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The CA's sure waste ALOT of paper writing up bills, for very small debts

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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Thu Dec 18, 2008 4:17 am  

The CA's sure waste ALOT of paper writing up bills, for very small debts. I ACTUALLY got a bill, from a CA, for $45.00. What kind of crap is that??
Doc

Doc

Joined: 02 Dec 2008
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Posts: 178
Location: McKinney, TX


1273 Magic Points

 
Posted on Thu Dec 18, 2008 12:02 pm  

Well, they probably paid about $.45 for it, so, virtually anything they make is profit... That's why they're so eager to settle...
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Thu Dec 18, 2008 3:18 pm  

Doc is right on that on SD. The older the debt the less and less they pay for it so some are willing to except a small amount to settle the debt. Usually it is already past the statute of limitartions at this point and a few cents made is more than they paid so they would not be out anything.
keisha
Guest






Subject: in debt
 
Posted on Thu Jan 15, 2009 3:01 am  

i;m in debt too and trying toget my credit right any know abouut pay day loan debts and if they can sue u
Justin

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 Magic Points

 
Posted on Thu Jan 15, 2009 6:27 am  

If you are already in debt and your credit score has already been reduced, you should start repairing your credit. It is a time taking process and you should have patience if you want to repair your credit by yourself. You can also go for credit repair companies, but it is very difficult to find one that offer good service. Most credit repair companies are scams. Even if you go through the Federal Trade Commission site, you will find that even the FTC recommends repair your credit by yourself.
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Justin
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30060 Magic Points

 
Posted on Thu Jan 15, 2009 6:41 am  

Yes, payday lenders can even sue you to the court and bring judgment against you to recover the debt. Now since payday loans have a very high interest rate, you should always pay it off first since you may fall in debt trap. Next, you should pull out your credit report to find out the creditors to whom you owe the debt. Send them DV letters to find out whether you actually owe the debt or not. If they can validate your debt, come to a repayment agreement and repay it off. However, before coming to a repayment agreement, you should make the creditor agree to PFD. This will help you to improve your score.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Thu Jan 15, 2009 1:22 pm  

If the payday loans are illegal (some are) and it goes to court could the poster get a better deal from the judge? Would the ddebt still be legal to collect?
Justin

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 Magic Points

 
Posted on Fri Jan 16, 2009 9:43 am  

If the creditor sue you to the court, it can get judgment against you to recover the outstanding debt including his attorney fees and other charges and the judgment amount would include all these charges along with the outstanding debt amount. So it is always advisable that whenever you get a summon, first file a response to the summon and then try to settle the debt outside the court by coming to a repayment agreement with the creditor.
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Justin
hello
Guest






 
Posted on Thu Jan 29, 2009 10:20 pm  

how to contact checksystem
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30060 Magic Points

 
Posted on Fri Jan 30, 2009 7:09 am  

You can contact the Chex Systems, Inc. at any of the following addresses
- 12005 Ford Road, Suite 600, Dallas, TX 75234
- 8501 N. Scottsdale Rd., #300, Paradise Valley, AZ 85253
- 7805 Hudson Road Suite 100, Saint Paul, MN 55125
- 400 West Deluxe Parkway, PO Box 12536, Milwaukee, WI 53212

You can also call them at (414) 341-5000 or (800) 517-7125 or 1-800-428-9623
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jim
Guest






Subject: debt
 
Posted on Sun Jul 26, 2009 10:52 pm  

how do i find out how much debt im in
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30060 Magic Points

 
Posted on Mon Jul 27, 2009 10:34 am  

Try annualcreditreport.com Check out your credit report and see how much you have. Not all Collection Agencies report to all 3 bureaus. So make a comparison and see that no debts are overlapping.
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alan
Guest






Subject: outstanding debts
 
Posted on Mon Feb 22, 2010 2:34 pm  

i have debts from 5 years ago they keep sending me offers of paayments reduced but i tear them up how long can this last for
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Tue Feb 23, 2010 12:45 pm  

Hi Alan,

It can continue till you pay the off the debt. If you really owe the debt, and the company is offering a settlement, you should go with the settlement. Settlement lowers the amount by 40-60%. They can even sue you for non payment of the dues.
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AMG Consulting Group Inc.



Joined: 19 Oct 2008
AMGConsultingGroupInc's page
Posts: 20
Location: Los Angeles. CA


767 Magic Points

Subject: ChexSystems
 
Posted on Wed Mar 31, 2010 6:51 am  

Yes! ChexSystems (Consumer Relations) is a reporting agency; however, they only report mishandled bank accounts and in some cases bad checks.

If you do not pay the debt, I have seen accounts repost even after 7 years. What they do is keep reselling the debt to other collection agencies.

If you have a savings account with the bank in which you owe money... you may as well kiss that money goodbye. They can take what you owe without any notice.

IMPORTANT! Just because you pay the bank back the money DOES NOT remove you from ChexSystems. You will still remain in it for 5 years prohibiting you from having a future bank account.

They are programs you can sign up for that can substantially improve your chance to get the information removed/updated and into a new bank account.
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