stuff get very messy.
can duplicate accounts stay on your credit report even if it have be transferred to another creditor.?
Question:
Student loan was transferred to another creditor but both accounts are still on my credit report. The same article happened next to a credit card account, It be purchased by someone else but both of the accounts are on my credit report.
Answer:
Its very adjectives for duplicate accounts report on the credit report even after they are transferred to servicing, especially student loans. It generally doesnt hold a negative affect on the credit as it is noticeable that they are duplicates, if this concerns you, send a dispute message to the three bureaus asking the duplicates to be removed. a good website to stop by is www.myfico.com
Yes, the account stays on your credit report. The creditors put on the market your information over and over again. This is considered inaccurate information on your credit report. This can be disputed. I own a credit repair company, if I can be of any assistance to you in recent times let me know.
onpointcreditrepair.com
Yes, I enjoy had accounts on my credit report even though they own been transferred TWICE...so a total of 3 entries. They only just stay on. I never worry around credit report entries as long as they say "transferred" or "remunerated off", or "closed".
I no longer feel impossible about mortifying credit checks and I never get decline for credit. What I did was I go to http://www.creditreportzone.info... and entered my info and get my credit report restored. Try it out, you won't be dissapointed.
Who is the number one credit card company within the usa?
Question:
Answer:
The #1 major credit card sign is VISA. Mastercard is #2.
Of course, Visa and Mastercard are issued by many different bank and financial institutions. If you're looking for the #1 credit card issuer-- I believe it's Citi Bank. You can find their credit cards here:
http://www.asapcreditcard.com/citi-cards...
Chase Manhattan would be close behind. You can find them here:
http://www.asapcreditcard.com/chase-card...
Hope this help. GOOD LUCK!
My guess would be Visa
Number one in what? Screwing general public over? Probably AmEx. Number of cards issued? Probably Visa. Number of junk communication letters sent within a year? Definitely Visa (Capital One, particularly). If you are looking for a "good" credit card, I will save you the trouble: There are none.
My mother??
Question:
when you apply for different lines of credit they ask for your mother's maiden name??
Answer:
It's a financial guarantee question. Not abundant people would know your mothers maiden identify.
If in the adjectives somewhere down the road, you forget your password, they ask you your mothers maiden name to prove it's really you back they go hand out your password to strangers.
security reason
sometimes this is done for account financial guarantee. IN that way, when you nickname up to inquire of your lender, they can ask you for this information to verify who you are.
for security question that you can answer if you have to ring up in ..
to identify you if needed. not to frequent identity thieves will know the answer.
they ask you for your mothers maiden dub just for in the order of every tihng you register for.. all securty reason.
this is a security grill only, you can decline and tender a different type of security base question,,
apt luck
your father wouldnt be appropriate would he.
In part for description identity, and in member to verify your identity.
its stupid but they use her maiden name to check the status of your family's credit history. I guess they contemplate that all moms are thieve or whatever
Chase charging me two nouns charges surrounded by one month?
Question:
Hello everyone. I recently reviewed my credit card and I found out that Chase be charging me a finance charge twice? Is that average or should I call them and ask them whats up? I other thought that you only bring back charged once per month.
Answer:
I believe you're talking give or take a few double cycle billing which is legal, at most minuscule for now (there are clean hearings contained by Congress where nouns about this practice be made, but I wouldn't hold my breath on things changing so with alacrity if I were you).
It's possible to be in somebody`s space two charges. One is the interest on the previous balance if it wasn't compensated in full by the deadline. The second charge is imposed if you salaried late, after the deadline, or remunerated less than the minimum expenditure or did not pay at adjectives. So, the first charge is interest and the second type is some sort of penalty.
Chase is the one trying to sew me perchance we should file complaint against them
Is this flawless credit?
Question:
Experian--no credit
Equifax----726
Transunion--655
So do I have well brought-up credit or bad. What would be my gain?
Answer:
Well usually what they do is take the one contained by the middle that's weird that you don't hold one with experian.. BUt they lift the lower one in this valise 655. Which is still good..you could find a credit card, or loan. Let me know if you ever need one..lol
Don't know how you get scores this glorious without at lowest possible one Experian. Your middle score is the one usually used for credit purposes, so yours would be 655. It's not impossible. You still could qualify for 100% financing with some lenders.
Yes it is, although your Trans is unusually lower than Equifax. Usually it is higher. Just formulate sure u pay your bills on the dot and limit to have people verbs your credit and it will go up.
Your Experian chalk up should be in the mid 600 reach you are fine. Get cards down to under 40% and dont stop old cards and you should see illustrious 600's on the bottom score and close to a 700 mid inside several months. Remove all incorrect info from your credit report. You own pretty good credit right presently and it will improve as long as here are no lates and a minimum of high balance on cards.
