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Can a utility company bill me for two separate accounts on the same bill, and consider it the same account?

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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I have strong income and good credit. Can I find a refi loan for 100% of the value of my home?

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.

I am indebted to several credit card companies. How likely is it that a debt collector is trying to collect from me personally?

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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How to I cut the interest rate on my Target Visa card?

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.

I am being forced to take early retirement and can no longer afford my mortgage. Can my pension be garnished as a result?

Do I need to keep paying the bills for my deceased parent's credit card? I was an authorized user on the account.

My parent recently passed. I am an authorized user on two of credit cards. Can you please suggest what I can do? I can no longer afford to pay these bills.

Can a credit union charge-off a loan if I am less than 90 days late in my payments?

I own my home free and clear. I remodeled recently using my credit cards, and now want to consolidate. What are my options?

I currently own my own home in Texas with no mortgage owed. I remodeled my home and want to consolidate the credit cards I accumulated during the renovation process. I have been a customer of national city in the past and I'm interested in the types of products offered today.

Can a credit card issuer garnish my spouse's wages if I default on my credit card payments?

Can a credit card lender garnish my spouse's wages if I default on any of my credit cards? I live in Michigan.

I seek a debt reduction company where I can make one monthly payment to them, and they pay-off my three credit cards. Any ideas?

I live in South Dakota and am looking for a credit card debt reduction company where I can make one monthly payment to them, and then they make payments to the three credit card companies I currently have debt with. Where do I begin?