a****t
发帖数: 1220 | 1 自己用过两次10%，一次是开卡，后来寄过来一次。等第二次刚寄到，就收到关卡的通
知，原因是商业用途。电话argue，一自称manager的中年女语气强硬，无任何回旋余地
，连改成clsoed by user都没戏。如果你不在意留个closed by creditor，或者10%收
益远大于此，尽管上就是了。别像我没搞几个，还弄一身臊，不值当。 |
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g**a
发帖数: 2129 | 2 这个量，如果你是学生的话，直接关账户吧。这样会显示为是你主动要求关的。否则就
麻烦了。creditor主动关账户，你的信用记录几年都缓不过来。
还是citi好，两个礼拜了用了70k，一点动静都没有。就是cashback少了点 |
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z****i
发帖数: 591 | 3 cancelled by you own and cancelled by the creditor are totally different
story. |
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d*******d
发帖数: 502 | 4 【 以下文字转载自 Money 讨论区 】
发信人: downflood (出海哥), 信区: Money
标 题: amex biz 被review了
发信站: BBS 未名空间站 (Sat Aug 20 00:58:20 2011, 美东)
刚申请到，结果第一个月花了6k，被review了。
本人学生刚毕业，只有去年报过税，收入才2k。
咨询了前辈一些经验，考古看了一些帖子。
目前最好的办法是：先下手为强，我的income肯定不够支持消费的，那个查了之后肯定
关我卡。所以还不如自己主动关卡，这样还有机会再申请。也不会留下被creditor关卡
的坏记录。
不够见到有人回帖说，给那边看checking有100k，那边二话不说就过了。不过知道板上
有牛人有这方面经验没？ 如果我现在往卡里弄100k，会不会来不及了？多谢大家指教啊
！ |
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i**8
发帖数: 2855 | 5 要求的信息
deposit:
bank, card holder name, acct #, zip
billpay:
bank, acct #, creditor address if paid from wells fargo.
fia/amex/discover一般不能deposit
citi会区分electronic，check和branch，boa会分branch和electronic，chase似乎看
不出来。
billpay可以给截屏，一般晚几天
deposit只有个纸质收据，基本即可到账 |
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i**8
发帖数: 2855 | 6 billpay有可能要求creditor也就是银行的address
deposit要求的是你的billing address or zip，这个是billpay基本不可能要的地址
cash基本是即时到帐，不可能给出billpay截屏
这个问题不是很早就讨论清楚了么，而且cash deposit跟evil病人一样，这个词被滥用或者过分夸大
风险了。
大倒爷，搞苹果的lenovo的化妆品的，付款都得有deposit的成分，要不然资金链怎么
形成loop？还有很多时候都是为了消化cash源而收货。流量大到需要担心cash deposit
的人/团伙大多都知道怎么规避风险，不需要上来讨论。担心多的护士其实流量也就那
么点，最多被银行问候问候罢了。 |
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b******r
发帖数: 1106 | 7 us airways 可以向银行搞钱呀。aa正在破产。只要让aa的creditors占新公司的大部分
股权就行。Usairways 的CEO想当大的airline的CEO都想疯了。他才不管us airways的
股东。只要他当CEO就行。 |
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l********y
发帖数: 1068 | 8 【 以下文字转载自 EnglishChat 讨论区 】
发信人: lyqaijerry (jerry), 信区: EnglishChat
标 题: claim 和against是什么意思 请高手指点
发信站: BBS 未名空间站 (Fri Dec 9 13:20:17 2011, 美东)
it represents a claim of the partnership against the partner 这句话应该怎么
翻译，claim 和against是什么意思？
thus , the members' personal assets are legally protected against creditor
claims made against the LLC.这句也不懂，后面好多against,claim完全搞糊涂了。
请高手指点 |
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K**********r
发帖数: 2640 | 9 不太清楚，主要是不知道chapter 7到地怎末保护他们的，网上查了一下，一旦file
chapter 7,debtor的任何财产就不能动了。看code 362,这个最好能找律师咨询一下。有的学校有免费的，大家能不能明天去问问。
以前收到的信上有写：
creditors generally may not take certain actions: prohibited collection
actions are listed in bankruptcy code 362. Common examples like contacting the debtors by telephone, mail, or demand repayment, blablabla.
