How do I know what and how much my debt is?












7















I had excellent credit, large amount of savings, and opened a wine bar. As money drained, and debts accrued the landlords got selfish and I didn't have the funds to fight it in court (at the time), so I tried to shoe-string it. Ended up homeless (literally) and lost everything and was steeped in cards, community finance loans, etc., without ability to pay. The landlords sold my assets illegally locked doors and took my computer and files (a different issue), and some creditors took my equipment I believe. I assume my furnishings were sold to help pay some things.



There was a lot of overlap and confusion and I was particularly disadvantaged in not having my information/papers and not having a dime available to even have a phone. Several scraping by years went by starting with minimum-wage and trying to get back into my profession, which I'm happy to finally start getting back on my feet - my professional colleagues do not know that I slept in my car for months and showered at a gym!



I'm pretty sure I know the answer is probably to save up for an attorney or something now that I have a paying job, but I know somewhere there is a myriad of weird debts that I do want to pay back. My question is How can I find out who I owe what still, after several years of not having a phone or address or access to my files and paperwork that I meticulously kept record? Is there a government service that keeps these tabs?










share|improve this question









New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
















  • 2





    Not sure what kind of "weird" debts you wish to reconcile but if it's been years and you've been working for a while now and nobody has contacted you then just stay low until they cannot legally go after you anymore. I'm no expert but if you start reconciling a debt with one collector then you might alert all of them. If you had some personal debts to friends or family then certainly reach out to them and make amends. However, to answer the question in your title, money.stackexchange.com/a/104370/25694 is definitely a good answer. I wish you the best.

    – MonkeyZeus
    7 hours ago


















7















I had excellent credit, large amount of savings, and opened a wine bar. As money drained, and debts accrued the landlords got selfish and I didn't have the funds to fight it in court (at the time), so I tried to shoe-string it. Ended up homeless (literally) and lost everything and was steeped in cards, community finance loans, etc., without ability to pay. The landlords sold my assets illegally locked doors and took my computer and files (a different issue), and some creditors took my equipment I believe. I assume my furnishings were sold to help pay some things.



There was a lot of overlap and confusion and I was particularly disadvantaged in not having my information/papers and not having a dime available to even have a phone. Several scraping by years went by starting with minimum-wage and trying to get back into my profession, which I'm happy to finally start getting back on my feet - my professional colleagues do not know that I slept in my car for months and showered at a gym!



I'm pretty sure I know the answer is probably to save up for an attorney or something now that I have a paying job, but I know somewhere there is a myriad of weird debts that I do want to pay back. My question is How can I find out who I owe what still, after several years of not having a phone or address or access to my files and paperwork that I meticulously kept record? Is there a government service that keeps these tabs?










share|improve this question









New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
















  • 2





    Not sure what kind of "weird" debts you wish to reconcile but if it's been years and you've been working for a while now and nobody has contacted you then just stay low until they cannot legally go after you anymore. I'm no expert but if you start reconciling a debt with one collector then you might alert all of them. If you had some personal debts to friends or family then certainly reach out to them and make amends. However, to answer the question in your title, money.stackexchange.com/a/104370/25694 is definitely a good answer. I wish you the best.

    – MonkeyZeus
    7 hours ago
















7












7








7


1






I had excellent credit, large amount of savings, and opened a wine bar. As money drained, and debts accrued the landlords got selfish and I didn't have the funds to fight it in court (at the time), so I tried to shoe-string it. Ended up homeless (literally) and lost everything and was steeped in cards, community finance loans, etc., without ability to pay. The landlords sold my assets illegally locked doors and took my computer and files (a different issue), and some creditors took my equipment I believe. I assume my furnishings were sold to help pay some things.



There was a lot of overlap and confusion and I was particularly disadvantaged in not having my information/papers and not having a dime available to even have a phone. Several scraping by years went by starting with minimum-wage and trying to get back into my profession, which I'm happy to finally start getting back on my feet - my professional colleagues do not know that I slept in my car for months and showered at a gym!



I'm pretty sure I know the answer is probably to save up for an attorney or something now that I have a paying job, but I know somewhere there is a myriad of weird debts that I do want to pay back. My question is How can I find out who I owe what still, after several years of not having a phone or address or access to my files and paperwork that I meticulously kept record? Is there a government service that keeps these tabs?










share|improve this question









New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.












I had excellent credit, large amount of savings, and opened a wine bar. As money drained, and debts accrued the landlords got selfish and I didn't have the funds to fight it in court (at the time), so I tried to shoe-string it. Ended up homeless (literally) and lost everything and was steeped in cards, community finance loans, etc., without ability to pay. The landlords sold my assets illegally locked doors and took my computer and files (a different issue), and some creditors took my equipment I believe. I assume my furnishings were sold to help pay some things.



