I got a line of credit thru a company called Royal Prestige. I got the loan 2 years ago in April, with minimum monthly payments of . I always paid more. About a year into it I moved. I notified them that I moved & requested an address change. I quit getting bills after that. The phone number they gave me was not a valid number.
Once the account went into collections (July or Aug) I received a call. I told them I hadn’t been receiving bills, & the phone number was no good. Their reply was that they aren’t responsible to send bills, it’s a courtesy. I paid the account to date then, but they said once it was in collections it would remain in collections. I continued making payments, paid it off in December, & closed the account.
I recently checked my credit report & found they charged it off as a bad debt. What’s that mean? I called them to see. They said it was charged as bad in August (when they contacted me?) She said it was paid in August. Is this b/c it was listed as bad? Help!

I owe ,000 to my bank for my car loan. I have just received payment on a big project I did a couple of months ago and am now able to pay the full amount. I am currently on a collections with the same bank for a a credit card though and the bank has told me they will not release the title to me unless I make full payments on the loan AND the credit card. Is this even legal or should I seek an attorney?

Here I am after admitting to, and understanding my problem. I cannot say how long ago I started this HORRIBLE addiction, but I know it’s been a few years. I have a gambling problem. I fight it urge EVERY single day. Under the web information on "PATHOLOGICAL, PSYCHOLOGICAL GAMBLING, I found out I have most ALL of the symptoms. I’ve accumulated a MOUND of debt (thousands by now), and have kept it from my husband (of 3 years). I finally came out with it yesterday, and his reaction was nothing I expected….but now he is severly depressed, and I can say the same for myself. I am seeking professional help, but I am faced with this debt. I found a debt reduction plan I think I will go with, but what I want to know, is there any legal way to file bankruptsy to rid "gambling debt", if I have a doctor’s diagnosis to proove my mental condition? I am ready to leave (from NY to FL), to stay with my sister to get things paid off and myself better. HELP.. any suggestions to this?

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Financial accounting help?

1.Interest is usually associated with
a.accounts receivable.
b.notes receivable.
c.doubtful accounts.
d.bad debts.

2.Which one of the following is not a primary accounting issue associated with accounts receivable?
a.Amortizing accounts receivable
b.Recognizing accounts receivable
c.Valuing accounts receivable
d.Accelerating cash receipts from receivables

Use the following information for question 3

A customer uses their Gary’s Spot Shop Credit Card to charge a treadmill at Gary’s Sport Shop. The price is ,000 and the financing charge is 18% per annum if the bill is not paid in 30 days. The customer fails to pay the bill within 30 days and a finance charge is added to the customer’s account.

3.What is the amount of the finance charge?
a..
b..
c.0.
d..

4.If a company fails to record estimated bad debts expense,
a.net realizable value is understated.
b.expenses are understated.
c.revenues are understated.
d.receivables are understated.

5.When the allowance method is used to account for uncollectible accounts, Bad Debts Expense is debited when
a.a sale is made.
b.an account becomes bad and is written off.
c.management estimates the amount of uncollectibles.
d.a customer’s account becomes past-due.

6.A debit balance in the Allowance for Doubtful Accounts
a.is the normal balance for that account.
b.indicates that actual bad debt write-offs have exceeded previous provisions for bad debts.
c.indicates that actual bad debt write-offs have been less than what was estimated.
d.cannot occur if the percentage of sales approach of estimating bad debts is used.

7.Two ways of estimating uncollectible accounts are the
a.allowance method and the percentage of sales approach.
b.allowance method and the percentage of receivables approach.
c.percentage of sales approach and the percentage of receivables approach.
d.allowance method and the accrual method.

8.Under the allowance method of accounting for uncollectible accounts,
a.the net realizable value of accounts receivable is greater before an account is written off than after it is written off.
b.Bad Debts Expense is debited when a specific account is written off as uncollectible.
c.the net realizable value of accounts receivable in the balance sheet is the same before and after an account is written off.
d.Allowance for Doubtful Accounts is closed each year to the owner’s capital account.

9.In 2007, Able Co. wrote off a ,000 accounts receivable from Kane Limited. In late 2008, Kane paid the full amount of the receivable. After the repayment has been recorded, the balance in
a.accounts receivable will be ,000 higher.
b.bad debt expense will be ,000 lower.
c.accounts receivable will be the same as before the collection was recorded.
d.allowance for doubtful accounts will be ,000 lower.

Use the following information for question 10:

Neil Construction Co. receives a note receivable from Sonny Plastics Inc. as settlement of an overdue account receivable. The note is for three months and bears an annual interest rate of 8%. The original accounts receivable balance was 0.

10.When the note is collected, Neil Construction Co. will recognize interest revenue of
a..
b.4.
c..
d.6.

Just need some answers… I have a few old charge-off accounts on my credit report. Two to be exact-Visa, and Macy’s. I have since paid the debt to the collection agency-It’s been a year and a half, and didn’t think to make sure the bad debt was taken off of my credit report. A week ago I disputed the debt online b/c it’s showing up negatively on my report though it has been paid. I hear it takes 30 days for this item to be removed… My question is, will the credit bureau’s actually remove the item from my report if there has been no response? I know that if I contact these companies they won’t give me the time of day….

One more question!
I bought a car for 15,000. My loan is now down to 5,000. I have made all payments on time with the exception of 3. This loan is showing negatively on my credit report. is there anything I can do? i don’t want to dispute b/c this information is true. Can i ask that the negative marks be removed by wells fargo?

THANKS!!!

9a Debt and Loan modification.wmv

Debt reduction is important when modifying your loan. The MHA program for loan modificatoins takes into account your overall debt. Higher debt is risk of defaulting

I recently got my tax refund in the amount of ,000. we have a car loan with about ,400 remaining and ,400 in credit card debt. we want to pay everything off so that we can purchase a house next year and want to improve our credit score. which should I pay off?

I think there are about 300 million people in the U.S. The Government loaned out 0 Billion to banks and business’ BUT the same people are still in charge that made those bad decisions that put them in debt! My solution is to give another round of stimulus checks. NOT 0-00 per married couple. Instead give those same people who qualify between ,000 – 0,000 and let US put it back into the economy! I would pay off my bills which means the Banks, Credit Card Companies, etc would get their money and in essence get ‘bailed out’. Just my opinion but before you answer, really think about it.

Legal Debt Solutions Loan Modification Video

Visit www.StopBanks.com for more loan modification, bankruptcy and legal help!

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