dispute after they filed bankruptcy 算不算demand repayment? |
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P******r
发帖数: 1342 | 10 首先，朋友们联合起来，不要被这些法律问题吓倒。
1.信上说要求我们取消dispute不是因为"they filed bankruptcy so creditors
should stop collecting debt"，而是说我们的chargebacks are improper and/or
fraudulent；事实上我们的chargeback确实成立因为东西没有收到；
2.公司提交破产后，不能continuing collecting debt是真的。但问题是，dispute信
用卡算不算是collecting debt。
reference：http://www.mastercard.us/support/transaction-dispute.html
Mastercard说允许dispute这类。
事实上对我们来说，chargeback是针对银行的，而银行才是要去找merchant collect
debt。
3.如果大家注意信用卡上的merchant信息，你会发现很多charge是MHA UK的，并且没有
此公司的确切信息。我还查不到这个公司的信息。但是大家要清楚一点，... 阅读全帖 |
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K****D
发帖数: 30533 | 11 Did a quick google and found the following:
http://www.brighthub.com/money/personal-finance/articles/35296.aspx
What happens to debt when someone dies
If a spouse passes away leaving debt only in their name, their spouse is not
at all obligated to pay the debt. However, if the debt is on a credit card
with both names or a joint account the spouse is still obligated to pay the
debt. The spouse may not get off without any consequences though. Creditors
are within their rights to go after the estat |
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t***s
发帖数: 4666 | 12 A note about community property states
If you live in a community property state the wife of the deceased will
automatically become liable for all debts of the deceased. It will then be
the wife's responsibility to pay all debts. In community property states,
all income and debts are considered equal property of a husband and a wife.
not
card
the
Creditors
of |
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N********n
发帖数: 8363 | 13
What good is an equity market if there's no fundamental strength behind
it? I don't know if Zimbabwe has a stock market or not, if they do it
must be all astronomical #s. That market could go up one billion points
a day, but it's definitely not booming over there.
Plaza Accord was supposed to solve the trading deficit and revive US
production base, and yet it achieved neither. The deficit was still
there, and the production got outsourced steadily. In that 15 years,
US turned from a creditor na |
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g********3
发帖数: 1281 | 14 No. Even good companies with cash problems can default, but creditors might
negotiate a new debt term with the borrower to make it a win-win situation.
If firms are liquidated because of default, in some cases, lenders do not
get all their money back (when liquidation value is low), they might prefer
to keep the firm alive and work out a new term with the borrower, like in
the case of GM. |
|
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s********h
发帖数: 158 | 16 that explains it.
with ytm at 8.09 and current yield at 6 maturing in 3 years, there is a lot
of risks priced in here for the creditors. interestingly, folks are only
debating whether bp should cut common dividends. so it seems to me that if
one is willing to bet that bp is not going bust, or that british politicians
will not let an national icon to fall, the debt is a more sure bet than the
common stock, given that the total cost is still unknown. |
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s********h
发帖数: 158 | 17 so in case of a government-led or third-party take-over, what are the
possible outcomes for bp's creditors? |
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N********n
发帖数: 8363 | 18
Then why do these foreign creditors keep most of their holding in short
term bills rather than spread out across short term bills and long term
bonds? The very fact they dodge those 10Y or 30Y bonds shows how little
trust they have in US government. |
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c**********l
发帖数: 606 | 19 from the interest of a saver and creditor like you and me, should they print
more greenback? hell no!
from the interest of the US government, should they print money? absolutely
! why not?
being deeply affected by your emotion and political belives, tho, can not be
good for your investment. at least make sure that you understand the terms
inflation/deflation before acusing politicians. they may be doing the right
thing for their nation. |
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S**C
发帖数: 2964 | 20 Yes, but do be careful to keep your household marginal tax rate below 15% or
you defeat your purpose.
Keep in mind the creditor protection of ROTH converted rollover IRA is
different (read: lesser) than 401k and Rollover IRA. |
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N********n
发帖数: 8363 | 21 (From Agora Finance 5 min news letter)
Yesterday, an auction of 30-year Treasury bonds went south.
So poorly, in fact, did the auction go, yields jumped from 3.51% to 3.78% —
the largest single day leap since “Tall Paul” Volcker was running the Fed
in the early 1980s.
Back then, it was a matter of necessity: Volcker told us, off camera during
the filming of I.O.U.S.A., that his status as an “inflation slayer” was a
revisionist myth, more or less, and that higher interest rates back then
were the... 阅读全帖 |
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S**C
发帖数: 2964 | 22 It is called protection from creditors. 401(k) accounts get the most
protection, IRAs are difference and a little weaker in terms protection, and
varies from state to state. |
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c*****e
发帖数: 1106 | 23 两次税? How? You can always get a loan from 401K.
Ya, that's why people facing BK or foreclosure would rather deal with creditors/banks vs taking out their 401K savings because their 401K is untouchable. |
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f*******n
发帖数: 12623 | 24 Only in bankruptcy. In other cases creditor protection depends on the state;
some states do not have protection. |
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S**C
发帖数: 2964 | 25 IRA creditor protection, unlike 401(k), depends on states and it varies. |
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S**C
发帖数: 2964 | 26 If your plan is good, keep it there is a good option. Better creditor
protection, earlier withdrawal (55 yr-old in stead of 59 1/2 if you retired)
etc. |
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S**C
发帖数: 2964 | 27 If the plan is good, there are two advantages:
1. 401(k) plans have the strongest creditor protection, stronger than IRA.
