Can a bill still be considered late if it is postmarked by the due date?
95785
depends on their contract statement.  some say they absolutely have to have to payment BY the due date, not just postmarked
1134967
Yes, it is possible. Time stamps can get messed up during routing. Most are correct but they do error.
915093
Re postdated checks- in many states, it's illegal to either offer a post-dated check or receive one. Debt collectors have, depending upon the state, restrictions on what they can do. Check with the state prosecutors's office.\n\nAlso-your business has rights depending upon your state-check with your consumer protection agency-Good Luck!
364448
not sure how they do it but tampa usally sends me a bill in early june
981217
I hadn't heard that. I did receive a letter saying that if I didn't want to pay during the month of Dec or Jan, due to the holidays, I can postpone my payment...for a $45 fee.
937569
That would depend on how long you have been delinquent and if the amount was sent to collection or if they still own the late account. I would contact corporate office and ask for info on your account as they may have added late fees and others thet made the amount higher than you know of. Good luck.
808836
That is up to the finance company. Some will repo it if you're late two or three payments. I would try to get them caught up ASAP or call them and see if they will work a new payment plan up with you or else you might be walking really soon.
909963
They have to be "postmarked" by January 31st
815383
As long as you pay the company $50 before the due date for that billing period, you've made the payment.  If it's due Nov 30 and you give them $25 from your paycheck Nov 9 and $25 more on the 15th, you've made the payment.
263731
if payment was due by march 25 then you can sue march 26
80019
a grace period in terms of a payment means that the payment was due on Nov 15th, you have a grace period of x days aftert the 15th before they charge you a late fee.
276384
Payment on what? Your question needs details.\n\nAre you refering to a mortgage payment or a car payment? Perhaps if the payment is late, it is a breach of contract so they can refuse and force the articles of the contract.
1107647
If you are still late in paying bill, you are still considered a bad credit risk, by most, if not all creditors.Who knows, you may luck out and find one who feels sorry for you, and take a chance with you.
1170422
sure, just add the charge to your next invoice and state that it is still unpaid...
154693
Depends on the card. In my experince there is none. Even if they don't send you a statement, it's still your responsibility to pay the bill on time. If you have a ligitimate reason, they may wave the $25-$55 late charge, but if you had any promotional low APR, it will now be hiked up to 17% (or something else rediculously high).
789438
yes. if they get the check even one day late then you are late. and you are not late by one day, but are considered late by 30 days. you should always mail the payment at least 5 days before the due date.
544277
While Icsowesmemoney is mostly correct, and is a professional collector who knows the law, let me correct a few things.\n\nHe implies that if you do not respond to a collection agency within 30 day of the innitial contact, you are considered liable for the debt.  This is incorrect. \n\nThe Fair Debt Collection states "The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer."  \n\nThe purpose of the warning is to give the consumer the right to demand the debt be validated.  During that time, the collector must cease all collection activities.  Failing to respond within 30 days is NOT an admission that you owe the debt, but simply places a bar date on when the collector can begin collection activities.\n\nEven though I apparently don't know the law, and can only "cut and paste", this does seem fairly clear to me.\n\nThe law is also very clear on how long any investigation takes place.  The credit reporting agency has 30 days to respond to a dispute, and either reaffirm the entry or delete it.  I see nothing in the law allowing a "reasonable amount of time" for the creditor to respond.  \n\nOK, now that we have cleared that up...\n\nSUE THEM!\n\nFirst, you need to read and understand the Fair Credit Reporting Act, as it outlines exactly what the dispute procedure is.  If you don't follow it to the letter, you will mess up your court case.\n\nSend all letters by certified mail, so you can prove that they were sent and received.  \n\n1) Send a demand letter to the Credit Reporting Agency (CRA).  Give them any proof you have to dispute your case.  In your case, you claim the listing is about being late?  Send them copies of any bills and checks to prove it.  The CRA has 30 days to "investigate" this charge.  All that means is they will contact the creditor and ask them if the listing is correct.  If the creditor says "yes", the listing is now "verified" and the listing stays.  On to step 2....\n\n2) Send a "Demand for Validation" letter to the creditor.  The creditor has 30 days to respond.  They must send you copies of bills, receipts, contracts, and everything used to calculate your debt.  This will be the evidence they use in court if you sue them, so look it over carefully to see if you still have a case.  If you still think you are right, and they still refuse to remove the listing...see below.\n\n3)  If they don't respond at all, send a copy of the "demand for validation" letter plus another demand to remove the listing to the CRA.  Tell them that the creditor has failed to "validate" the debt.  If the CRA still does not remove the listing, you can now add them to your lawsuit also.\n\n4)  File a small claims suit against these guys.  You will need to investigate how your local small claims court works.  Generally, pay a small fee, serve the process, and go to court.  If you can convince the judge the entry was incorrect, you can collect $1000 from both the creditor and the CRA, plus any damages the judge awards.\n\nYes it works, I'm in the process of doing it right now.  Already have a settlement with one of the parties.\n\nDo your homework, and read the links below.