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Contrary1 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:07 AM Original message |
Credit Card Debt --Here's one I had never heard of... |
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Mojorabbit (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:11 AM Response to Original message |
1. wow |
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NMDemDist2 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:11 AM Response to Original message |
2. more of the lovely "Bankrupcty Reform Bill" coming home to roost |
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patrick t. cakes (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:17 AM Response to Reply #2 |
8. just paid off 1300 my self. |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:39 AM Response to Reply #2 |
15. delete -posted in wrong place |
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LynneSin (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 07:28 AM Response to Reply #2 |
32. Sorry buddy - that one came from Debt Councilors |
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Dukkha (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:27 PM Response to Reply #2 |
58. I found out last year my credit card issuer |
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roguevalley (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:25 PM Response to Reply #2 |
67. thank Joe Biden and a few for this. |
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kirby (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:13 AM Response to Original message |
3. My understanding... |
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alarimer (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:28 AM Response to Reply #3 |
40. My monthly minimum payments have NOT gone up. |
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kirby (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:34 AM Response to Reply #40 |
46. Its 'optional' |
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msongs (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:14 AM Response to Original message |
4. they signed a contract. what does the contract say? And... |
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Justice (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:17 AM Response to Reply #4 |
37. the contract typicall permits the credit card company to change the contract upon notice, |
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Double T (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:14 AM Response to Original message |
5. The criminal banks are desperate for cash and this seems to be......... |
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sinkingfeeling (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 10:24 AM Response to Reply #5 |
53. Look, I have compassion for people, but the how is the bank 'robbing' from their customers if said |
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Mnemosyne (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:14 AM Response to Original message |
6. Sickening. I am so sorry for your daughter and husband. |
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MADem (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:17 AM Response to Original message |
7. One of my family members got in credit card trouble. I didn't particularly |
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twenty4blackbirds (418 posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:18 AM Response to Original message |
9. my differing view |
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Contrary1 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:28 AM Response to Reply #9 |
12. I know... |
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Dr.Phool (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:36 AM Response to Reply #9 |
14. A $200 dollar a month bill isn't a very large accumulation of debt. |
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RayOfHope (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:31 AM Response to Reply #9 |
45. We had two hospital stays that resulted in that much debt |
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sandnsea (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:45 PM Response to Reply #45 |
64. All kinds of stuff, I know |
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Dr.Phool (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:20 AM Response to Original message |
10. Who is the card issuer? |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:25 AM Response to Original message |
11. This is the new "cold turkey" payback plan that our legislators gave us. |
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Prefer (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:30 AM Response to Original message |
13. maybe she can transfer the balance to another card? |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:55 AM Response to Reply #13 |
18. Those balance transfers are only available to people with clean credit. |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:41 AM Response to Original message |
16. Be Wary of Credit Counseling/Consolidation Outfits - They're run by the CC industy |
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Trekologer (445 posts) Send PM | Profile | Ignore | Tue Feb-05-08 07:50 AM Response to Reply #16 |
34. Know your fair debt collection rights |
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Contrary1 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 11:55 AM Response to Reply #34 |
55. The person calling did not claim to be an attorney... |
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Le Taz Hot (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:09 AM Response to Reply #16 |
43. I have to disagree. |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:24 AM Response to Reply #43 |
44. I didn't say they were "unscrupulous" |
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Lydia Leftcoast (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:53 PM Response to Reply #44 |
72. When I had to declare bankruptcy in 1998 (bad year for my business), |
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Lydia Leftcoast (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:50 PM Response to Reply #16 |
71. Go to a non-profit that is clearly not tied to a credit card company |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 11:51 PM Response to Reply #71 |
74. They're all technically non-profit. |
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Wizard777 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:51 AM Response to Original message |
17. GET A LAWYER. |
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Jed Dilligan (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 01:56 AM Response to Reply #17 |
21. That's a known way to get out of debt |
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NuttyFluffers (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:36 AM Response to Reply #21 |
27. well, libraries often offer days with free lawyer consultations... |
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truth2power (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:23 AM Response to Reply #17 |
39. Good advice. Just MO, but the best money spent right now |
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Kat45 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 01:36 AM Response to Original message |
