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I called our credit union and was considering applying to one of their low interest, no fee card (have a choice of a 7.

It requires no credit check but apparently will still help improve my credit score.

Run my credit and get another unsecured card (and if you pick this option, do I get the low interest or the rewards card)? I think it would be hard for you to get an unsecured card with all these recent bad credit events. Maybe that is why she had mentioned this type of credit card. A secured card acts just like an unsecured, but you secure it by your own cash. This will then help you reestablish credit and later you can apply for a secured card. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our I think it would be hard for you to get an unsecured card with all these recent bad credit events. Maybe that is why she had mentioned this type of credit card. A secured card acts just like an unsecured, but you secure it by your own cash.

This will then help you reestablish credit and later you can apply for a secured card. Do you know - when does the foreclosure hit our credit report? Should I apply for an unsecured now before the foreclosure hits my report? Should I do any of those or stick with the secured card since I prefer to use our own money and re-establish credit. Appreciate your feedback I would get an unsecured card if I were you and then just place money in a savings that is used strictly to pay the credit cards as needed. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of need long term loan bad credit personal loan immediately the firm or any individual attorney. Please Read our I would get an unsecured card if I were you and then just place money in a savings that is used strictly to pay the credit cards as needed. The comments by me and the materials available at this web site local loan companies are for informational quick and easy payday loans purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, bad credit short term loans or walk away legally from their underwater mortgages. Mid year last year, we stopped paying on this card. I received a letter about two weeks ago that the debt had finally charged off. I know that my annual fee was usually due in the mid fall from them.

I just find it odd to receive a check from a credit card company I owe money to.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. How many years do they have to still come after me?

How many years do they have to still come after me? The statute of limitations on credit card debt is 6 years in Arizona. If it were myself I would continue to make no contact with them until they reach out to you with an offer to settle the account. HB 2412 adds a credit card to the type of debt that must be prosecuted within six years after the cause of action accrues. Creditors and debt collectors have a limited time frame to initiate an action for loan for bad credit instant decision debt (lawsuit) against debtors for nonpayment of credit card bills. In Arizona, the statute of limitations for a contract in writing is six years after the cause of action accrues, or within six years of the date the contract went into default (Arizona Revised Statutes (A. The comments by me local loan companies and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most same day payday loan of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The payday loans salt lake city opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer No charge off just means they wrote it off their books. My brothers friend had a Discover card and the SOL was six years and Discover waited five years and eleven months to file against him.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer do you (or anyone else) know what is a reasonable percentage I should expect to settle with? She had only a part time job and earned minimum wage and had no assets. When she was served she offered a settlement amount of 25 percent and they refused so she just filed bankruptcy and they got nothing. It MAY list who is handling the debt on your credit report or you can contact Chase and they should provide you with this information. Step 1: Tell the consumer reporting company, in writing, what information you think is inaccurate.

Include copies (NOT originals) of any documents that support your position.

In addition to providing your complete name and address, your letter should identify each item in your report you dispute state short term loans no brokers the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. I am writing to dispute the following information in my file. The items I dispute also are encircled local loan companies on the attached copy of the report I received. This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (local loan companies use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please local loan companies investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information.

After the information provider receives notice of a dispute from the consumer reporting company, it is required to investigate, review the relevant information, and report the results back to the consumer reporting company. If this investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide consumer reporting companies so they can correct it in your file. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I thought so too.

She had only a part time job and earned minimum wage and had no assets. When she was served she offered a settlement amount of 25 percent and they refused so she just filed bankruptcy and they got nothing. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I know. She was going to borrow the money from her mother to try and settle. She told them she was filing bankruptcy and they told her to go ahead. Who knows, maybe they saw her account still on their books and realized they had a month left to try and collect so they threw all their scare tactics out there to force her to pay up.. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.