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Recent Collection Agency questions

Currently I'm residing in USA, I have few amount of Debt in

Hi currently I'm residing in USA , I have few amount of Debt in my credit cards , not sure whether I can pay my entire bill before I leave the country . Will it cause any issue for me in my home country whether Credit card company can have the collection agency in my home country .

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Whitney, Esq.

Attorney and Counselor at Law

Juris Doctorate

196 satisfied customers
I recently got divorced and got stuck with all the credit

I recently got divorced and got stuck with all the credit card debt, over $55k. Now being on a single income I'm burning through my savings account just to make the minimum monthly payments. I've never been late on a payment and have always had good credit and I don't want to file for bankruptcy, cause I'd have to do chapter 13 cause I make to much money to file for chapter 7. I looked into the credit card debt relief companies, but really don't want to go delinquent on my credit cards while they try to settle with the creditors. So, my question is, I got a phone call from a company who says they can do credit card debt dismissal. Where they get all my credit card debt completely dismissed, I guess they file some paperwork for the collection agencies who purchase my debt from the creditors stating prove that I owe what I owe and I guess the creditors don't give all that info to the collection agencies, so it gets dismissed. They also state that they get the negative marks on my credit report removed after the debt is dismissed. I obviously have to go delinquent on my cards with this program as well and would have about a $600/month payment for 30 months, compared to $1400/month for my minimum monthly payments. Have you heard of this type of company and is it legit or can debt not get dismissed like that and this company is a scam? Thanks.Troy

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Texas Atty

Juris Doctor

35,746 satisfied customers
Credit Card Debt vs PERSONAL LOAN (LENDING CLUB;PROSPER)

Credit Card Debt vs PERSONAL LOAN (LENDING CLUB;PROSPER) DEBTHello .,I lost my job and I am not able to make payments on my Debts,both Credit Crad Debts and Personal Loan Debts(Prosper and Lending Club).Question:How long after being first time PAST DUE,can credit cards sue me for the debt owed to them?Is it different for Personal Loans?Can they sue anytime OR they MUST,by Law,first try to collect,then selling debt to Collections Agencies?

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legalg

Juris Doctorate

13,796 satisfied customers
I have a creditor, I am referring to schedule e/f in

I have a creditor, I am referring to schedule e/f in bankruptcy, if I have a creditor, a collection agency who is suing me. my original debt was for $10,000 and they have added fees and interest and they are suing me for $21,000 my question is should I add them only to part 3 of schedule e /f? Or should I add them to part 2 and part 3 (which is what I did). I have the original debt, which was sold, listed in part 2 already.

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Terry L.

Partner

Doctoral Degree

2,866 satisfied customers
I was taken to court old debt from discover, and a

I was taken to court for an old debt from discover, and a judgement was given in favor of the debt collector. This judgement was given in somerset county New Jersey. I began to pay the debt until I learned that there was a previous judgement on the same discover debt in Bronx new york several years back. The collection agency stopped the collection procedures due to Res judication or something like that. I had paid about $1200 dollars before learning that they should not have Gotten the judgement due to previews judgement. Now a different law firm/collection agency is trying to collect the same discover debt. They sent me a letter at my mothers house in ellenville NY stating that although the debt has a statue of limitations on it I still must pay them, and I should call them to make payment arraignments. There was mention of the previous judgements or payments. What can I do to get them off of me with this recurring debt that seems to around to every debt collector in the area.

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Roger

Litigation Attorney

Doctoral Degree

33,582 satisfied customers
I am being sued credit card. I must respond to the demand

I am being sued for a credit card. I must respond to the demand letter by tomorrow. I owe the debt and can pay it in full within 15 days. What do I do if I have to respond by tomorrow but don't have the money yet?

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Christopher B, Esq.

Attorney

Juris Doctor

5,320 satisfied customers
I have a company who says they can reduce my credit card

I have a company who says they can reduce my credit card balances. They do this by having me not pay my bills so it goes to collections. Then they work with the collection agencies to validate the debts. I guess it's hard to actually validate so the debt becomes invalid. I pay a monthly fee to the business (Non-profit) to pay for their legal work etc. They also say it doesn't affect my credit but actually goes into excellent status once the program is done. I was extremely skeptical but I checked BBB and they have several positive reviews, no negitive ones and A+ rating. Is this all correct or am I being scammed?

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Roger

Litigation Attorney

Doctoral Degree

33,582 satisfied customers
I married a man who has credit card debt from s deceased

I married a man who has credit card debt from his deceased wife. We live in Florida and now it's at a collection agency. Since we are now married, am I responsible for this debt as well? He says he has not idea that she had this debt.

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mmdesq

Attorney

Doctoral Degree

942 satisfied customers
Wife had Chapter 7 discharge within the last month. She has

Wife had Chapter 7 discharge within the last month.She has received a few collection notices prior to discharge as well as after.I understand the violation that has occurred and I have intentions of seeking counsel to file complaints against them all (there were five)... my question is:Does the agency trying to collect the debt have to have been alerted to the BK? The one in particular I am referring to wasn't notified of the BK because we didn't know of the debt. Is their sending of a collection letter grounds for us to file a complaint against them as well?There are actually two letters for two different charges from the same law office... would they be treated as two separate violations (assuming these two would count).

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Texas Atty

Juris Doctor

35,746 satisfied customers
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