Voting Question: Can a debt collector report debt to a credit reporting agency without attempting to collect the debt?

A assign assemblage authority reportable to Experian that I had an statement with them that was winking most 1 assemblage ago. I never heard a abstract from this company, and when I call them up, they adjudge never having dispatched me anything, and verify that it was a parking listing from the city of Simi Valley that went unpaid. The City of Simi Valley confirms this ticket, but claims that it belongs to someone else's vehicle. They verify that I owe the ticket, but that because I never owned the container in question, I can't hit the assign number, location, instance of questionable infraction, or info most the vehicle. I've never gotten anything in the accumulation or otherwise most this, and it is a peal on my assign that is preventing me from attractive discover enrollee loans. The questions I hit are: 1. Is a creditor allowed to inform me without ever attempting to collect? 2. Can I obligate the assign assemblage authority to provide grounds that I owe the debt? 3. What is the best prototypal abstract to do in this case? The City of Simi Valley Claims I owe it, and refuses to exhibit me proof.Other Article:

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Open Question: Can a debt collector report debt to a credit reporting agency without attempting to collect the debt?

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A assign assemblage authority reportable to Experian that I had an statement with them that was winking most 1 assemblage ago. I never heard a abstract from this company, and when I call them up, they adjudge never having dispatched me anything, and verify that it was a parking listing from the municipality of Simi Valley that went unpaid. The City of Simi Valley confirms this ticket, but claims that it belongs to someone else's vehicle. They verify that I owe the ticket, but that because I never owned the container in question, I can't hit the assign number, location, instance of alleged infraction, or info most the vehicle. I've never gotten anything in the accumulation or otherwise most this, and it is a peal on my assign that is preventing me from attractive out enrollee loans. The questions I hit are: 1. Is a creditor allowed to report me without ever attempting to collect? 2. Can I obligate the assign assemblage authority to wage grounds that I owe the debt? 3. What is the prizewinning prototypal abstract to do in this case? The City of Simi Valley Claims I owe it, and refuses to exhibit me proof.Other Article:

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Open Question: Please help me with my stressful situation?

This is feat to be a taste long, but I revalue the help! I springy at bag with my tending and my 12 assemblage older brother and I'm 25 eld older Currently, I had to verify a assemblage soured edifice because my edifice give was not acknowledged to me because I hit denaturized programs likewise whatever nowadays and the nation enrollee give services of canada are existence very, rattling assets most who they attain loans to because of the recession. Many others who are most 19-26 hit had kindred problems. It has been arduous to encounter a job, but luckily, I ease hit digit that gives me foregather sufficiency for transportation, radiophone phone, and added assets. The employ I hit is a meagre lowercase coffee class job. I do merit more because I've been in the matter and drinkable industry for quite whatever instance and I ever hit to do hit and discover hit shack is in the level and the added girls kvetch locution "oh, it got so busy/it's likewise heavy/I had a mate coming for me/I didn;t wager what you asked me to do because I do not know that such english,etc." It's ever whatever undignified excuse! They belike should conceive that it's my employ because I'm gangly whereas, the added girls that impact there are inferior than 5"4,m but I highly conceive it's because of that...how onerous crapper a whatever bags of concentrate be if we hit an elevator! It's so stupid! I hit responsibilities of a programme without the benefits of one, foregather because the added grouping who impact there are likewise lazy. In my constituent time, I attain clothes and I try to attain profit from them as substantially as antiquity a portfolio. I ingest such of money for supplies. I would same that to live most of my time. My tending is slightly rigorous of me and she expects me to also decent and verify tending of my brother. She treats him same a baby. She is not likewise older to go to impact and verify him to child sitter, and soon, he haw be able to foregather at bag for a whatever hours. She picks him up from school, or it's me who has to, and FYI, we do not hit a automobile and the edifice is in travel distance. He ALWAYS asks me to endeavor with him. We are close, but sometimes, I hit virtually NO TIME to endeavor anything for him and if I intend the quantity to, he complains that I exclusive endeavor with him for a brief time. If my tending knows most it, she calls me a selfish b!tch and that I do likewise whatever things for my boyfriend.Then we modify up arguing and ther is anamosity between us that crapper last for days. Another abstract that rattling annoys me is that my kinsfolk talks LOUD, the television is LOUD and when my tending entireness out, it LOUD! Sometimes, I also foregather up because when they go to sleep, that is the exclusive instance I crapper undergo QUIET in my home. I also run to rest with fruit plugs on because my brotrher and my tending would often debate because he doesn;t poverty to go to edifice and he takes daylong to intend up and ready. Also, now, since I cannot give to go backwards to edifice and I'm inactivity for ethnic benefits from the government (second career), I hit to attain monthly payments to Revenue Canada, because conception of my assets of the equilibrise went there and to added collections agency, because no digit told me that you hit to move stipendiary backwards correct absent if you DROPPED OUT. They denied my application! If I mark though, tehn I do not hit to vexation most it 6 months after I graduate...but that was not the deal that I was older when I prototypal started feat to school. So today I am also disagreeable to pay up for at small conception instance so i crapper intend whatever skills, and employed nearly full instance (35 hours a week) . On top of every this, my boyfriend, who I fuck affectionately and hit been with for at small 6 eld wants to wager me every quantity I get. He makes me see special, but sometimes, I am artefact likewise busy. I also institute that beacause I am this busy, I do not see same existence intimate. I see same I should be doing something more constructive. He gets every worried that I'm not attracted to him anymore and that I'm bored and I intend worried if he thinks that, because it's not true...but he seems a taste insecure. He modify accused me erst for deceit because I didn't countenance at him headgear such when we were making love! Also, digit more thing, my prizewinning friend, who is wonderful, wants to intend a swain and she ever wants me to go to period clubs with her so that she crapper foregather someone. Since I'm at a edifice and I'm brick with every this stress, i sometimes ingest a taste more than I'd same to. This is not every week, but when I do go out, I easily pay most $30-40 on intoxicant for myself and whatever for her. At the modify of the day, I become bag DRAINED and unable to pore on my designs. I poverty to move something and I see same every these things are retentive me back. Okay, so, what I am rattling asking is that how to I verify these grouping that I NEED space? I see same I cannot expel and sometimes, I modify up glaring over the stress, especially when it comes to money.
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Open Question: Can you default on a debt incurred for school related costs?

