Credit Card Debt Collection Agency

Have to file bankruptcy. Been out of work for 6 months. Two credit cards have been written off but amount, I guess, has been turned over to a collection agency. When I file for bankruptcy do I just list the bank or just the collection agency? Can the collection agency garnish my wages if I obtain employment? Thanks.

List them both.

Filing for bankruptcy will stop any judgements to garnish your wages.

2008-02-05 05:43:33 by quidproquo888

My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors - particularly credit card debt ...

Does this mean that i'm now listed as a bad credit person? if i come to an agreement with the collection agency to pay my debt back in instalments, will my credit rate be ok then?

When you call don't offer them anything! ask them what your options are. Be nice when their done ask them what other options do I have, and then one more time ask and your company has no other options and has never made arrangement for special situations?

Then you ask for all of their contact information (address 800#, and Fax) Ask as many questions as you can think of, keep control of the conversation. If you ever loose control tell them thank you for your time and hang up the phone. Never agree to anything unless you know your able to do it.

2008-05-11 22:24:59 by Tina

I have no job and my only source of income is Social Security disability. I have 4 kids, too. Because of a credit card debt of about $1,500, a collection agency here in NJ is threatening to take my old Toyota to cover the debt, because they cannot find money under my name. Can they do this?

Can I register my car under my wife's name, even though she has no Driver License?

It would be registered under her name, but I will be the driver.

I am trying to hide my car from the collection agency by registering it under my wife's name.

I was told by a lawyer that the collection agency won't bother to go for a car that old. It wouldn't be cost effective.

However, I have heard some scary stories about people whose old cars have been seized by unscrupulous collection agencies and auctioned. Man, I need my car so badly I would shoot someone for it.

Any ideas? Anyone?

First off, try reading on the "Federal Fair Debt Collection Practices Act" and know your rights. They will try to bully you and the info in that law will help you tremendously

Some points in the law that may be able to help you:

a) They cannot call you at ungodly hours
b) They cannot threaten to garnish wages or take anything you owe until AFTER they have sued you. This car is not attached to your debt (its different from the horror stories you hear that people REPO the car -- it cant be repo'ed if its yours free and clear, they have to attach it AFTER they sue you when they win the lawsuit)

If they do anything above, you can file a complaint with them with the FTC or your state's attorney general. Record your conversations and turn the tapes over the attorney general! Fight back you have rights.

2008-04-10 12:18:42 by shanelkdaysinel516@verizon.net

Price: $9.95 $9.95

I have a Credit Card debt with a collection agency, can I request a signed copy of the contract before paying? Do they have to provide me with a copy? I am of understanding such documents should be kept for 7 years legally. I have requested this information and they have provided me with everything but the information I have requested - a signed contract?

Many Thanks in advance.....

they hate you

2008-04-20 18:09:17 by David A

When does debt collecter call you?

Do they call if you just dont pay of your cards even if you pay the minimum or more then it?

When there is no payment at all.

2009-04-22 12:11:47 by Skylight