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 Posted: Fri Jun 22, 2007 8:41 pm Subject: power of attorney letter |
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hi guys, i am having my brother negotiating with my credit card companies as he has a gift to gab and also is borrowing the money to repay these bills at a fraction of the balance. the question i had was i sent the crediters a notorised letter stating that i am giving the ok to have my brother discuss all matters with my accounts. well upon talking to them they told my brother that i would have to send them a power of attorney letter. does this seem right or r they giving me the run around. also once i give my brother the power of attorney his he legally responsible for my debts. thanks guys john
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jeebise23
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AnthonyLemons
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| Posted: Sat Jun 23, 2007 12:30 am Subject: |
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Far too many people have the wrong idea about consumer debt. It's okay to have and use credit cards as long as you don't allow them to get out of hand and control you, but what choices do you have when that happens to you? When you owe money, there are really only four options available:
1.Pay Your Debt
2.Credit Counseling
3.Bankruptcy Protection (Now more difficult than ever)
4.Stop Paying and Walk Away
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AnthonyLemons
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| Posted: Sat Jun 23, 2007 9:41 am Subject: |
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You don't have to have power of attorney to discuss your debt. All you have to do is give permission to them to discuss it with your brother. My oldest son is disabled, I don't have power of attorney, He just got on the phone when I was there and said it was ok to discuss his debt. Hope this helps..KAren 
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As long as you are alive, there's always hope
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Bossy4455
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AnthonyLemons
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| Posted: Mon Jun 25, 2007 6:08 pm Subject: |
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A power of attorney should not be necessary to let another person speak on your behalf. A power of attorney is more or less used when another person is going to execute some sort of legal document on your behalf. But talking about account balances and making payment arrangments does not constitute a "legal" atmosphere.
Your written request should be enough -- that is what I require from my customers. And the only reason I require a written request from my customer is so that there can't be a lawsuit down the line stating that I disclosed information to an unauthorized third party. You actually went a step farther and had it notarized.
From here they are just playing hard-ball. At this point, you may want to document every time they refuse to discuss the account with your authorized party. And when they call you for money, direct them to your brother... if they refuse to talk to him, refer them to your letter and then tell them they have nothing to discuss with you.
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DebtCruncher
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