crefit card balance

I recieved my statement and noticed that my intrest rate went up 50% I have never been late, always paid more that min. amount due. when I called the company they did reduce my rate back to 7.9% but told me I was not allowed to use my card until my balance was brought down. If i did use my vard my rate wouls then go back to 15.99% is this legal?

assumption of debt

My daughters husband still owes for his student loan (obtained before marriage) and back alimony from his previous marriage. If he should die or if they divorce, do these two debts become her responsibility? Also can she purchase a home on her own credit and in her own name without using his name?

Accord

itwo parties agree on a written payment plan for a debt; when the first check is presented as agreed, then check is rejected by debtor (bad faith), does creditor still owe debt?

I have borrowed some money to my friend?

i lent $4000 to a friend and by word of mouth they would of paid in me in full by mar 07 but they have not i do recieve monthly payments of 100 dollars. but i have advised they must pay me off several times can i still sue them for the balance in full

Homestead Deed

what is a homestead deed ?

Reasching a collection attorney profile

I did some researching on the collection attorney that filed suit and they make about 1 to 10 million and they sent the application for default judgment overnight and it had the incorrect date I have no assets and my paychecks are below 309.00 I am considered a judgment proof?

Small Claims Court

I am being threatened with a small claims suit. I made a poor decision and was convicted for shoplifting last December (at Target in California). I did not end up with any property.

They (a Law firm in Alabama) are demanding $500 for Civil damages. If I don't pay, they are threatening to sue for legal costs + the civil damages.

Can they sue for legal expenses? Doesn't a representative from Target have to present his/her case in California? Finally, can they sue for damages while no property was actually taken?

Please, I am very concerned and need help.

Thank you -- Jonathan

Cosigning on a loan

Is there any way to get out from under a cosign. Signed for a student loan for our daughter-in-law twelve years ago. She now owes almost doubled the loan and we are just finding this out. She divorced our son two years after the loan.

Check of another's credit card balance

Is it illegal for me to find out by phone the balance on my 21 year old daughter's credit card. She gave me the credit card number a few months ago so I could make a payment on it to help her out and I of course know her social security number.

Delinquent Student Loans and Future Earning Potential

I am a law school graduate with massive amounts of student loans from both the federal government and two private lenders. The time has come to begin paying them (and I have been paying back one of the loans from the private creditor), but with the amount of money I make now it is quite impossible to pay them what they want. I have not yet passed the bar exam -- hopefully I will come February -- and am living from paycheck to paycheck. Obviously, however, my future earning potential is high and I will eventually be able to pay the loans off. Can I negotiate with these people myself or will they only deal with my attorney? Also, if the loans become delinquent, can they file criminal charges against me? I think the answer to the latter question is no, but I need to make sure. Oh one more thing...can I ask them in writing to stop calling me at home AND work, it's to the point that I'm terrified of answering the phone.

Collectors are contacting my parents

A debt collection agency, who I do owe money to, called my parents home yesterday looking for me, and when they didnt get an answer, they called my fathers office. Can they do this? I thought with the Fair Debt Collection Practices they could only contact a thrid party in an attempt to reach me once. Is that right?

Mass Law

Can someone advise on Mass Law on the following:

I currently left the country with a debt around 4K towards a credit card, lets assume the bank will file suit against me and they get a judgement against me.

Does Mass law allow for the judgement to turn into an arrest order? Would i run the risk of arrest in case of returning as visitor to US?

Thanks

debt collection

i am going to court for a contract violation for not paying maintenance fees on a time share. if the case goes against me how can i avoid losing my house or having my wages or my bank account being garnished i am on social security and work part time to make ends meet .the amount i am being sued for is 5300.00. my wife and i have direct deposit for our social security i am 69 years old with a downs syndrome daughter who lives with me and a mother in law with early onset dementia.

Bankruptcy

I have asked this question 2 days ago but no one called me. PLease help me. I am in debt for about45,0000credit cards and meds. I only have disability income plus about 200 more a month for a small job. I have about 15,000 equity in my condo--will I lose it if I file bancruptcy? Until I can get well and get a good job, I cannot pay any of these creditors.. And I just got letters from 2 lawyers and I am so scared. PLease help me.

Judgments

Can a lawyer issue a judgment without going to court in front of a judge

Interest on judgements?

I have a medical bill from 9 years ago, after 1 year the hospital sent it to an attorney because, they told me at the time, any bills that take more than 1 year to pay they autimatically send. I made payment arrangments with the lawyer, and have been paying as much as possible over the past 5 years. I recently discovered that the lawyer is charging me interest and monthly fees. The principal was2104.91 I have paid 1590.00 but they say I owe 1974.23 now. I recieved in the mail a notice of hearing of indirect civil contempt. I have been paying as much as I can, but the debt is just growing. Can they legally be charging interest? The hospital doesn't on their bills. I don't have a job, no vehicles in my name or a home in my name. I don't have a checking account only a savings with $8 in it. Can they put me in jail? Is there anyway to stop the interest and extra fees they keep adding on?

reposesion

i want to voluntary get my car reposesed, i only owe about 2000 more than what its worth so will i get sued for the balance after they sell it. do u usually get sued for the balance left on a repo.

20%interest rate

I borrowed money from this person and she charges me 20% interest on every hundred borrowed each month but nothing goes towards the loan so I need to know what are my rights if I cant pay her the interest rate for the month she theretens to sue me + she charges 2.00 a day late fees she is a lender

Debt collection

On or about 7/1/1999 I purchased a car in SC. I used two checks, each for about $500 - $600 as a down payment to the dealer, both of which would be deposited at later dates (one on each of my next two pay days). The car ended up being MUCH more expensive than I could afford. Around 1/2000 the car was reposessed. Both checks bounced and never cleared. I am getting letters from an attorney/collection agency in SC now threatening to take me to court for the checks. Also, the vehicle debt remains on my credit report. My questions: 1) It is my understanding that there is a 3-year statute of limitations on SC for bad checks; am I still legally responsible for them or can I claim that the SoL has expired thus not making me legally responsible for them any longer? 2) Since 7 years has passed since the car was reposessed, can I file w/ the credit bureaus to have the debt for the cars removed from my report? Thank you in advance for your assistance.

Respectfully,

MGK

I have been served

I was just served in the state of NY county of Wyoming for debt for capital one. I was supposed to be working with them when my tax return came and instead I got served. What do I do next?