Go to Suzeorman.com and go to suze on tv and radio then to financial questions and send her an email, she is really good. more

I would try calling one more time and if you get the same man ask to speak to his supervisor, then explain the situation to them and they probably will... more

Yes, they can garnish your check for both at 25 percent, however, depending on your income the second garnishment might be lowered until the first one... more

Provision for bad debts is an attempt to anticipate any expected losses caused by the bad debts and to make an account to record loss which is estimated... more

Just another sad fact of life. Banks only lend money to those who don't need it. You can only afford 3 for the price of 2 if you have the money to buy... more

I believe they could...I think it is best to discuss this matter with a lawyer or credit debt counseling service, though.  more

Chances are not in your favor dear.  i suggest you try fighting/clarifying your credit report by contesting some of the "old" things and the like. ... more

Take you to court.  garnish your wages or any income coming in.  put it on your credit.  i don't think they can put you in jail.  they... more

A wage garnishment can only take place if there is a judgment that has been granted (unless it's child support).  The garnishment is filed with the... more

There is no point of taking a loan over a loan. You have to struggle hard and work over time. You also need to cut short your expenses. Make a budget stating... more

I live in Michigan and here are some examples of income that are exempt from garnishment: You may want to go to your states legal page and look under garnishments. ... more

Are you looking to get a loan?  I dont think it will affect you in any way, since you really have nothing to do with it. I would ask a credit counseling... more

The  note for payment is still in place, so yes, legally, you are still responsible for the deficiency balance.  more

Look up a pro-bono attorney(free help with your case) or an attorney that will take your case on a contingency(take a % of what you may win) , a para-legal... more

As far as the statute, it depends on what state.  In Michigan, if there was no judgment granted, it's 6 years from the date of last payment. ... more

If official notice is given to you about the wages garnishing then you have to get a lawyer because it will be hard to stop the garnishments with no lawyer.... more

I would contact your Human Resource person at work and get the paper work for it. You can make a draw on it, and depending on how much you have in there... more

If there is a judgment against her or both of them, social security is usually exempt from garnishments where as pension is not exempt.  Most judgments... more

I went online to your Minnesota Government page:   How Much of My Paycheck Can They Take? If you do not have an exemption they will take part of... more

You would have to get a Real Estate Lawyer in Harris county, Texas who will overlook all the proceedings. He will also guide you about all the mandatory... more

The best and fastest way to pay your credit card debt is to earn by doing extra work. There is no point to take another loan to pay it quickly. However,... more

Generally the companies that claim to take people out of debt are fake or trap people in another vicious circle of payments. So I believe they are a bad... more

A Debt instrument is a paper or electronic based obligation that enables the issuing party to raise funds. It is a written promise made by the debtor to... more

Collection agencies have representatives working for them. So if she has informed one of them or two who called perhaps now someone who is not aware of... more

If you deposit the cheque and it is bounced back for no money in the bank then you can sue the person or company which cheque is bounced. You have every... more

Yes you can do that. You can actually write it off as a loss on your taxes. Contact your accountant. more

That will depend upon the creditors, you can negotiate with them and fixed upon an amount. But from my point of view it would be beneficial if you can... more

Check your state laws or the contract that you signed that is related to that debt. However through the credit burroughs the length of the bad credit or... more

Yes Yodlee is a reputable company which offers innovative financial applications that make online banking more profitable. You need to register with them... more

You seem to have done fine other than to fill in the explanation of your general question. In general, subprime loans ( those that are of a higher interest... more

The only "reasonable amount" is the payment as stated in your purchase contract. The company has no obligation or responsibility to accept a lower payment.... more

Budgeting is not a difficult task. You need to make a list of your expenses first. The heads of the expenses can be Food Exp, Grocery Exp, Electric Exp,... more

You should contact a credit counseling service, and see what they say to help you raise your score.  You will have a lower interest rate, and lower... more

