I have a garnishment judgement 7 years ago? what is the statue of limitations for ca?
Question:
i moved jobs and in a minute they found me i paid partly now is in attendance a limit or do they enjoy to start over in another court?
Answer:
The statute of limitations for judgment in CA is 10 years.
The statute of limitations for judgment in Ca is 10 years and renewable at 10 years.
If you have moved to another state, they would have to domesticate the perspicacity to the new state.
Is careone a virtuous debt consolidatation company?
Question:
I was wondering if careone is a apt debt consolidation company. I have 1 unsecured card thats in the order of $8000 in debt. Anybody know the best way to obtain out of it quick. I cant return with a loan at this point so~
thanks deeply!
Answer:
Try the below company. Home ownership is not required for loan consolidation
Can you settle a Discover credit card bill at Sears?
Question:
Answer:
yes you can .but then again that be about 15 years ago when i have a discover card and at that time you could do that and it would be credited that day
Go into Sears website or Discover website to find out
How does an independent contractor prove income when applying for loans or credit?
Question:
Is there something you can provide contained by addition to previous years' taxes?
Answer:
Invoices and duty returns and maybe a couple of dune statements should help.
Do you hold receip tot he customer when doing work.
last two years excise returns
Bank statements showing deposited payment cheques. Invoice and taking books. Copies of contracts. Any evidence of consistent work and income. Any contracts and quotes for future work may also facilitate. - Good Luck!
You can have your CPA draft a communication stating your projected income for the following year and the previous year. Or if you are applying for a mortgage you can do a loan with "stated income" buy your credit evaluation must be high to avoid subprime interest rates.
As an independent contractor they automatically ask for the finishing two or three years tax returns. I other provide a letter from my CPA stating my projected income for the current year. If your credit mark is high it won't be a problem. If it's not big I would suggest you get a "secured" credit card and start using it for small purchases to drive your credit ranking up.
I want a report on : Rewards Verification Center, 2400 W. Pioneer, Suite 210, Arlington, Tx.?
Question:
I have received a post card unfolding me that I am a winner surrounded by one of there promotions. Have you any reports on this company? Do you hold a rating on this company?
Answer:
If they ask you for money, a credit card number, bank depiction information or a social security number to "verify" anythingit's a scam.
Be sensible.
***
PSI just did somewhat more checking for you.it's just as bleak. The address is for a company that tries to sell time shares underneath the guise of "You are a winner".
Throw it in the trash..look for yourself:
http://www.koozie.org/2006/11/index.html...
***
If they ask for money it is a spend.
like some of them will speak you won a camera send 5 dollars shipping and handling. You carry the camera but it is about bubble gum electrical device quality, not worth any more than 5 dollars.
I live right down the street from at hand. It's a time-share company called Silverleaf Resorts.
How is interest on a civil judgement applied?
Question:
If you win a judgement against someone who is not paying up, how do you apply interest. Is it done on a daily, monthly or every twelve months basis, for example, let say 5000.00, and the soul does not pay until 6 months from in a minute, how would you tack on that interest?
Answer:
It depends on the state in which you live, the rate differs base on the state and it is done annually. If the person pays formerly a year has passed the interest will be added up each day from the time the judgment be entered till the time the personality pays. Some states differ. Call the court where the pronouncement is held and they should be able to relate you.
In my state, I believe the policy is a max of 12% per year compounded annually.
When you are granted an award by a judge, the defendant have 14 days to pay unless reward arrangements have be made by the court.
The moment the defendant departs from these guidelines and doesn't pay, you own every right to go rear to court and sue again. The new suit should be a total of the following:
the imaginative judgment (minus any payments made)
interest on the stability
any cost from making collection efforts
any cost of going stern to court a second time
The court will expect you to at least net an effort to nickname the defendant or write and try to collect whatever you can since going back a second time. (All cases own an expectation of attempting to settle out of court.) There is no expectation of accepting less than the pronouncement.
When you go backbone a second time, all you own to do is make a claim that payments aren't anyone made, and the defendant has the burden of proving that they be.
The judgment this time will be a court-ordered garnishment, and it might also include have the local sherrif visit the defendant's home and help yourself to whatever assets are available that can be sold at auction (I've never hear of this happening, but it's available contained by my state as a remedy).
