0
Everything but, medical and utilities.......
Wiki User
∙ 14y ago
Add your answer:
Earn +20 pts
Can a credit bureau place accounts back on your credit file after they were disputed and removed?
Hi, I am a bill collector by profession of 3 years and the only way they can put an account back on your credit file is if you sent in a dispute letter, they reviewed it and took it off your file, then after the investigation of the debt found you had no proof to show that the debt was satisfied. If they found the debt has been satisfied and you have proof or if the person who owes the debt is deceased and you have the death certificate, then I would contact the attorney general and they will make the credit bureau remove the debt off your file. But make sure that even though it's on your file, it doesn't have a satisfied marking because when debts are satisfied they will appear on your credit report as such. Hope this helps.
If credit card has judgment against your wife can they take your tax refund if you are sole early but file jointly?
No. Only legal government debts can be used against your refund in the FMS refund offset program
How does one report debt owed to them to the IRS and the credit bureaus?
Individuals cannot report to credit bureaus concerning debts that they are owed. Individuals should file a lawsuit in the appropriate state court and when (if) they are awarded a judgment the judgment will appear on the debtor's credit report. Individuals cannot report such matters to the Internal Revenue Service.
What happens when the credit card on file with a company you owe money to is invalid?
They say that I am in contract to pay for everything. They have my credit card and that's it. What can happen if the credit card on file is invalid?
Can a a credit company file the same account twice on your credit report?
It happens and can be disputed. Call you credit card company or credit agencies.
How do you find debts owed to file bankruptcy?
get a copy of your credit report from all three credit bureaus
If you and your spouse are separated but still legally married can you be held responsible for the debts incurred after the physical separation?
You'd better believe it. Even if the Judge rules that you are not responsible for certain debts, the credit card companies don't care. They will come after you anyway and your credit report will be affected. If you have a "legal" separation" read what it says about these debts. Contact the credit bureau and place a notice in the file that you are legally separated and not responsible for the spouse's debts. This may prevent the spouse from getting more credit. Doubt it will help what has already been done, but do everything you can to get the records clear on that subject. Then cancel all credit cards in both names and open new cards in your name only. Close your checking account and get new one. Then get the divorce rolling. Only when you are legally divorced are you safe from any future debts incurred by the spouse.
Can you file for bankruptcy with a repo on your credit?
The fact that you have a repossession on your credit report is not a determining factor of whether your can file for bankruptcy. Generally in bankruptcy you can remove the debts from the repossession of your vehicle.
You have 2 evictions on your file they were dismissed how do you get them off of your file?
First, How long has it been since you were serve with the evictions? It is the same as having bad credit issues. It ios reportable to your credit file. You have to wait for at least seven years before they can be cleared. In the mean time, send copiesof the letters that proved they were dismissed and challenge them with the Credit Bureaus. Worst thing is it will be with you for 7 years. i hope this was helpful.
When filing bankruptcy what do you do with creditors that 'drop off' your credit reports before you file?
Your credit report is irrelvent. Certainly many debts are not on one. If you owe the debt, report it.
Can a man file bankruptcy without his wife's involvement and if he does how will she be affected?
A husband (or wife) may file for bankruptcy separate from his or her spouse. Technically speaking, this should have no effect on the other spouse as they are filing bankruptcy for their separate debts and you will not be held responsible for their debts nor will it be reflected on your credit report, etc. It is important to note that those debts you held jointly will remain with you (the spouse that did not file for bankruptcy).
Is your estate responsible for your credit card debt after your death?
Answer: Your estate is responsible for all of your debts when you die. The assets don't always cover the debts but any creditor can file a claim against the estate for money you owed them.
You are 82 years old your house and car are paid for older home and 2001 car but you have a lot of credit card debt Can you file for bankruptcy just for your credit cards?
You file bankruptcy on all debts you owe. If you only owe money on credit cards you can file on them. Otherwise, if you owe money to a doctor, hospital, bank or other place you have to list them.
Can you legally negotiate with individual creditors for a letters of deletion from your credit file after the bankruptcy invovling the accounts has been discharged?
no it has been filed with the state and will stay on your credit report
Should I file for bankruptcy after a repossession and other bad debts piling up?
Only if you think that you cannot get out of the debt, or if your credit score is already very bad.
If you file chapter 7 on debts you acquired before you got married would that affect your spouse refinancing and credit if you are not on the loan?
NO, that would not effect your spouse or partner.
If you own a business and you want to file Chapter 7 would business related debts that you put on personal credit cards be covered?
Yes, if you have acceptable documentation.