It depends on the state that you live in, but usually Social Security is exempt from garnishment, where as pension is not.  Go to your states government... more

You should be debt free once you satisfy your financial obligations. It's nice that you plan to donate the extra money to charity and to help your family... more

1st is the lender a private entity or a bank? If it is a bank then the answer is no. (as long as the judgement creditor is not the bank trying to repossess... more

No that is not true, when you owe on a credit card it can take up to 45 years to pay off, when you owe on a mortgage it can take up to 30 years, so that... more

It is not a good idea to use a retirement plan to pay off any debt, no matter what it is.  Have you consulted a debt negotiation or financial consulting... more

You should get a credit report on yourself first. This will tell you everything that you owe, past due bills, your balances, etc. more

The only way there is a chance to try and reduce the debt is to learn from your mistakes....... Quit voting for Republicans!!! When Bill Clinton left... more

Stays on your report for seven years..then written off as a bad debt. more

You have to apply for grant from the government. If it is approved then you can get grants. Otherwise, you have to apply for loan from the bank to pay... more

Yes as both parties try to reach a understanding that tries to help you both and you can make your on decision. more

Not necessarily. I have been told the important fact is the paying on time and the ratio of debit and income. Pay them down to about 50% of the credit... more

Until iti is paid off. you need to find out how much it was total to begin with and then go over your paystubs and figure up how much you have paid to... more

This varies from state to state, but generally you are responsible for a repossession of a vehicle. I know they cannot garnish Social Security, but I don't... more

You are not obligated to pay any debt that has not been tried to be collected on for 7 years. Since it is 7 years old or older it will not show up on... more

Sorry, I misread the question. I don't know about the creditor reporting it stolen, I thought you reported it stolen and wanted to know if they can report... more

It is possible to borrow against your 401(k) you can also withdraw money for certain qualified emergencies but unless it is a Roth 401(k) then you will... more

Find out which courts the judgements are registered with and contact them for details of who filed them. So you can follow them to the company that made... more

Generally a debt made by a minor is unenforceable unless it is for essentials food, shelter, etc. If it is for anything non-essential,credit cards, car,... more

As long as you are paying on the bill, it will report your payment history, but if you let it go delinquent and a collection agency is collecting the money... more

Well you were supposed to pay your debt on time but have not done so and what ever the bank dealing you are having if it is related to debt and he knows... more

They are but usually not for financial intstitutes etc. they just won't do it. Usually done with aquantences. more

It probably depends on your states rental codes but in the states I have lived in they cannot charge you for normal wear and tear. How ever they can charge... more

Any lender you are likely to deal with in this situation is probably going to be operating on the wrong side of the law. Communicate, in person if possible,... more

Although most 401-K plans allow for personal loans, few if any companies can turn around a loan request in 3 days. Such requests have to go through a... more

If it equals to what his debt is, and if you let him use your address for what he is in debt for, yes, they can take whatever they want. more

Well there is only one way you can go in order to lower the charges on the transaction of your checks which is 25 %. There are many ways which you can... more

The laws have changed so you cannot just take you debt and file bankrupts as easily as before. This is due to people abusing the system. The best thing... more

Yes, they can take your car. Your loan is secured by the car so if you stop paying on it then they can take it back. Before that happens you should... more

Probably not. Most collection agencies want cash, check or MO. But, you can always ask them. more

I'm pretty sure they can collect from a domestic partner.  If you are in serious debt, you should try and contact a good company for debt consolidation... more

Yes debt can be collected from the domestic partners and their is no regulation which stops the collector agencies more

The SOL for Missouri is 5 years but since the debt was acquired and went delinquent while living in TX, that SOL applies which is 4 years. Either way,... more

Yes.  You didn't mention if it's a wage garnishment or a bank garnishment.  If the wage is substantial, the second creditor will have to wait... more

For the sake of your credit, you really should pay off the account. But if you can prove that he used and benefited from the card, you can sue him in... more