What is the name of your state?What is the name of your state?undefinedWhat is the name of your state? FL
My husband and I separated a year and a half ago and recently decided to work things out. While we were separated he maxed out and stopped paying on a credit card that I was on and he also opened a handful of new credit card accounts that he stopped paying a while ago. The one we shared is now on my credit report. Now all but 1 of them have gone to collections. We haven’t gotten a copy of his credit report yet, but I’m sure that it’s not pretty.
We want to fix the mess he made in a timely and cost effective manner. I’m hesitant about trying to settle with collectors because of how “delightful and easy to work with” they can be, so I’m trying to see what options we have. While listening to a talk radio show, a caller that claimed to work for a collection agency said that if a debt has been sold to a collector, you can have the debt taken off of your credit report by somehow proving that the debt was settled with the original creditor. Is this true? And if so, how would I do that?
Also, and other advise is welcomed and greatly appreciated.
My husband and I separated a year and a half ago and recently decided to work things out. While we were separated he maxed out and stopped paying on a credit card that I was on and he also opened a handful of new credit card accounts that he stopped paying a while ago. The one we shared is now on my credit report. Now all but 1 of them have gone to collections. We haven’t gotten a copy of his credit report yet, but I’m sure that it’s not pretty.
We want to fix the mess he made in a timely and cost effective manner. I’m hesitant about trying to settle with collectors because of how “delightful and easy to work with” they can be, so I’m trying to see what options we have. While listening to a talk radio show, a caller that claimed to work for a collection agency said that if a debt has been sold to a collector, you can have the debt taken off of your credit report by somehow proving that the debt was settled with the original creditor. Is this true? And if so, how would I do that?
Also, and other advise is welcomed and greatly appreciated.