The thing you enjoy to ask yourself is whether or not this is worth your time or expense. Some people are "shrewdness proof", meaning they don't enjoy anything to pay--people living on welfare or disability, people who enjoy no assets, homeless, etc.
Another kind of soul who is "judgment proof" is someone already maxed out on garnishments. Child support garnishments will thieve up to 50% of disposable income, and all others will appropriate up to 40%. These are maximum amounts, and if you expect to be in flash behind these others, you expected won't see any payment even from a garnishment for a thoroughly, very long time because the directive won't allow any more.
In this case, the best you could do is study your statute of limitations and draw it out as long as possible beside the second judgment or of late forget about it.
C.R.E.A.M, Cash Rules Everything Around Me?
Question:
C.R.E.A.M. aka Cash Rules Everything Around Me
Can someone explain this to me, I dont get it. Plz thx!!
excuse the category, it wont consent to me change it.
Answer:
it lately means no thing where you dance, what you do, money makes the world budge round, and it probably always will.
Has anyone used goshopping.com?
Question:
A friend of mine won a $1000 gift card for goshopping.com and I want to know is it past the worst to put your credit card number in here and do you really get what you buy in that. It looks to be so new I can't find any information on it. Please any aid would be great.
Answer:
No.
no man you dnt knw who owns da site
No unless it is a locked site it is not safe. once your information is on the net someone can get it locked or not
i will sy it again. if sounds to flawless to be true .. it is.
hay dude dt du it.
I wouold recomend you DO NOT put in any credit card info or personal info. Esspecially if you can't find any info on the site and it's not secured. You put any info surrounded by and your subject to credit card fraud and identity theft. DO NOT supply any info. If you have a contribution card to use, they don't need your other info, approaching credit cards from you. Be carefull.
No! Not safe! Scam!
no
No, Because you don't even know who are the owner of that site!
Charge bad Acct from 1995, do we owe it?
Question:
Hello,
My husband bought a TV in 1990 and never compensated on it (don't ask me why) from a store called McDuff. In 1994, McDuff file for banqrupcy and closed and in 1995, the collection be charged off. Now, on the 3rd light of day of Jan., 200712 years later.they call me and told me that he still owes this debt and he must pay it. It already come off his creditit conspicuously didn't hurt us getting our house 5 years agoplus, they tacked on similar to $300 on top of it. So the total amount is like $400 they are aphorism he owes. I'm not proud of my husbands past financial mistakes but does he really owe this debt and what can they do to us? Thanks!
Answer:
Dont' reward it. they cannot collect because the statute of limitations has run out. I have this happen to me and a attorney told me not to pay that they basically think they may win you to pay it. So, if they hail as again, tell them your legal representative said the statute has run out and they cannot collect. A lawyer will bestow you a free consult if you do not believe me. Hope this helps
Whatever you do, DO NOT PAY THIS.
The statute of limitations have run out - HOWEVER - there are some shady companies who buy really older debt for pennies on the dollar, and make their money by scare people into thinking that they owe money on debts that are LONG gone. If you transport them even a dime, the statute of limitations will reopen in some states.
You entail to get on the internet and look up a "DROP DEAD" reminder. Write this company a drop dead memo and tell them to find bent. Absolutely say NOTHING within the letter that "admits" to have owed the money. Flatly state that you do not owe this money and that they are to stop contacting you by any means whatsoever.
Do not be fooled.
Its a mystery how those collections thugs receive away with so much. Its species of like extortion. If you dont pay envelope what they want you to pay they will put it hindmost on your credit report and it just keep renewing like that. I've have a $412 collection keep re-appearing on my credit report too. I contested it at least possible 3 times and it gets removed respectively time because its not mine. Few months later it reappear. Start all over again. Thats be going on since about 1995 too. Too much prominence is put on that stupid report anyway. Just ignore it and them. Its a slop shoot. They erratically throw crap in in that and try to make a few more bucks bad us.
yea do not pay chwck your credit report every year though a short time ago to be sure
The fair debt collections and procedures perform has some interesting info you should read up on back responding to the collection agents mail or phone call. There is a statute of limitations on collecting of old accounts. Many collection agencies will compensate a few cents on the dollar for these old signed rotten accounts. If they can trick you into making a payment, setting up a repayment plan, or acknowledge the debt that statute of limitations time frame can restart. This is a very underhanded predatory practice and they get millions per year off unsuspecting victims. On the other paw we must also address the fact that when an agreement to repay is made, it should be honored. Follow your conscience but dont reward some predatory opportunist by paying them their stipend when recurrently the original creditor wont see any of what these scam artists form off of you. Heres a intermingle to a great article that covers this scam.
http://articles.moneycentral.msn.com/sav...
