how do I find out if a company is legal?

I get alot of these type of emails in my bulk folder and I just delete them without opening them up.

Brenda, I see that you have been doing a lot for your daughter. You are a good mom. Far better than mine.

As for this company, they are on ripoffreport.com. They have nothing positive to say about them. I would just delete the email or place it in your spam folder.

I get letters and email about how I can refinance my parents house!! I think they just buy whatever list of people, and then send out the ads. They don't actually check to see if the person can afford it, or if they will even qualify for it first. That would be too expensive.

You know what always gets me? I have crappy credit, yet everybody and their brother sends me cc applications, loan applications, etc. My favorite thing though is what my mom gets---she has a capitol one card and at least once or twice a week gets applications FROM capitol one for an account. I know alot of these are sent from database clearing houses but, geez it sure seems like a BIG waste.

Lorri, I read recently that Capital One has a rather nasty tactic with those credit card applications. Once someone has a card with them, they'll continue to send the cardholder multiple applications for more Capital One cards in hopes that person will apply. Unfortunately, most do and then some will run up their credit limits on more cards until they're several thousand dollars in debt. It makes me sick the way credit card companies prey on people like that.

Don't get me wrong, though. I fully believe in being responsible for debts and paying them, and I know from personal experience that things happen that prevent one from keeping up on bills, but I think some of these companies seek out people they know aren't always 100% responsible with money and target them just to make more money. The greed factor in this country is out of control.

If you guys and gals wish to stop unwanted credit card offers,please go to this website.
optoutprescreen.com
Please add www and dot in front of it.
Fill out info and submit. You can do the 5 year option online.You have to mail in for a permanent opt-out.When you are ready to start receiving offers again,same website is used to opt-in.