What if I get a credit card that never seek or accept, or did you use and then you get a summary of costs of issuance of the card?
happens the user signs a credit card but is that also gives you other services, eg checking accounts and checkbooks, not asked?
If you received the card or bank statement arrives and you never gave express or tacit consent (using the card or service) do not worry, you have no debts and do not correspond to afford even the cost of sending the card or account maintenance.
is appropriate, rather than phone calls to resign (as these disclaimers may be lost) to go personally to the company or the Consumer Protection and Mendoza Sarmiento street. There staff are empowered to advise and, where appropriate, intimate court, hold a hearing or initiate legal actions correspond accordingly.
What happens if you get the credit card and you accepted or used?
If you do not pay it will generate a debt. The Bank may:
- make a claim out of court: in this case will send a letter document (which is not the same as a judicial notice) intimándote to pay the debt. You have to keep in mind that sometimes to scare customers banks give these cards a way that seems legal. It is not judicial notice if it does not name the court, the judge and clerk, and inlay Expte number. and other particulars of the trial. What we recommend is to go to the place indicated in the letter and ask what are the chances of making a payment arrangement, tené into account the time of the debt because if it was several years may be that the will no longer be able to claim. Start
- trial: if you have paid the account summary credit card or have paid with money that you paid the same bank that made you sign a promissory note or other enforceable. In the latter case the bank is going to sue "executive" that has a very short procedure and where there is no chance to prove that the debt does not exist. If you signed a contract to enable the processing card is different: the bank must prove that there was a contractual relationship on a longer view and opportunity to demonstrate otherwise.
If you sentence the trial judge may order wage garnishments or property that you own and if you do not have or do not know either order a general inhibition of goods.
A listener told us that it has a large debt for using several credit cards, debt can not pay. tells us that no good, you want to avoid wage garnishment and we consultation on the possibility of filing their own bankruptcy.
Our opinion: You can introduce bankrupt but we advise against it because it is risky
1) Bankruptcy is a trial, you can start the debtor or ask your creditors. Proceeds when the debtor is insolvent (unable to meet its debts) and aims to liquidate all assets that the debtor owns to pay creditors.
2) Why should you consider that not apply:
- imputarte
- can commit a crime (fraudulent bankruptcy). In your case as well and you do not have any debts you have multiple cards for using the court might assume that the show, to defraud creditors
- The judge will order the inhbición: Following you will not be able to dispose of assets you will ever buy and you will anotra in the "TRUTH" as defaulter by So not going to lend or loan anywhere.
- black If you're working on your job may be in danger, because the trustee (who heads the bankruptcy proceedings) will investigate your financial situation to find goods and when he meets you work in black is likely that your employer fire you to avoid problems
- may be that you more expensive because you have to pay to the trustee, attorneys' fees and other expenses of the trial.
- The purpose of bankruptcy is to sell everything you have.
Since bankruptcy is a long procedure allows the debtor to gain time to raise money and reach agreement with creditors and if they are not losing their right to charge. But I repeat, we should not take risks for what you explained.
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