Debt Collection

Yes, regardless of whether the second person on the account is a minor, if the debt being recovered is the responsibility of the adult on the account, any funds existing in the account can be attached. There may be several ways to prevent this, but they would likely involve setting up some sort of trust or guardianship that would be cost prohibitive. Your best bet is to close all accounts in the name of the debtor.

i have a judgment aganst my exhusband but cant seem to get payment even thou i have been to court several times . tell me how i can get this.

you can get help to pay your bills almost anywhere. save up your Christmas money granny and gramps. you can go a long way with that. it seems like a lot to us kids because we don't have that kind of money. and some times your parents don't either so help them

When a loan is in arrears (past due), the creditor has the legal right to contact the cosigner unless the loan is included in bankruptcy. The Fair Debt Collection Practices Act states this fact. The sole purpose of a cosigner/guarantor is to guarantee the loan, hence it is likely if no payment arrangements have been made by one, they will collect from the other.

Umm I dont think so!!!

An ad agency represents a business by way of creating ads, planning advertising, buying media and ads, and strategic planning. Bigger ad agencies take on bigger clients and keep them under retainer and uses the retainer to implement an advertising campaign. Where as a small ad agency will charge for one off items like websites, tv commercials etc.

See the following options for Credit Card Debt Relief :

~Credit Card Balance Transfer

A balance transfer is the simplest way to consolidate debts so you can find relief from numerous minimum payments that get you nowhere. If you decide to use a balance transfer, you must commit to paying more than the minimum on the new combined balance. To do this, total up all of the minimum payments on your previous debts. Now add an additional amount, whatever you can free up from your budget. Pay that entire amount to the new balance every month. With determination, you can probably pay off the entire balance before the interest rate offer expires.

~Credit Card Debt Consolidation

If you owe more debt than you can reasonably pay during the balance transfer offer period, you should consider a debt consolidation loan. These come in two forms: personal and home equity. If you don't own a home or your home doesn't have equity, then you should apply for a personal debt consolidation loan. Interest rates are higher than home loans, but lower than credit card rates.

~Credit Counseling

If you need help paying off your credit card debts, contact a local credit counseling service. The service will review your debts, income, and expenses, and work with you to create a payment plan. They may suggest a debt management plan. The service negotiates with your creditors to reduce your interest rates and set a fixed monthly payment. Once your debts are enrolled in the program, you no longer have access to the cards, which prevents you from creating new debt. In addition, you make a single monthly payment to the service, which then distributes it to your creditors as agreed.

~Credit Card Debt Settlement

If you owe significantly more than you can pay, and can't reduce expenses or increase your income any further, a credit counseling service may recommend debt settlement. Also called debt negotiation, debt settlement actually reduces your total balance due. The service contacts your creditors to negotiate a new lower balance and a new payment plan. You may either be required to make a lump sum payment or monthly payments. In most cases, debts can be reduced by 40%. Before choosing this option, remember that debt settlement may damage your credit and you may owe taxes on the unpaid amount.

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Social control is of two types:

#1 Informal social control: Informal social control is "unofficial" and tend to occur in small groups. they are of 4 types:

*social rewards

*punishments

*persuasion

*redefined norms

#2 Formal social control: Formal social control is official and is carried out by enforcing laws and rules by the authoritarian agencies. they include:

*school

*mass media

*religion

*state

*family

no

How much federal tax is deducted is determined by how many withholding allowances you select on Form W-4. Ask your employer's HR or payroll department for a Form W-4, fill it out, and return it to them.

How do you select the number of allowances?

There are many calculators on the net that are designed to help you. The IRS has a calculator here:

http://www.irs.gov/individuals/article/0,,id=96196,00.html

Your state may have a similar form for state income taxes.

After you choose the number of withholding allowances, you can see how much tax will be deducted from each paycheck by using the following calculator:

http://www.paycheckcity.com/NetPayCalc/netpaycalculator.asp

Do a "sanity check" on the amounts that are subtracted from your (and your spouse's if filing jointly) paychecks and make sure the amounts are roughly what you expect to owe in taxes at the end of the year. You should end up neither getting a refund nor owing the government more than $1000. If you are getting a refund, you can have a little less tax deducted by increasing the number of withholding allowances. If you are paying too much at the end of the year, you can have a little more tax deducted by decreasing the number of withholding allowances.

