Debt Collection

Name, SSN, Address or other verification of debt.

No one can really answer that. We do not know your mother and your person story with them. No one can answer this except your mother.

Ask her.

Your mother's estate is responsible for her debts. Her debts must be paid before any property can be distributed to her heirs. If she left property you should contact an attorney who specializes in probate to discuss your rights and obligations.

Store Cards vs. Credit Cards

1.Credit cards are accepted at many different merchants, including shops, travel agencies, airlines and many service shops. This gives you the freedom to shop for the lowest prices you can find among many different merchants.

2.Store cards are only accepted at one particular merchant, though they're usually welcome at any branch store run by the merchant. You're confined to the selection of products carried by that merchant at the prices offered by that merchant.

3.Credit cards usually carry a considerably lower APR on purchases than store cards. They typically offer starting rates as high as 29% APR - which is often the highest rate on a general use options, reserved for those that have built up penalties for late payments.

4.Cashback options give you a percentage of your cash back each time you use them. Some cashback cards offer a higher percentage when you use them at the shops of 'member merchants', but can still be used at any shop that accepts the imprint on the card. Store cards seldom give cash back, and can't be used in any other store.

5.Reward credit cards operate a good deal like cashback cards, but rather than giving you cash back on your purchases - which amounts to a discount on the price - they reward you with points that can be used to 'buy' other merchandise. Generally, you can't shop regular merchants with your reward points. Instead, you redeem them from the merchant company for merchandise that's offered by their 'reward partners'. The cards themselves, though, can be used anywhere that accepts them.

6.An interesting new twist on reward options are those that allow you to redeem your accrued reward points for gift vouchers that can be spent at any merchant that accepts their credit card. It's another step away from the limitations imposed by stores and 'membership only' merchants.

7.Membership credit clubs may look like credit cards - but they're much closer to store cards. Generally, you're required to pay a membership fee in order to shop from a catalog of merchandise offered by the credit club. They're not credit cards and can't be used like one.

Generally speaking, credit cards, especially cashback credit cards and reward credit cards, offer far more value than store cards. Be careful though, there are differences that will make one a better choice for you than another. If you're considering a cashback option, take the time to compare credit cards to be sure you're getting the right one for all of your needs.

Yes. And depending upon the circumstances the "bad check" issue might be a criminal one.

After a foreclosure, the mortgage company or bank will send you a 1099-like form showing forgiveness of the balance due on the mortgage, including the costs of foreclosure. This is income to you and you will have to pay income taxes on that amount unless you file bankruptcy. You can also remove any unsecured debt that would otherwise make it harder to start over.

If you are in default on an account that a third party/person bought, yes indeed, the new owner can foreclose on you and sue.

This all depends on the lender. Many lenders will require that a joint card holder must have a good enough credit score to have qualified for the card on their own, while others will only pay attention to the credit score of the primary card holder and just make sure that any joint holders are free from derogatory information. If you are considering adding someone to your credit card account, or being added to a credit card account, ask them before attempting to do so.

That all depends on the trust and whether it was set up properly to protect the assets of the decedent. In order to transfer title to property out of an individual to protect that property from probate and creditors EFFECTIVELY, the trust must be drafted by a professional. If the truster maintained any control over the trust the trust property may be vulnerable to claims against the decedent's estate. The creditors can make claims against the estate and a judge will decide.

This is the way it works in California, your states laws may vary.

It depends on the amount owed and your debt to income ratio. There are debt councilors available in every state, most consultations are free or sliding scale. They can tell you what the collectors are allowed to take and even advise you if you should do a debt consolidation, or for a fee have the debt adjusted and a percentage written off by the creditor. They will handle this for you, you will pay them a small fee every month and the amount needed to pay the creditors. This does effect your credit, but usually not as badly as not paying them at all, if that is how you are now situated, because the amount is negotiated. The councilor will be able to advise you what amounts each creditor is usually willing to deduct.

If you go this route you must pay the agreed amount every month or the creditor will take you to court and he will sue for the full amount plus interest and any fees including those from going to court.

Another option is to call the creditors, explain your situation and work out an informal agreement. Possibly they can stop tacking on late fees or high interest every month, as long as you send the agreed amount by a certain day. If for any reason the agreed amount can't be paid by the date due, call and let them know. The creditors are human too, they understand the situation millions of people are in right now and have been for months.
Any amount you can send is better than sending none, usually.

If whatever amount you can send is not enough to start chipping away at the principle of the loan, so the balance isn't higher and higher every month, you may need to file bankruptcy. This too will effect your credit in a negative way and it remains on your credit for several years. But if there is just no other way, sometimes it is what we have to do. The credit adviser will also advise you if this is your best option.

You have the right not to be harassed at home and work, you have the right to be talked to in a respectful manner and never verbally attacked. Anytime you call a creditor, get the name of the person who you are speaking to, first! If you find one to be particularly helpful find out if you can call this person directly in the future.
Good luck I hope things get better for you.

You should contact a Realtor who specializes in Short Sales so they can negotiate your situation with your bank to stop the foreclosure.

Bills are paid from the estate of the deceased.

The surviving spouse has legal rights regardless of whether he/she remarries after the death of his/her spouse.

Yes, by paying the back payments. Also, filing bankruptcy prior to the foreclosure will normally put a hold on the foreclosure proceedings.

If it can be proven that the debtor has funds going into the non debtors account then the amounts that are going into the non-debtors account that originally were funds belonging to the debtor can be levied.

No- that would constitute forgery. A wife cannot sign her husband's name to any legal document unless she was granted a Power of Attorney and states on the document that she is signing his name as his attorney-in-fact.

In most cases the debts of the deceased, including credit cards, are the responsibility of the estate. The estate, or its beneficiary should reimburse any valid debtors before giving any of the assets away. Consult a probate attorney in your jurisdiction for help.

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The FDCPA allows creditors to contact debtors as many times as needed as long as it cannot be defined as harassment. For example, a creditor/collector could probably call a dozen times within the 8:00 am to 9:00 pm time allotment without being in violation. However, they cannot call continually, for example every hour, every half hour, etc. Persons subjected to creditor calls should bear in mind that they have no legal obligation to speak with the caller.

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In the majority of states a medical bill can be turned over to a collection agency at any time. Doesn't matter if you are paying on the bill or have an agreement with the doctors office. In some cases these collection agencies are NOT outside companies but an account receivable agency for the group of doctor's or clinics.

It is far more efficient to have a third party handle payments and invoicing. Kind of like having a 3rd party do your companies payroll.

You should ask the 'collection' agency if they are part of the group you owe the bill to. If so, it is far easier to negotiate with them.

If not, make sure the agency has correct information on file. You may actually be in the middle of a dispute between your insurance company and the billing office. If so, contact your doctors office to get this resolved asap and make sure they take the bill back from the collector. Get it ALL in writing.

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In Michigan, generally, a spouse is not personally responsible for credit card debt solely in the deceased spouse's name. However, the estate of the deceased may be liable for the debt if there are sufficient assets. If the surviving spouse was a joint account holder or had co-signed for the credit card, they could be held responsible. It's advisable for the surviving spouse to consult with a legal professional regarding the specific circumstances.

Yes.

its a debit card, from Halifax, Some LLoyds TSB Business/Platinum accounts also have a debit card prefix of 4462