Wednesday, November 21, 2007

daughter unpaid credit cards garnish wages

I have a daughter who went away to college and open up 2 credit card and now they are going to garnish her wages which isn't much and my concern is what can she do? She has moved and they stated that their is nothing she can do at b/c she never responded in which she just received the letter yesterday in the mail and b/c she work bankers hours and is not allowed to answer her cell phone while at work, that when she does return their call they are close. I need to know what can be done to assist her to get her credit in order?
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number one is stop making excuses for her
number 2 is realize she should have notified the creditor when she moved.
She gets a break. lunch and such. She can call them.
Nothing in this msg says anything about a credit report
she should have all 3 with scores so she can work on them.
she should pay the cards or court off befoe they garnish her
she should get a stable stout income or marry someone with a stable stout income.

once something is in garnishment. it means this has gone to a court of law.
so debt validation wont help. courts validated them already.
dispute doesnt work.
so get this paid off and 2 years behind thee. get new good credit somehow.
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thanks for your very negative approach tothis
number 1 i was just trying to give you a history behind this
number 2 your advice behind marital status has nothing to do with anything and if you want to be an advice counselor you need to leave the credit field alone.
you or whom ever you have representing you need to find a better attitude when answering these emails because you never know what a person has been through for you to dump on them with your nasty and very sarcastic disposition. I am very sorry I tried to to get any advice from someone who is supposed to be a so called professional. Lose my email.
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Bo
I am not a pro
i am a real life person
the things i say are facts.

moved and i didn't get the letter is flat out ridiculous and you know that.

stable stout job is imperitive you know that

negative approach is applicable on this for sure.
i guess you never watch judge judy.
some people just do not get it.

I think that is YOU for enabling your daughter. I am sure you have heard of that.

just be glad you didn't co sign for her
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Bo
A hundred dollars to 1 says you have no idea what is on her credit file
and that all you know is when the stuff hits the fan she finally calls you to bail her out.


life is hard
if one can not get a great job they are in with the 41,000,000 people who do not make enough to live on and I feel for these as i have been one.

might pick the book up "Nickel and Dimed in america. has a waittress lady on the cover.
a classic about an american woman who tried to make it on wait staff wages.
it can not be done
it definatley can not be done and have credit.
so your daughter may not ever have any credit unless by some act she can rise out of this situation.

My hope is she can.

my first bad credit was the same thing
i moved and didn't pay an electric bill and a bp oil credit card.
i said i moved and never got the letter.
i knew and blew it off.

then it came back after me.

so i tell people the world is hard
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BO
http://www.youtube.com/watch?v=f-jUFL2ubR0
this is me and how my credit got messed up.
it is all about the job.
I married a BSN RN, thats a 4 year degreed nurse.
I was still an idiot and could not handle my job till one day.
then my credit got better and i could pay my bills

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