Debt Collection

i don't think a collection agency is entitled to collect money from your tax refund. First of all the only entities that I have ever known to be able to do so is the government.

if you owe state income tax or if you owe for food stamps or past due student loan debts. those are the people who can take your taxes. otherwise the only thing left for them to do is garnish your wages and that would have to be done through court first and you would have to be notified FIRST and given the opportunity to defend yourself in court. So if it ever comes to that GO TO COURT don't be afraid show the most desperate situation that you do not have the ability to pay back and maybe the judge will sympathize with you otherwise pay attention to your mail and never lose a piece of mail it allows you to read and see what is going on Good luck.

no it stands for call of duty

it also stands for cash on delivery

Debt retirement refers to the paying off of a debt in order to avoid future interest payments, this can only be done if the current funds available are able to clear the outstanding balance of the debt.

Debt forgiveness on the other hand can be considered to be an amnesty by lending institution for countries who are heavily indebted, this is usually done to help alleviate the debt burden faced by such countries.

Therefore the difference between debt retirement and debt forgiveness is that one is paid off by the country who is able to pay off the debt and the other is an amnesty given to remove the debt for countries who cannot afford to pay it off.

No

Short Answer. Very damaging.

I don't know the exact numbers for a charge-off but I do know that FICO recently revealed how their damage points work on some other items.

For example, if you have 680 credit score and have a 30 day late payment, your score will drop 60 - 80 points. If your score if 780, it will drop 90 - 110 points.

That's quite a bit. And I know that charge offs are viewed much worse.

In Louisiana the estate has to pay off the debts. If the estate cannot do so, they distribute as best they can. If the court approves the distribution, the debts are ended.

Yes - absolutely a debt can be passed from one debt collection agency to another.

If the credit card company has filed a claim against the estate the debt must be paid before any assets can be distributed to the heirs. In any estate the debts must be paid first. The heirs get any assets that are left after the payment of debts. If the estate doesn't pay the bill the creditor can force the sale of the real estate to collect the debt. If the property is the only asset and the heirs want to keep it then the heirs must pay the credit card bill.

Debts are one of the primary reasons someone should open an estate. The estate has to pay off the debts. If the estate cannot do so, they distribute as best they can. If the court approves the distribution, the debts are ended.

By contacting your state tax department and asking them this question.

Generally no, unless you can prove that the oral contract included interest to be paid. It's going to be difficult enough to prove an oral contract existed if the person you are suing denies that such contract was ever made. If you have witnesses to the fact, this helps, otherwise it is going to end up being your word against theirs and depending on the judge, the outcome may not be favorable.

yes

9%; Everyone could enjoy about a 10% tax reduction simply by paying down the federal debt, which now stands at about 40% of GDP, but is expected to exceed 60% within 10 years.

No. It is your account and the bank cannot move funds from one account to another without your approval or rather without you asking them for it.

In Michigan the debts of the deceased are the responsibility of the estate. Anyone that was also a co-signer on any of the agreements might also be responsible. Consult a probate attorney in Michigan for help.

Foreclosure can ruin your credit. When you apply for credit, lenders will look at your credit report. Foreclosure stays on your credit for 7 years. However this does not mean that you cannot get credit after foreclosure. You may not get credit immediately after foreclosure. However if you have taken steps to repair your credit immediately after foreclosure, lenders will be willing to consider your application positively. But you may have to pay more interest and provide collateral. Lenders understand that people go though financial up and downs. You must show that you have learned from your past financial mistakes. Even if you the general banks and lenders are reluctant to lend to you, there are lenders who specialize in lending to individuals who have been in foreclosure.

Legal Disclaimer:

The answer above should not be relied upon as legal advice. The information provided above is based on insufficient facts and only speaks to a general opinion based on those insufficient facts. No warranty is provided that the answer is correct. No attorney-client relationship has been formed with me until a signed written contract is complete. For an official opinion, it is advised you seek legal counsel.

There are some cases where your bank account can be taken for the payment of debts owed, notably the IRS, Student Loans and Child Support. There may be private lenders who can do this, too.

What you will need to do is to either consult with an attorney in your area, to get answers that apply specifically to your situation, or consult with your local bank representative. Or both.

Meanwhile, you may wish to keep only a minimal balance in there, say of $5. And you may wish to have your company no longer direct deposit into that account. Nor have other creditors automatically remove your payments to them each month.

Inconvenient, but it may save you some hassle if things go south.

In theory, yes, but it would be expensive for him to do it. Depends how much you owe and how bad they want it.

No, the collection agency is now the rightful owner of the debt in question and the original creditor has removed the account from their books.

If you are now married, your dealings are entwined. If she has passed away, the debts of the deceased are the responsibility of the estate. Anyone that was also a co-signer on any of the agreements might also be responsible. Consult a probate attorney in your jurisdiction for help.

If your creditor has obtained a judgment against you, yes.

It may be advisable to drop their name in to a search engine. At this time there are MANY reviews posted online by others who have had bad experiences with onlineticketexpress.

Onlineticketexpress advertises (and states in its terms and conditions) that tickets are shipped 3 to 5 days before the event. However, onlineticketexpress customer service tells customers that they only ship 1 to 2 days before the event. This is a fraudulent policy on its face. The company habitually violates its own terms and conditions!

You can report onlineticketexpress.com to the UK government at:

http://www.actionfraud.org.uk/report_fraud

http://www.tradingstandards.gov.uk/

Unfortunately onlineticketexpress is located in Barcelona, but enough complaints could stop the company from operating in the United Kingdom. It may also be possible for you to prosecute and get some of your money back, in the event that onlineticketexpress failed to deliver as promised.

There are many scams out there at the moment which appear to be legitimate organisations. Its always wise to pay with a credit card and then you can try and claim back any payment if its a fraud. Seek out and use a different company in ticket purchase; in particular it would be safest to find one that people have used a number of times, since some scams may sell a few tickets in order to get some great on line reviews and then fail to actually send anymore.

We were granted a chapter 13 over a year ago in which we surrendered out house. The lender, GMAC, has not sold the home, but keeps putting if on the market and taking it off. No one has lived there for the last two years, yet our HOA still expects us to pay for the road maintenance fees - even though we no longer even drive there or live there.

Is this right? What can we do?

Sorry, but when I tried to enter this in as a question, it kept cutting me off after just the first two sentences.

In many cases they will be held responsible. They are deemed to have benefited from to goods and services.

American Express