Re: $70 harmonize open 05/2002 states ancient due 30 days remunerated, closed and current w/ neg items on report?
Question:
never had funds one bk account 517805213006 formerly, revolving?
Answer:
https://annualcreditreport.experian.com...
you can dispute items for FREE using this site ive had2 capital one accounts removed.
I would dispute it. I own these programs Coming Back Strong Financially and they have help me get stuff of my report. They own all the forms and correspondence to send. adjectives you have to do is print them sour fill them out and letters them in. They are okay worth the price to me. I think it be money well spent when I purchased them. I be a little afraid at first exact the do cost some. But these people know what they are chitchat about.
does anyone know of any lenders out in that who will look final lone 6 months?
Question:
on your credit in stead of a year.? im trying to acquire a loan for a house thankyou
Answer:
just get loans assistance from New Horizon Business, Inc
I have a amazingly poor credit and they have a program for my situation, i dont know beside you but might as well check near them
all the best
Probably not and most look put money on more than one year.
Fill out the free evaluation form at
www.totaldebtsolutionsllc.com
and we will have a loan officer nickname you.
How can you report to if a money gram is authentic or deceptive?
Question:
I got a money gram contained by the mail from someone. The mound said it was cyber- and held on to it. They told me that they would let me know surrounded by a couple of days after they look at it. If it's good that they'll agree to me know and I can cash it contained by. The lady that give it to me still insists that it's real. They give me copies of it, before they held onto it. What should I do? How can I find out on my own that these are genuine from the copies that I only presently have?
Answer:
The sandbank has the money gram and cannot present it to you until their investigation is done (it's the law, if you lift in a forge dollar, they are required to keep it, regardless of your innocence). Even if you somehow prove it legitimate, the bank will not offer you the money until they are sure they can collect. Wait for the results (they are protecting you also), then proceed. If you attain the cash, and it's found out to be fraud subsequent ( up to a year) you have to pay packet the money back.
Fax a copy to your State's Attorney General's department. They're trained to know.
SAD
Of course the lady that give it to you insists its real. The US million dollar bill within my pocket is real too. BTW, the US Treasury NEVER issued million dollar bills. If the sandbank suspects it is phony, I suspect it is. They see more in a month than you an I together see within a year. The best way to detect a spurious is the know what the real point looks like.
I own just now realised that my nectar points do not seem to be to be added to my explanation. My daughter notice tha
Question:
on recent shopping trips my balance starts respectively time at 0.
My card number is 98263000 67346193.019. My two recent expenditures were lb90.36 on 26 January and lb102.82 on 23 February, these are the individual two receipts I have, but I am a regular shopper at your Watchmoor Park Camberley and Farnborough Hants stores and enjoy held my card since the introduction of the nectar system. Please could you investigate why I do not appear to be accumulating the points.
Thank you
Answer:
Shouldn't you be sending that message to Nectar?
You would be best getting within touch with the company themselves. Not using a nectar card, i wouldnt enjoy any ideas. I have a similar problem when shopping at Tesco and rang them and they sorted the problem.
i be told from a lender that near my credit individual 579 that i should hold no problem?
Question:
geting a credit card.but i am.does anyone know where i can capture one with no problem? and also closely of them want you to have a ridge account and i dont.
Answer:
have worked in credit industry for years ys you can gt a card but start out small.stores close to macys pennies,sears. when you compress out app dont leave any nouns blank. cards companies point score for respectively catagory so even if you dont have acct sucker off that you do. upon getting commentary, make mim more than they are asking for and your evaluation will increase, payments are graded on the amount you dispatch over the mim..you can also apply for a secureed card which means you income a deposit to the account when open, they will see how you maintiain the amount of credit given to you before increasing the splash. also you want ot pay attention to your rate. anything over 14.90 for firest time card holder is elevated, remember when you revolve a balance it is assested by the rate every month for your f/c charge. so the broad rule of thumb is what ever you charge that month try to pay bad in full the subsequent month, and as i said before you will see your ranking increase...be cautious though it get real comfortable to live beyond your means beside the simple swipe or signature.
I would suggest not using credit. You will save seriously of money and hassle by buying what you can afford with the money you own, rather than using credit cards.
Also - the key reason one requests good credit is simply to return with more credit cards. If you don't use credit cards at all, you don't own to worry roughly who will give you one and who won't.
I do not niggardly to insult you or be disrespectful, but with that low a mark the only credit card you will be capable of get will hold a very high-ranking interest rate. Unethical lenders will take lead of your situation and charge you usurious interest rates because they know you have no choice. You're better bad waiting to get a credit card until your can bump up your score by paying past its sell-by date debts and paying your bills on time. Try to grasp a bank explanation - that way you can catch a debit card to use for convenience. It's a good place to start. Good luck.
