Search forum

I just received a notice from Citi that they are decreasing my revolving credit limit down to the outstanding balance on the account based upon information they obtained from a consumer reporting agency. It goes on to say they obtained the information from Experian. It later says that under the Fair Credit Reporting Act that I have the right o know the information obtained in my credit file at the reporting agency. And that I have a right to a FREE copy of my credit report, IF I request it within 60 days after I receive this notice.

How do you find out if a debt collector is authorized to collect in your state?

can they take out more than authorized via an electronic transfer by giving them info from my checking acct?

When Payday Loans don't respond to BBB complaints should I resubmit those complaints until I hear some sort of resolutions from the companies?

I have 3 Credit cards i couldnt pay on. I started paying on them, but all 3 were charged off. I now have collection agencies calling me about these debts. In stead of dealing with the CA, if i were to pay the min balance on all the cards, to catch back up(because i still get bills). Will the CC companines pull the CA off me. Because i dont want to deal wit any CA company. Thanks in advance.

I've been under a load of bills and IRS payments, so I took out 5 payday loans, but now I can't afford to pay bills and loan ACH debits. Can I consolidate payday loans?

I would like some feedback from anyone who has gone thru this process. I have filed for Ch7 in 2008 with 2 Foreclosures. How do I file my 2008 taxes? Are the foreclosures & short sales considered capital gains? Will I receive 1099's from lenders? PLEASE Help...

I have managed my money very poorly then I ignored for a long time collections calls and stopped making payments on all my accounts. My Fico score is at 444 :(, I'm about to get married... I want to start repairing my credit but I'm not sure where to start or what to do, I'm totally lost. Can somebody please help me? What letters should I send for which type of creditors?

About 3 weeks ago I took two hefty cash advances from 2 of my credit cards. Since then, other circumstances have occurred and I've met with a bankruptcy lawyer. It looks like we'll be filing Chapt. 7 in May after 90 days are behind us. I'm worried that I haven't even made a payment to those 2 CC companies since I took the cash advances, and it will look fraudulent. Should I at least make one payment to them or just forget it? I'm so worried!

I am filing Chapter 7 sometime in May. I have used my credit cards in the recent past so I need time to let the 90 days run before filing. My question is... would it be helpful for me to make partial payments on my credit cards in hopes of keeping the harrassing phone calls from creditors to a minimum, and would this slow down the process of my cc company sending it to collections or, worse, filing suit? I really don't think I can take the phone calls and was just hoping partial payments would help. If not, then maybe I should just save my money. Advice? Thanks!