Category Archives: Debt Consolidation

The employers don’t care

I’ve worked there for 9 years and it was nothing but night mare. They waited a week after I came back to work after the doctor released me. I was still in pain but not as bad. They wanted me to do thing that I wasn’t able to do. I told them that the doctor told me to take it easy and no lifting after 20 pounds for a while and I even had a doctor’s note. I was not completely healed. They don’t care. They like this girl who took my place for temporary but then made it permanent. A friend of mine who is still working there told me that she had screwed up big time and the employers are trying to fix the problems. That’s not my problems anymore. I will not go back even if they begged me. I was under paid and over worked. I found out that I made $2.00 less than the temporary girl and a friend of mine. That hurt me big time.

All I want now is to look for another job and get this bill collector to stop calling me. I’m even thinking about writing a letter to the credit card company to explain to them that I can only pay $25 a month like I have been and have them to tell the bill collector to stop calling me. I want them to drop the interest rate and the late fee charges from my bills. Can I do that? I also want an itemized statement since I’ve lost some of them while moving and my husband accidentally burn them.

Anything will help me to get these people to stop calling me even on my cell phone. I would like to know how they got my cell number. The last time that I’ve talk to one of them, I made them mad and I really don’t care. They want information of my husband’s job and etc. I told them to leave him out of it and leave him alone. They don’t need to know anything about my husband’s job, income and etc. They even tried to trick me of asking me of what my husband make and want to negotiate. I told them that I’m not going to tell them anything. Do they have the rights to do that?

Answer:
You can send a “cease and desist” letter to the collection agent. I do that for all ours. Others here say that while they have to respect that, it is a trigger for lawsuit. I have not experienced this as yet.

I will not talk to collectors on the phone – all I will say is “I do not accept business calls at this number” and hang up immediately. You cannot trust anything they say over the phone anyway – everything has to be in writing. And they sure don’t like that!!! Was it Walmart? (your employer). Because I have heard many horror stories regarding them and FMLA violations. Somebody ought to do something…. (besides us no longer shopping there).

I work in HR and they can just fire you but if I were you I would file a claim with the EEOC for wrongful termination and see where that takes you. I am in the process of doing that for the last job that I was at I was wrongfully terminated and from the story that you are telling it sounds like you were too.

As for the debt not sure what you can do, I think that as long as you make payment arrangement and keep those arrangements they can not do anything to you. As for wanting your husbands info if you are the only person on the card they can not even ask for his info. I would ask to see if they are willing to settle with you I just learned that most creditors will settle for .40 cents on the dollar but not sure if they all are like that.

Hope this helps some, just know that you are not the only person in this situation and just take it one day at a time.

Visa refuses to remove ex-husband from credit card

I was about to go with Greenpath or CCCS and let them negotiate down the interest rates on the credit card so I could get them paid off more easily. I recently found out my ex-husband is still a joint owner of one of the accounts although he does not use it and doesn’t have a card for it. His name is just still on it. He signed a letter the bank provided to remove his name from the acccount and in fact wants off it. Just got a letter back from VISA refusing to remove him because my debt is too high. And that means I can’t go with either of those programs since he won’t be part of it.

Is there anything I can do? Other than just close the account? My credit cards are all with Chase and I was told Chase is one of those companies where all the cards have to be part of the program. I have three chase cards, but this one with his name on it, is the highest.

We have discussed here several times about sending them a drop-dead letter. One of the best places to get a sample is clarkhoward.com and do a search on drop-dead letters. You must send it registered mail so that you have proof they signed for it. Once you know they have signed for the letter, anytime they call, tell them they are in violation of the Federal law and are subject to you suing them. You must then keep a log of every time they call, what number they called and who spoke to you – by name if possible.

Someone recently stated that to save money, you no longer need to send it return receipt, If you send it registered, you can get your proof on-line.

Specifically, tell them they are violating the “Fair Debt Collection Practices Act” and you will call them once every month and if they call you, they will speak  to a dial tone, then hang-up! From my experience…. you cannot get an ex-spouse off an account unless you re-finance it in your name only.

This because, when they opened the account they considered both of your credit and lent to both of you and now you are saying only one person will take responsibility. So, it makes sense, as icky as it is.

I am stuck on my ex’s upside-down, repossessed car loan. He won’t or can’t re-fin and he repossessed it and won’t pay on the balance, so who knows what will happen. The divorce papers gave him the car and the loan, but that means nothing to the bank. Oh well..

I would definitely close all cards, but don’t think that will help at this point. Just snowball your way through it and once she’s gone – close her up.!!!

My ex took a van we bought together in the divorce and assumed all responsibility for it and the money still owed. When he stopped paying they started calling me and garnished my wages. I went back to court and got a judgment not that i ever expect to ever see any of  the money he owes me. And the lender and debt collectors all insist the divorce  settlement, signed by a judge, was illegal. Yet the judge held the divorce document to be  legal and binding when signing the judgement saying the ex was to repay me for the garnishment.

That is where I’m worried… I am in the same boat. So far, I have only had the calls… I went to the bank and asked them to send me papers with the balance and payment history, etc, so I could see what was going on. Nothing…….

(I also needed that because he claimed to have turned it in on repo by a certain date, and yet the van was seen at my workplace shortly after that and my son says that the van is “hidden” in his backyard still…. the bank said it has not been repo’d but they would like to. But if they give me no information, then how can they expect me to repay the loan? )