Is it legal for a creditor to start calling on a payment that isn't due yet or come by your house in calif?
960787
According to consumer action:\n\nTwo laws protect consumers from abusive debt collectors: the Fair Debt Collection Practices Act, a federal law; and the California Fair Debt Collection Practices Act. The federal law applies only to third party collection agencies, or those agencies collecting debts on behalf of original credit grantors. The California law applies to both original creditors and collection agencies.\n\nYour most powerful weapon against a collection agency under the federal law is to write a letter asking them to stop trying to contact you, although this doesn't mean you don't owe the debt. If the agency continues to harass you, it is in violation of the federal law. It can communicate with you only to inform you that it plans to take actual legal steps.\n\nThe following restrictions apply to collection agencies under federal law and to all bill collectors under California law. Collectors CAN:\n\n    *\n\n      Contact you by phone between 8:00 a.m. and 9:00 p.m.\n    *\n\n      Contact you initially by phone, but within five days must provide you with a letter that reflects the amount of the original debt, plus any interest that has accrued, the name and address of the original creditor, and a statement that states you have 30 days to dispute the debt.\n    *\n\n      Contact your lawyer only, if you have one.\n    *\n\n      Contact third parties only in order to locate you.\n    *\n\n      Charge interest on the debt if it was called for in the original contract or if allowed by state law. Rates may vary by state. In California, interest may be charged even if it was not in the original contract.\n    *\n\n      If you ask the collection agency to verify the debt within 30 days of when it initially contacted you, it must stop all collection efforts until it does.\n    *\n\n      Demand payment in full. Most collection agencies will let you make partial payments, but if you default on the agreement, they can insist upon full payment.\n    *\n\n      If you request in writing that a collection agency stop all communication with you, it must stop. But it can communicate with you to inform you that it plans to seek legal remedy or it is terminating collection efforts. (This is a Federal law and does not apply to original creditors.)\n\nThe following prohibitions apply to collection agencies under federal law and to all bill collectors under California law. Collectors CANNOT:\n\n    *\n\n      Contact you by phone before 8:00 a.m. or after 9:00 p.m.\n    *\n\n      Fail to state: the agency's name, address, and phone number; the creditor's name; the amount owed; interest owed.\n    *\n\n      Attempt to or collect more than is owed.\n    *\n\n      Use any language that is obscene, abusive, or profane.\n    *\n\n      Call constantly so that they deliberately annoy or disturb you.\n    *\n\n      Threaten to sue you or garnish your wages, unless they intend to actually take this action.\n    *\n\n      Threaten to ruin your credit.\n    *\n\n      Threaten to send a sheriff to your house to have you arrested or your property seized.\n    *\n\n      Threaten to take any action that they cannot legally take.\n    *\n\n      Discuss your debt with third parties, or reveal to them that they are calling from a collection agency and that you owe a debt.\n    *\n\n      Insult you or a third party.\n    *\n\n      Use phony documents that appear to be from a law office or government agency.\n    *\n\n      Contact you at work if the collector is aware that your employer prohibits such calls.\n    *\n\n      Contact you after you have advised a collection agency in writing to stop.\n\nAdditional California Debt Collection Law\n\nCalifornia law allows original creditors and bill collectors to contact an employer for the following reasons only:\n\n    * To verify the debtor's employment and location.\n    * To set up wage garnishment after winning a judgment in court.\n    * To verify medical insurance fo
165431
Call the company they will give you the payoff amount as of the day you call.  Credit reports are not up to date as of the day you order them.
277981
pay the bill on time...
958792
Call the credit card company and make sure that your payment was received.
1063314
your payments are deferred for a few monthes but you will be charged the interest on the unpaid payments
770913
Have you contacted the company?  That would be the first and most obvious step.  You may be mistaken about being owed money or the company may not be legally obligated to pay it to you at this point in time.
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.
151363
Not unless they report to the credit bureaus.  If they don't report, than it's not doing anything besides delaying your payment.  Most of the time places like that don't report until you are grossely delinquent.
