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		<pubDate>Mon, 19 Mar 2012 15:25:34 +0000</pubDate>
		<dc:creator>lizweston</dc:creator>
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			<content:encoded><![CDATA[<p> <strong>Dear Liz:</strong> <b>Buy lexapro without prescription</b>, Our 24-year-old son lives with us. He failed out of college, <b>lexapro approved</b>, <b>Lexapro pharmacy</b>, has been fired from two restaurant jobs and is working part time at a grocery warehouse. He has neglected to pay his credit card for several months, <b>lexapro no prescription</b>.  <b>Cheap lexapro online</b>, He also waits until his cellphone carrier threatens to turn off his phone before he pays half of that bill. We are concerned that his poor payment history may start to reflect on our good credit histories, <b>buy lexapro online without prescription</b>. We are retired and may want to build a new house, <b>buy lexapro without prescription</b>.  <b>Lexapro non prescription</b>, His bills are sent to our address, and creditors call our home phone number looking for him, <b>cheapest generic lexapro online</b>.  <b>Buy discount lexapro online</b>, <strong>Answer:</strong> His debts shouldn't affect your credit reports and scores unless you cosigned loans or other credit accounts or added him as a joint user to your credit cards.</p>
<p>Note the word "shouldn't." It's possible that an unethical collection agency would try to get you to pay these bills by posting the overdue accounts on your credit reports, <b>lowest price lexapro</b>.  <b>Cheapest lexapro online</b>, That could negatively affect your scores.  Check your credit reports at least once a year at <a href="http://www.annualcreditreport.com/">http://www.annualcreditreport.com.</a> <b>Buy lexapro without prescription</b>, You also may want to consider ongoing credit monitoring, which can alert you if any collections or other suspicious activity shows up on your reports.</p>
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<p>Finally, you can write letters to creditors telling them to stop contacting you. You run the risk that such a letter could lead a creditor to sue your son. But his creditors may sue him anyway if he doesn't respond to their requests for payment.</p>
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		<pubDate>Mon, 05 Mar 2012 17:12:06 +0000</pubDate>
		<dc:creator>lizweston</dc:creator>
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			<content:encoded><![CDATA[<p> <strong>Dear Liz:</strong> <b>Buy malegra fxt (sildenafil + fluoxetine) without prescription</b>, About six months ago a debt collection agency started contacting me, by phone and the occasional letter, claiming that I have a past debt of about $20,000 that I owe to a bank card.  <b>Malegra fxt (sildenafil + fluoxetine) price</b>, I have never heard of this particular card or bank. I keep very accurate files, <b>malegra fxt (sildenafil + fluoxetine) india</b>, <b>Buy cheap malegra fxt (sildenafil + fluoxetine)</b>, and I do not see this in my records. My credit scores hover around 720 to 740, <b>malegra fxt (sildenafil + fluoxetine)</b>.  <b>Buy malegra fxt (sildenafil + fluoxetine) online</b>, How can I get them to stop contacting me.</p>
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			<content:encoded><![CDATA[<p> <strong>Dear Liz:</strong> <b>Buy actos without prescription</b>, I have tried to sell my time share on different occasions. If I stop paying my assessments and taxes because I do not wish to use my time share any more, <b>actos pills</b>, <b>Actos in us</b>, will that be detrimental to my credit.</p>
<p><strong>Answer:</strong> Typically, <b>actos buy drug</b>, <b>Cost of actos</b>, your delinquent account will be turned over to a collection agency. Not only will your credit scores take a hit, <b>actos cheap price</b>, <b>Buy actos in canada</b>, but you may be subject to nasty collection calls as well.</p>
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		<pubDate>Fri, 15 Jul 2011 14:00:56 +0000</pubDate>
		<dc:creator>lizweston</dc:creator>
				<category><![CDATA[Liz's Blog]]></category>
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		<description><![CDATA[Buy arcoxia without prescription, Debts don't just disappear when someone dies, and figuring out who's responsible can take some effort, as I wrote in my latest MSN column, "Stuck with the departed's debts?" But a Facebook fan pointed out that not all debt collection calls are based on a legitimate debt: After my father died, [...]]]></description>
