meaning, if a creditor calls you up to 22 times a day, or calls your place of employment even after you have told them not to, is there a actual fine for this? I have already filed a complaint with the FTC but do not see any actual language regarding fines... and if they continue to do this there is a fine, etc. thanks. __________________ :sun: Remember: Stressed spelled backward is desserts.

Debt collectors have taken me to court and taken a car and they are still after my money Besides bankruptcy is there anything else i can do. I work but dont make much money.

I have a debt that was sold to a collection agency, and I found this out because I received a summons from an attorney in Jan. 2010 for it. I responded to complaint, and informed the attorney and the clerk of court that I no longer live in the county they tried to serve it to me to begin with and that I couldn't go to court that far away. I sent a validation letter to the attorney in January 2010, and the last thing i got was a change of venue court date for this week. Some people tell me to get a lawyer but I cant afford one.

I have a debt that was sold to a collection agency, and I found this out because I received a summons from an attorney in Jan. 2010 for it. I responded to complaint, and informed the attorney and the clerk of court that I no longer live in the county they tried to serve it to me to begin with and that I couldn't go to court that far away. I sent a validation letter to the attorney in January 2010, and the last thing i got was a change of venue court date for this week. Some people tell me to get a lawyer but I cant afford one.

meaning, if a creditor calls you up to 22 times a day, or calls your place of employment even after you have told them not to, is there a actual fine for this? I have already filed a complaint with the FTC but do not see any actual language regarding fines... and if they continue to do this there is a fine, etc. thanks.

I'm disabled and have lived on SSDI for 5 years. It's direct-deposited into my checking acct. each month ($1,100.00). This is my only source of income (unless you count food stamps or the $300.00 or so in checks I get ea. year in Birthday/Christmas cards) I never have more than $1,200.00 in checking and have barely managed to scrape together the $300.00 in my savings acct.

can my student loan company garnish my husbands wages, even if he isn't a cosigner?

Can a collection agency still collect on an account that is over 7 yrs old or not listed on any of credit reports from Equifax, Experian and TransUnion? Thank you

In September 2009 I pulled my credit report last year and noticed they were reporting an invalidated debt on my credit report. So I called them to find out WHY they were reporting it. When I spoke to their rep she told me the key details of the debt. So I asked her to please send me the paperwork and validation on the debt as I had no record of the account and I would need to research my files to accurately determine if I was responsible for it. She agreed to send the validation I requested. I never received it.

If you send any amount of payment in for your cc bill payment; will that prevent it from being charged off or go into collections? I'm told that if they accept the payment, they can not charge off account. Myth? Truth?