Question... - Ask Rich / Money 101

~~*patientlywaiting*~~ · 01-18-2009, 11:06 PM

Why can't my Husband pay off his overdue credit card in payments? USAA wants the full $3000 plus dollars in full. They're tryin' to take him to court too. He's offered to make payments. They won't let him.

USAF_Gal · 01-19-2009, 02:33 AM

More than likely because it is overdue. If he didn't make payments in the past why should USAA trust that he is going to make them now? Does that make sense?

Miss B Hav'n · 01-19-2009, 09:48 AM

Exactly how "overdue" is this credit card? I only ask becuase taking the issue to court doesn't happen for missing a payment or two. I would say that answer is the answer to why they are not willing to work with him on payments. Think of it this way, he is overdue - meaning he has not made the payments as agreed, why would they enter into another agreement with him knowing what they do about his payment history? That wouldn't be smart business.

gunsgirl · 01-19-2009, 10:11 AM

once they get a court order for payments then they may allow for him to make payments on the court ordered amount.

is there no way he can get a signature or collateral loan to pay the 3,000 before it goes to court?
or can he borrow the 3 grand from a family member?

ashlee · 01-19-2009, 10:18 AM

My mom always says "Even if they say they want it 'paid in full', they aren't going to turn away money!"

Why not have him start sending money to them? That way it will be getting paid off, maybe even before the court date (then most likely he wouldn't have to go) and if not he can at least take his check stubs to court showing that he is trying to fix this.

I have a bill they keep saying they want it paid "in full" trust me, my checks are def being cashed by them. Just start sending money.

snowhite634 · 01-19-2009, 10:28 AM

Is it being handled by a collection agency? The agencies usually can set up some sort of an arrangment and/or lower the balance by offering a settlement.

~~*patientlywaiting*~~ · 01-20-2009, 09:35 PM

Thanks. I guess we'll call usaa in the morning. i'm not in the mood to deal with them tonight. been arguing with them and allstate all day. i've dealt with my share of insurance companies... even though it's a credit card.

01-18-2009, 11:06 PM	#1 (permalink)
~~patientlywaiting~~ Banned Join Date: Jan 2009 Posts: 600 Classifieds: (0) Activity: 0% Longevity: 15%	Question... Why can't my Husband pay off his overdue credit card in payments? USAA wants the full $3000 plus dollars in full. They're tryin' to take him to court too. He's offered to make payments. They won't let him.

01-19-2009, 02:33 AM	#2 (permalink)
USAF_Gal Senior Member Join Date: Aug 2006 Location: RAF Lakenheath Posts: 919 Classifieds: (0) Activity: 19% Longevity: 56%	More than likely because it is overdue. If he didn't make payments in the past why should USAA trust that he is going to make them now? Does that make sense? __________________

01-19-2009, 10:11 AM	#4 (permalink)
gunsgirl I love cats Join Date: Jul 2007 Location: kingsland GA/ HITRON JAX Posts: 4,379 Classifieds: (3) Activity: 62% Longevity: 39%	once they get a court order for payments then they may allow for him to make payments on the court ordered amount. is there no way he can get a signature or collateral loan to pay the 3,000 before it goes to court? or can he borrow the 3 grand from a family member? __________________ GA licensed Realtor Dawn

01-19-2009, 10:18 AM	#5 (permalink)
ashlee * Join Date: Jul 2008 Location: Dale City, VA Posts: 2,647 Classifieds: (0) Activity: 6% Longevity: 23%	My mom always says "Even if they say they want it 'paid in full', they aren't going to turn away money!" Why not have him start sending money to them? That way it will be getting paid off, maybe even before the court date (then most likely he wouldn't have to go) and if not he can at least take his check stubs to court showing that he is trying to fix this. I have a bill they keep saying they want it paid "in full" trust me, my checks are def being cashed by them. Just start sending money. __________________

01-19-2009, 10:28 AM	#6 (permalink)
snowhite634 He's the only other half that makes me whole ♥ Join Date: Jun 2008 Location: Just moved to Corpus Christi, Texas Posts: 3,317 Classifieds: (1) Activity: 13% Longevity: 24%	Is it being handled by a collection agency? The agencies usually can set up some sort of an arrangment and/or lower the balance by offering a settlement. __________________ You can't just say I love you. You have to live I love you.

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01-20-2009, 09:35 PM	#7 (permalink)
~~patientlywaiting~~ Banned Join Date: Jan 2009 Posts: 600 Classifieds: (0) Activity: 0% Longevity: 15%	Thanks. I guess we'll call usaa in the morning. i'm not in the mood to deal with them tonight. been arguing with them and allstate all day. i've dealt with my share of insurance companies... even though it's a credit card.