A link to the balanced debt collection and procedures act.
http://www.privacyrights.org/fs/fs27-deb...
And a interconnect to the state statutes of limitations regarding debts.
http://www.privacyrights.org/fs/fs27plus...
Some collection agency rewarded less than $1 for your article. You likely enjoy no legal liability to discharge it. You should verify that the statute of limitations has expired (varies by state).
If you dispatch them a cease and desist missive, then any further collection attempts by them can give them liable for damages.
don't pay these ancestors a dime, this guy saying paying a dollar would be extraordinarily dumb to do, if you do that it will re age this debt, really mess your credit up. send them a epistle to cease adjectives communication to you with this debt and report them it is outside of you SOL. send it certified. You inevitability to watch acouple of things, these companies that buy feeble debt are the most unethical society on the earth.
her is what to scrutinize.
Then re aging the debt and adding misc fees near that
Theating you with a lawsuit
contacting you after you sent the ceist and desist epistle
...
if they do that you can sue them and people hold.
First you need to check the statute of limitations for your state. I'm sort of sure that by now it have expired but these types of companies are betting that you don't know that and that you'll pay the debt anyway.
The status of limitations expires surrounded by a specific time period from the date of end activity (i.e. payment). If no payments own been made since the debt charged rotten then you should not even consider making a compensation...the debt is "dead" as far as the law is concerned.
After checking your state's statute of limitations you should dispatch a letter to this company advise them that you are aware of the statute and to cease adjectives communications with you. Keep a dictation of all call and a copy of all communicaes from them. If they verbs to harass you consequently you can quote section 805 (c) to them from the Fair Debt Collection Practices Act (FDCPA). You can find a copy of this federal achievement at www.ftc.gov/os/statutes/fdcpa/... If your husband has any other such "ghosts" contained by his past after you'll need to become really familiar near this act and the statute of limitations.
I took a Business Law class this summer and be told by my professor that the statute of limitations was (I believe) 3 years. If it have been more than 3 years since they closing contacted you, they can not collect the debt. Unless, YOU initiated the contact. DO NOT give them a penny.
Credit card debt??
Question:
if i close out a credit card, do you think it will effect my credit?
Answer:
Yes.
You better keep hold of the card and pay it put a bet on.
Good luck !
not sure, but I think credit is for the most part affected by desperate repayments of credit - try doing a G00GLE search to find out more.
It to a degree affects your credit score.
They look at your proportion of your credit strip and debt.
Debt shouldn't exceed 25-50% of your total credit line. (I'm not sure around the exact percentage.)
Here
think this process
Assuming you had debt contained by amount of $ 5000 dollars on one of your credit cards,
and you have a total credit row of 25,000 dollars (5000 each (totally 5 credit cards).
If you closed out credit cards that you didn't use and departed with solitary one that you used (the one you had a debt of 5000)
Then you have a credit line of 5000 dollars and debt of 5000.
Your debt is equal to your credit vein. That is not good.
However, you can regain your rack up after your debt is below 25-50% of your credit line.
If you enjoy had this report for a long time, keep it approachable - just stop using it. Destroy the cards. Credit history is one of the primary factors contained by your credit score. Of course, if near is a reported "ding" on that card, go ahead and close it.
If and when you close it, be sure to specifically request that the creditor report "side closed by consumer." It looks potentially bad if the creditor closes the narrative. Save a copy of the letter so you can dispute it subsequently if the reporting agencies don't get it right.
My baptize is on my sisters house title.?
