I need help with a credit card company

[Joe Sharp]

Filing for bankruptcy in Kentucky does not cancel all of your debts. You may be required to pay the following:

• Alimony & Child Support
• Taxes
• Student Loans
• Purchases of luxury items within 90 days of filing
• Fines owed to federal or Kentucky government agencies
• Debts accrued as a result of fraudulent activity
• Recent Cash Advances

[nosniboR11]

dude get an education , you lowlife

[ehp6737]

It doesn't matter if it's an outside collection agency or the financial institution in-house collection team calling. If they're calling in the capacity of trying to collect a debt, then you have rights. The Consumer Protections Act allows you to notify the party in writing your desire not to be contacted in relation to the matter any longer (make sure you send it certified mail). After they receive your formal notice and if continue calling you, then you may file a complaint with the FTC (Federal Trade Commission) and your State Attorney General's office. If they are found to have violated the CPA, then you can be entitled to a settlement from the bill collector. As far as bankrupty, I'm not sure about Kentucky (every state's laws are different) but it wouldn't suprise me if your debt is too small to file for bankruptcy as you have stated. In the grand scheme of things your debt is rather small and you could be much worse off. You said yourself you haven't spoken to an attorney and it sounds like the facts you have been stating have been coming from the very people trying to collect a debt from you. Obviously they're worried about them, not you, and they are not going to tell you the rights that you have. They're are plenty non-profit agencies that can assist you with this very matter, you just need to do some real research and get out of the f*n gambling forums!!!!!!

[Banjo Man]

No money, no job, no home... you got bigger problems than the annoying phone calls. Just ignore them, what can they do... call you some more for no money. Bankruptcy, not worth it unless you are carrying some serious debt. Just don't pay and work out your other problems... your in the same boat as most other people. When your straight you can send them something.

[robmpink]

Gotta love some advice in here. A judge will just throw out the case because someone doesn't have a job?

[ThaWoj]

i've had capital one card i haven't paid in a year. i never answer the phone and just throw away the mail from them. they don't even call anymore, guess they got tired of trying.

ps i've had a bankruptcy before (in 2005) when i was like 15k in cc debt at 23 years old. it does f up your credit but its not like its prevented me from living life. you'll be ok, just don't pay them if you can't. worst thing that can happen (for now) is that they'll just continue to be annoying but they can't do anything 'criminal' to you. Even with your amounts that you are in debt, its too little for them to bother wasting their time to go to court.

PM me if you ever need advice or questions b/c I've been through it ALL. BELIEVE ME. homeless and everything. f'd up cc's, bank accounts, utility bills, rent leases, eb@y, p@yp@l, you name it. and it is easy to give up hope trust me i've probably gotten very close to killing myself at least twice and thought about it a million times. but you never know might happen the next day, things do get better.

CREDIT CARD IS THE LEAST OF YOUR WORRIES IF YOU THINK YOU'RE IN A BAD SITUATION. THERE ARE MUCH WORSE THINGS.....

[ttwarrior1]

Can't file for bankrupcty in ky over credit cards, Also i will not allow them to take me to court or sue me. Yes where i live they treat credit
cards like bad checks. If you don't pay after you are sued they put you in jail. Yes, true , fact. I"ll likely not be homeless but almost.
they have numbers to all the places where i watch sick people. Id rather answer the phone then have one of them answering the phone . Not a single one of my friends, mom or relatives know that I'm in debt and its gonna stay that way if possible.

Its gonna be very annoying to me after paying 100 a month for the last year and a half and 4 months from now all that being wiped out because they raised my interest back up and fees because of not paying. My credit is already ruined so i could care less about that part. I haven't bought anything in years that I need credit for anyway. Have to have money to buy stuff.

Where i live each wednesday in the local paper they have a list of people being sued, who is getting divorced etc. It would say in bold letters BkofAma or discover or whoever vs the persons name. In a city of 5 thousand, your life pretty much gets ruined here when
this happens. I'd rather pay then have this happen.

[ThaWoj]

imo your pride should take a backseat in order to make up for mistakes (or to make 'wrongs' into 'rights').

Its your choice though, so best of luck in whatever you do.

[blackbeSSt]

Can't file for bankrupcty in ky over credit cards, Also i will not allow them to take me to court or sue me. Yes where i live they treat credit
cards like bad checks. If you don't pay after you are sued they put you in jail. Yes, true , fact. I"ll likely not be homeless but almost.
they have numbers to all the places where i watch sick people. Id rather answer the phone then have one of them answering the phone . Not a single one of my friends, mom or relatives know that I'm in debt and its gonna stay that way if possible.

Its gonna be very annoying to me after paying 100 a month for the last year and a half and 4 months from now all that being wiped out because they raised my interest back up and fees because of not paying. My credit is already ruined so i could care less about that part. I haven't bought anything in years that I need credit for anyway. Have to have money to buy stuff.

Where i live each wednesday in the local paper they have a list of people being sued, who is getting divorced etc. It would say in bold letters BkofAma or discover or whoever vs the persons name. In a city of 5 thousand, your life pretty much gets ruined here when
this happens. I'd rather pay then have this happen.

source needed please. and you think its up to you if you get sued or not

tt i think you are full of shit. i've never heard of a state that wouldn't allow you to not file bk over credit card debt.

http://www.legalconsumer.com/bankruptcy/filing-bankruptcy.php?ZIP=40601&ST=KY&FIPS=21073&CITY=Frankfort

Do you need to file for bankruptcy?

