Rights for Credit card debts - Mothering Forums

Thread Tools
#1 of 2 Old 09-16-2005, 03:46 AM - Thread Starter
mysweetfiona's Avatar
Join Date: Apr 2005
Location: Top of MS
Posts: 259
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Do I have any rights concerning credit card debt? I know we signed up for them and agreed, etc.... But for one of the two we have, signed us up for insurance that we didn't opt for, charging us, and when not paid, of course paying interest/late/overlimit fees on top of them. (DH was basically unemployed the whole year. )They are both in collections. And last year I paid them down under $150 from their max limit. They are now doubled, all just fees.....

Advice anyone? It would be nice if someone would tell me that we don't have to pay the fees! :LOL

Thanks for your input.
mysweetfiona is offline  
Sponsored Links
#2 of 2 Old 09-16-2005, 02:09 PM
lilyka's Avatar
Join Date: Nov 2001
Location: Sioux Falls, SD
Posts: 17,896
Mentioned: 2 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
you can challenege those fees. The burden of proof will be on you so make sure you ahve all your statements showing that all the fees etc we on this insurance crap. Did you contact the cc company and te,, them you didn't want insurance etc? If you didn't and let it ride all this time that could hurt you. if you have been in contact with the credit card companies have any documention of that. and it will be up to youto take them to court.

another option ismediation of sdome sort. suually they will take off the fees etc if you agree to pay what the fees were originally on.

if it were me I would start with consumer crdit cuonseling.

I agreee with you that you are of course responsible for paying all your charges but don't think you should have to pay for insurance you didn't sign up for (oh, but be sure to read the fine print of your card agreement and make sure you didn't sign up for it). however it isn't something should just be ignored and if you did I feel you may be somewhat resonsible. even if it is a bogus charge you can't just ignore it and hope it goes away.

hope everything works out

The truest answer to violence is love. The truest answer to death is life. The only prevention for violence is for the heart to have no violence within it.  We cannot prevent evil through any system devised by mankind. But we can grapple with evil and defeat it, but only with love—real love.

lilyka is offline  

User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page

Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off

Online Users: 8,131

32 members and 8,099 guests
AllTomorrowsParties , °~★kimcharles22★~° , bluefaery , CarolS , ChantalM , Charlotte Craig , elliha , ezrapie , firmfoot , frugalmama , happymamma85 , healthy momma , iceface , IsaFrench , japonica , JewleeB , larali , metafisica , Milk8shake , Northernlass , prosciencemum , rubelin , SandiMae , saniyakhan69 , sarafl , shantimama , sillysapling , StrengthWithin , The , typebug , Yamada Keen
Most users ever online was 449,755, 06-25-2014 at 01:21 PM.