I am not sure which state you are in; therefore, I will pose my answer to your question using Texas information. You should do further research to see if the same doctrine applies in your state. First, you need to contact the lender to let it know that your spouse forged your name on the application. If your spouse sent the application via mail or fax, then the lender had a duty to verify the applicant and the applicant's signature were genuine. The lender may balk at transferring the debt from you to your spouse. In that case, I would recommend you retain an attorney to file suit against the lender for its negligence. The lender will likely bring your spouse into the suit as a cross-party defendant. All of this gets a bit tricky, which is why I recommend you retain an attorney should the lender not release you from liability on the debt. Lastly, you may have an action against your spouse during the divorce lawsuit under the doctrine "fraud on the spouse." (This is a Texas doctrine to which you should research your state's statutes to see if they have a similar doctrine.) Typically, after divorce, the rights of preexisting creditors are not affected. This means, even if the divorce decree gives one spouse responsibility to pay a debt, if that spouse defaults on payment, the creditor still has a cause of action for collection against the borrower of the loan. Therefore, if the above-mentioned unsecured loan has not been corrected or if it is still pending (in litigation, etc.), you are the liable party as the "borrower." That said, in your divorce petition and during your divorce proceeding you should assert the "fraud on the spouse" doctrine. The doctrine is used when one spouse disposes of the other spouse's interest in community property without the other's knowledge or consent. This would be the case with the credit card monies. If this happened shortly before your spouse left, then you have a good argument here. The court may not make your spouse pay you back, but it may weigh more of the assets in your favor during its division of the community property. (Again, Texas is a community property state. Check your state's marital property laws.) Because of the complexity of this all, I would recommend you seek legal counsel. Best of luck, T.D. Lewis of T.D. Lewis Law Firm, PLLC Dallas, Texas (877)469-5997 www.lewisjustice.com DISCLAIMER: The information contained in this answer should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship.

Liquidity is the ability of the business to pay immediate debts. Cash at bank and cash in hand are perfect liquid assets. Debtors are near liquid and closing stock is an illiquid asset.

If your trying to avoid paying your credit card debt, please keep in mind that there may be negative consequences. Creditors are multi-billion corporations. They are staffed with 100's of attorneys, and most likely they won't sit back and do nothing.

First, they will send you letters reminding you of the delinquent amount that you owe. If you ignore the letters, your creditors will eventually sell your accounts to a debt collector.

And then the harassing calls will begin. If you ignore the debt collectors, or don't make arrangements to pay your unpaid debt, they may sue you.

If the collection agencies or your creditors obtain a judgment in their favor and you still refuse to pay, they may garnish your wages or freeze your bank account(s).

There are more viable methods of eliminating your debt than simply ignoring them.

An account of past events is a history of something.

No you must close the account.

First, let me emphasize that you should file your tax return on time whether or not you can pay your taxes on time. The penalty for failure to file on time is TEN TIMES the penalty for failure to pay on time. File on time even if you can't pay.

The IRS failure to pay penalty is 0.5% per month or partial month as long as the taxes remain unpaid. That works out to an APR of roughly 6% per year. (It's actually a little more since you get charged the full amount for even a partial month.) In addition to the failure to pay penalty, interest is added. The interest rate is a variable rate that changes quarterly. It is currently 4% per year, accrued on a daily basis.

Once the IRS sends you a notice of intent to levy, the failure to pay penalty goes up to 1% per month, roughly equivalent to 12% per year.

So interest plus penalties add up to 10% to 16% per year. If your credit card rate is less than that, it is obviously better to pay by credit card. And don't forget credit card cash back and bonus miles and other perks in your calculation. A lot of credit cards are still offering promotions like 0% for the first twelve months for new applications. I still get convenience checks from my existing credit cards offering 3.99% for a year or more. Look into these offers.

If you don't pay the IRS, sooner or later in addition to the penalties, they will start to threaten other enforcement action, such as levying your bank accounts or paycheck. Once they start doing this, you need to pay them off. Responding to IRS notices is quite expensive for your employer, it can kill your career. Even if they aren't supposed to retaliate officially, you can bet that the next time there is a review, you will be passed up for a raise or promotion for some other reason. Having your bank accounts frozen can also be a downer. The bank will charge you a big fee, all your checks will bouce, which will cause everyone you paid to also charge you fees and cancel your credit, and so on.

It is also possible to request an installment agreement from the IRS. A set up fee of $43 to $105 applies, plus all of the above penalties and interest still apply. However, if you keep up with the term of the agreement, it will avoid collection action. See:

http://www.irs.gov/businesses/small/article/0,,id=108347,00.html

All of the following:

Your A/OPC

Your bank's customer service representative

Your bank's electronic access system or website

Yes.

Read the issuer Terms & Conditions - for example, I have read Amex Gold Business Charge Card; it says there, that they may close the account for any reason within 2 months notice... I have seen o the net people saying that their account have been closed for this reason and I can assume it is a valid reason as card issuers don't need the accounting paperwork for a non-working account.

No. Nobody can do that unless they have a cheque signed by the account holder.

Original creditors sale their accounts to collection agencies when the account has been past due and they have not effectively collected. At that time, the original creditor will charge off the balance from their accounts receivable and turn the account over to a collection agency. When the collection agency collects the debt, a portion of the amount received is paid the the collection agency and the remainder is returned to the original creditor as profit.

Mexico - Beneficiary's account number must be in 18-digit CLABE format LIKE: 402967542800000000 or 000000004029675428

A settlement.

Yes you can save your home from foreclosure. This is a primary reason people file for a Chapter 13 Bankruptcy, the automatic stay can stop a foreclosure as long as it's filed before the sale takes place.