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credit card · Many Thanks · Wages

Hello. I have a credit card that is past due and over limit.. the amount i owe on it is about 1000$, i got a letter in the mail for a settlement offer where i would pay 448$ in 3 months and then my acct would close with a balance of 0$. I was wondering if this would be a good idea to take this settlement offer or if it would be better to just try and get it paid off? Thanks alot.
it would be turned into the credit bureau as a debt settlement

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Acct · Credit Bureau · credit card · Debt Settlement · Letter In The Mail

Is a long story but to cut it short, I can’t get back my money now. I was being setup as boyfriend and gal friend. The girl pretending to be my gal friend told me that she was in financial difficulty and ask me to help her out by swaping my credit card in advance first after which she will pay me back at end of month. She bought herself clothes, shoes & bags which amounted to RM4.5K. It is only through trust and verbal agreement i agreed to help her out. Later on I found out that she was cheating me of my money. Right now, she refuses to settle her debt and even threaten to file sexual harassment report against me not unless I cancel off her debt. I thought of taking this to small claims court but then I was told that if I do not have any written agreement to support my claim it will be of no use. I do have recording evidence but was told it cannot be accepted as an evidence. Has anyone come across this situation before? I do not know what to do now. *sigh* Any advise is welcomed.
The person who passed me the small claims forms told me that recording evidence cannot be accepted. I will check further on the law in my country.
My legal advisor told me that audio or video cannot be used as evidence in court as the contents can be manipulated.

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amp · clothes · credit card · evidence in court · financial difficulty · gal friend · Money · sexual harassment · shoes · small claims court · small claims forms · verbal agreement

I owe a large amount on my credit card and have not made a payment in sometime. I now have a lump sum of money and wanted to see if the cc company would negotiate on the amount owed. Much of that amount is late fees. Can anyone help me?

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cc company · credit card · Late Fees · lump sum · sum of money

My husband and I recently purchased a house. Right before our purchase we found out about a delinquent credit card. To make a long story short, it was a credit card that was in my husband’s name that he was to use when he was in college that his mom was supposed to be paying for. My husband had no idea that there was a delinquency until we were notified by our lender. The account has been closed since 2002. It states on his credit report that the "account closed at consumers request, charged off account, bad debt; placed for collections; skip." We do not want to bother his Mom about this. After no communication with Discover, for 5 years, we have now received a letter from Northstar Location Services, a collection agency (not from Discover), for a settlement amount which is 40% of the debt. What should we do, contact Discover, deal with the collection agency, or something else? I realize everything needs to be in writing beforehand, but can anyone advise me on this at all?
I will check out your other posts, Studly, thanks…as far as my concern with it, it is mainly because of the recent contact with the collection agency now after so many years. We were still able to get the loan for our house, so I am not really concerned about that part of it. Since it "technically" wasn’t our debt, but my mother in law’s, the bank didn’t really care. Actually the amount was pretty significant, 00 with an offered settlement of 00, which is why I’m extremely surprised that we were not contacted before about this. I believe the statute of limitation on credit cards is 3 years in our state. I know they can still take us to court over it but its probably unlikely since the statute of limitations has run out. I just don’t want to settle on an amount and still have it show up on our credit history for another 7 years. I think this just may be a last ditch effort by the collection agency to get some money and I just want to make sure we make the right decision.

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3 Years · bad debt · Collections · consumers · credit card · Credit Cards · credit history · credit report · delinquency · delinquent credit · last ditch effort · location services · Mom · Money · mother in law · right decision · statute of limitation · statute of limitations