Question: Is it legal for creditors to obtain garnishments from a consumer's bank account?
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Question: I recently had a consumer at the store I work at give me her husbands credit card. I refused to use it since it was not her credit card. Is it legal for the wife to use the husbands credit card?
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Question: A few years ago my wife co-signed on an auto loan with her friend. She gave them her contact information, but was not the primary on the account. We ran her credit report recently, and discovered that her friend has been more than 30 days late close to 80% of the time over the last couple years. This has killed my wife's credit. We spoke to the bank, and found that they have been in contact with "her", and have signed documents from "her". My wife has not been in contact with the bank at all. So, how How can we convince the bank it wasn't her they were speaking to?
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Question: A credit card company recently bumped our % rate based a payment that was 4 days late. We cannot make the new payment and they refuse to work with us. Is it better to make partial payments or no payments from a legal standpoint?
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Question: I was applying for a house, and found that I had a bill from a former apartment complex on my credit report that I was never given notice of. The apartment complex has never tried to contact me, and now it is in collections. I lived in this apart. over 3 years ago. Don't they have to give me some sort of documentation to tell me I had an outstanding charge? Now that it is in collections the apart complex wont talk to me. do they need proof?
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