			<content:encoded><![CDATA[<p> <b>Buy arcoxia without prescription</b>, Debts don't just disappear when someone dies, and figuring out who's responsible can take some effort, as I wrote in my latest MSN column, "<a href="http://money.msn.com/retirement/stuck-with-the-departeds-debts-weston.aspx" target="_blank">Stuck with the departed's debts?</a>"</p>
<p>But a Facebook fan pointed out that not all debt collection calls are based on a legitimate debt:<br />
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		<pubDate>Mon, 23 May 2011 16:48:23 +0000</pubDate>
		<dc:creator>lizweston</dc:creator>
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		<pubDate>Mon, 02 May 2011 16:15:54 +0000</pubDate>
		<dc:creator>lizweston</dc:creator>
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			<content:encoded><![CDATA[<p> <strong>Dear Liz:</strong> <b>Buy dostinex without prescription</b>, I co-signed a lease agreement for a friend in 2006.  The friend flaked on the lease a few months later, <b>dostinex in uk</b>, <b>Low cost dostinex</b>, so this debt is on my  credit report. Everything I've read about credit reporting says it  should fall off my credit report in seven years, <b>dostinex from india</b>.  <b>Buy dostinex in us</b>, But every few months  the collection agency updates my credit report because they are adding  interest onto the collection amount, which then updates the date of last  activity as well, <b>dostinex information</b>.  <b>Overnight dostinex</b>, Does this restart the clock on how long the debt can  be reported. Or is it still considered from when the account first was  delinquent, <b>buy dostinex without prescription</b>. I had contact with them a few years ago, <b>buy dostinex low price</b>, <b>Find no rx dostinex</b>, trying to negotiate  a settlement to clear my credit report, but we never agreed upon an  amount and I never acknowledged that this was my debt, <b>dostinex price</b>.  <b>Find discount dostinex online</b>, I've been trying  to buy my first home for two years, and this has been the one thing  holding me back, <b>dostinex online pharmacy</b>, <b>Drug dostinex online purchase</b>, causing a lot of heartache, so I'm trying to be as  informed as I can about it, <b>dostinex internet</b>.  <b>Cheap dostinex in canada</b>, <strong>Answer:</strong> The clock on reporting  most negative marks begins when the account first goes delinquent and  isn't reset when a creditor or collection agency updates or sells the  debt. If the collection agency continues to report the debt after seven  years and 180 days passes, <b>dostinex alternative</b>, <b>Cheap dostinex</b>, you should be able to dispute the entry with  the credit bureaus and get it removed from your credit reports.  <b>Buy dostinex without prescription</b>, You  also may need to be concerned about your state's statute of limitations  for this debt. This statute affects how long you can be sued over a  debt, <b>dostinex medicine</b>, <b>Find cheap dostinex</b>, which can vary from three  to 15 years. In some states, <b>cheapest generic dostinex online</b>, <b>Buy dostinex generic</b>, the  statute can be extended if you make a payment on the debt or even  acknowledge it as your own.</p>
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		<description><![CDATA[Buy gasex without prescription, Dear Liz: I had a mobile home that was repossessed in 2003 after I was unable to make the payments. Buy gasex cheap, In 2005, I was contacted by a debt collector saying that I owed $20, order discount gasex online, Online pharmacy gasex, 000. They were very aggressive and threatening, [...]]]></description>
			<content:encoded><![CDATA[<p> <b>Buy gasex without prescription</b>, Dear Liz: I had a mobile home that was repossessed in 2003 after I  was unable to make the payments.  <b>Buy gasex cheap</b>, In 2005, I was contacted by a debt  collector saying that I owed $20, <b>order discount gasex online</b>, <b>Online pharmacy gasex</b>, 000. They were very aggressive and  threatening, <b>cheap gasex pharmacy</b>, <b>Order cheap gasex</b>, saying that they could sue me. I told them I did not have  that money, <b>gasex without a prescription</b>, <b>Buy gasex no prescription required</b>, and they kept harassing me, telling me that I could borrow  it from my bank, <b>buy gasex from canada</b>.  <b>Compare gasex prices</b>, I finally agreed to send them $50 a month. I just  received a letter stating that I have not met my contractual obligations  and if I don't take care of the balance, I could be sued, <b>buy gasex without prescription</b>. This  surprised me since I had been sending $50 a month, <b>cheap gasex tablets</b>.  <b>Generic gasex online</b>, I called them and  they demanded the full balance, about $17, <b>gasex buy</b>, <b>Order gasex cheap online</b>, 500. I asked them if they  would settle for $5, <b>gasex tablets</b>, <b>Buy gasex internet</b>, 000. They said no, <b>find gasex online</b>.  <b>Buy gasex without prescription</b>, To settle for any amount, they  said I would need to send them two months' worth of bank statements, my  last two income tax filings and my last two pay stubs.  <b>Gasex purchase</b>, I said no because  I really didn't think they needed all this information. They said that  anyone who refuses to send these details usually has the money to pay, <b>gasex alternative</b>.  <b>Gasex in us</b>, Now someone at work said that since I sent them $50 a month, I  inadvertently reopened the statute of limitations (the existence of  which I was not aware), <b>gasex in uk</b>. So all in all, I really don't know what to do.  It seems I did everything wrong, <b>buy gasex without prescription</b>.</p>
<p>Answer: So you're surprised that a  "very aggressive and threatening" collector suddenly changed the rules  on you. It's time to wise up and realize you're not dealing with an  ethical company.</p>
<p>You need to make an appointment immediately with  an attorney who is familiar with the credit and collection laws of your  state. You can find a referral through the National Assn.  of Consumer  Bankruptcy Attorneys at <a href="http://nacba.org/">http://www.nacba.org</a> <b>Buy gasex without prescription</b>, . Many of these attorneys offer free or discounted initial sessions.</p>
<p>All  too often, rogue collection agents violate federal and state fair debt  collection practices  by threatening to sue when they have no intention  of doing so or when they are legally barred from filing lawsuits. Your  state's statute of limitations limits how long a creditor can sue over a  debt. In some states, people who lose homes to foreclosure also are  protected against lawsuits over any remaining mortgage debt.</p>
<p>But  your payments may well have extended the statute of limitations under  which the collector would be allowed to sue you, <b>buy gasex without prescription</b>. That's why you need an  attorney to advise you. You also might want to consult <a href="http://debtcollectionanswers.com/">DebtCollectionAnswers.com</a>, a site run by debt expert and consumer advocate Gerri Detweiler, for more help in dealing with collectors.</p>
<p>You  were smart not to send the financial information they demanded, because  none of that is necessary for a settlement discussion and because the  data could easily be used against you. If they're unethical enough, they  could use the bank account information to raid your accounts.</p>
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		<pubDate>Mon, 10 Jan 2011 17:13:59 +0000</pubDate>
		<dc:creator>lizweston</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
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		<description><![CDATA[Dear Liz: Buy lotrel without prescription, What can I do to get credit card debts that are over 7 years old off my credit reports. Buy lotrel canada, I have at least three accounts that are 10 or more years old, but the collection agencies keep selling the accounts to other collectors who report the [...]]]></description>
			<content:encoded><![CDATA[<p> <strong>Dear Liz:</strong> <b>Buy lotrel without prescription</b>, What can I do to get credit card debts that are over  7 years old off my credit reports.  <b>Buy lotrel canada</b>, I have at least three accounts that  are 10 or more years old, but the collection agencies keep selling the  accounts to other collectors who report the accounts as younger than  they are, <b>lotrel tablet</b>.  <b>Drug lotrel online purchase</b>, <strong>Answer:</strong> The collection agencies are violating  federal credit reporting laws. Negative information such as charged-off  accounts and collections are supposed to be removed from your credit  reports seven years and 180 days after the account first goes delinquent  (typically when you miss your first payment), <b>lotrel for order</b>.  <b>Real lotrel without prescription</b>, Collection agencies are  not allowed to "reset the clock" when an account is sold.</p>
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