Is there a "grace period" past the due date?

I am receiving calls from first advantage from a south carolina area code but they are actually calling from NY but a SC number is showing up on my caller ID. Is this legal?

Today i found out that my wifes bank account was garnished. It was done by the law firm representing a bank that she owed $ too (they are acting as the debt collector). Due to me being laid off my job recently she was unable to keep up with the prearranged payments.She was never served with any garnishment or court summons papers. Is there anything we can do to fight or reverse this. We have four children and have no means of any income because of this. We tried calling both banks and the lawyers but they really didnt seem to care.

please help me out!Im a victim of ID theft. Iwas confronted by attnys. Hodosh,Lyon &hammer on behalf of LVNV/chase bank . In Jan. of 2012 i was searved with their judement. I responded imediately in writing with a debt validation request. No response. ^or 7 mo. later ,they come in and take 6404.00 of my bank of merica acct. I have an attorney. He says they got the wrong date of birth and they gave him a bogus account # for the alleged Chase credit card acct. that doesnt even come up in Chases data bank, nor do I , my name, ssi etc... These people took my account money.

Hello I have a debt with a credit company that was last active in 3/16/2010, I currently reside in the State of Georgia and just found out I am being sued by Midland Funding. I believe the account was about $3,500.00 from Capital One (fell on some hard times could not pay). I have not received a summons as of yet (found out from a lawyer sending me a letter wanting to represent me) but will be calling the court to find out my court date and how much I am being sued for.

Back in 2009 I had an amount I owed to US Bank go to a collection agency called liberty acquisitions. The amount was only about 600.00 or so. Over time the interest built up to a total due of over $2,000.00. I began working fulltime and almost had this debt paid completely off. I sadly ended up loosing my job and was unable to find employment. The interest built back up again to over $2000.00. I am now working a fulltime once again and getting back on my feet and have since moved to a new state altogether. I am wondering if they can begin garnishing my wages?

Back in 2009 I had an amount I owed to US Bank go to a collection agency called liberty acquisitions. The amount was only about 600.00 or so. Over time the interest built up to a total due of over $2,000.00. I began working fulltime and almost had this debt paid completely off. I sadly ended up loosing my job and was unable to find employment. The interest built back up again to over $2000.00. I am now working a fulltime once again and getting back on my feet and have since moved to a new state altogether. I am wondering if they can begin garnishing my wages?

What state: CALIFORNIA I have been hounded by 3 different CA, who are trying to collect on the SAME debt that I do NOT recognize. I have sent them Debt Validation (DV) Letter and eventually Cease-and-Desist and they still claim I owe them money and still sending me letter. If I don't respond, they said the debt is valid. Here's the timeline: 1). Early July 2012 Letter from Convergent Outsourcing, claiming I owe debt from LVNV Funding, who represent Capital One. I don't recognize the account, so I send DV letter to Convergent Outsourcing. 2).

Has anyone had any success in dealing with the Western Sky loans that were immediately transferred to Cash Call? I live in Texas and am current on the loan (since it is ACH'd out of my account). I have not been successful in getting any clear cut answers from Cash Call on being able to pay extra to be applied to principal to try to get this loan paid off early as I cannot keep on paying this outrageous interest with no relief on the principal.

Are offshore lenders or tribal lenders legal in Delaware?