Legal Question in Credit and Debt Law in California

credit card debt

I have 3 credit card bills 2 small ie 700.00 and 1 at 1800.00, before sent to 3rd company was 1400.00 tried to get them to settle but timing is always off. when i have $ they wont get back to me and when i paid other bills then they contact me. i company did not lower enough tomake worth my time. what can I do? will they seek legal against me for small amounts? also tried credit counseling and they charged a fee and pmts did not get smaller. i has a student loan taken frommy taxed last year and i am uneasy about these. we had hard times and only 1 income for over 1 year and trying to get back on our feet. need some advice as to what to expect and if any negotiation skills.


Asked on 10/17/03, 1:09 am

1 Answer from Attorneys
Siamak Pishvaee Pishvaee & Bavar

Re: credit card debt

Can't do much with the tax withholding. with the collectors you need to familiarize yourself with the FDCPA and also that SOL is 4 years on witten contract. The closer you get to 4 years easier to negotiate.

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Answered on 10/17/03, 12:30 pm


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