who is respondsable for credit card debt?
82277
Whoever the card's name is in is responsible.
799722
Last year I canceled 5 credit cards and I did it all over the phone. In each case, I requested the name or other identification of the customer service person I was speaking with once I identified myself, but before I made my request known to them. I believe that I got better treatment that way.\n\nWith one card, they made me talk to two other people who tried to talk me into keeping the card before they agreed to close the account. In each case, they sent me a confirming letter. I did cut up the cards, but I did not return any to them. In all of the cases, the accounts showed up on my credit report as "Closed at the request of the cardholder."  Cards I had not used in 5 years still showed open on my credit report before I took these steps.\n\nYou need to be polite, but firm. You do not need to give any reason for canceling the card other than "you want to."  If you get any static at all, ask to speak with the person's supervisor.
213978
May be you can contact the financer and also the person who will deal with all this things.
284854
Apparently, questions have been raised about CGS, as well:\n\n\n\nI have been offered a credit card by CGS if i pay a fee of 49.50 i want to repair my credit history and thoght this company could help but i am getting bad feed back has anyone had any dealings with CGS good or bad......CHEERS\n\nthe disc joc  Sun 26/02/06 16:13\n\nDo NOT give this company money! All CGS will do is give you the name of a credit card company and tell you you can have a card with them. However, it won't be correct. Any credit card company will have their own lending criteria which CGS are not privvy to and therefore do not know if you meet that criteria. After being given the name of the card company you would have to apply directly with them and you may not get the card. I work for a credit card company and i've had to tell many people this over the phone. Best thing to do is go directly to the credit card themselves. :o)\n\nhttp://www.theanswerbank.co.uk/Money_and_Finance/Question204222.html
695467
I would start by asking your bank.  Since your customers' credit card payments will need to be deposited into your bank account, your banker should be able to recommend a number of reliable service providers.
911473
To answer your question very specifically, go to:\n\nwww.ftc.gov\n\nYou want to click on "Consumers" then look at the credit collection practices link and the credit reporting link.  Here are the federal laws governing specifically what they can and can not do to collect a debt.
76846
Call your credit card company.
106815
If you owe a credit card company money, they CAN and WILL sue you to recover their losses. There are horror stories of people losing homes and automobiles because a family member charged too much on credit cards that couldn't be paid for.
274155
When I payed out mine, what I did was I asked for sample letters and using the samples as model, wrote the letters to all but one of my creditors. The debt with the remaining one was such, that I was able to pay it off completely, months later. Since payingit off, the offers starting coming to me in the mail. By email, too. It some times takes more than 12 months to pay off credit card debt, but it can be done.
437342
That depends on the credit card!
676282
My wife got subpoenaed by citiwankers..yeah they can do it..but not a credit bureau. \n\nLet em try and go and have your say.
951383
Let's see you want a list of forclosers but don't want to pay and you have bad credit and no collaterial. You need a shrink who enjoys working with idiots on credit.
223330
Typically, credit card companies will accept any amount you send them - it's money. However, unless you pay the minimum amount due, they will charge you late fees and interest and overlimit fees (if applicable) and cancel your card if they deem it necessary. The only way to help with this is to call the company and calmy explain your situation. They still may not work with you, but there is no way they'll work with you if you just ignore the situation.
911429
Find a credit card company that claims it is doing you a favour.
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
81470
if the person affected your credit rating, contact FICO immediately. get a copy of your credit report, and then go through the process of writing letters to remove errors from your report.\n\nto move forward in life, business, or whatever, it's very important that your credit is clean!
144278
Call your credit card company and dispute the charges. They will send information to the company that charged your credit card. The company only has so many days to respond to the credit card company, and unless you signed or otherwise gave agreement to company to use your credit card the bank will reverse the charges off your card.