What can I do about this?

In general, the original creditor does not have to give you advance notice before sending your account to a collection agency, unless your...

Can the family member do anything to stop the debt collector?

Sounds like a possible violation of the Federal Fair Debt Collection Practices Act. You should consult with a local consumer attorney as you and...

Will CC co's agree to extended no/low interest payback plans, longer than 5 years? If so, would this impact future BK filing?

Repayment and settlement arrangements will generally not impact your ability to file for bankruptcy. Depending on how much debt you have and your...

I took a dpa for a cc fraud case that was a mis.. now I cant get a job because they say its showing up as conviction..

Seek an employer that is understanding to these types of situations. Most financial institutions and positions that include fiduciary duties are...

There is not much you can do at this time. Unless the creditor, their investigators, or law enforcement makes contact with you, there is no...

If the wife was not a joint cardholder or an authorized user, she may have lacked the authority to agree to the charges on the credit card. It is...

I received a debit card from a family friend and purchased a meal with her permission along with pin # can she press charges

Consult with a criminal attorney if you are facing a criminal matter. From your description, it sounds like you had authorization to use the card...

Collections never sent the initial 30 day notice, but claim they sent it a few days before I paid the original creditor...

Not every collection agency is a reporting entity. I don't think the collection agency would have any reason to report the item considering you...

Under the Fair Credit Reporting Act, the dealership would need a permissible purpose to pull your report. You should dispute the inquiry with the...

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My lender put me down as 120 days late i was supposed to put me on deferment. I have had a fico score and cant buy a house

In general, if a person is 120 days late in payment, then it would be accurate to report it as such. If you are entitled to special treatment for...