Can your credit lender actually garnish wages if you stop making monthly payments? It depends on the state laws where you live. Most states have a provision for garnishment of wages as a solution for lenders trying to collect debt owed. Only a court judgment will permit your lender to garnish wages. If you have …
Can Credit Card Companies Garnish Wages if You Don’t Pay Your Bills? Read More »
Credit card debt is at all time highs and the ability to pay the monthly payments has been limited by high unemployment and a shaky economy. When you apply for a credit card, you check a box where you agree to the “terms and conditions” for your new account. These terms are written in tiny …
Can Credit Card Companies Seize Your Bank Account When You Are Not Able to Pay? Read More »
It is surprising how often consumers think creditors are restricted to placing collection calls only during business hours. It’s not uncommon for some for some to be irate at a rude lender daring to call after business hours. People complain about the interruption of the dinner hour or the intrusion on family time and claim …
Can a Credit Card Company Call You During Non-Business Hours For a Late Payment? Read More »
The headline above sounds like a simple question but as with many financial transactions, there are multiple laws and agreements that regular whether a merchant can charge more for use of a credit card for payment. Both MasterCard and Visa agreements prohibit this though some merchants have tried to get around the terms. Merchant concerns …
Can a Merchant Charge More for Use of a Credit Card for Payment? Read More »
Negotiating with credit lenders is becoming more and more common in these days, but this was not always the case. There was a time when people who found themselves with too much credit card debt would apply for loans advertised as “debt consolidation” or take out bank loans to pay off their high interest credit …
Negotiating With Credit Card Companies Can be a DIY Project Read More »
It may seem callous to family members that creditors seem to descend like buzzards after the death of a loved one but it may be the last chance the lender has to claim a portion of the estate to pay debt owed. When someone dies, an Executor is appointed by the court to distribute the …
Free Legal Advice for Credit Card Debt of Deceased Family Member Read More »
If you have a problem with credit card debt, knowing how to handle credit lawyers can save frustration and money. Obviously, you don’t need a lawyer to apply for a credit card or to make your monthly payments. Problems arise when you are unable to pay your debt as agreed or can occur if the …
Hire a Professional and know How to Respond to a Credit Card Lawyer Read More »
Where do you go when you need advice about debt? The best answer might be to talk to an attorney, but that can be costly. The internet is a rich source of legal and free advice about debt (if you just know where to look). Government websites abound with information about how laws affect lenders, …
Free Legal Advice About Credit Card Debt is Widely Available Online Read More »
How to reply to a summons for breach of contract may not be a topic you want to think about. However, if you have defaulted on payment of your credit card balances, you could receive a summons for breach of contract. Credit Card Debt Defaults This legal matter may happen to you years after you …
How to Answer a Summons for Breach of Contract of Credit Card Debt Read More »
When claims are denied, consumers often ask what they need to do in order to reassert a claim. Although you cannot simply file the same claim once a dispute has been resolved, you may be able to reassert a credit card claim if you have found additional supporting evidence or if there are other irregularities …
How To Reassert a Claim With a Credit Card Company? Read More »