There was a lot of overlap and confusion and I was particularly disadvantaged in not having my information/papers and not having a dime available to even have a phone. Several scraping by years went by starting with minimum-wage and trying to get back into my profession, which I'm happy to finally start getting back on my feet - my professional colleagues do not know that I slept in my car for months and showered at a gym!



I'm pretty sure I know the answer is probably to save up for an attorney or something now that I have a paying job, but I know somewhere there is a myriad of weird debts that I do want to pay back. My question is How can I find out who I owe what still, after several years of not having a phone or address or access to my files and paperwork that I meticulously kept record? Is there a government service that keeps these tabs?







united-states debt






share|improve this question









New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.











share|improve this question









New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.









share|improve this question




share|improve this question








edited 10 hours ago









Chris W. Rea

26.5k1586174




26.5k1586174






New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.









asked 11 hours ago









MikeyMikey

1394




1394




New contributor




Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.





New contributor





Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.






Mikey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.








  • 2





    Not sure what kind of "weird" debts you wish to reconcile but if it's been years and you've been working for a while now and nobody has contacted you then just stay low until they cannot legally go after you anymore. I'm no expert but if you start reconciling a debt with one collector then you might alert all of them. If you had some personal debts to friends or family then certainly reach out to them and make amends. However, to answer the question in your title, money.stackexchange.com/a/104370/25694 is definitely a good answer. I wish you the best.

    – MonkeyZeus
    7 hours ago
















  • 2





    Not sure what kind of "weird" debts you wish to reconcile but if it's been years and you've been working for a while now and nobody has contacted you then just stay low until they cannot legally go after you anymore. I'm no expert but if you start reconciling a debt with one collector then you might alert all of them. If you had some personal debts to friends or family then certainly reach out to them and make amends. However, to answer the question in your title, money.stackexchange.com/a/104370/25694 is definitely a good answer. I wish you the best.

    – MonkeyZeus
    7 hours ago










2




2





Not sure what kind of "weird" debts you wish to reconcile but if it's been years and you've been working for a while now and nobody has contacted you then just stay low until they cannot legally go after you anymore. I'm no expert but if you start reconciling a debt with one collector then you might alert all of them. If you had some personal debts to friends or family then certainly reach out to them and make amends. However, to answer the question in your title, money.stackexchange.com/a/104370/25694 is definitely a good answer. I wish you the best.

– MonkeyZeus
7 hours ago







Not sure what kind of "weird" debts you wish to reconcile but if it's been years and you've been working for a while now and nobody has contacted you then just stay low until they cannot legally go after you anymore. I'm no expert but if you start reconciling a debt with one collector then you might alert all of them. If you had some personal debts to friends or family then certainly reach out to them and make amends. However, to answer the question in your title, money.stackexchange.com/a/104370/25694 is definitely a good answer. I wish you the best.

– MonkeyZeus
7 hours ago












1 Answer
1






active

oldest

votes


















18














Your credit report should list all debts that have been reported against you. You are entitled to one free credit report every twelve months through AnnualCreditReport.com. All you need to provide are a social security number and date of birth. Any identifying questions they ask of you should be from your report (e.g. you don't need to give them a current address).



Some tips for you on your journey:




  • Be careful searching for "free credit report" - some of these are bait-and-switch schemes that coerce you into subscribing to some credit monitoring or ID protection in order to get your "free" credit report

  • Don't contact any lenders on the report until you are prepared to pay the full amount in cash. Contacting them might reset the clock on how old the debt is any might make it harder to settle later.

  • Don't offer to pay the full balance up-front. Most likely the debts have been written off and can be settled for pennies on the dollar.

  • If you do settle a debt, get EVERYTHING in writing (e-mail is sufficient) and make sure your payment is for "settlement in full". Debt collectors are notorious for taking a payment and applying it only to late fees and other extraneous charges that do nothing to reduce what you owe.

  • Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies), wire transfer, or prepaid debit card. You don't want to give them the ability to take more than what you agreed to.

