Credit Counselling Articles - Archive: 2008

How do you know if someone has a judgment against you? What is the limitation that a credit agency can collect on a debt? Posted from: Nova Scotia

Do I have to include all my debts in a debt management plan or can I leave some out? I have some debts (credit cards) that are behind but also a bank loan where payments are up to date. I want to leave the loan out as I don`t want to jeopardize my relationsihp with [...]

I have 1 debt on my credit report from a bay totaling $800. Eqiufax informed me that it will be off my credit report by January 2010. The collection agency say that if it goes to a court judgment that it will stay on credit report for 10 years. The debt was created from a [...]

Hi…can a lien be placed on your asset/property without a court order? Would it be possible for a collection agency to place a lien on my property without my knowledge? Posted from: Ontario

i have a loan with citi financial, and the interest is allot, i was wondering if i would be able to Negotiate a pay out to them, or should i let it go into collection or wnat to do, and does citi financial Negotiate loan payment Posted from: Ontario

I know my debts surpass my salary Big Time. I make my payments to all my lines and One major 25,000.00 card 1.99% which will be due for high interest in Feb 09……with all my other debts I cannot survive. Can I keep my house and car and start over??? My credit rating is very [...]

I have attempted to negotiate payment reduction with Capital One Mastercard and did not get enywhere with them. Is it possible to reduce monthly payments? Posted from: Quebec