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Hughes Keeps on Billing | 46 comments (46 topical) | Post A Comment
Could someone please explain...[ Reply to This ] (none / 0) (#2)
by Anonymous User on Fri Mar 10, 2006 at 06:18:23 PM PDT

... what this means: "Fearing collection charges and damage to my credit..."?

I don't live in the US and I can't even guess what "damage to one's credit" means. If they have no claim for your money *and* can't reach into your pocket to take it, what harm can they do?

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What harm they can do[ Parent | Reply to This ] (none / 0) (#4)
by LasVegan on Sat Mar 11, 2006 at 12:21:10 PM PDT

They can report your non-payment to a credit bureau. This will likely come back to haunt you when you try to borrow in the future.

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It won't hurt your credit[ Parent | Reply to This ] (none / 0) (#15)
by Reziac on Tue Mar 14, 2006 at 12:04:43 PM PDT

*Disputed* charges cannot be dinged against your credit rating anyway. IIRC that's federal law.

Also, even if they eventually send such a fraudulent bill to a collection agency, if you continue to dispute it (and particularly if you have any sort of records to back you up), chances are it will be dropped as uncollectable, and it will NOT show up against your credit. (Been there, done that.)

.

~REZ~
[ Parent | Reply to This ]



Debtors[ Parent | Reply to This ] (none / 0) (#9)
by Anonymous User on Mon Mar 13, 2006 at 06:04:39 AM PDT

We in the U.S. are a debtor country. Income level is irrelevant - most people manage to spend somewhat more than they can afford. In order to keep the loans flowing at top efficiency, whether bank loans or credit cards or whatever, you really want to avoid any bad marks on your credit report.

[ Parent | Reply to This ]


Hughes Keeps on Billing | 46 comments (46 topical) | Post A Comment
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