Chapter 7 bankruptcy is the neutron bomb of debt management and asset protection. A Chapter 7 is quick (a few months), and quite complete when it comes to wiping out unsecured debt like credit card and medical debts. You may want to save it for when you really need it--you can use Chapter 7 bankruptcy only once every seven years.

[ttwarrior1]

Dude i already looked into it and i said i wouldn't file anyway if i could. Im asking if there is anyway i can stop paying them and they stop calling me , nothing else. I don't think people are reading the whole posts. I cannot afford to get sued , sorry if you cannot handle that. Its what i posted, so don't be posting to file bankrupcty or all these other crap posts. Not a single post in here helps me

[frizzelli]

Have you tried sucking dyk a nickel at a time? Should be able to buy a twinkie a day to keep you fed!

[RudyRuetigger]

Here are my plays in this thread:

1st take your $20 freeplay and put it on this: 10/06/2010 @ 05:00 PM CFB[304] CENTRAL FLA -12½-11010/09/2010 @ 09:00 AM CFB[312] WISCONSIN -21-130 (B+1)10/09/2010 @ 09:00 AM CFB[325] BOS COLLEGE +10-130 (B+1)10/09/2010 @ 09:20 AM CFB[340] GEORGIA -13-11010/09/2010 @ 04:30 PM CFB[388] KENTUCKY +7-110

Dude i already looked into it and i said i wouldn't file anyway if i could. Im asking if there is anyway i can stop paying them and they stop calling me , nothing else. I don't think people are reading the whole posts. I cannot afford to get sued , sorry if you cannot handle that. Its what i posted, so don't be posting to file bankrupcty or all these other crap posts. Not a single post in here helps me

you said you own nothing and have nothing. why exactly do you not want to get sued then?

[Nater]

change all your numbers......stop paying........you have nothing to lose.........

[Nater]

Wait till they post your picture in the paper for non payment.......Then take out a 1 page ad to be the Mayor........We need you in the office....

[freeVICK]

just get a job. you have a sticky situation with your sick relatives and all, but there are jobs for anyone. For yourself, find an Internet job where you can work from home, maybe beg walker for a mod job...

[ttwarrior1]

id expect an answer like that from someone named freevick. If i could do an internet job id do it 16 hours a day if i could.
Actually I am a mod at 2 poker forums and another fantasy football forum.

[blackbeSSt]

Dude i already looked into it and i said i wouldn't file anyway if i could. Im asking if there is anyway i can stop paying them and they stop calling me , nothing else. I don't think people are reading the whole posts. I cannot afford to get sued , sorry if you cannot handle that. Its what i posted, so don't be posting to file bankrupcty or all these other crap posts. Not a single post in here helps me

then no. there is no way for this to happen. if there were a way then all of america would do it and there would be no banks or credit card companies cause people would fvck them over after racking up thousands of dollars in debt.

if you are waiting for a magic post to say "ttwarrior1, all will be forgiven and you will not have to pay for the debts you incurred" then you have bumped your GD head.

edit: and no, you can not be thrown in jail for not paying your CC debt. you have been fed misleading information by the bucket load. either that or you are still full of shit (which i vote for) and none of this is true because you sure aren't making any factual statements

[ttwarrior1]

no no no, your wrong about that.

You are not thrown in for cc debt. You are thrown in jail because after getting sued and not paying. Its the same as cold checks here or
not paying child support. They even have a paid employee here that checks nearly everyones credit history and criminal history , etc
at least once a week.

[ttwarrior1]

ok 1 simple question then

In about an hour when i call discover card and tell them i can't send them 100 by the 9th, what do i say???? Saying i don't have the funds doesn't even work. They even threatened to take the money out of my account anyway which would make me overdrawn. they take it out of my checking account each month , 100 bucks.

[blackbeSSt]

no no no, your wrong about that.

You are not thrown in for cc debt. You are thrown in jail because after getting sued and not paying. Its the same as cold checks here or
not paying child support. They even have a paid employee here that checks nearly everyones credit history and criminal history , etc
at least once a week.

no no no, you're wrong about that. you CAN NOT be thrown in jail after being sued. please for the love of god show me some sort of reference on that since you have yet to supply any shred of evidence about anything else.

here let me help you since you are full of shit:

http://www.answerbag.com/q_view/1962806

http://wiki.answers.com/Q/Can_you_go_to_jail_for_being_sued_for_credit_card_debt

http://www.e-credit-card-debt.com/Credit-Card-Debt/Can-I-Go-To-Jail-For-Credit-Card-Debt/

ok 1 simple question then

In about an hour when i call discover card and tell them i can't send them 100 by the 9th, what do i say???? Saying i don't have the funds doesn't even work. They even threatened to take the money out of my account anyway which would make me overdrawn. they take it out of my checking account each month , 100 bucks.

why do you have a bank account if you don't have any money?

[str]

Cut the payment amount, cut the interest back to 5% or so, or do not get any money. They're choice.Stop letting them feed crap to you and talk to them the same "as a matter of fact" tone as you answer these posts.Explain why you missed payments and tell them you can only handle 50.00 a month.
That is the answer and the only one that fits what YOU are trying to achieve.

With direct debit, just how did you miss payments?
This does not add up and it is frustrating talking to you because there is always a reason why you can not .Want to help but aim that at them and you should be O.K.