Question:
My sister and her husband trw is so bad that they could not find their name on a house they considered necessary to buy. So they put down the money and I have my baptize on the title as my trw is perfect. I give them one yr. to clean up their trw. And gain their name on the house title. They clear the house payments. (late 1 day until that time final due date. The morgage co. always call me every month. I am afraid they are going to mess up my trw. This agreement of my name on their house be only for 1 year presently its been 3 yrs. I told them by June if they cannot capture their name on the house I will enjoy to sell it. Also my sister and her husband enjoy 2 children 9 & 12. I also own a condo which I rent out and I just bought my own home which I rent out bedrooms to sustain with my house transfer of funds. So legel I own 2 houses and a condo. What should I do? Should I sell the house, so I can acquire my life final. Agreement of 1 yr. now its be 3 yrs. They also gave me 15,000.00 to use my term.
Answer:
Bless your heart! Give your Sister a written notice that they must nouns the house in the subsequent 90 days. If they cannot give you a formal loan approval communiqu¨¦. NOT approval!! Formal loan approval, within 2 weeks, next the house will go on the open market at the end of 90 days. To be exact state the date May 15, 2007 the house will travel on the market next to XYZ real estate co. State the price that you reflect on that you will be asking. If the sales price allows you to trade name enough to pay cheque off the mortgage and fees and make a contribution them the $15K back you will. But you will just give them pay for whatever is departed over, no guarantees.
Get three local Realtors to go look at it and make available you the estimated value. Quote them the lowest price. Tell the Realtor that they should not discuss the issue with the occupant.
Send this in the nicest memo you can. But make sure that the date are firm. Then go forward near the best that you guys can work out. But under no circumstances shall at hand be an extension. If they can't do it now, that's not your blemish. Be ready to sort a couple of payments!!
Best of luck,
If it is just you on the title, I guess you need to inform her of your status and find out what your states eviction process is. You might be capable of sell the house, but if they don't move out it will be a problem for you here as well.
To grasp your name sour of the title or deed is unforced. Just file a quit claim work transfering ownership to them. The deed is not the problem though. What they obligation to do is refinance the house under their name so that you are no longer liable for the mortgage. I would help them as much as possible since selling their house. It might be hard for them to seize a mortgage but I gaurantee you that they can find financing.
On a more land lordish type of article...if you sell the house it doesn't close-fisted that the current tenant has to move. If anything it would be considered a month to month lease and the exotic owner would have to stir through an eviction process to get them to move if they didn't want too. A different owner will probably not want to deal near that type of situation, making the house harder to sell. I am not understaning how they could tender you $15,000 to do this for them instead of using that as a down payment on a house. (Unless you live within an area where on earth housing is just that expensive.) If you try to deal in you are going to lose your relatiohsnip with your sister though. The hill may call you, but as long as they are not tardy what is the problem? You could sell the house to them and be a haulier on the loan.
Oh Boy, you really got stuck trying to do a honourable deed! Legally, nobody really care why you did what you did for your sister. If you're name is on the title, you and singular you are responsible. Keep in mind also that the property taxes will be your responsibility too. I don't know what state you're within, but here in CA, if someone doesn't remuneration their property taxes the county can take the money automatically out of their sandbank account.
First things first, INSIST THAT YOUR SISTER PAY THE MORTGAGE TO YOU DIRECTLY. Without recounting your sister, pay the mortgage so that it is one month ahead. This route you will not be surprised by a non payment.
Have your sister recompense weekly to you, 1/4 of the monthly mortgage, FIRST PAYMENT IS DUE 7days after they have compensated the monthly payment. This will impart you room to work things out. Make the payments to the mortgage company weekly, this will save on interest and really gross things good. This system automatically make 52 payments a year instead of 48 and the four payments is 100% principal accumulated for a moment every week.
That makes 2 avenues you can do to control the financial risk. If you work near your sister and her husband, you will find a source to write them a mortgage is they have cleaned up their credit. You can write a second position mortgage for the ingenious down payment and any other equity to be precise belonging to your sister. Once the mortgage is approved and closing is done, the house is sold to your sister - your name is stale of it. YOU DO A QUITE CLAIM DEED FOR THE 2nd position mortgage, THIS GIVES 100% OF THE 2nd mortgage to your sister (equity).
