Archived
My credit score dropped 120 points because of paying 2 months late in a credit card. the reason was I changed my location.
Simon's answer
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Answered on June 13, 2013
I agree with the response of the prior attorney in the suggestion to call your creditor and ask if they are willing to forgo the late payment...
Archived
Need an attorney in dallas area to pursue settlement from a defaulted agreement is there some1 interested in case? serious only
Simon's answer
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Answered on June 13, 2013
You need to seek a 'debt collection' attorney, not a 'debt settlement' attorney. Use the find an attorney tool on Avvo.
Archived
I had a BK about 8 yrs ago and just received a class action settlement for $5k which went to the BK Trustee. Anything I can do?
Simon's answer
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Answered on June 13, 2013
Contact the attorney that assisted you in the bankruptcy filing, or call the trustees office.
Archived
When negotiating a debt what info should I give them?
Simon's answer
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Answered on June 13, 2013
If you are dealing with a defaulted consumer credit card debt with a balance under $10,000, then it seems unnecessary to share that information....
Archived
The interest rate on my car loan is much higher than what was on the contract. Can I cancel the contract?
Simon's answer
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Answered on June 13, 2013
Some states have a minimum cooling off period that allows a small period of time for a consumer to return certain items for a refund. The span of...
Archived
How does a voluntary auto repossession effect me?
Simon's answer
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Answered on June 13, 2013
If your vehicle is being financed and your car is repossessed, you will be liable for the deficiency balance plus whatever other costs the lender...
Archived
How do i know if I'm sued for my debt without a case number? how does payment with 1 creditor affect statue of limitation on all
Simon's answer
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Answered on June 13, 2013
A debt from one creditor will generally not have an effect on your rights on an account with another creditor. In regards to the lawsuits, here in...
Archived
Can my medical bills show up on my husband's credit report?
Simon's answer
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Answered on June 12, 2013
Only his debts should be reporting on his credit report, unless he is jointly obligated or an authorized user on an account with you. He should ask...
Archived
Getting a Credit Card for a 25 yr old.
Simon's answer
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Answered on June 12, 2013
Grandma's credit history should not have any effect on granddaughter's ability to obtain credit, unless she is applying as a co-signer. It is...
Archived
My mortgage company has negatively impacted my credit score and risk level through no fault of my own. Do I have legal recourse?
Simon's answer
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Answered on June 12, 2013
The Fair Credit Reporting Act describes the rights one has to accurate credit reporting, and also describes the process necessary to build a case...