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BSAug/10Bills StaffAugust 12, 2010
I have a utility bill on my credit report. I cancelled my service in 2008. I moved knowing I owed $45.23. When I pulled my credit report I found a collection for $2066.61. I sent a debt validation letter to the utility company and they responded with and itemized printout of my account. Turns out a month before I moved I cancelled my account, they added a "transfer debit" of $2021....
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Aug/10Daniel CohenAugust 12, 2010
Are there any lenders out there that will refi 100% loan to value? I have a first for $260K and a HELOC for $63K. $325K is what the house is worth. I would like to pay both of these notes off with a 15 year fixed note refi. I am willing to bring in some cash if required, but would like to keep it minimal. Credit score = 800.
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Aug/10Mark CappelAugust 10, 2010
Is it possible for a collection agency to send someone to my place of residence to collect? I own a home-based business with a partner, and we have been hit hard by this recession, losing at least 80% of our business in the last two years. We're making just enough money to keep my business partner from being evicted (she isn't able to get help from her family) and to pay for food and...
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Aug/10Mark CappelAugust 10, 2010
I have a Target Visa credit card and it seems impossible to lower the bill due to a monthly high interest rate of $43.58 cents. Is there anything I can do to lower this. I always pay on time but it doesn't even seem worth it.
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BSAug/10Bills StaffAugust 6, 2010I work for a local government in the state of New York. I have a home with two mortgages, and I am up to date with my payments. I might lose my job if I don't take early retirement and I am concerned because, after retirement, I won't be able to afford my mortgage payments. In state of New York if my house goes for forclosure could you please tell me if the bank will be able to garnish my pensi...
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Aug/10Mark CappelAugust 2, 2010What do you do if a credit union that I used to work for charged off a loan that I was less than 90 days late but yet I was still paying on it? I was trying to get the loan caught up and in February of 2008 I made two payments and went back the next month to find out that the loan was charged off the end of February of 2008? Can they do this if I am still showing an effort to pay?
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Jul/10Mark CappelJuly 30, 2010
Can a credit card lender garnish my spouse's wages if I default on any of my credit cards? I live in Michigan.
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Jul/10Daniel CohenJuly 29, 2010
Can a tax levy and a garnishment from another creditor be taken out of my check at the same time?
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Jul/10Daniel CohenJuly 28, 2010
Do you have to close your current HELOC when you refinance your first mortgage if the HELOC balance is zero? Our HELOC is with Bank of America and we have a great variable interest rate at 3.25%. I would like to avoid having to go through the hassle of applying for and paying any fees for another HELOC if we refinance. Besides, the new rates would be higher. Thanks.
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Jul/10Daniel CohenJuly 27, 2010
I have debt in Ohio, and I was told that Ohio has consumer protection laws that are not good for people. Exactly what rights do I have?