2. Making back-door ROTH easier. |
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S**C
发帖数: 2964 | 28 If you live in a state that has strong creditor protection for IRA such as
New York state, and you have no needs for backdoor Roth conversion, IRA is
most likely better. But if you live in, say, Wyoming, you better keep it in
401(k) since there is no statutory exemption for IRAs. – only mentions
retirement plans.
A complete list of IRA asset protection can be find here.
http://www.irafinancialgroup.com/selfdirectedassetprotection.ph
IANAL, but in some states where IRA protection is not as strong... 阅读全帖 |
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S**C
发帖数: 2964 | 29 The government does not dictate/care if employers setup 401(k) plan or not,
has match policy or not. You can still manage your own money whatever way
you want for your retirement saving, in your brokerage, just without the
benefit of tax deferral and creditor protections like 401(k) provided. Why
is it so hard to understand that tax shelter is not an entitlement?
In regard to trading restriction is good or bad, you gonna come up a theory
other than trading is THE culprit which lead to the aggre... 阅读全帖 |
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S**C
发帖数: 2964 | 30 Tainted Rollover IRA, i.e., what you intent to do, does not have the as
strong creditor protection as 401(k) and Rollover IRAs with only rollover
money.
IRA里 |
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o*********l
发帖数: 1807 | 31 这是不对的assumption, 你借钱给POL,他们给你note可是破产发生，这些都是POL
asset.是要按照法律程序先卖掉赔银行，creditor到后面才是debt.我只能说这是一个
灰色地带，应为还没有crowdfunding爆掉不知道法庭会怎么判。 |
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s*********0
发帖数: 2045 | 32 No longer 灰色地带。今天的announcement解释了POL如果破产以后怎么办，基本消除
了你说的问题。基本上从今天以后你买的note不再是POL asset：
Patch of Land Introduces New Offering Structure
Hello Investors,
Today we are happy to inform you that Patch of Land has created a new
offering structure that will provide increased protection for all projects
offered after Monday, June 1, 2015.
Last September, Patch of Land announced that we were working on a new and
improved legal structure to provide more protection for our investors. We
asked you, our loy... 阅读全帖 |
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o*********l
发帖数: 1807 | 33 这是不对的assumption, 你借钱给POL,他们给你note可是破产发生，这些都是POL
asset.是要按照法律程序先卖掉赔银行，creditor到后面才是debt.我只能说这是一个
灰色地带，应为还没有crowdfunding爆掉不知道法庭会怎么判。 |
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s*********0
发帖数: 2045 | 34 No longer 灰色地带。今天的announcement解释了POL如果破产以后怎么办，基本消除
了你说的问题。基本上从今天以后你买的note不再是POL asset：
Patch of Land Introduces New Offering Structure
Hello Investors,
Today we are happy to inform you that Patch of Land has created a new
offering structure that will provide increased protection for all projects
offered after Monday, June 1, 2015.
Last September, Patch of Land announced that we were working on a new and
improved legal structure to provide more protection for our investors. We
asked you, our loy... 阅读全帖 |
|
g*****g
发帖数: 34805 | 35 1. That's always the case for credit card lending, and we all know credit
card is a profitable business by lending alone. Default rate can rise in a
bear market, sure, but it's likely still more profitable than alternative
investment with similar risks.
2. That's a real risk. If LC defaults, the creditor may have priority over
notes owner, and that will be a blow. It's important to watch LC's balance
sheet. |
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w***n
发帖数: 1519 | 36 拿血汗钱投资可别想当然。什么叫LC “应该” 在网站上讲清楚了？
要么就是没讲，要么就是讲了没看。
prospectus就在LC网上，就看你有没有心：
https://www.lendingclub.com/info/prospectus.action
“WebBank is the true creditor for all member loans to borrower members,...”
--You are NOT.
"If we were to become subject to a bankruptcy or similar proceeding, the
rights of the holders of the Notes could be uncertain, and payments on the
Notes may be limited and suspended or stopped. The Notes are unsecured and
holders of the Notes do not have a security interest in the... 阅读全帖 |
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g*******s
发帖数: 2963 | 37 本来打算买房申请贷款了，结果今天银行贷款经纪突然告诉我我有一个污点是citi
bank说我有一张卡欠了300一直没还卡被close了。打了citi他们说是2016年costco从
Amex转Citi时候自动transfer的balance，所以当时的autopay也取消了。问题是我因为
当时就取消的costo会员，而且这两年从来没收到一封email或mail告知欠款问题。citi
说可以现在付清但credit report好像只会显示付清不会消除，所以暂时没付。因为听
说付了以后就不好negotiate了。
马上查了一下credit karma。显示是1/10/2018刚刚上credit report.
