rich61969 asked:


I am being sued by a collection agency for an old (over 3 years) Visa credit card debt. I live in Alabama and the Statue of Limitations on Open Accounts is 3 years. I hired an attorney but he says that I probably will have to settle because it is not an open account but a written contract account which has a SOL of 6 years. He says this because the collection agency produced a piece of paper that I signed when I opened the account (basically it’s the credit card application). I researched on my own and most information that I found says that credit cards are always open accounts. I did find one place (Wiki Answers) where someone said that credit cards could be written contracts. Is my attorney wrong or can this indeed be a written contract in some way. I really need to know before I go to court. Please give me some type of solid backup to your answer and not just your opinion.

Lisa

RAV94 asked:


When I make a purchase with my debit card and go home to check my bank account , the purchase is already in the system. But when I use my credit card it takes at least a couple days. If there are any credit card companies that process as fast as using a debit card, please let me know, Thanks

Floyd

leswickederwrestler84 asked:


I signed up for a payday loan, but never was approved then I started receiving phone calls from other companies saying I was Pre-approved how do I stop the calls ?

Kristen

Ultimate Guitar Hero! asked:


I have terrible credit!! The only card that I am able to sign up for is a pre-pay card where I basically borrow my own money. I need to establish good credit somehow any suggestions?

Audrey

i rock! asked:


I requested a new credit card with a lower interest rate than my two cards now with the intentions of paying off the two cards with my new card. The new card credit limit is not enough to pay off the other two, however, so I don’t want it anymore. I requested it online, was “approved,” and just received it in the mail today. What will happen if I just throw it away without activating it?

Edwin

Natalie M asked:


I have about $6000 in credit cards and two car loans that equal $36,000. I would like to refinance my car loans and pay off my credit cards. Do you think anyone would give me a personal loan with a recent foreclosure on my credit?

Christine

Yahoostar asked:


Has anyone ever gotten a payday loan? I am in an emergency and can definitely pay this back by next pay day, however, I don’t know which payday loan company to trust. Any suggestions?

Phyllis

meggiecakess asked:


I’m 19 years old, I go to school, I’m a waitress at Applebees, I have my own credit card which I pay on time, and I would like to take out a personal loan so I can do some work on my car. It needs a bunch of new parts. I also need to get a few things for it. The loan wouldn’t be more then $2,500 to $3,000. What’s the easiest way to take out a loan where I will most likely get approved?

Louise

YSM asked:


We payed down our credit cards and we need a personal loan to pay off a college degree and do some fixer upper in the house we have now. We want to buy another home will this affect us in getting a loan with the bank for our new home? Our credit scores right now are excellent. Need professional advice.

Jill

pisces220 asked:


I am thinking of taking a personal loan this year to help me with some extra expenses. Any advice? Thanks!

Brian