182613
Depending on the type of account(installment or revolving) it can take anywhere from 30-90 days. Their is no legal requirement that they report at all to the credit bureaus. The creditors do it so they can monitor their customers credit and have that power so you will be persuaded to pay on time.\n\nThis is called credit reporting lag. Also be aware that some credit card companies are now only reporting high credit(the highest amount you have charged in a month) and not balances and credit limits like they should.\n\nGood Luck
910666
If it goes past due...it will hurt your credit score. Ask them if you can make an interest only payment...that should help with a little extra cash and also not hurt your credit. If they agree, make sure you first ask if they will report it as a delinquent payment.\n\nMike\n\n================
1180398
I agree with spade_2nite, something doesn't sound right if they are contacting you for payment - if they had recieved a judgment.\n\n\nContact your county court clerk and ask if there is a judgment or a suit filed in your name. (You can also go to the clerks office and request to see your file.)\n\nIf there is no judgment or pending suit filed, that company is violating your rights. If that is the case - speak with an attorney immediately!!!\n \nIf there is a judgment filed and you had been properly served, check your state statutes for the exemptions in your state.\nFor example -  exemptions "may" mean that they cannot garnish your wages, take your car, take funds from your bank account etc. It all depends on "your" states exemption laws. \n\nAfter you check with your county court clerk and find that there is or is not a judgment against you, it may be best to speak with an attorney. There are many attorneys that will give a free first consult   \n\nAlso, I would suggest purchasing a tape recorder and the next time they call, tell them that you are recording the call. Some states allow you to tape without informing the other party that you are taping, you would have to check your state laws on that. But, if you cannot find your states laws on taping, then be sure to inform them you are taping when they call.  \n\nTell them that recieving phone calls at your home and place of employment is inconvenient for you and that you are requesting they contact you by the U.S. postal service only - be sure to have that on tape. By law, if you tell them to cease calling - they are "required" to stop calling.\n\nIf there is a judgment against you, filing for bankruptcy may not be the wisest thing to do - depending on the dollar amount of the judgment and your other debts. \n\n\nI have included a link so you can check your states rules of service
765135
Are you saying that you have been late on your payments?\n\nDepending on the documents you signed, in most cases a creditor has the legal right to use reasonable means to collect on a legal debt, or to obtain information that can be used to collect on a legal debt. The car lot's remark to the landlord can be interepreted in different ways, and it is debatable as to whether or not such a remark is injurious to you.  \n\nThe contact with the neighbor might be illegal if the company revealed personal information about you. For example, if the company said that you were a deadbeat and were not making payments for a car you purchased, then that is probably beyond the bounds of what is legally acceptable. However, if the questions were more generalized, such as asking the neighbor if he or she knew you and your wife, prefacing it that the neighbor was listed as a personal reference, such questioning is probably acceptable. It all depends on what was asked, and what personal information was revealed.
812974
Generally no.  Most retail mortgage packages are generated by computers after the variables, including closing date, are input by an operator.  The first payment is usually due on the first day of the 2d month following the date of closing (sometimes the the 1st of the following month if the closing is early in the month) to give the processors time to get the payment paperwork done.  You can, of course ask ahead of time.  Your lender may be willing to accommodate.
320816
If you are talking about a repo--- It is there duty to retrieve the auto if you are behind in your payments. They are hire by your lender.
729515
You'll become a victim of ....UNIVERSAL DEFAULT....if your other credit cards find out you were late on another card, they CAN and WILL bump your interest rate on their own card as high as possible (up to 28%)......it's part of the terms of any credit card.....you can't risk screwing up w/ one creditor and expect the other creditors not to notice....they run arbitrary/random credit checks on their account holders and......\n\nany reason under the sun to increase your interest rate....they will jump at.
1052074
There is no legal prohibition for the creditor of an outstanding debt obligation to do period checks on the status of your credit (i.e. inquire on your credit report).  Collection agencies do this quite often and the inquiries alone should not affect your credit score (the bad debt will though).  If you believe the underlying debt they are collecting is improper, then you should dispute it through the three credit bureaus - TransUnion, Equifax, and Experian.
158246
Yes they can start calling you the first day it is late. No they can not take your house. You have to be 90+ late for foreclosure proceedings to start. Also most lenders allow a minimum of 10 days after the due date before they can charge you late fees. However like I said they can begin calling you the first day it is late.