  • Don't feel legally obligated to pay old debts. If you want to settle to clear your conscience, that's fine, but it's likely that the debts have been written off and are just a part of the business of lending money. Banks expect a portion of borrowers to default, so you're not harming anyone if you don't initiate contact after they've started ignoring you.






share|improve this answer





















  • 3





    "Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

    – glglgl
    11 hours ago






  • 3





    @glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

    – D Stanley
    11 hours ago








  • 2





    Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

    – Hart CO
    10 hours ago






  • 1





    @DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

    – glglgl
    10 hours ago






  • 1





    You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

    – Azor Ahai
    8 hours ago













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1 Answer
1






active

oldest

votes








1 Answer
1






active

oldest

votes









active

oldest

votes






active

oldest

votes









18














Your credit report should list all debts that have been reported against you. You are entitled to one free credit report every twelve months through AnnualCreditReport.com. All you need to provide are a social security number and date of birth. Any identifying questions they ask of you should be from your report (e.g. you don't need to give them a current address).



Some tips for you on your journey:




  • Be careful searching for "free credit report" - some of these are bait-and-switch schemes that coerce you into subscribing to some credit monitoring or ID protection in order to get your "free" credit report

  • Don't contact any lenders on the report until you are prepared to pay the full amount in cash. Contacting them might reset the clock on how old the debt is any might make it harder to settle later.

  • Don't offer to pay the full balance up-front. Most likely the debts have been written off and can be settled for pennies on the dollar.

  • If you do settle a debt, get EVERYTHING in writing (e-mail is sufficient) and make sure your payment is for "settlement in full". Debt collectors are notorious for taking a payment and applying it only to late fees and other extraneous charges that do nothing to reduce what you owe.

  • Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies), wire transfer, or prepaid debit card. You don't want to give them the ability to take more than what you agreed to.

  • Don't feel legally obligated to pay old debts. If you want to settle to clear your conscience, that's fine, but it's likely that the debts have been written off and are just a part of the business of lending money. Banks expect a portion of borrowers to default, so you're not harming anyone if you don't initiate contact after they've started ignoring you.






share|improve this answer





















  • 3





    "Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

    – glglgl
    11 hours ago






  • 3





    @glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

    – D Stanley
    11 hours ago








  • 2





    Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

    – Hart CO
    10 hours ago






  • 1





    @DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

    – glglgl
    10 hours ago






  • 1





    You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

    – Azor Ahai
    8 hours ago


















18














Your credit report should list all debts that have been reported against you. You are entitled to one free credit report every twelve months through AnnualCreditReport.com. All you need to provide are a social security number and date of birth. Any identifying questions they ask of you should be from your report (e.g. you don't need to give them a current address).



Some tips for you on your journey:




  • Be careful searching for "free credit report" - some of these are bait-and-switch schemes that coerce you into subscribing to some credit monitoring or ID protection in order to get your "free" credit report

  • Don't contact any lenders on the report until you are prepared to pay the full amount in cash. Contacting them might reset the clock on how old the debt is any might make it harder to settle later.

  • Don't offer to pay the full balance up-front. Most likely the debts have been written off and can be settled for pennies on the dollar.

  • If you do settle a debt, get EVERYTHING in writing (e-mail is sufficient) and make sure your payment is for "settlement in full". Debt collectors are notorious for taking a payment and applying it only to late fees and other extraneous charges that do nothing to reduce what you owe.

  • Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies), wire transfer, or prepaid debit card. You don't want to give them the ability to take more than what you agreed to.

  • Don't feel legally obligated to pay old debts. If you want to settle to clear your conscience, that's fine, but it's likely that the debts have been written off and are just a part of the business of lending money. Banks expect a portion of borrowers to default, so you're not harming anyone if you don't initiate contact after they've started ignoring you.






share|improve this answer





















  • 3





    "Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

    – glglgl
    11 hours ago






  • 3





    @glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

    – D Stanley
    11 hours ago








  • 2





    Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

    – Hart CO
    10 hours ago






  • 1





    @DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

    – glglgl
    10 hours ago






  • 1





    You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

    – Azor Ahai
    8 hours ago
















18












18








18







Your credit report should list all debts that have been reported against you. You are entitled to one free credit report every twelve months through AnnualCreditReport.com. All you need to provide are a social security number and date of birth. Any identifying questions they ask of you should be from your report (e.g. you don't need to give them a current address).



Some tips for you on your journey:




  • Be careful searching for "free credit report" - some of these are bait-and-switch schemes that coerce you into subscribing to some credit monitoring or ID protection in order to get your "free" credit report

  • Don't contact any lenders on the report until you are prepared to pay the full amount in cash. Contacting them might reset the clock on how old the debt is any might make it harder to settle later.

  • Don't offer to pay the full balance up-front. Most likely the debts have been written off and can be settled for pennies on the dollar.

