aj lewis asked:


Hey guys… thought I’d ask this here, I got a credit card about two years ago and just about four months ago I hit a financial road block and have been unable to make much payments. They sent me to collections recently and they have (collection agency), understandably, been calling a lot, however I explained my situation many times but they do not stop calling.

Just recently they have been calling my girlfriend’s house and I am not sure HOW they got her number. Her number is not listed which is even weirder. They call once every two weeks or so though. I did not put it on my card application because I was not with her at the time.

Do you know how this collection agency coulda got her number? And how I could get them to stop calling there?

June

k c asked:


In jan of 2007, when I was 17 years old, I had lied on my age on a credit application to American Express for a credit card. A few days later It came in the mail with a $2000 Limit. I had regretfully used it.

In Feburary, American Express had sent me another CC and I did not use that one nor applied. Also in Feb applied for Chase credit card and also lied on the app about my age. I Recieved it in the mail with a 2K limit. Desprate for rent, I had applied for 3 more credit cards all supplied from chase and had recieved them all with another 3K limit, 5K limit and 2800 limit. And also regretfully used it all.
In the same month I applied for Target (never used but got), Sears (used 250) Imagine(used 300) Credit one(used 300), home depot (used 500) another Imagine(Used 300). I regretfully used them all.
I am scared… Im not sure what to do. Now there in collections. In july I turned 18, and they call looking for the money.
Am I responsible for the debt? What can I do?

Frank

__A_YAHOO_USER__ asked:


I’m currently putting my application together and was wondering how my poor credit will effect my application. I have several thousand dollars in credit card debt with at least 2 collections. This is due to taking longer to get through school than I expected as well as not being able to find a job when I graduated. Not including student loans, I should be able to pay off all of my debt within a year of a stable job, and it would probably be less than that.

Tara