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Tag Archives: charged off

I Was Sending Less Than The Minimum Payment But What Happened to My Account? – Jan

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“Dear Steve, I was underemployed and am now totally unemployed and trying to still keep my head above water–not really working. No savings or retirement left; had to settle with one credit card company using last of my money and borrowed from family. Still have 2 cards left — way behind on those. Used cards to live on basically. I ... Read More »

I Had an Account Charge Off, Tried to Settle It, But Now I Can’t Pay. – Will

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“Dear Damon, I owe on a debt that was charged off and when I tried to make arrangements to settle it a couple of yrs ago the creditor didn’t have my account anymore. I tried to receive information from them about the recent creditor so I could try to settle the debt but they wouldn’t give it to me. Now ... Read More »

How Do I Deal With My Recently Charged Off Sears and Mervyns Cards? – Nancy

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“Dear Steve, Steve, I need more advice: I’ve just found out that I’ve two cards, Sears @ $1,300 & Mervyns @ $800 that have been charged off; Mervyns @ $1,200 has been closed. I have a good job, make good money so their was no perfectly sane reason why i stopped paying; I just did. Sears was charged off on ... Read More »

How Can I Owe a Debt The Creditor Charged Off? – Janet

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being sued by collection agency have several charged off accts a collection agency says i have a debt with them but the original creditor has charged off this acct how can i owe this collection agency anything? Janet It’s time to put debt behind you and start dreaming about your life after debt. – Click to Tweet The Answer This ... Read More »

What Do I Do About My Old Charged Off Accounts? – Andrea

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I have about 3 charged off accounts totaling about $4,000, they are due to “fall off” my credit report in about 2 yrs or less, but i have collectors calling and threatening legal action against me. I dont have money to settle on the spot, i was wondering if setting up a debt management plan w/ a credit counselor would ... Read More »

I Have Accounts With AMEX and B of A That Are About to go to Collections. – Edward

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Edward “Dear Steve, I am not a great storyteller so here is my situation- I have three accts with AMEX that are charged off and are about to go to collections total is about $8,000 I have credit acct with BoA that is charged off to the tune of $5,000, I don’t know what to do. I lost my job ... Read More »

If a Credit Card Company Charges Off a Debt Can They Still Sue You? I Was a Victim of CMS and Brad Daley. – Jay

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“Dear Steve, I also was a victim of CMS and Brad Daley. I was sued and got a judgment against me from B/A. My question is, If a credit card company writes the debt off, can an attorney still sue you? Looks like if the debt was written off the IRS would write off the total for the cc company ... Read More »

Capital One is Suing Me. Do I Have a Case Against Capital One? – Jody

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“Dear Steve, okay here we go I have just recieved a summonds in the amout of $9700.00 from a lawyer claiming to represent Capitol One. Now i’m not claiming that i don’t owe capitol one money but of course they have tacked on nearly 4,000 dollars to the initial 7,000 i was in default for. Now here is what happened ... Read More »

Our Loan Charged Off But They Still Want to Collect It. Can They? – Suzie

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“Dear Steve, We have a modified first on our home. The second mortgage has been turned over to a collection agency as it was “charged off” by the bank. We have an equity line of credit with a balance and we have not heard from them. This has been ongoing for more than a year. We are not flakes and ... Read More »

I Want Charged Off Debts Removed From My Credit Report. – Edward

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“Dear Steve, I have 2 credit card debts that total $30,000 that have not been paid in 4 years and the banks have written them off. 1 bank has already sent me a 1099 form last year and I already settled that tax debt with the IRS. I have no intention of paying these debt offs, since they drop off ... Read More »

I Wrote to You Before and Things are Getting Better. – Michael

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“Dear Steve, About 9 months ago, I wrote you in tough shape. I had racked up about $35k in credit card debt through undergrad, law school, and a period of unemployment before starting a job which I began last July. I’ve really been scrimping and saving, and between the money I’ve put from my paychecks into debt repayment, and my ... Read More »

Frederick Hannah & Associates Keeps Contacting Me. – Tammy

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“Dear Steve, Frederick Hannah & Asso. P.C. have contacted me per phone and state they are representing a certain credit card company. They are unable to prove they are indeed representing this credit card company as their client. I have contacted the credit card company several times and they state that this acct. has a zero balance and is closed. ... Read More »

Debt Settlements May Be Voided And the Money Due Anyway

A recent posting, “An IRS 1099-C Form Does Not Mean Debt is Discharged” caught my eye. It highlights a great potential risk for people that use debt settlement to eliminate their debt. The surprise is that while they think the debt settlement process has discharged their debt, it absolutely might not. A third circuit bankruptcy case recently decided that Form ... Read More »

What Do I Do About Lawyer Calling Me to Collect on Old Debt? – Jeff

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“Dear Steve, Due to a loss of income last year we have been unable to pay numerous credit card companies. We are stable now but cannot catch up. One of the accounts was charged off in the mean time and it was purchased by a debt-collection company. I have received a letter and a few phone calls from someone in ... Read More »

Regions Bank Won’t Work With Me to Let Me Pay What I Can Afford. – Tony

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Tony “Dear Steve, Need help getting this payment down or we won’t be able to pay it… I’m trying to get Regions Banks to work with me and my wife on a hardship program… My wife and I borrowed $95,000 for a business that has failed due to the poor economy here in Florida… We can no longer pay the ... Read More »

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