Yes, a creditor can call you before 9 a.m., but they must adhere to the Fair Debt Collection Practices Act (FDCPA) regulations, which generally prohibit calls at inconvenient times. However, the definition of "inconvenient" can vary based on individual circumstances. If you believe a call is inappropriate, it's best to communicate your preferred contact times to the creditor.
Your question reads, "Is a creditor REQUIRED.." If you mean "by law," the answer is mostly no, but it varies from state to state. If you mean "by common decency," then I should answer Yes. Most times, if the co-borrow is a wife or significant other, the creditor will not bother to notify the co-borrower. However, "defaults" come in all shapes and sizes. Some are reversible, like a negative credit reporting. Some are not, as in a Judgment.
There is no time limit that a collector must adhere to before initiating a suit. But, collectors generally seek legal recourse as a last resort. They prefer to resolve the issue by negotiating with the debtor for a lesser amount than originally owed. Please be advised, however, any creditor/collector can pursue a lawsuit whenever they so choose within the boundaries of the debtor's state SOL laws.
There is no limits in the general rules as to how many times it is possible to refinace a mortgage. There are some guidelines on qualifications that everybody should check out before making that investment.
In general a bank account is subject to judgment levy every 30 days until the debt is paid. The judgment creditor must renew/refile the bank levy each time before it can be implemented. A bank account levy can allow the judgment holder to remove the total amount owed at one time. If the account balance does not hold enough funds to pay the entire amount the judgment holder in most instances can still remove the entire balance of the account. Please consult the laws of the state of residency or where the account is held for specific information. Some states only allow a one time levy where the judgment cannot be renewed and the creditor has to repeat the civil suit process. Likewise, jointly held accounts are treated differently when it relates to judgment levies than single accounts.
Yes, a creditor can call you before 9 a.m., but they must adhere to the Fair Debt Collection Practices Act (FDCPA) regulations, which generally prohibit calls at inconvenient times. However, the definition of "inconvenient" can vary based on individual circumstances. If you believe a call is inappropriate, it's best to communicate your preferred contact times to the creditor.
46
Uh, once.
No it's not illegal but can be seen as harrassment
The number of times you can format an SD card before it becomes unreliable varies depending on the quality of the card and how it is used. Generally, SD cards can be formatted hundreds to thousands of times before they may start to show signs of unreliability.
NO
The number of times you can rip a piece of paper depends on its size and thickness. Generally, a piece of paper can be ripped around 7-10 times before it becomes too small to rip further.
When the length and width are tripled, the area becomes (3 x 3) = 9 times as much as before.
There is no good sentence using the word creditor, unless that is how you make your living: That creditor keeps calling, no matter how many times I tell them that they have the wrong John Smith.
The flavor of coffee can start to diminish after brewing it multiple times, typically around 2-3 times before it becomes noticeably less flavorful.
The maximum number of times a keyword can be repeated in a single question is typically around 2-3 times before it becomes redundant and repetitive.
How many time can I drink my own urine before it becomes poison