8885054942 / 888-505-4942 Reverse Phone Lookup

Best Answer - Chosen by Asker It can be very stressful on some people. You will also start getting letters in the mail from them that may eventually turn more demanding. Bottom line is that credit cards are unsecured so they can not take your car, house, furniture, etc. Their only recourse is that they can really damage your credit rating and or garnish your wages. I would suggest contacting each of your original credit card creditors (not the creditor of record) and ask to have the account closed; this will stop interest from accruing. But this is rarely the answer. Or a debt will continue to grow. So it's best if you settle with them as it'll save you money. Ask for a final bill and then just try to pay a certain amount on each balance if possible or put them aside and concentrate on your mortgage and children. If you have a credit card with a low balance with available credit it may be a good idea to keep one card for emergency situations (unless you have some savings available) and just pay the minimal amount or even concentrate on paying it off (to save on interest charges). Once you start earning more income, either try to pay off the balances of the closed accounts little by little or if you're in the position to, contact each credit card company directly and make an offer to pay a % (usually 50-70%) of the balance owed (think about your offer before you call them). If you choose to do this, stay firm on your offer and document everything. Request to mark the account paid in full (keep all documentation and proof of payment). Most companies will accept this because they feel that something is better than nothing. They may make a counter offer and they'll most likely end up calling you back to accept the offer. Good luck

Tina called and said they were a process server and that they were going to serve me papers here at work because I supposedly had a credit card that I hadn't paid in 3 years. I have no idea about the credit card and was told that since it was on my credit report, I was responsible for it. I told here that what was on my credit report other than what I supposedly owed, was none of her business. She asked me if I had ever had a judgement against me. I told her no. I asked her what this was all about and she said that she did not have any of the information, and that I would just have to wait for the papers to be served. I am suspicious and don't want to deal with these people. I asked why no one had tried to reach me with regards to this matter. She told me that they were not going to chase me down. I told her that by calling me at work, they were violating my rights of the fair debt practices act, and that by doing that, I could dispute this bill. If these people want money, do not send them anything until you get something in writing.