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Can debt collectors go to court if you have no money or have never had a job before? Can they legally add $90 interest per month?
I am worried because they say I owe $790 from an overdraft fee that I had on a checking account from my current bank, but an agent from the bank told me I owe $80.79 (that same agent told me that the debt collectors can charge interest, but he didn't think it should be that much.) Is that amount of interest (at least $90 per month) even legal? I don't have any money, and I have never had a job before (I was about to get a job earlier this year, but the pandemic ruined my plans.) Can they still go to court?
The only reason why I had a bank account was because I was going to community college, and I needed to put my refunds for my financial aid into an account so I wouldn't spend it all at once, as well as putting in money I would receive from family for my birthday and Christmas.
What is the best thing I can do in the situation I'm in? Should I tell the debt collectors that they are making me pay way over what my bank is telling me I need to pay, or is that a bad idea?
7 AnswersPersonal Finance8 months agoHow likely is it for someone to attack or seriously harm/kill you if you offend and piss them off on social media?
I was asking because I replied to a comment on Facebook where the person is anti-abortion. Since I can't stand ignorance and hate, I replied to their comment without rationally thinking. They warned me not to come at them again. Are they likely to attack and/or seriously harm/kill me if they see me in public, or am I okay?
1 AnswerOther - Health10 months agoWas my job application to Target was rejected because I don't have any previous job experience? Does that count as discrimination?
So, I applied for a job at my local Target store back in January of this year (2020), and I received an email a few weeks later saying that I was not selected for an interview. I did say on my application that I don't have any job experience. Is that a possibility as to why I was not selected? And if that is the reason, does that count as discrimination, or is it just part of the process of finding a job?
17 AnswersOther - Careers & Employment11 months agoHow can a blocked number still call you if it's blocked? Are these scammers?
My mother keeps getting calls from the same 2 numbers every day (or just about), and she blocked both. One of them somehow got around the block, which she and I both understand. We believe it's scammers trying to call her and take her money, which she will not fall for. She doesn't want to report them, but I do. Can we file a harassment claim against those numbers, or is it best to just report them to the FTC?
I'm just sick and tired of scammers. They are honestly the lowest of the low of the human race. They sit there and say "This is the only job I can do", but I'm sure there are other jobs they can do other than scamming. I hope phone companies will be able to stop these calls from happening, because if they don't, then we're all screwed.
I will not disclose the numbers because, even though I love watching other scambaiters, I want to try it for myself. Also, I don't think this platform allows you to post numbers on here.
4 AnswersLaw & Ethics12 months agoWhat does it mean when you dream about a particular person from time to time?
This doesn't happen often, but this only happens when I'm interested in seeing someone new. This person that I rarely dream about was someone I was friends with from 3rd to 5th grade. I also had a crush on her at the time, which the feelings came back over 5 months ago, even though I haven't seen her since fifth grade. In this dream, she was very mad at me. I can't remember exactly why she was. Does anyone know what this dream means?
4 AnswersDream Interpretation1 year agoCan Amazon cancel an order when the item is Currently Unavailable?
I recently pre-ordered 3 items on Amazon in the past week, and now all 3 items I ordered are currently unavailable according to their postings, but the items are still in my list of orders. Can Amazon cancel these, or will they keep them? This happened with 2 items that I looked at over 5 months ago, and those 2 items are available now.
Collage of items are below.
1 AnswerToys1 year agoWhite Motercycle keeps pulling into our driveway and turning around, and a White Car too.?
Disclaimer: No one in my family owns a White Motercycle (or a White Car).
The house I'm currently living in was vacant for 6 years (we would occasionally sleep in the house on certain weekends), and my family and I believe that this person/these people has/have been pulling into the driveway during the 6 year vacancy. This happened again today. It happened about a month ago on a Saturday (I saw them pull out). And a White car pulled into the driveway on my birthday as we were about to walk back into the house. Do you believe this person (or these people) is/are trying to break in, or commit any other crimes on our property? Also, someone parked a stolen car in the driveway not long before we moved in. Should we call the police, or just keep watch on this person/these people?