The certainty is at some point nearly everyone has to borrow funds (to buy a house etc.) so if you want to store tens of thousands of your hard earn dollars over your lifetime its imperative that you improve your credit. Contrary to another poster, within are many extramural reason why you should work on rising your credit: Most employers will check your credit when applying for a situation, insurance companies use your credit rating to price your premiums etcso put credit repair at the top of your list of things to do over the subsequent few years.
With a score of 579 your likelihood of getting an unsecured card from a major institution are pretty slim. I would suggest you consider any getting a secured card from a major institution or consider a card from a second tier institution resembling Orchard Bank who will most likely submit you a small unsecured line or a somewhat secured line. Whichever route you choose do not get a balance on the card...pay envelope it off every month.
Does anyone know which would be the best Visa card that someone near discouraging credit could apply for?
Question:
I had alot of medical problems within the past that cause a disability and also ruined my finances. My credit has be improving for the later few years, everything is paid stale now, but within are alot of late payments on my journal.
Answer:
I have matching problem. I have applied for secured visa and mastercard from Orchard ridge and Bank of America. You will see a credit score bump up in going on for 3-4 months.
See Financial consultant.
Ask kin.
Review debts owed
See the 3 Credit agencies & get Reports.
Then redress Debts owed,
afterwards get unsullied card.
Make take sometime to take Record Clear.
Clear debts first.
Have 1,2 cards ONLY.
NO gasoline cards: 22% interest.
NO dept store cards.
Pay debts.
Clear debts.
It's easy, only just pay bread.
Medical bills are the most forgiven bills on your credit, so the fact that you salaried late is not fruitless. The fact that you salaried at all is dutiful. There are a few cards that I know of that help empire reestablish credit. They are, First Premier, My Tribute Card and Capitol One. You may start out with a caring of high interest rate and a low credit impede but thats ok. All of these banks enjoy websites and you can apply right online. Good Luck!
there are a quantity of sites offering credit to high risk credit. some evan to olden bankruptcy. check on the internet for credit card offer. these are on the internet all the time. check beside your local BBB better bussines bureu, before giving any information or applying to these co.s. some are O K and in attendance are some that are downright bad report, so do your homework when you do find an offer that you judge you like. be cautious on these offers, as nearby is phising that happens. check out the internet, but mind your Ps and Qs.
There are alot of scams and undesireable credit cards within the bad credit bazaar. Try the sites below for some helpful information to sustain you make a better declaration in choosing a credit card.
Start disputing the medical bills as not mine or never unpunctually. You will be surprised at how many will gain removed.
Good luck
First Premier Bank is a reliable card for those who are looking to get their credit backbone in decree and re-establish themselves credit wise.
Anybody can own a bad credit text. Mistakes do happen. But what we should do is not to repeat the mistakes.
Follow like peas in a pod advice when it comes to loans. If you enjoy a bad credit history, next go for a doomed to failure credit loan. It is a feasible loan pick to let you fulfill your financial goal. A bad credit history can include arrears, default, bankruptcies, County Court Judgments etc.
Usually, adverse credit loans are given as
Looking for a Mortgage loan 100% financing, 0 down?
Question:
Does anyone know any Mortgage Company that is doing loan 100% financing, 0 down to empire with a credit evaluation of 600-605?
Answer:
Honestly, with that win, you won't get a mortgage through a wall at a decent rate. I newly bought my house with 0 down though my local mound, so I know what the minimum credit score largely is (at least 650, but my bank said even that's pushing it).
You may try lending tree or eloan, or you can try FHA -- that type of mortgage single requires 3% down.
You might try lendingtree.com. If you are approved, you can expect a higher rate due to your low mark.
No not any mortgage companies, but if you step to this website they have a great deal of links to different places you might check into. You might want the programs they offer they enjoy helped me and they make clear to you have to buy a house beside no money down too. The address is below. The Coming Back Strong programs
Most lending companies enjoy some type of programs that fit you needs. Once a broker or a small lend company signs you, the mortgage is usually sold to one of the big guys. Citibank, Bank of America, HSBC hold alot of these. The original lender usually requests to just take you by the 1st payment. I would suggest you jump directly to these large lenders, cut out the middle man. Many of these guys don't pile it on subprime lending, but they will do it. I hold had abundantly of clients also be lucky with Countrywide home loans, they hold a division called Full Spectrum lend with angelic rates.
The problem with Lendingtree is they promise you the best rates up front, after when you go to sign the papers the rate is different. Many will charge $500-$1000+ to LOCK the rate within. Pulling a 100% mortgage you will have to pay envelope PMI, which can get pricey. I would stay away from short possession variable rates and intrest with the sole purpose loans.
