Collection Calls

I am receiving collections calls for someone I do not know who gave my phone number out as hers. 7 just last evening! My husband and I have tried to explain that we are the persons of record for the phone number for the past 30 years and have no idea who this person is. Of course they don't believe us. What can we do?

credit card liability

Do heirs have to pay the credit card

debt of a parent who dies?

debt company,

I have a debt company that has sent me notice in Jan. for a debt that is mine. However , after providing all my expense and income information, the payment amount is an amount that I can't afford. I informed the company and I have offer a payment amount taht I can afford. Unfortunately , they didn't accept that amount. I now have received a letter from a lawyer stating that I have til 04/08 to pay in full or they will take legal action. I am not sure what do to at this point. I am going to sent a payment with a payment letter and a payment on 04/03/08. I am not sure what to do at this point, and am looking to some help. Also, I thought about bankrupcty, but i financed a used car and don't want to afftect that. Any help would be appericated.

Default on home loan

Like many others in SoCal, I am getting close to the date my Jumbo ARM raises my mortgage payment to the point I can't afford it. What are the consequences if I just stop paying my mortgage and let the mortgage company take the house. I have been paying interest only for 4 years and I have 0 equity, so even if I could sell it for what I owe (which is doubtful), I would likely still owe money for repairs/ closing costs, etc. Will my credit be ruined forever if I default?

medical bills

52 yr. old self employed carpenter. heart attack 9/4/07. no health insurance. no real property. no assets other than tools and equipment of trade. $52,000 medical bills, $15,000 credit card bills. barely able to pay costs of living and buy food. work in MI very slow. tried for social security, but not really disabled, and don't want to fraud the government. don't want bankruptcy for fear of losing all my tools that i worked my whole life for. do i do nothing and wait to be sued? have numerous bills from hospitals, cat labs, ambulances, heart surgeons, etc. can't even afford to send all of them a small monthly payment. please advise. i fear that time is running out for me. thank you. Tim

Ex-employer ows me money

Hello,

Worked for this transportation company for 7-8 months as over the road driver. Left after I gave them more than a 2 months notice.

They still owe me over $4,000. It's been over a month. They would not answer my phone calls.Left them a voice mail several times. I suspect the company is somewhat shaky and they might file for bankruptcy anytime soon, if they haven't already. So what are my options, is there a hope to get my money? Thank you.

Letter from collection agency

I recieved a letter from a collection agency involving a cell phone I never had. Went to court the case was non suited( I thought it was dismissed). This was in May,1996. The cellular company had an attorney I advised him I never had a cell phone nor did I authorize my information to be used to obtain one. It is now 11 years later and now they are trying to collect even after going to court. According to the statues I have found on any written contract it has a 5 years if the account is still open or from the last 3 charges/payment. There was never a judgement issued. I was under the assumption it was done at that point. But I guess not. What about the years that have passed and the statues regarding the time frame issues.?

Expired Judgement

An apartment complex got a Summary Judgement in 1996.

A renewed judgement in 2001 that expired in 2006. Six months later I recieved a letter threatening legal action. I contacted the court and was told no legal action could be taken, as all Limitations expired.

Creditor is now calling 2-3 times a week and refuses to stop.

Do I have any recourse? I never knew about any court filings until 6 months after case was closed by the court.

wage garnishment

what is law state when a creditor wants to garnish wages? legally what are my rights and how long do I have

Co signed a motorcycle loan

I cosigned for a motorcycle loan for a friend. The bike is no longer ridable (accident). I haven't heard from my friend in months.The loan co just called and said he is 4 months behind in payments. What are my options? I have a job and a loan for my bike which I have been paying on time. My credit is good. Help?

wage garnishment not mailed

My employer has been taking out of

my pay child support

garnishment($208-bi-weekly) for

over a year. I have just discovered

that although he has been taking it

out of my pay, he has not been

sending the payments into the

State. Can I go to jail, or get in legal

trouble, for his not sending the

payments in?

pet damaged property

my pet ran into a car and dented the door. there is a leash law. that was less than a week ago. since then the lady has gotten, police report, estimates and contacted her ins. co. three days later she was at my house threatening my kids that she was going to have warrent taken out on me. she is also trying to get in touch with my land lady. what legal action can she take. can i get her for harrassment or get a restraining order on her? i'm unemployed and own nothing.

furniture

If I had a inhouse account with a furniture co. and found myself in a financial bind and couldnt continue to make the notes but asked if I could refinance and they turned me down but now Ive been served with some papers for the 2700 balance which was 8200 plus 1500 in iterest how can I answer to this? I have 30 days. Can I just give the stuff back that I added on? Am I stuck with this amount? Can I make an agreement on the principal and not the interest?

cival

what is a trustee process to obtain funds?

Deceased husband's dental bill

My husband passed away two years ago and I was left with no money to pay his bills. I have always worked and continue to try and support myself. Any credit card accounts in his name only were written off by the crediters. The question I have is am I obligated to pay off his dentist bills for his dentures? It's about $2000. Our account was in his name and when he passed they put it in my name.

Gym fees Financial

I'm trying to leave a health club and to leave its finance department keeps on adding on fees upon fees and it has come to the point that I have refused to pay any more.

One of the areas that have been a problem is that the company had been taking money from my account without my permission so I had placed a stop on the account and now the company would like to change me for this also. I have kept all the paper work and tried to even keep record of my phone calls, but I just do not know where I stand legally and wish not to be taken advantage of any further.

Am I now in trouble and will my credit now be ruined?

Debt collection

When a credit card company sells your account does it change the statue of limitation?

Medical bill

After 3 years a local hospital is claiming that we still owe $1,100 on a surgical bill which they've just billed us for out of the blue. We had no idea we owed it and we're not sure it's valid. Employer insurance company has changed and hard to determine validity of claim. Can they report us to collection agency and affect our credit?

Medical Bill Judgement on Credit

My husband and I live in SC. We were notified of a court date for a medical bill. We called the provider (a local hospital) and set up payments before the court date. We are making the payments on time every month. However, our credit reflects a judgment for this bill but we never went to court. Can we have the judgement removed?

Being served by constable

When a constable tries to serve you in the state of PA do you have to tell who you are. Do they make you show idea and what power do they have and can they arrest you.