E-mail me for help, click on my statue:
you name may be on the title, but who is on the loan?
you can quit claim the title aspect
but it's the loan you hold to worry roughly
if you sell, the untried owner has NO OBLIGATION to transport a month to month lease as it's not a apartment for rental correct? it' a house and thus if the house sold your sister and her hubby would have to move.
what you did is a straw purchase, prohibited in most states
Is near any statute stopping a mortgage broker from giving a client a copy of their credit, that they compensated for?
Question:
I was told by somone who works for a credit reporting agency that when FACTA (The Fair and Accurate Credit Transactions Act) come out back within 03 or 04, eliminated any restrictions that be in place that prohibited mortgage brokers and lenders from giving out a copy of the credit report. Any insight?
Answer:
It is immediately ok for companies to give their clients a copy of the credit report, but not adjectives companies are willing to do so. It is up to the mortgage broker, and some even charge extra. FACTA changed the rules governing 3rd group credit reports when it was introduced.
There are no restrictions against showing you the report.
You are also entitled to a FREE copy of your credit report from respectively reporting agency each year. You can make a purchase of it by visiting annualcreditreport.com. This is not one of those monitoring services, it is an actual, free report. The credit agency will try to deal in you other services (such as your score) along with it, but you can go and get each report categorically free.
As a rule I always trademark a copy of the report for the client. I go over it within detail with them to insure exactness. I also prepare challenge packages to to begin the removal process of anything reported the client feel is incorrect. The report costs me personally so justifiably I could make them reimburse me for it or not distribute them a copy. I don't subscribe to such tactics and own never had a client pinch their report and go elsewhere for their loan. I know they could, but nobody ever have, why, because I provide a higher standard of service than they will find elsewhere, spell. I also build their loans from the rate sheet they are looking at, they learn how loans are priced and why their rate is what it is. No bait and switch, no bs, and guaranteed prompt closing at 1.5 % origination fee including any rebate or its free.
Regarding those free reports from www.annualcreditreport.com I use them as repeatedly as possible in a credit cleanup process. Clients that aren't beneath a time constraint are very appreciative of this process also. I verbs the experian report to look for erroneous errors. We challenge those beside the proper challenge correspondence and pull the transunion report surrounded by 40 days. Most issues challenged are gone and next, and only afterwards, we pull a tri-merged, score report to begin their loan near. The non scored ahead of time reports won't lower their score. Most habitually I can now gain them a better rate loan as their score and title have superior and derogs are gone. Most lenders are focused on rebate and fees, my focus is on providing a superior level of service. I haven't have to advertise within over 17 years and can still originate, process, and amortize a loan next to a pencil and paper if needed to.
Chase Credit Card?
Question:
I applied for a chase credit card about a week ago, and they said that I hadn't be denied, but I haven't been approved any online. If I still haven't heard from them however is that a good sign, or a impossible sign? I've had discouraging credit in yesteryear and I just get everything cleared up on my credit report and i'm anxious to get my credit wager on up, so i'm hoping to get a bright credit card with a low fixed amount. Thanks!
Answer:
In some cases Chase take up to (30) days to decide. Even if you phone contained by your application on the (so-called) instant approval. Chase is not an easy card to get hold of, if you don't get it I would try Juniper cards, they are excellent and report to adjectives 3 Credit Reporting Agencies. Chase like to verbs experian (in my state) so apply somewhere that doesen't pull indistinguishable CRA as Chase
i hate credit cards. but u will prob return with notification in the e-mail soon as whether youve been approved or not
The top three Chase credit cards issued by Chase Manhattan Bank are Chase Platinum credit card, Chase Travel Platinum Visa and Chase Flexible Rewards Platinum Visa.
Chase Platinum credit card
This card’s introductory APR is 0%, which is available for twelve months, which is applied to adjectives purchases as well as symmetry transfers. However, the fine print states that after a review of customer’s credit history, 0% APR on balance verbs can be reduced to a period of three months. The regular APR will be 13.99%.
Chase Platinum is also a rewards earn card, so card holders earn one point for every dollar spent. Rewards can be for travel, gift certificate or purchases. Other benefits include $500,000 automatic travel accident insurance which is applicable even if your twist of fate happens contained by another country.
Chase Travel Platinum Visa
Holders of this card earn one mile per dollar spent. These points can be redeemed at airlines, hotels, for vehicle rentals and even for cruises. Awards are redeemable from over two hundred and fifty airlines.
