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All right I got what is the general tendency here, I'm not for it.

I did what in my opinion is right, you don't like it and you are the owner or at least one of the moderators of this site so...

So at least one of the accounts still inside statute. To my knowledge the best thing to do at this point is to send validation request to both original creditors and collectors, the chances are they...

In NYS SOL for credit cards is 6 years.

213. Actions to be commenced within six years: where not otherwise provided for; on contract; on sealed instrument; on bond or note, and mortgage upon real...

In order to see other ways to vacate a judgment please go to https://www.askmehelpdesk.com/bankruptcy-debt/account-seized-238125.html I gave you an answer there.

You call the Clerk of Court...

Hi, how long since your last payment? Most creditors use not to settle for less than 80% until the last minute before the charge off, this is six months after your last payment, few creditors won't...

Ways to vacate

- No service

- Unable to appear in court (Be creative, Give some good excuse you can prove)

- Amount excede usura limits (Check state laws, you can get them here almost every...

If the account was closed by consumer and paid it must be an error or a scam, make it simple go online straight to the BBB and attorney general consumer protection office and file complaints against...

Yeah, it use to happen, sounds like typical junk debt buyer stuff, you try your best to pay them even thoug they never lent you any money , they see it is easy, they start to play nasty and try o...

You both just don't get it, usually I always recommend to keep your money but this time trust me go with the 570 it will save you trouble in the future. She didn't say pay off she said charge off...

It is the same thing over and over, people don't read.

Call the bank and ask why you account is seized, they'll give you a reason and probably a court name. I don't even think that your account is...

A little over 600 won't do. You are looking at a subprime loan putting the car as collateral and at least 20% APR, No cheap unsecure personal loans under 680 that I know of.

No, it is not, they are helping this guy to conmit fraud, just sue them. The same moment he sent that fake contract if you have the original you got'em.

No, you first put together as much documentation about this guy as you can, send it to the bank saying that you are going to sue the guy and the bank if they don't do something.

Inmediatlly...

I would keep everything separated, they can't touch his wages, his accounts or his house but the shared bank accounts is a different story, also they could go after the house if your name is on the...

Since nobody else got this one I'll try to give an answer...

I think it deppends on what kind of disability payment you get, the amount and state laws I should check it out in lawfind to be sure...

Probably not, deppends on your state laws but I don't think so.
Even if they can the only thing you'll have to do is keep driving that car until is ready for the junk yard.

Ok , so they didn't file law suit yet, or there is not court date. Did you get any court papers, summons, or discovery request?

Send them a debt validation letter asking for proof of their claim...

Wait a minute, a law office? How long since your last payment?

Ok...
Are you still current on your payments?

If not, when you made the last payment? Do you have already some account in collections or charged off?

Wich cards do you have?

Could you get...

You do have a credit report, it contains only inquiries but the firs time you apply for credit the CRA opens a file on you, even if you are declined all those credit applications are now in your...

Check this out, The Credit Pulls Database. It will tell you who pulls what, when and what score you need to get aproved

Credit Pulls Database


I think you need to register for free with a...

The fractional allowance that the banks have in the United States of America is 9:1 or was not long ago it changes over time check that out with reliable sources and then tell me whatever you want to...

Sorry altenweg, I keep my savings in gold certificates and european shares, not a loan guy, I have some money invested in prosper and looks like I going to loose it... all because people like me...

Still don't have it got to go down.

Yeah, you got it, the bank only paid 1600 but the moment that factory give you the car in exchage of the new money, those 6400 are backed up with something...

Well Amura that won't happen anytime soon even if you win the lottery tomorrow an pay the whole thing off. They want to keep messing with your credit ratings. Once you are late a few months you are...

Shoot altenweg I don't have it, I'm only an engineer, I build things to keep it running I can't create money out of the thin air like a bank.

Only way I could lend you a million dollars is if I...

Yup, call the collector only one time, don't pay anything over the phone, don't give them any info just state the facts, they are collecting on the wrong account number you already paid the card and...

You shoul consult with a lawyer in your state about that, I can tell you that I believe that here in Lousiana also a community property state the banks can not touch the house if you are not in the...

If you are selfemployed don't have assets, bank accounts or a house in your name you are absolutely judgment proof, just make sure the credit card companies and collectors know that.

They can...

It shoul be illegal, the economic system we have, that unlimited grow, unlimited expansion,fractional reserve system is going to send straight to hell the whole thing sooner or latter unless we...

Well, to be honest I must say that I don't give a dam about the little green things, smart people will listen regardless of the color if what I say makes sense dumb people are hard to help anyway....

Yeah he is right, try to keep them from filing a lawsuit and play dumb at least until they sell the account to a collection agency, if you plan to eventually pay the whole thing off then make some...

It is Capital one... Not a good idea to go with te charge off, that bank is pure evil, if you do that they going to keep reporting that account as CO for the next 7 years wich it will kill your...

That's your opinion the way you think it should be, the fact is that there is nothing in the FCRA or anywhere else criminalizing the dispute of information accurate or not, if you know better please...

Ok, I got a better offer. You go to Debt Consolidation Credit Counseling Free Credit Reports Increase Your Credit Score you start reading the stuff you'll found in there and any problem or doubts you...

Sure, no scores only free reports but as many as you want, not only one a year ike they want people to believe.

The various CRAs tend to hide the free online access. For example, the Equifax...

The real issue about credit repair companies is the price, they usually ask for 600 dollar to repair somebody credit but there is no way to get the job done right and make a reasonable money by hour...

The only way... You will have to convince them, one by one, that they will get more money dealing with you and taking a settlement than sueing you and getting a judgment or selling the account to a...

Well I had deal with that mandatory binding arbitration scam a couple of times before, when they came for me, and a few times more helping other peope. Nobody have to go into arbitration unless that...

SSI stands for Suplemental Security Income, is a monthly government check for a maximun of 637 dollars, they can't touch that. Any other pension like 401K or retirement plans can be garnish in some...

You'r right, they never do it though.

Ok then... If they call you one more time begging for money then you can sue them, I'd like to see a collector in court trying to get the judge to believe...

Do the same thing, if the judgment gets vacated you can lift the bank levy right after.

If the only deposit in that account is her SSI they can not touch the account, if you can prove that they...

More info is neeed to give you some solid advise, your personal circunstaces usually are not taken into consideration by the judge, also any regular payments or verbal agreements you made does not...

I guess you can, if the bankrruptcy is not listed and happened 8 years ago then all the acounts inclued are to old to be reported, I wouldn't mention that bankrrupt anymore just dispute the accounts...

Yeap too late now, pay your taxas and start disputing the accounts with the credit reporting agencies, since there is no more money for the collectors in there is not likelly that they are going to...

It deppends on how long ago he made the last payments, if those debts are out of SOL to file bankruptcy now would be foolish.

Carl.-

Before you do that or anything else, how long ago you made your last payment on that account?

Carl.-

If your only income is Social Security SSI and you don't own a house or other assets you are pretty much "judgmet proof" they can sue you but they won't get anything out of it. Never heard of any...

You file with the court and then send a copy to the attorney. In your motion add to what Scotgem said something as "Even in the event the plaintfill produce evidence of the existence of the alleged...

Why just don't send them a Cease and desist telephone communication letter and forget about them, then if they call you one more time after receiving your letter you file suit in small claims for...