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difficult child given credit...we are baffled
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<blockquote data-quote="Rhonda" data-source="post: 251630" data-attributes="member: 6732"><p>Nomad,</p><p> </p><p>Give me a day and I will get you some more information. I put my daughter (before she turned 18) on an opt out list for 5 years (maybe it was 3). It is supposed to keep any solicitations from being sent to her. So far so good. And she has a credit card that she does not know about just to build her credit. I use it for flights and things in her name and I pay it. But I also have it in my possession in hopes that one day she will turn her brain back on.</p><p> </p><p>You absolutely should be able to get her out of a contract that she applied for (maybe a fee). They will threaten you and claim everything. But in reality you need to reach the right person. Do not pay them anything at all until you reach a settlement. I have done quite a bit with this type of agency and I would be happy to coach you through it if you want to pm me. Also, if they have her bank account number, go in the morning and close that account and open another for her. Even if it only has 1 cent in it. They will draw money out and have her overdrawn (more problems then). If she/you tell them not to call again to collect then legally they can not. You must be clear and tell them that you know it is illegal and you will prosecute if they "harrass" you again (or her).</p><p> </p><p>Once it reaches a certain time limit it goes to collections. Then I can certainly tell you that they will make an offer. But, realistically you should be able to handle this before then. Worst case: It is never paid it and it goes on her credit report. It will come off in 5-7 years. And any bank or other agency that she needs credit from will ask about it and she will be able to tell them what happened or better yet is she applies she should tell them up front. A bank or loan company can easily choose to look over a telephone contract problem.</p><p> </p><p>Hope that helps.. Let me know which phone company it is with and the length of contract and I will try to get you more info.</p><p> </p><p>Rhonda</p></blockquote><p></p>
[QUOTE="Rhonda, post: 251630, member: 6732"] Nomad, Give me a day and I will get you some more information. I put my daughter (before she turned 18) on an opt out list for 5 years (maybe it was 3). It is supposed to keep any solicitations from being sent to her. So far so good. And she has a credit card that she does not know about just to build her credit. I use it for flights and things in her name and I pay it. But I also have it in my possession in hopes that one day she will turn her brain back on. You absolutely should be able to get her out of a contract that she applied for (maybe a fee). They will threaten you and claim everything. But in reality you need to reach the right person. Do not pay them anything at all until you reach a settlement. I have done quite a bit with this type of agency and I would be happy to coach you through it if you want to pm me. Also, if they have her bank account number, go in the morning and close that account and open another for her. Even if it only has 1 cent in it. They will draw money out and have her overdrawn (more problems then). If she/you tell them not to call again to collect then legally they can not. You must be clear and tell them that you know it is illegal and you will prosecute if they "harrass" you again (or her). Once it reaches a certain time limit it goes to collections. Then I can certainly tell you that they will make an offer. But, realistically you should be able to handle this before then. Worst case: It is never paid it and it goes on her credit report. It will come off in 5-7 years. And any bank or other agency that she needs credit from will ask about it and she will be able to tell them what happened or better yet is she applies she should tell them up front. A bank or loan company can easily choose to look over a telephone contract problem. Hope that helps.. Let me know which phone company it is with and the length of contract and I will try to get you more info. Rhonda [/QUOTE]
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difficult child given credit...we are baffled
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