Archive for August, 2009
August 25th, 2009 | 
Author: 
Lizsplace asked:
I have had a credit card debt of just over $2000 for quite a while now and my monthly interest rates are almost $100! Is it worth taking out a personal loan at a much lower interest rate and paying that off instead?
Willow Jarvie
I have had a credit card debt of just over $2000 for quite a while now and my monthly interest rates are almost $100! Is it worth taking out a personal loan at a much lower interest rate and paying that off instead?
Willow Jarvie
Shannon G asked:
Can anyone tell me what personal property is exempt from seizure from an unsecured debt in Pennsylvania?
Hmm, according to every website I’ve seen, they can take you to court and have the sheriff seize property if that’s what the judgment ends up being, even if it’s unsecured debt. Unsecured just means they can’t just take something you bought on their credit card back, they have to take you to court to get a judgment against you. It’s just while most states have this info online as to what can not be taken to Sheriff’s sale, PA does not.
Scot
Can anyone tell me what personal property is exempt from seizure from an unsecured debt in Pennsylvania?
Hmm, according to every website I’ve seen, they can take you to court and have the sheriff seize property if that’s what the judgment ends up being, even if it’s unsecured debt. Unsecured just means they can’t just take something you bought on their credit card back, they have to take you to court to get a judgment against you. It’s just while most states have this info online as to what can not be taken to Sheriff’s sale, PA does not.
Scot
*~Cam’s Mommy ~* asked:
My husband I got married a year ago and we had to pay for our wedding ourselves along with our honey moon. We ended up in a great deal of credit card debt from this as well as trying to furnish a home. We have a personal loan for 19,000 that we are paying off along with about 10,000 in credit card debt. We can pay the bills but we can only pay the minimum payments which are leaving us broke every month. I want to do something about this before we end up not being able to pay these bills. Any suggestions?
Rocky Yunes
My husband I got married a year ago and we had to pay for our wedding ourselves along with our honey moon. We ended up in a great deal of credit card debt from this as well as trying to furnish a home. We have a personal loan for 19,000 that we are paying off along with about 10,000 in credit card debt. We can pay the bills but we can only pay the minimum payments which are leaving us broke every month. I want to do something about this before we end up not being able to pay these bills. Any suggestions?
Rocky Yunes
J T asked:
I have approximately $15K in various credit card and hospital bill debt. I am looking for a good company that does debt consolidations/loans.
I have approximately $15K in various credit card and hospital bill debt. I am looking for a good company that does debt consolidations/loans.
There are lots and lots of companies available but i’ve heard there are both good and bad ones out there. Personal experiences are highly important so if you have any – please share them.
Also, is there any rating/review service or consumer guide that has written about this field? Web Links?
Lucretia Darrup
jeremy82many asked:
I’ve been dealing with a debt collection agency trying to make me pay for a phone line I never had. I’ve gone through all kinds of calls, and for some reason, Sprint does have my personal info, and says I did create a home phone account. I have never owned a home phone in my life though. I had them send me copies of the bills, and there were never any calls made on this line, etc. But I’m getting away from my original question.
I’ve been dealing with a debt collection agency trying to make me pay for a phone line I never had. I’ve gone through all kinds of calls, and for some reason, Sprint does have my personal info, and says I did create a home phone account. I have never owned a home phone in my life though. I had them send me copies of the bills, and there were never any calls made on this line, etc. But I’m getting away from my original question.
I am trying to find out what state the debt originated in. This is because the statute of limitation on debt determines the validity of the debt. Different states have different SOL’s so I need to find out what state Sprint debts originate in.
I’ve looked all over the internet, but cannot find any answers. HELP!
Thanks all!
I live in Florida, and did at the time the “debt” originated. I believe the creditor can pick whichever state has the longer SOL. Luckily Florida is 4 years, and that passed a few days ago. kansas is only 3 years, so that’d be great.
Delia Buchauer
Cesar G asked:
Anyone know about a website to help me, I mean a loan company to do the paperwork online and deposit the money on my bank account?
Please Im desperate
Moira Marquart
Anyone know about a website to help me, I mean a loan company to do the paperwork online and deposit the money on my bank account?
Please Im desperate
Moira Marquart
Dave asked:
My personal finances are in ruin. I cannot pay my credit cards and am currently trying to find a solution. Can a creditor attach a claim on my LLC’s bank account that we use for our store? I have 2 employees and the store basically just breaks even. All credit card debts are in my personal name and not the name of my LLC. I live in the State of Washington.
Luther Munkberg
My personal finances are in ruin. I cannot pay my credit cards and am currently trying to find a solution. Can a creditor attach a claim on my LLC’s bank account that we use for our store? I have 2 employees and the store basically just breaks even. All credit card debts are in my personal name and not the name of my LLC. I live in the State of Washington.
Luther Munkberg
barbie asked:
OR who can lose their professional license for having bad personal debt
Noel Ourada
OR who can lose their professional license for having bad personal debt
Noel Ourada
DivaKeya asked:
I was recently behind on a couple of payments on my car note due to an illness and not being able to work. The account manager threatened to reposses my car if i did not make payment that day (which I did). She also asked me in exact words “What exactly is wrong with you” and then threatend to repossess my car because she claimed I was to sick to pay. Was the debt collector wrong for asking this type of question, are there any legal actions that I can take against this?
Tyler Blanchfield
I was recently behind on a couple of payments on my car note due to an illness and not being able to work. The account manager threatened to reposses my car if i did not make payment that day (which I did). She also asked me in exact words “What exactly is wrong with you” and then threatend to repossess my car because she claimed I was to sick to pay. Was the debt collector wrong for asking this type of question, are there any legal actions that I can take against this?
Tyler Blanchfield
Posted in Personal Finance | 
Tags: Debt Collector, Legal Actions, Personal Health Questions | 
2 Comments »
kslittlebear2003 asked:
My husband and I have accumulated serious debt within the past two years. We currently have 5 personal loans with company’s here in town. I am currently a stay at home mom, so he is the only one with income. My question is how can you pay off these loans with a limited income and actually get ahead of their game!
Jarod Guillerault
My husband and I have accumulated serious debt within the past two years. We currently have 5 personal loans with company’s here in town. I am currently a stay at home mom, so he is the only one with income. My question is how can you pay off these loans with a limited income and actually get ahead of their game!
Jarod Guillerault