19. That could be a bluff about the sheriff coming to her work. |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 07:05 AM Response to Reply #19 |
30. It sounds like ham fisted intimidation tactics to me. |
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Berry Cool (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 07:21 AM Response to Reply #30 |
31. In fact, you can tell them over the phone to stop contacting you at work |
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althecat (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 01:45 AM Response to Original message |
20. There is a long and sad history of banking being used in this way.... |
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question everything (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:02 AM Response to Original message |
22. I thought that the new guidelines was 2% |
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fishwax (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:19 AM Response to Reply #22 |
25. I think it's the entirety of finance charges and fees plus 1% of the principal |
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Digit (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:05 AM Response to Original message |
23. I would be interested to see what Clark Howard would say about this... |
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Skittles (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:14 AM Response to Original message |
24. my guess |
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earth mom (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:31 AM Response to Original message |
26. Some collection agencies will lie & say anything to get the debt paid. |
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Fresh_Start (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 06:33 AM Response to Original message |
28. regulators required that banks up the minimum payments nt |
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MadHound (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 06:56 AM Response to Original message |
29. Jt is because of shit like this that I never got a credit card |
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EnviroBat (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:53 AM Response to Reply #29 |
50. Good for you! |
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WritersBlock (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 07:45 AM Response to Original message |
33. Why does it have to come straight out of the checking account, I wonder? |
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kirby (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 11:25 AM Response to Reply #33 |
54. Its a collection agency tactic... |
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WritersBlock (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:08 PM Response to Reply #54 |
56. Huh. Those bastards. |
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WhollyHeretic (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:37 PM Response to Reply #54 |
60. They tried to do that to me about 10 years ago |
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Matariki (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:40 PM Response to Reply #54 |
69. A collection agency did that to my sister. It's illegal |
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HiFructosePronSyrup (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:05 PM Response to Reply #33 |
66. I just noticed this last night. |
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Andy Canuck (234 posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:03 AM Response to Original message |
35. Just to note, the viral advertisement at the top of my page is for AMEX. |
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ordinaryaveragegirl (853 posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:03 AM Response to Original message |
36. Sounds fishy. |
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WolverineDG (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:22 AM Response to Original message |
38. Your daughter & sil should contact a consumer lawyer NOW |
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Tesha (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 08:38 AM Response to Original message |
41. I've always believed the correct answer to this sort of situation is "Call my lawyer". |
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ThomWV (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:07 AM Response to Original message |
42. She will NOT be "served papers at her place of work" - they are feeding a line of shit |
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Matariki (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:42 PM Response to Reply #42 |
70. Hmmm. I've known that to happen though. |
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EnviroBat (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:46 AM Response to Original message |
47. They can't get what people don't have. |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:52 AM Response to Reply #47 |
49. Hear hear! |
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EnviroBat (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:58 AM Response to Reply #49 |
52. Right! |
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northzax (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:49 AM Response to Original message |
48. they are bullshitting you, and her. |
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MissB (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 09:57 AM Response to Original message |
51. She can stop the harassment - please read. |
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TrogL (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:19 PM Response to Original message |
57. Young people are the only people with cash |
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backscatter712 (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 12:34 PM Response to Original message |
59. Been there, done that. |
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SOS (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 01:07 PM Response to Original message |
61. The collection agency is violating the law. |
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cap (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 01:09 PM Response to Original message |
62. they can't extort the full amount from your children like that |
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renate (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 02:34 PM Response to Reply #62 |
63. k & r for all the good advice on this thread and especially in this post |
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blondeatlast (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:01 PM Response to Original message |
65. I'm so very sorry. The banks have already written off those that bought beyond their means |
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Cleita (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 03:30 PM Response to Original message |
68. A good payment record means nothing if you pay late or not the |
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colonel odis (1000+ posts) Send PM | Profile | Ignore | Tue Feb-05-08 04:00 PM Response to Original message |
73. serve papers? for what? they're just trying to scare your daughter. |
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