Expert: Creditwrench - 6/30/2008

Question
QUESTION: I have a chase visa, for years. I always try to pay at least the minimum. They raised the interest rate, card kept going up with me not even using it. Then started charging more fees for being over limit. I start drowning! I got a letter lots of letters telling me they will work with me (HA) The man I called in response to the letter humiliated and threatened to turn me into collections. I didn't want that, so I let him draft my checking account, hung up the phone crying. I had one lady tell me she didn't care just give me the money or go to collections. Which is where I am now. While I was still making payments! ( what I could afford But an attempt) Collections calls tell me they want 4995. in 30 days or  I go to suit they seek my assets, which I replied, I have no assets, thats when he informed me I had a house. They left a message on the answering machine my dad heard, he called them back told them he was my dad, and asked whats going on. They told him EVERYTHING! He is not on the card. They had no right! The man my dad spoke to wouldn't even give his name, he asked for 800.00 to get it current and most of the troubles would stop. Hes a 70 year old man on a limited income and hes freaking because I'm in trouble and he cant help. What right did that guy have to do that? When i spoke back with them, Of course they denied it. But my dad knew all the facts, and was on the phone with them for awhile. What would you do? BTW, I've paid this money back 10 times fold but because of the interest I cant get rid of it.

ANSWER: Stop paying and sue them in federal court for revealing your personal information to a 3rd party.



---------- FOLLOW-UP ----------

QUESTION: How do I prove it? They denied it. All I have is a phone record from My dads house to their firm.(weltman weinberg reis) They literally told me to prove it. There the big guys! They always win.

ANSWER: Your father's sworn statement and the phone record of when they called should be enough to get the job done.

You have to sue them in federal court, not the local courts in order to win.

And if they did that then the chances are that they have committed other errors as well that you may not be aware of because you don't know the law and your rights under the law.

That's what we teach at creditwench.com and our students win every time.
Never had one lose yet.



---------- FOLLOW-UP ----------

QUESTION: Im sorry to keep bothering you, I just wanted to make if it makes a difference that my dad got their massage on the answering machine and he called them, Then they offer him all the information. He just asked whats going on, and the guy told him everything.

Answer
Don't worry about bothering me. Exactly what was the message that was left on the answering machine? I'd like it word for word exactly what was left on the answering machine. I do hope you still have the tape from the answering machine. If you do I would be sure it is in a safe place and not still on the answering machine.