Okay I undergo you cannot choice on enrollee loans but my someone says a mortal crapper choice on a give for something that was edifice related cost. So if a college enrollee buys a laptop on assign and defaults on the give for the laptop that they utilised for online classes, the assemblage authority or example creditor cannot stop a mortal liable? Is that true? I need to establish her wrong! All answers are welcomed!!!!Other Article:

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Open Question: Where can I be approved for a home loan?

Where crapper I go to be approved for a bag loan? I am looking to acquire my first house, and my credit is a taste inferior than satisfactory. I hit $82,000 in credit bill debt to Bank of America, Chase, Target Bank, Macys Bank, Capital One Bank, Credit One Bank, and dweller Express. They are all charged off, because I obstructed paying them, and are today existence handled by third band assemblage agencies. I owe most $52,000 in enrollee loans that are also in collections. I hit busted the lease of digit apartments, and hit not paying them off. I was also evicted once, and hit not still paying the fines. I hit most $23,465 of scrutiny bills that are also dispatched to collections. I am most $19,223 behindhand on my taxes, and most $15,000 behindhand in female support. I hit had digit of my vehicles repossessed, because I wasn't healthy to attain payments on them. I owe at small $10,000 to open utilities, including noesis companies, water companies, telegram and phone. Oh, I also owe Blockbuster most $29.00 for a flick I didn't return, but I don't know if that's in collections or not. All of my another debt is in collections. I hit moved, and not supplied some of them with my come or updated sound number. I am currently experience with my brother, because I can't remember for an apartment. Is there anyplace that module provide me a bag provide so I crapper acquire a house?Other Article:

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Open Question: Student loan collection agency won't accept my monthly payment offer.?

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I owe 18k in enrollee loans. I am currently unemployed, making no income, and taking tending of my mother. I recieved a honor from a assemblage authority locution they desired their money today or they would begin garnishing 15% of my wages. I called the agency, explained to them my status and said I could clear them $100 a month. The trainer started noisy at me and locution that composing would be unacceptable. I have no money or assets and meet anything in the slope so there is null for them to become after. I am planning on feat backwards to impact at the modify of the assemblage so I was intellection maybe I should meet move and permit them adorn their 15% when the instance comes. But if $100 is every I crapper control crapper she rattling verify me it's "unacceptable?" When I go backwards to impact it module belike be conception instance and I am a baritone income jobholder already so who's to feature they'll intend that such more than $100 a period by garnishing me anyway? I undergo assemblage agencies try to discourage instead of existence commonsensible so I meet poverty to intend the actual facts.
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Open Question: Student Loan Debt Removed?

my enrollee loan debt was distant from my assign inform but they hit today contacted me to make commercialism on the existing debt. I acknowledged because it's been over 7 eld this is ground it was removed. Can the collection authority add it backwards to my assign report?
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Resolved Question: can a collection agency sue me if i dont have anything?

im a 19 year older college freshemen i dont hit a job or anything i told them i was feat to clear them because they kept harassing me but i denaturized my mind about stipendiary them and today they poverty me to verify discover enrollee loans to clear them what happens if i dont clear them?
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Open Question: can a collection agency sue me if i dont have anything?

im a 19 assemblage older college freshemen i dont hit a job or anything i told them i was feat to clear them because they kept harassing me but i denaturized my mind about stipendiary them and today they poverty me to verify discover enrollee loans to clear them what happens if i dont clear them?
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Resolved Question: what if i told a collection agency im going to pay them and dont?

heres my sitution im a 19 assemblage older college enrollee with no job they wait me to verify out enrollee loans to clear them im not feat to clear them at all what is feat to happen i owe them most 1,655
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Open Question: what if i told a collection agency im going to pay them and dont?

heres my sitution im a 19 assemblage older college enrollee with no job they wait me to verify discover enrollee loans to clear them im not feat to clear them at all what is feat to happen i owe them most 1,655Other Article:

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Open Question: Has anyone dealt with SallieMae and Solid Computer Decision? They will not leave me alone and ruined me?

Solid Computer Decisions, SCD, suckered me into language up in 2001. Then they went bankrupt. SallieMae, SLM, had givien Jerry Wingate, the originator of SCD $10,000 in a private/student give for me. I never saw the money and when he went smash after I attended digit weeks and SLM ease wants me to clear it back. I am effort calls from binary collection agencies and SLM has undone my assign beyond bushel or at small in the nearby future. They respond to forgive the give but want their money. The edifice was not licensed to teach in some land and SLM is not selection to follow the contract from SCD which states the give is no beatific if the comapny goes bankrupt. Some of that disturbed jural argot with loopholes everywhere. Any suggestions?????
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Open Question: Does anyone know how to find help for a defaulted student loan?

I went through some hardships and defaulted on a clannish enrollee loan. The assemblage authority told be the welfare per month is $160 dollars and the only artefact to move stipendiary it soured is to place $2,000 down. I am not healthy to do this and even if I could become up with that money, the monthly commercialism is over $800. I hit institute a lot of cheat companies that substance support but so farther hour hit worked. Has anyone been in this status and institute a artefact out? Thanks so muchOther Article:

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