请问这个到底是说明我现在是欠谁的钱？是citi bank还是collection company？如果
是后者我该如何联系他们？
TransUnion: 728
Equifax: 716
CITICARDS CBNA
Reported: Jan. 10, 2018
Payment History
Last payment
May 31, 2016
Current Payment Sta... 阅读全帖 |
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s***p
发帖数: 297 | 38 Be Prepared
The best way to prepare for a background check is to be aware of the
information that an employer might find. Get a copy of your credit report.
If there is erroneous information, dispute it with the creditor. Check your
motor vehicle record by requesting a copy of your record from your state
Department of Motor Vehicles. Ask your previous employers for copies of your
personnel files. Make sure you know what your references are going to say
about you.
Most importantly, make sure your |
|
st
发帖数: 1685 | 39 http://www.savewealth.com/taxes/taxliens/
However, what many tax lien buyers find out is that, if they did not
do proper title and bankruptcy research, their tax liens can become
worthless.
For instance, creditors and the IRS can take priority over tax lien
holders in cases where the original owner of the property declares
bankruptcy.
In addition, many people purchase properties sight unseen, going just on
the description posted prior to auction. Without actual inspections and
geographical surv |
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L****n
发帖数: 12932 | 40 the seller don't want to sell there is not way of "forcing a sale". just
like when a buyer wants to back out, using a technicality as excuse, there
is no way of forcing him to buy. U can probably try to suit for your expense
like inspection cost, but you will be lined up after all other creditors
even if you win the case. I'll say try to find out why the seller back off
the deal and see if you want to sweeten the deal a little to entice him. |
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C*****a
发帖数: 1025 | 41 今天去银行搞pre-approval,结果信用报告上说我有一张2006年3月开的macy's卡上欠了
$167(卡的credit line才$100),在拖欠大半年后该卡closed by creditor.问题是我根
本不记得有这回事,印象中没办过macy's的卡.我的EFX BEACON还有800分以上(看起来是
他们没有提delinquency那条),可是TUC FICO Classic只有730分左右(原因就是serious
delinquency).我半年前在网上免费查了信用分,好像就是FICO,当时看到有800分左右
的,而且也没有提macy's卡的事.银行的人让我给信用卡公司打电话让他们纠正过来.我
想问问有没有人有类似经验,是有人冒我的名办了卡,还是更可能是信用卡公司搞混了?
如果他们把这条去掉我的信用分数多久能涨回去?谢谢 |
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a****r
发帖数: 4965 | 42 先看看是什么原因导致Credit Score低，
如果Credit Report有错，要找Credit Bureau更正错误，
如果有Collection，就要把钱付了，或者去和Creditor协商解决。
还有一个办法是多付Downpayment，超过40%的Down payment，还是能降利率的。 |
|
w*******r
发帖数: 2953 | 43 基本不行，一般来说short sale至少三个月，长一点的9个月也很容易。
因为银行可能还要去向creditor要批准，并不是银行自己可以作主的。
今天的San Jose mercury news一篇文章说这个的。 |
|
m***y
发帖数: 14763 | 44 Even for new house,it's a nice-to have. What if your builder were actually
broke and your house, legally speaking, belonged to its creditors?
Purportedly, the title search should find out the truth, but if that failed,
which is not uncommon at all, title insurance shall cover the loss. |
|
f****i
发帖数: 20252 | 45 手机公司算creditor，有权直接上报信用局，讨债公司才没什么用。 |
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k***n
发帖数: 3158 | 46 I dont think you understand what changzheng is trying to tell
back in 1980s, US was a big creditor so that they can afford to raise the
interest to 21.5% to prevent hyperinflation from high inflation.
Now, thanks to Bush and Obama, US IS the world's largest debter in history,
pilling up $14 Tillion debt excluding SS+Medicare. If setting the interest
to 20% again, US needs to pay about $3 Trillion a year just for interest
while they can only collect about $2 Trillion each year from tax. So 20%
in... 阅读全帖 |
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k********n
发帖数: 1819 | 47 seems you do understand the difference between creditor and equity holder,
then why ask ? |
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s*******t
发帖数: 7746 | 48 赶紧要你的credit report，www.annualcreditreport.com
有可能是identity theft.我也正遭遇相似的情况，刚下了offer买房，一周内credit
score从900+降到680，正在联系creditor fix这个问题。
这个Credit Karma可靠吗？ |
|
y****i
发帖数: 17878 | 49 almost nothing will change at your end
you'll keep paying to your loan servicer, but the money now goes to the
failed lender's creditors |
|
M*S
发帖数: 459 | 50 我自己在myFico.com 查Fico Equifax credit score 跟 creditor 查的居然差了三十
多分。另外在myFico.com 查不到我的TransUnion 的 score. 大家碰到过这种情况吗？ |
|