2 AnswersLaw Enforcement & Police1 year agoHow do I tell her I'm sorry for what I did?
I have a female friend that I formally had a crush on,and I told a lot of my friends (which I know was a BIG mistake,and I deeply regret it) . She got creeped out because of that, and because she didn't feel that way for me,and I kept bringing it up and not changing the subject. I feel like I've been so wrong, and I have a fear that she will hate me and never want to talk to me ever again (although she is a pretty chill person, and doesn't normally get upset with people). I don't know if she will forgive me, and I want to apologize to her so badly. I never meant to make her creeped out. And she also asked me to leave her alone,but I feel like apologizing is the right thing to do.
1 AnswerSingles & Dating5 years agoShould I talk to my crushes friend?
I had a dream last night that I was talking to my crushes best friend. I asked her if she could help me talk to her,but she told me she couldn't,but she said that I could hang out with them on Saturday(this all happened in theddream). Should I actually talk to her(in real life)? And what does this mean?
1 AnswerFriends6 years agoShould I tell her how I feel?
This is the same friend that knew I liked her in the past. I feel like I have to tell her,but I'm scared that I'll mess up the very good friendship that we already have.
2 AnswersSingles & Dating6 years agoWhat should I do?
I have a crush on a good friend of mine, but she figured it out. She won't talk to me. And she even won't make eye contact with me. She is a very social person, but I don't know what's going on. Can someone please help me?
1 AnswerSingles & Dating6 years agoHow do you turn a villager into a zombie in minecraft Xbox edition?
In other words, what do I have to do in order to change a villager into a zombie?
4 AnswersVideo & Online Games6 years agoWhat is the best way to handle this?
I think that I might possibly like a girl that I had one class with last year. The "problem" is she's an "atheist" and I come from a very religious family. I want to establish an actual relationship with her,but then I would feel as though I betrayed my folks. A few friends said that it wouldn't be a problem,but I don't really know. Can someone please help me? Thank you.
1 AnswerSingles & Dating6 years agoDoes she like me,or is she just being friendly?
I am good friends with a girl in my chemistry class and one day she"playfully teased" me. It was about this other girl who is in the same class with us. She was "teasing" me because the other girl said that we both are"married"(which is a complete lie). I really don't know what my friend is doing. I do kinda like her,but we already have an awesome friendship. I don't want to ruin it .
2 AnswersSingles & Dating6 years agoCould she somehow be interested in me?
There is a girl in my band class. A friend of mine told her once that I think she's cute. (That was a while back in the year.) Now she looks at me often,sometimes even when I pass her in the hall after school. Once I did pass her and through the corner of my eyes,I saw her looking at me and smiling. We don't talk at all,but I think that she might be interested in me.
2 AnswersSingles & Dating6 years agoWhen should I let her know I really like her?
I really like this girl in my Spanish class. She and I aren't really friends. I want to establish a friendship with her,but my Aspergers gets in the way.
4 AnswersSingles & Dating7 years agoHow can I handle this nervousness?
There is a girl in my Spanish class that I have a huge crush on. Whenever she walks near me,I start to shake. I really want the shaking to stop. Could someome please help?
1 AnswerSingles & Dating7 years agoShould I move on,or fix the relationship?
Mr crush is still retweeting about boyfriend and dating stuff.Now I am thinking she has found someone else.Another part of me really wants to talk to her,make everything okay.I really care about her,and the thought of her with someone else,it just makes me upset.What does it mean to retweet?
1 AnswerSingles & Dating7 years agoWhat am I supposed to do now?
Now my crush is is talking about a "boyfriend" on her Twitter account and I don't know what to do now.
Actually she is retweeting about that kind of stuff. She also retweeted something about she wasted her time on someone and the crazy thing is she really liked them.I don't know if she is talking about me but I believe she is because I didn't talk to her.Could someone please help?
1 AnswerSingles & Dating7 years ago