If you have a charged off credit card Can  other company's call you every day and say they will sue ?
457309
Yes.  What the company that charged off the credit card did, was to sell your contract (account) to the collection agency/attorney that is calling you.  They can take you to court and sue for a judgment against you.  If you own a house they can put a lien on it. They can also demand $35 a week (or the sum the judge says) until the debt is payed off. Or, attach your wages.\n\nYou do have rights regarding their right to call.  You could call your State Attorney General to find out your rights.  (I know, after a while you want to disconnect the phone and except calls from no one.  I found it very depressing.)\n\nThe best thing is to eventually negotiate a settlement with them.  I think it is better to do this before it goes to judgment.  Also, Stay up with the court procedures.  As soon as you get served go to the Court house and fill out the form "Appearance".  I think if you look like a fighter they will be more willing to negotiate to a lower settlement.\n\nI got a lot of help from:\n\nwww.creditinfocenter.com\n\nGood luck!
296951
"Technically", just the act of using a company Debt Service Company does not hurt your debt rating.  However if they "negotiate" a special payoff amount of say a credit card debt then, yes the "Charged Off" part of the debt will show up as such on your credit report.  How long it stays on your credit report varies from State to State, with the average being about 7 years.
147200
depends on state laws.  I know here, they have to notify you in writing...then the calls start.  On the back of their written notification, it usually has the laws that apply to collections on them.  I know here (illinois) can write a letter requesting they no longer contact by phone...and they have to stop.
19098
To get the guy off the street is probably not your responsibility, but less within your ability.  If the credit card company has reimbursed you and covered it, it's more up to the company to decide how to proceed.  You should contact your credit card company to follow up and ask what they'll do to press charges against the one who defrauded you, if they know who he is.  It's more up to them to decide at this point, since they hold the information and the control, and since it's mostly in their best interest.  It's kind of you to think of the well-being of others, though, so I'd encourage that line of discussion when talking with the credit card company, and I hope they help.
829591
I understand your frustration. This happened to me with a "trip" I didn't want.\nSome company charged a trip to my card and when I called to contest it they said they talked to me on the phone and I agreed to buy the trip. I said no, play the recording for me. They wouldn't. I called my credit card company and told them take it off I don't want it. I don't have any part of the "trip" in my posession. The card company took it off and two months later put it right back on. I was furious, felt like I had been robbed. I had a lawyer call them and threaten them with a law suit.\n\nSeems to me your cable company could have authorized a credit to your card instead of making you wait.  \n\nIn the future, tell them you are recording the conversation because I have had so many instances of failed promises and twisted statements I could barf. Get a recorder that hooks to the phone line and turns on when any voice is there. Radio shack has them. They take a standard cassette tape and you can pause it if it is just a friendly conversation.\n\nTry not to let this throw for a loop. It most likely was a mistake not an attempt to rip you off. They most likely process thousands of forms a day.  But imagine if your card was close to max and that put you over the limit. You would have a fee of anywhere from $19 to $29! \n\nI got fed up with the constantly increasing rates of cable and switched to satellite.\n\nGood luck ...............
861042
No, phone them and set up a payment plan. They will try to work with you and avoid going to Court. It costs them money to go to Court. Or you can contact a local Credit Counselling company in your area. They can also help you set this up.
221291
Yes, I'm pretty sure that they can do that. I've known people who have had this happen to them, and there is really nothing you can do, except ask the company if you can pay it back gradually over time.
297587
Yes the can.\n\nIf/when a creditor "charges off" a debt, he is taking it off his books.  The loss can be taken off his taxes as a bad debt.  \n\nCollection agencies buy these contracts, and will continue to attempt to collect on them.  The only thing stopping them is the Statute of Limitations.  Depending on the state you live in, (Michigan, for example, is 6 years), they can still sue you.  After that, you no longer have a legal obligation to pay.
942437
Speak with an Attorney about this. Sometime some company don't have to abide by the POA, or they choice not too. \nGet an attorney involved, and I'm sure things will flows after that.  I do hope you are sending the company the copy of your POA, not the original!\n\nI think the company concern are who will be the person paying for all this credit card charges. Just to let you know, being given the condition of using her card, you are liable for all these charges.  Even though, your mom's name is on the card.  The company will be going after you for this.  I do hope you are aware of this.
74690
If you paid with a credit or debit card I would call the institution that supplies that card.  However, since it has been over a year they may not be able to dispute the charges.  You may need to speak to an attorney if the product was worth the value!
1178450
Call your credit card company and discuss this with them.  Can't hurt to ask.
771864
Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.
317712
Is this for your attorney, or for court ordered payments to the other parties attorney?  If it's your attorney then there is no specfic letter.  Just type up a letter listing the charges in dispute and why you think they shouldn't be billed.  If it's a court ordered payment for the other parties attorney then you need your attorney to type up a motion/order for the court to consider if the charges are valid.  \n\nAlso remember they get to bill for ANYTHING they do.  This can be talking with you on the phone, looking up a court case, typing a letter, etc.
848512
At this point Amex probably does not even own your account anymore, as for the charge off it will remain on your credit even if you settle the debt. Once it gets to charge off status you can't do anything about that. As far as paying off in installments the collection agency wants it in one lump sum. Their thinking is if you ca pay 1260 you can pay the whole amount.
556555
Yes they can and do all of the time. The only thing is to keep the card paid and current. My brother bought my grandmothers house and was executor of the estate. He still has her credit cards current and even her phone, the number is 50 years old. Now if you don't pay them and keep them up to date it would be a crime. The people are dead, who is going to sue you?
687001
Read the Fair Credit Protection Act.\n\nI've posted the portion that relates to your question.  Since you intiated the business transaction by calling them, they can technically pull your credit report.  About all you can do to prevent it is demand up front that they do not pull a report until you actually agree to do business with them. \n\nSince they have nothing in writing from you, it may be possible to pursue this.  It would be possible to this the inquiry removed from your report.  You could push it with the court, but I don't think it will go very far.\n\nGood luck
971884
yes if it is a problem for them, they can do that. look at your companies policy first to see if they can punish you or not, it should vary from company to company