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Jun/09Mark Cappel
June 4, 2009Hi, The ex wife of my husband took the kids to the doctor, many times, and didn't say a word about it. She named him responsible for to pay the bill, and the doctors agreed with her and billed him without contact him, not before of the appointment or after. The divorce decree says they both share the medical bills, and he also must pay the insurance (he does). A debt collector is gonna s...
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May/09Mark Cappel
May 27, 2009
I am emailing to you regarding a credit card to which I was added only as an Authorized Buyer by my former husband. In '04 we jointly applied for the mentioned above credit card, however, within 2 weeks received a letter from the credit card services department which stated that they "were not able to open joint accounts in this time..., but instead would add me to this account as a...
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May/09Bills.com Team
In the state of California, if I put a stop-payment on a check, what can the payday loan company do?
May 21, 2009I live in California and took out a payday loan of $300. I'm having a hard time paying the loan because of hard times. I have rent, car and other bills that i need to pay plus care for 2 boys. In the state of California, if i put a stop payment on the check, what can the payday loan company called California Check Cashing store do? Will it be a fraud to do a stop payment, i just don't have m...
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May/09Mark Cappel
May 20, 2009How can I eliminate the late charges and interest fees on a credit card account that has been purchased by a debt collector? The credit card limit was 300.00 and was over limit of 67 dollars. The card company is saying I owe 1838.98 while the 3rd party company has put it on my credit report as 1929.00 and they changed the account number so it looks like it is a different account.
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May/09Daniel Cohen
May 15, 2009How can I consolidate my IRS debts without an attorney, but through an offer in compromise with the IRS?
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May/09Mark Cappel
May 12, 2009
I need to update my address on all 3 credit reports. I am getting denied because my address is not updated. How can I do this?
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May/09Mark Cappel
May 12, 2009I currently have a 15 year mortgage with PHH @ 4.75%. Could I refinance at the same rate for 30 years?
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May/09Mark Cappel
May 11, 2009
I have an old payday loan which was recently sent to collections. They said I had two weeks from the date of the letter to pay it in full. Because I had moved, I received the letter two days before that time was up. I mailed a personal check for the amount in full ($385) and they sent the payment back to me uncashed with a letter saying that although they appreciated the payment they could n...
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May/09Mark Cappel
May 11, 2009
If I have a 20k credit card debt with Bank of America and I try to settle it, Is it a problem if i have 2 countrywide mortgages on 2 separate properties? Also the credit card is only in my name and the properties and mortgages are in both mine and my wife's name.
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May/09Mark Cappel
May 6, 2009My husband has a Capital One credit card that we have not been able to make payments on in a while. It has been turned over to an attorney. They sent a summons to where I work. We were having mail sent there. I work in Louisiana but we live in Mississippi. The summons was through the Louisiana court system. How will that work? I sent them a debt validation letter and they sent back a letter...
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