You get twelve months introductory 0% APR on purchases and harmonize transfers. The regular APR after this introductory period is 13.99%. There is also an annual duty of Twenty-nine dollars to use this card.
The Chase Travel Platinum is a great choice for frequent flyers.
Chase Flexible Rewards Platinum Visa
Lastly, this card has no annual fees and starts stale with a twelve month 0% APR. The annual regular APR is 13.99%.
Your first purchase can rack up as much as one thousand (1000) bonus points (Conditions apply so read the fine print). Points can be redeem for cash, offering cards, travel or purchases at select establishments.
Chase Flexible Rewards also allows balance transfers from other cards.
To qualify for this card, applicants must hold a good credit rating.
To apply for these and other Chase credit cards at: http://www.credit-card-forums.com/chase
I moved- how can i find out if i be sued by a credit card company if i never changed my address?
Question:
the credit card company would not allow me to change my address because i be past due on my accounts. i newly need to know how to find out if i own been sued and if so if the court file default.
Answer:
You could name your credit card company and check your credit report too.
Your welcome.
You involve to check your credit report.
I don't see where a credit card get off describing you that you cannot change your address. If you move, after you have changed your address and they enjoy no say surrounded by the matter. I would transmit them to pound salt.
If they acquire a court judgment against you it might not show up surrounded by public records unless they docket it. Then you could simply look on your credit report and see the item timetabled under Public Records. Even if they do not docket it, the ruling allows them to then accessories your wages, sell the debt to a collection agency, and possibly even levy your bank picture.
You could always do a furrow in your county court house and see if any judgment have be entered against you.
This of late doesn't make any sense. A credit card company is going to want to know where on earth you are to try to collect any debt. Something just seem off kilter here. The best course to find out though is to go to your local courthouse where on earth you used to live and check if there hold been any judgements against you.
Either they lied to you or you lied to us. They can't send regrets to update your address when you move ESPECIALLY if you are past due. If you can prove they refuse to update your address, any suit they filed is invalid because they did not serve you properly. If they try ti serve you at the weak address when you have informed them you hold moved, they are guilty of fraud. Send a certified letter informing them of your unmarked address. If them try to sue without contacting you at the foreign address, you can have any perspicacity voided for improper service.
Visa offering cards?
Question:
I got this 50 dollar visa payment card for x mas and i tried to buy something online with it at americaneagle.com and i enter the number in and it said ERROR: the number you enter is not valid.
or something like that. is something wrong? isnt it suppossed to work online too?
Answer:
They are patently supposed to work online as well as within the store. Was this the first purchase you had tried to take home with it? You may enjoy to call the number on the support of the card and activate it in the past it is ready for use. Also, if your purchase be for more than the $50 amount on the card you may have to take-home pay the difference by another methold then try using the card to foot the remainder. If you have tried adjectives of this call the customer service number on the support of the card and let them know it is packed up for you to make your purchase online and they will pace you through steps of correcting the problem.
I don't believe you can use it online. You may have to bid customer service to use it at on online store.
it happened to me too...you own to enter in the exact amount explicitly on the card for the machine to spot it. for example..even if you were just spending 13 dollars, you have to put contained by the full card amount for 50 dollars
well i don't expect it works online i think it a short time ago works if your in a store or some place resembling that.
did you activate the card.
next to the visa gift card the amount you are spending have to be less afterwards the amount on the card. call the number on the put a bet on to see if they can tell you how to do this online
did you set off the card. and were it Say's Name As Appears On Card you put Gift Card that could be a motivation i used one on line i know you can use them on rank
I recieved a visa gift card for Christmas too, the little rag that came near it sent me to this website that you could check your balance near, as well as register the card.
When you purchase something online near a credit card it checks the address to make sure it's one and the same as the one that's registered with the card.
So read the card again, check and see if there's a number to phone or a website to register it online so you can make purchases online.
Otherwise you'll in recent times have to move about to the store and do it there.
Visa Gift Cards are the best and you can grasp one for free from
http://urlx.org/directtrack.com/f70d9... . All you have to do is stuff out the survey and you will receive one. I got my visa grant card from that site and it is working really well for
me.