Debt Collection

It would depend on the debts, example if a credit card debt. Why would you pay it. If it where a car it could get repo'd. In my fathers estate we did not pay any credit card debts we just sent them a copy of death certificate. And the banks worked with us on a car we needed to sell for the estate. You will find lenders do have a heart when it comes to these matters.

No they can't, it is considered non-garnishable income but make sure your mank knows that this income is from SS.

There is no such thing as an "official" dispute letter, but there are many ways you can get sample letters. I have the Identity Guard service, which includes a whole section of sample credit dispute letters for various situations, and it also comes with all three credit reports and scores. You can get it at www.creditscorehero.com

It depends on your situation. It is always a good thing to always pay your bills. After all, these providers rendered services contingent upon them receiving payment from you. You do not need this lingering over your head. If the bills are sent to collections, it can follow you for several years. Debt collectors purchase accounts in bulk and to receive revenue if a payment has not been made, the account is sold and a new debt collector buys your account and it hits to your credit again as if the lates were current. It will affect your credit score and hinder you from purchasing real estate, motor vehicles, etc. The best thing is to call the debt collector and settle the account for less than what is owed.

No. The fact that it didn't "clear" the bank means there either wasn't enough money in the account it was written from, or whoever wrote the check called the bank and cancelled (voided) it. If you deposited a check in your account, and it doesn't clear, then you need to subtract what you added in when you made the deposit because it's as though it doesn't exist. Contact the check writer (if you can) to get a new one. If it's a deadbeat who intentionally wrote a check with insufficient funds, the authorities (and the banks) take a very dim view of this as it constitutes fraud.

Oregon is not a community property state. Therefore the surviving spouse is only responsible for the deceased spouse's medical bills if he or she entered into a financial agreement with the attending hospital and/or physicians or other such agencies.

Yes. Everywhere.

Generally they can't garnish your account for a debt in your husbands name only unless he also uses your account - as in a joint account or his pay is deposited in the account.

No. A creditor that wants to freeze the assets in a bank account must seek and be granted a court order. The order must then be served on the bank.

simply obtain a copy of your credit report, circle the debts that you are disputing and mail them a letter stating that you are disputing the circled debts because the seven year time limit has expired.

The Identity Guard service includes a credit report from all three credit bureaus and also includes sample credit dispute letters that are very helpful for situations like yours. You can get this at www.creditscorehero.com . Good luck

It never official goes away, but it can be written off and after so many years depending on each state. It can no be collected and it expires making it where you can get services with the company you just have to pay a deposit.

in Pa. the statue of limitation fora credit card is Four years for the original creditor to sue you in court.

Second,from the very first miss payment .counts as in default.if you miss a monthly payment on Dec.1,2004.and they send it to a collection agency.it goes by your first missed payment.Collection agency all try to up age the account-like this.you miss on Dec 1,2004.collectors receive it on June,15,2005.they will try (UP-AGEING)saying they have till December 15,2012 to keep it on credit report.in truth it is in collection till June 1,2011.

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According to RealtyTrac, there has been an increase of 54% of home foreclosures in the US from 2007 March to 2008 March Credit: http://www.mortgagetonight.com/2009/01/how-foreclosure-affects-credit/

Should you default or become delinquent on any credit line/loan, the lender has the right to repossess your assets, regardless of whether it is your first home or fifth home. This can vary from lender to lender, and can only be confirmed in the agreement you signed with your lender. In general, yes, they can; contact your specific lender for confirmation.

Yes, unfortunately

There are a number of factors involved. Typically the estate is responsible for paying the debts, including funeral costs. If a child or relative has co-signed any paperwork regarding the funeral, they may be held liable.

None anymore. The last debt paid to the US under the WWII "Marshall Plan" was paid by the UK in 2007. Morally speaking it is an important question whether or not they should have been required to pay anything at all or if the US should have just accepted that they needed to act to stop Hitler!?

Sometimes. It depends on the contract with the lawyer and what his powers of representation entail. Usually he/she will have certain "powers of attorney" implied in the position as your representative. Negotiating terms of payment and specific interest is usually discussed with a client before any action is taken.

Past due amount of money you owe.

No.

Your creditors are entitled to be paid from any assets you have at the time of your death. Generally, if you have no assets they are out of luck.

You can find a list of money orders and money grams companies in your states capital

If she is a joint account holder the account would now belong to her. If there is no joint account holder then the account would be legally frozen until an Administrator is appointed for your uncle's estate. Until then no one has any authority to access his bank account. You should make certain the bank has been notified of his death.

You are dealing with contract law, and I'm not aware of any credit card agreement, where in the fine print it would state such a inclusion, nor retain any validnesss even if it were. You can't assign credit card debt, or the obligation to a innocent third party, who never agreed to such a agreement in the first place, unless they were a co-signer on the account. Now I know of a party who had this happen to them, when a family member died, the credit card company tried to collect from the family. There is no law that prevents them from asking, nor any law that prevents a family member from opting to pay, but you could never be forced to become a part of the Credit Card agreement, unless you opted to do so, providing you were not a co-signer in the first place.