How do you find out where your debt is medical, student loans, Etc.
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M$3 Answers
- Any debt you have should be listed on your credit report.
- You are entitled to one free credit report per year from each credit reporting agency (Experian, TransUnion, and Equifax). The only official way of requesting these can be found at http://www.ftc.gov/freereports.
- In order to answer your second question, you need to research what kind of bankruptcy is appropriate for your situation. Information on the bankruptcy process and other bankruptcy info can be found at http://www.uscourts.gov/bankruptcycourts.html.
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M$This sounds fishy however this worked very well for me, as I have had over 3000 in debt wiped away from my credit reports buy these letters alone. Here is a good start of advice, as I stated I am no way affliated with this website, but by his free advice alone 3000 of debt was wiped and as a result I got full details of the rest of my debt that was owed.
http://www.budhibbs.com/coll_to_avoid_list.htm#ATTENTION_CONSUMERS!
I might in the future actually pay for this man's services to see what more debts I can negoiate or settle with. Basically what he does and most of these people who claim to rid yourself of debt merely write these form letters, since most companies are used to being avoided they will comply or contact the original debtor.
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M$
From the FTC.gov website: http://www.ftc.gov/freereports
"The FTC recently settled a lawsuit against Consumerinfo.com – which did business as Experian Consumer Direct – over the “free credit report” promotion it advertised on television, radio and the Internet, including its websites freecreditreport.com and consumerinfo.com. If you ordered a free credit report from Consumerinfo between November 1, 2000 and September 15, 2003, and were enrolled in its credit monitoring program, you may be eligible for a refund under the FTC’s settlement. "
Freecreditreport.com is a commercial website. It's job is to sell you on their credit monitoring program, and make you pay for you credit score. It is not recommended.
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https://www.annualcreditreport.com/cra/index.jsp is the only free credit reporting website out there. Period.
In response to the second question, student loans and IRS are not bankrupt-able, so don't file bankruptcy on those. If you owe on a car or house, you will lose them (unless you resign for them). You will have lousy credit for like 7 years, and all your loans will have terrible interest rates. Since you're considering bankruptcy, maybe that will keep you from borrowing your way into this situation again.
You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$
What people dont get is that 7 year BS myth, it is 7 years unless another credit breau buys their credit, and if the person makes a payment when these collectors of debit make an attempt, it starts the cycle all over again. That is a BS myth about 7 years because the original companies sell the debts to collection agencies, and most people who contact these people wanting to correct their debt are reinstating that 7 year law because it becomes owned by a new company.
Not quite. Another place may buy the credit and try to collect it, but they are not within the statute. They know that most people will end up paying it anyway, but they are not allowed to collect on debts that haven't been paid on in 7 years.
