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Jan/09Mark Cappel
January 30, 2009I had an account with MBNA and had regular payments set up and they sold to bank of america and they didn't give me any notification of such action and bank of america has been accepting payment but charging me late fees and other fees and now balance is a considerable amount above what i did owe. I asked the man that called why i wasn't notified and he said that was what the phone c...
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Jan/09Mark Cappel
January 30, 2009I am writing you because my wife told me to do it. But this is my story, I'm active duty in the Army and to put it modestly we make enough to get by. But lately I've had barely enough to get by. Let me elaborate. As of last month I calculated all of our debts and we have $32,432.44. This may not look like muuch to some people but its been so bad lately weve had to use credit cards to buy daily liv...
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Jan/09Mark Cappel
January 28, 2009My daughter was sent two different credit cards when she was 17 and used them. She paid on the debt for awhile but then defaulted on them. Now one of the credit cards is garnishing her paycheck for over $3000. She originally owed less than $1000. Can this company hold her responsible when she was a minor when this occurred?
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Jan/09Mark Cappel
January 23, 2009I have a 73 year old client who lives in a retirement community. Her husband of 40 years has a diagnosis that has caused him to be unable to handle financial affairs. He is a threat to my client and is now estranged.A restraining order is in place. Until a court order was obtained in October, the husband used 4 credit cards to obtain cash and make purchases which now totals approximately 60,000 do...
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Jan/09Mark Cappel
January 22, 2009We did a loan modification on the first loan with WAMU and we are paying that ok, we had a second loan with them (WAMU) and at the time of modifying the first they told us and we have all the e-mails communications that the second will be charged off (by the way he was an employee of WAMU until May, 2008). All of the sudden after almost 6 months of the modification on the first loan we started ...
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Jan/09Daniel Cohen
January 21, 2009My spouse has a judgment against him for an unpaid bill. We lost a business in NC. Is there a time limit as to how long this judgment is open? The amount is for equipment with a substantial amount of money owed.
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Jan/09Bills.com Team
January 21, 2009Are debt collectors allowed to lie? I just got a call from Northland Group. They asked for me and said the reason for the call was to verify me as a personal reference for someone I had never heard of. This seems like a shady technique and I'm wondering if it is legal.
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Jan/09Mark Cappel
January 20, 2009I am having a problem figuring out the best way to handle this situation. My ex-husband bought a truck in Jan. 2006, which I signed the loan paperwork for--we were married at the time. When we filed for divorce in June 2007, the court gave the truck and the payments to him. He never made any payments, and left the state (and the truck) in Louisiana. The car company told me that I am responsibl...
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Jan/09Mark Cappel
January 19, 2009
I owe over $30,000 in credit card debt and I need community property and debt relief advice. I have problems. Everything we own is in my wife's name. Can her property be in question?
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Jan/09Mark Cappel
January 14, 2009
I had a collection account with a major creditor; after many calls and correspondence from to arrive at a payment plan I could afford, I never received a response until I was service with a Civil Lawsuit and my wages were garnished from 9/2007 until 7/2008 for payment of this debt. I never disputed the amount owed, unfortunately, no one would work with me. I was contacted by phone in October...
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