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Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.
This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like “Dick Brockman” and they say things like “In five days we have to go to court and seize all of your assets.” Again, in some states this is illegal to say. One thing you always have the right to do: Say, “Show me the proof I owe this money.” Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is?
) but he was convicted of bribing a company that made him millions of dollars.
Every state has different laws on how collection agencies are allowed to talk to you.
You signed a contract where everyone knew the risks.
That’s where all the mansions come from while you were struggling to pay your mortgage. Or worry about killing yourself or feeding your kids. You weren’t trying to be bad, but (as the banks already modeled) sometimes bad things happen to good people. I was also late on a state tax return (but not federal). Just those two things and because I have no credit cards (so no opportunities to show regular payments) my credit score fell from 780 to 580.
Default in the credit card industry is, by itself, an entire industry that many people benefit from. But here’s the good news: not everyone will follow this advice. But if you are struggling and your kids need food and your marriage is at stake and you lost your job, then simply stop paying your credit card debt and follow the process I describe above. I would say mortgage debt also but that’s another post.
My mom would scream at my dad, “I told you not to give him money! This means decisions are instant, but also inflexible.If you're thinking of applying for a mortgage, loan or any other form of credit first look at these all-too-easy mistakes you could make that could damage your file and result in rejection.Even an accurate entry on your credit file, such as a missed payment, can turn into errors.That's because defaulter notices should be scratched from the record after six years, but this isn't always done.