http://www.askmehelpdesk.com en Fri, 20 Nov 2009 23:12:40 GMT vBulletin 60 http://www.askmehelpdesk.com/amhd_imgs/misc/rss.jpg http://www.askmehelpdesk.com http://www.askmehelpdesk.com/bankruptcy-debt/status-bankruptcy-417770.html Fri, 20 Nov 2009 15:50:49 GMT I attempted to file bankruptcy some years ago. I thought I never went completely through with it. How can I find out information about this? I am trying to buy a house and consolidate some debt, and a bankruptcy appeared. I attempted to file bankruptcy some years ago. I thought I never went completely through with it. How can I find out information about this? I am trying to buy a house and consolidate some debt, and a bankruptcy appeared. ]]> MMoore http://www.askmehelpdesk.com/bankruptcy-debt/status-bankruptcy-417770.html http://www.askmehelpdesk.com/bankruptcy-debt/just-got-served-being-sued-credit-card-debt-417704.html Fri, 20 Nov 2009 07:05:14 GMT I just received summon paper tonight, I'm being sued by American Express through Zwicker and Associates.

It says I have 30 days from when I was served to respond, which would be tonight November 19th. However, the date on the summons says October 1st. So what date would they go by?

And I admit I do owe Amex the money, and most of it is due to high interest rates. And I didn't pay it because I had lost my job, but the past few months I've been working and was going to intend on paying it. I just had to take care of other things first. But apparently it's too late.

Earlier tonight before the summons, I did make a payment over the phone directly to American Express. However, the payment didn't go through yet. And I'm not actually sure if it will or not. Because when I tried to call Amex's customer service I got a recording that they're no longer handling my account and that I need to contact Zwicker.

So I'd guess I'll check tomorrow to see if the payment went through or not. But will be calling tomorrow morning to see.

Also.. I know I have to respond to the summons. However is there a way to settle without going to court? I have no idea what the process is. And I'm trying to read up online considering I just received the summons earlier around 10pm.

What are my options? ]]> troubledinCA http://www.askmehelpdesk.com/bankruptcy-debt/just-got-served-being-sued-credit-card-debt-417704.html http://www.askmehelpdesk.com/bankruptcy-debt/can-trust-collection-agent-417641.html Fri, 20 Nov 2009 02:21:11 GMT Hi, My account just got transfer from one collection agency to another one. I was trying to negotiate a settlement for paying off just part of the debt. The first offer I got from the first agency is to pay $6000 out of a $20000 debt. The current agency offer me the same deal and I had offer... Hi,
My account just got transfer from one collection agency to another one.
I was trying to negotiate a settlement for paying off just part of the debt.
The first offer I got from the first agency is to pay $6000 out of a $20000 debt.
The current agency offer me the same deal and I had offer to pay $4000,
After that the agent told me that he need to submit my offer to the bank,
Two days after that he called me back and told me that the bank is willing to settle the debt for $8400. and that I should make a new offer in between.
How is it possible that this offer from the bank is greater then before?
How can I know if the collection agency work for the bank or own the debt?
How can I know if this agent is lying to me in order to get more money?
When should I expect a law suit if I will not pay it off? ]]> joniboy http://www.askmehelpdesk.com/bankruptcy-debt/can-trust-collection-agent-417641.html http://www.askmehelpdesk.com/bankruptcy-debt/collection-calls-417581.html Thu, 19 Nov 2009 22:13:45 GMT I have several debt collectors calling me daily. Some leave messages and some don't, I don't respond. Should I be answering these calls? ]]> jbrad36 http://www.askmehelpdesk.com/bankruptcy-debt/collection-calls-417581.html