  • If you do settle a debt, get EVERYTHING in writing (e-mail is sufficient) and make sure your payment is for "settlement in full". Debt collectors are notorious for taking a payment and applying it only to late fees and other extraneous charges that do nothing to reduce what you owe.

  • Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies), wire transfer, or prepaid debit card. You don't want to give them the ability to take more than what you agreed to.

  • Don't feel legally obligated to pay old debts. If you want to settle to clear your conscience, that's fine, but it's likely that the debts have been written off and are just a part of the business of lending money. Banks expect a portion of borrowers to default, so you're not harming anyone if you don't initiate contact after they've started ignoring you.






share|improve this answer















Your credit report should list all debts that have been reported against you. You are entitled to one free credit report every twelve months through AnnualCreditReport.com. All you need to provide are a social security number and date of birth. Any identifying questions they ask of you should be from your report (e.g. you don't need to give them a current address).



Some tips for you on your journey:




  • Be careful searching for "free credit report" - some of these are bait-and-switch schemes that coerce you into subscribing to some credit monitoring or ID protection in order to get your "free" credit report

  • Don't contact any lenders on the report until you are prepared to pay the full amount in cash. Contacting them might reset the clock on how old the debt is any might make it harder to settle later.

  • Don't offer to pay the full balance up-front. Most likely the debts have been written off and can be settled for pennies on the dollar.

  • If you do settle a debt, get EVERYTHING in writing (e-mail is sufficient) and make sure your payment is for "settlement in full". Debt collectors are notorious for taking a payment and applying it only to late fees and other extraneous charges that do nothing to reduce what you owe.

  • Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies), wire transfer, or prepaid debit card. You don't want to give them the ability to take more than what you agreed to.

  • Don't feel legally obligated to pay old debts. If you want to settle to clear your conscience, that's fine, but it's likely that the debts have been written off and are just a part of the business of lending money. Banks expect a portion of borrowers to default, so you're not harming anyone if you don't initiate contact after they've started ignoring you.







share|improve this answer














share|improve this answer



share|improve this answer








edited 11 hours ago

























answered 11 hours ago









D StanleyD Stanley

52.9k8154163




52.9k8154163








  • 3





    "Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

    – glglgl
    11 hours ago






  • 3





    @glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

    – D Stanley
    11 hours ago








  • 2





    Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

    – Hart CO
    10 hours ago






  • 1





    @DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

    – glglgl
    10 hours ago






  • 1





    You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

    – Azor Ahai
    8 hours ago
















  • 3





    "Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

    – glglgl
    11 hours ago






  • 3





    @glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

    – D Stanley
    11 hours ago








  • 2





    Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

    – Hart CO
    10 hours ago






  • 1





    @DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

    – glglgl
    10 hours ago






  • 1





    You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

    – Azor Ahai
    8 hours ago










3




3





"Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

– glglgl
11 hours ago





"Don't give electronic access to any bank accounts under any circumstances. Pay everything by paper check (and keep copies)." Of course you don't give electronic access to your bank account to anyone (using your credentials). But what is the advantage of sending old-style cheques? (I know that they are still in use in USA, but I also know that wire transfers become more and more used.)

– glglgl
11 hours ago




3




3





@glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

– D Stanley
11 hours ago







@glglgl Wire transfer would probably be fine (though expensive). I was thinking more of ACH transactions, not username/passwords. I would not trust them to not clear out your account. Another option would be a prepaid debit card that NOT tied to your bank account.

– D Stanley
11 hours ago






2




2





Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

– Hart CO
10 hours ago





Regarding the 2nd bullet, you can contact a creditor without resetting the clock on the statute of limitations, if you want to see what evidence of the debt they have, you are entitled to that, but research what you can and can't say without resetting that clock before making contact. Regarding the last bullet, bankruptcy sucks, but there are far worse things in life, weigh your options carefully, it's not always wise to repay debts.

– Hart CO
10 hours ago




1




1





@DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

– glglgl
10 hours ago





@DStanley Ok. I am always astonished how different the payment systems of different contries can be. In Germany, wire transfer payments don't cost anything (except maybe, depending on the cost plan of your account, the price of one transaction of maybe 10 or 20 ct), are unreversable (usually). Direct debits can be reverted. In USA, it semms to be the complete opposite…

– glglgl
10 hours ago




1




1





You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

– Azor Ahai
8 hours ago







You might note you get one credit report each 12 months from each bureau, so you actually can get one every four months, or you could pull all three at once to make sure something isn't missing from one but is shown on the others. Also, that works for personal debts, would it work for business/LLC debts (I have no idea)?

– Azor Ahai
8 hours ago












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