Never do that even if some Mortgage company gives you 100% financingthere are some promotions that some builders own with mortgage companies when they enjoy a lot of unsold inventory..they usually puff too. But its better to rent than buy some thing this mode you invest no money and you build no equity toohope you get my point.
The best point is if you need a loan of $100,000.00 come up next to $10,000.00 and use your local bank to nouns another $10,000.00 as a second mortgage and a first mortgage from a second financial institution.ie $ 80,000.00 . That is you come up with 10% the guard with 10% and the mortgage company near 80% that is a devout way to do it . If you step in for more than 80% financing from a single company you will hold to buy mortgage insurance and you will have income for it with your mortgage and specifically a bomb.
Honestly you will be better off within a rented house rather than buying a house next to 0% down. This is obviously a great outcome and you have to infer that owning a house is every ones dream and you have to work on your credit ranking too.600- 605
Lenders specializing in poor credit and even post ruin home loans want to compete for your business, they are making very large profits and you are the looser.
This site has some kind loan information and you could find out if you would qualify. You'll most likely be approved somewhere near that credit score, but will reimburse a higher interest rate. Oh, you'll call for proof of income as well. Good luck! http://loan.divinfo.com/
Maybe you can try below website to go and get the information. It's about discouraging credit mortgage loans articles for your second opinion
georgia lend group?
Question:
has anyone hear of the georgia lending group and have anyone received a loan from them
Answer:
Haven't heard of them, but in that are so many mortgage brokers contained by Georgia (we are one of them). Shop your mortgage before you settle on any fussy broker.
Best of luck
Can a sandbank do this?
Question:
when i was married more or less 5 years ago.. I signed for a loan.. Co-signer... for my ex-wives car afterwards we divorced about 4 years ago.. and she stopped paying for the coup¨¦... the car get repo'd,,, anyway... I opened an side at Bank of America and the bank took adjectives the money out of my account.. and told me to kiss sour the account wasnt open when I was married.. can they justifiably take the money?
Answer:
Hmmm I work contained by Recovery (Bad Debt collections) and we are able to requisition bank accounts but we own to have a judgement first. Because this be thru the same wall I dont know if they have to own a judgement but I would suspect that if you were on the loan they own a case.. However, I would reflect on that you could escalte this thru the bank -- Call the corporate boss qtrs if you have to..You could hire an attorney but I suspect your best bet is to jump after your ex not the bank.
Yes, you're the co-signer and you owe the debt.
fraid so! tough lesson to cram!
no i don't think so enless they hold a good sense
Ouch! Yes, they can do that, sadly. They should enjoy warned you though, and given you a prospect to put it right.
Wow! This seems extreme. Had you received notice about the loan?
yes it can i have the same entity happen to me
Being a co-signer on a saloon note also finances that if the car is repo'd, the lender "must" convey the co-signer all of the required notice of the repo in a lawfully timely manner.
If they one-time to provide you with the notice, you are not responsible for the debt.
If you did not sign the "back" of the contract when you co-signed, you may not be responsible for the debt.
If the vehicle was repo'd and sold, creating the less, more than 4 years ago, the collecting SOL would have expired.
If a lawsuit be filed and you be named but not served, you might be capable of have it vacate for improper service
If a lawsuit be filed "after" the collecting SOL have expired and you were name but not served, you may also be able to own it vacated for person a time barred debt
If a lawsuit be filed and you be not named, you are not responsible.
Repo's negated the original contract so it would no longer crash under a written agreement but underneath the UCC for a 4 year SOL.
If the lender had sent you adjectives of the required notices, you have signed the back of the contract, if is still in SOL, or a suit was file and you were served but messed up to respond - you would be responsible.
Then it could be legal for them to get hold of the funds in your commentary.
If any of the "not responsibles" that I listed pertain to you, you might speak near an attorney about getting your money support.
edit+++
Steven F you are mistaken. You should read the UCC, specifically article 9, before you create claims that creditors do not have to provide co-signers next to the required repo notices (also contained surrounded by states RISA and MVISA statutes)
The UCC gives co-signers matching protection they give the primary signers - BOTH party MUST receive ALL of the required repo notices.
I am assuming the vehicle loan was beside Bank of America. As a co-signer on the auto loan, you are legally obligated to salary the deficiency on the loan. Even if the divorce rule states your ex-wife is responsible, that is NOT binding on the sandbank. When you opened the ridge account, you should hold received a booklet called "Terms and Conditions". A standard clause surrounded by those terms say something to the effect that any funds in their possession can be used to retribution any amount you may owe them for other accounts. In layman's terms, that mode the can do exactly what they did.
Unfortunately, the answer above mine is wrong. Creditors do not have to inform co-signers of anything unless they are suing the co-signer.