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FAQ

What will happen if I don’t settle all my credit card debts? Once you default on your payments, your creditor will mark you as a delinquent card member. Your credit card company to settle the bills will contact you. If you continue to ignore the notifications, you will be called more frequently until you reach a pre-determined number of missed payments after which the creditor will dismiss your case and turn over your...

When Debt Collectors Got The Wrong Person

Many of us are all too familiar with the kind of stunts many debt collectors are willing to pull just for a few thousand dollars. The fact that there are laws in place to protect consumer rights is not stopping these unscrupulous agencies from using threats, intimidation, credit card lawsuits, arrest warrants and jail time to extract debtors into paying their debts, regardless whether or not the other party indeed owns the...

Effective Credit Card Debt Settlement Negotiation ...

It’s best to consider negotiating any outstanding credit card debt you might have if you have been relentlessly hounded by creditors or if you are a victim of credit card harassment. By negotiating the debt, all collection efforts will end once and for all. Now, debt collection companies and collectors make money off credit card debt and they will try to get as much money as they can from debtors. You can assume that the...

Responding to a Summons

It is critical to start responding to a summons as soon as your local sheriff hands you the complaint. Debtors are only given a short period of time, usually 20 days, to file an Answer to creditors’ allegations. This simple guide will help you in responding to a summons properly. The summons will come with the complaint document. This document contains all the counts against you as well as the amount of money you allegedly...

Response to Summons: Card Statements Attached with...

Served by a summons with no credit card contract copy attached? In cases where in junk buyers file complaints to old delinquent debtors, they fail to provide a copy of the original contract (these documents are not turned over to them by the original creditor) and instead, come up with a vague affidavit to build their case. Make sure to check before you create a response to summons. It is within your rights to demand a copy...