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My sister's neighbor brought over a note he wrote when he got a call from Bank of America. The caller, a woman, left her name and phone number and demanded the neighbor take the message to my sister, that she MUST return the call. Isn't that illegal?

Please help! I owed Capital One for a 300 card that was charged off in 2006. They are now saying that I have to pay almost 1000 which is mostly interest! Can they do this? I tried to contact them to settle or make payment arrangements but I only was yelled at an interupted a million times by some horrible rude person who kept putting me on hold whenever I would ask a question.

Can someone tell me the rules for GA regarding garnishment, SOL, and any other rules that may apply if I am not able to make my CC payments? Thanks

Can collection agencies pull all information contained in your credit report? Can they use your credit report information as evidence that a debt is yours in court? Can/Do CA's Change original ceditor information in your credit report somehow? I am wondering because I have two different sets of credit reports (2003 and 2009) and the address and account number of OC are different between the two.

It really starts when I was 18 and got a job at Macy's. I got a card to help build my credit, and also so I could "afford" work clothes. A friend told me that "you can't build credit with a department store card", so I applied for several "student" cards. I was doing all right with keeping my balances low, until I left for school in another state. All of a sudden I'm on my own, responsible for rent, power, water, gas, food, AND phone. It was an eye opener to say the least. I enjoyed being a "grownup", but I found it hard to afford the basics on a part time minimum wage job.

when a CA tells you they have checked your assets (not sure I believe them) but if they did what kind of assets are they reffering to?

Are there laws that require companies to provide disclosure of their fees upfront? Must they provide you with their policies and get agreement from you before doing any work? I have found cases for bank, auto, real estate, attorneys, but not any businesses. I was charged for an additonal month of service with a company and they tell me 9 months later that they have a 30-day cancellation policy. It is not in their terms of service (online) and they did not give me any other documentation regarding this.

They have been calling several times a day.

I have found so much good informaiton on this board and thank you all. My question is I sent the letters to the three PDLs I have..loanpoint, fastmoney911 and northway financial. I have only heard from one and this is what they sent. Oh and I emailed it to them not fax....?? Hello, We do not accept PDL assistance or any other debit consolidation. We will continue to debit the account until the balance is paid. Please go on the web links below 4 business days before the due date to make your payment arrangement.

I have a loan from upfront cash for 800.00. I am paying 240.00 every two weeks for interest. I was looking through the forum and found that this company may be doing business in SC without a licence. please help. Can upfornt do this in SC - the law says they can only charge 15.00 per 100.00 what are the steps necessary tosettle with them? iwant to pay the loan but not the ridiculous interest