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Penny Hays Cauley

Penny Cauley’s Answers

82 total


  • How do I get false creditor reports off my credit reports?

    I have two creditors filling false information on my credit reports. How do I get them removed ASAP. I have disputed this and it didn't work. So i need another option on what to do now?

    Penny’s Answer

    Send in written disputes with any documentation that you may have showing that the information is false. Mail the letters to each of the credit reporting agencies by certified mail and be sure to include your name, address, date of birth, social security number and phone number on the dispute. If they incorrect information is not removed, you should contact an attorney.

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  • Just asking. I found our my baby daddy put a car in my son's name...what can I do

    Do I need to get a credit report??

    Penny’s Answer

    You definitely need to file a police report on the identity theft. if your son is under 18, you may have a difficult time obtaining a credit report on him. If you get the police report first, you can send that to the credit reporting agencies and that may take care of the credit report issue.

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  • What can I do about a collector coming to my job repeatedly?

    I have been paying on a violin for almost 2 years. The past few months have been hard financially and I haven't been able to keep up with payments. First the calls started to my cell and then to my job. I have since starting working at a different...

    Penny’s Answer

    You should definitely send a letter demanding they stop calling and visiting your job. You should also file a complaint with the SC Department of Consumer Affairs on the harassment the company has inflicted upon you by repeatedly calling and coming to your job, as well as threatening you. If those 2 actions do not stop the calls, you should contact an attorney.

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  • How do I stop them from reviving the loan? How to get it off my credit?

    I have the original amount and dates I was sued from and original company and at which dates it was charged off and satisfied. A few months later Someone picked it up almost double the amount of the original. I was told to call them to update file...

    Penny’s Answer

    If the original debt was satisfied for less than the full balance owed, the remaining amount cannot be collected for a new party. If the debt was simply charged off, then the debt can be sold to a 3rd party for collection. However, in SC, the statute of limitations for which a company can sue you to collect is 3 yrs from the date of last payment. If the debt is about to come off your credit report, it is definitely over 3 yrs old. You should contact an attorney for more specific information.

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  • Multiple Debt Collection calls in South Carolina

    What justifies contact when it comes to debt collection calls? I know the law limits the number of times you can be contacted by a single collector in a 24 hour period, But what about debt collectors that call you 5-10 times a day if you don't ans...

    Penny’s Answer

    There are state and federal laws that protect individuals from harassing debt collectors. Your friend should contact an attorney directly for further assistance.

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  • What do I need to do about identy theft and how do I get these people off my back?

    I'm a victim of identy theft. I have pay day loan companies calling me and telling me that I need to pay back the loans or there going to take me to court. What do I need to do? So far there has been 7 to contact me. These were all done online ...

    Penny’s Answer

    You need to file a police report immediately. Be sure to list all 7 of the companies you are aware of. Also provide the email address and identity of the person who committed the crime. You should also contact the credit reporting agencies and place a fraud alert on your credit file so that it will be more difficult for new accounts to be opened. If the pay day loan companies continue to call, tell them to stop, file a complaint with the SC Department of Consumer Affairs and contact an attorney.

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  • This has to be a HIPPA violation. I have gotten nowhere with the police (who StubHub will only give info to)? What do I do?

    I highly suspect that my debit card information was taken from a medical facility and used to make a $382.75 football ticket purchase. On 10/27/2015, I went to Accurate Diagnostics in Spartanburg SC for a drug screen for school. I had to give my p...

    Penny’s Answer

    Have you notified your bank of the unauthorized charge? Upon notice to the bank of the unauthorized charge, the bank is required to return the money to your checking account. If you notified the bank and they refused to return the money to your account, you may have a claim against your bank.

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  • What do I do, it says I have 30 days to answer the complaint in the action. Should I file for bankruptcy? will I have to repay?

    Hi, Recently separated from my husband of 35 years. I'm working 2 jobs to to make ends meet. I have only a meager car and a small savings. I was served with a summons (collection action) non-jury for credit card debt that was never paid. My hus...

    Penny’s Answer

    I would not recommend filing a bankruptcy unless you have more than the $20k in debt. Bankruptcy stays on your credit reports for 10 years. You should contact a lawyer about the lawsuit filed against you. SC Legal Services can help you for free if your income qualifies. If not, there are other attorneys who can help. If you have received any harassing collection calls, you may also be able to bring a counterclaim or separate claim against the entity that sued you. Don't give up. There is help available.

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  • What legal action can l use against them for accessing my account without permission?

    A business saved my bank info after over the phone payment and they processed a automatic payment one year later without our permission

    Penny’s Answer

    There are specific requirements for a company to electronically withdraw money from your checking account. If you did not give them permission and the company did not send you something in writing at least 10 days prior to the withdrawl to inform you that the payment was going to be taken, then you should immediately notify the bank and request your money be returned. You will also need to contact an attorney to look at claims you may have against the company who took the payment.

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  • What can I do to protect myself and how can I find other accounts that may have been opened? Is it considered forgery?

    My spouse has opened charge accounts in my name (my name only) without my knowledge or signatures and has also opened other accounts (comcast) without my knowledge and has overdue charges and late payments on these accounts.

    Penny’s Answer

    You should immediately request copies of your credit reports so that you can determine how many accounts have been opened in your name and with whom. Then you can send in dispute letters to each credit reporting agency regarding the fraud and notifying them the accounts were fraudulently opened in your name without your permission. You should also put a fraud alert on your credit files to help prevent any future accounts from being opened. Ultimately you may have to file a lawsuit to have the accounts removed from your credit and taken out of your name.

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