has any one ever dealt with a company called credit card relief?
vulcanv60236 asked:
i am trying to help my dad get out credit card mess he is 81 an this is from a past business that the debt has come from an all he has now is his social security check to work with. i am trying to pay his bill but the intrest is killing me
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i am trying to help my dad get out credit card mess he is 81 an this is from a past business that the debt has come from an all he has now is his social security check to work with. i am trying to pay his bill but the intrest is killing me
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Tags: Credit Card, Dad, Social Security Check
February 18th, 2009 at 6:11 am
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I haven’t done this…but a friend of mine just did. Credit Card Relief is just going to call the credit card companies and ask to “settle”. That means they’ll close the account and you won’t be allowed to use it anymore, and in exchange, you’ll only have to pay a fraction of the bill. My friend skipped the Credit Card Relief place and just called the credit card companies herself. She told them of the financial trouble she was having and asked if she could settle her account. They ALL agreed, she’s paying less than half of her original debt and almost all of them agreed to a reasonable payment plan.
February 19th, 2009 at 8:09 pm
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I hate to be rude but DONT PAY IT
(and advise your dad not to pay it either)
he is 81 and his ss is not garnishable
He wont need credit as I assume he already has a house
Probably wont be buying a car anytime soon.
cancel his phone
get a new phone in your name (so he wont get any more calls)
He might get a summons in the mail…if he does, he goes
tells the court he is indigent or that his only income is social security….the courts can’t touch this….
If the house where he lives is in his name, he might need to transfer it into your name or that of one of your siblings if it is paid off to protect it….talk to a lawyer about that to be sure, (I am obviously not one but the laws of each state are a bit tricky so be SURE of this move)
Do this and the
bills are written ofd
so what if he gets a 500 credit score….no mortgage company would finance him anyway for a 30 year loan….
What else besides the car and the house would he need credit for?
February 22nd, 2009 at 1:34 am
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This is the best advice I can give you.
Go and speak with a bankruptcy attorney immediately. It’s possible that all of your father’s debts could be discharged in bankruptcy.
Good luck.