If you have recently been made bankrupt, you may be wondering how to get your bankruptcy handled by Wells Fargo. There are two options available to you. You can either attempt to contact your bank, or you can try a third-party company such as Wells Fargo Laid Bare. This third party company is run by Wells Fargo and offers its customers the ability to dispute and settle their debts with the lending institution itself.
The way it works is that the customer goes into the customer service department of the bank and provides the name of the creditor that has defaulted on the loan with Wells Fargo. Then the customer chooses which account details from his/her statement are accurate. In many cases the account is closed, and a new one is opened in its place.
The whole process is very easy. All that is required is that you provide the account details, and you should receive a confirmation from the bank about an anticipated credit card statement. Depending on your choice, you may also choose to have your statements sent through the mail. It is important to remember that if you do not have an account at the bank, a Wells Fargo Laid Bare representative can still help you set up an account with your financial institution.
To avoid additional charges when opening a new account, the customer must have proof of income. This income proof is usually a pay stub from a regular job. Also, you must notify the lender in writing if you change your work location, or if you accept any other kind of payment besides cash. Once you have done these things, the lender will send you a statement that explains all of the options available to you, as well as how much money you will have to pay each month until your account is paid in full.
Option One: You can pay the balance in full at the time that is stated on the Wells Fargo Lost Card. If you choose this option, you will receive a letter from the bank notifying you that your account has been reclaimed. You will then be charged an extra fee for the amount of money that you have paid in interest. You must notify the bank about this action in writing by a due date that is one month before your expected statement date. In addition, you must also explain to the bank that you would like to apply for a charge card instead of paying the full amount of the balance. Charges card options are subject to availability.
Option Two: You can add funds to your account to pay it off faster. This option requires that you send the bank a credit application. This application can be for a normal credit card, or a prepaid debit card. If you choose this option, your account will be restored once the funds are added to the account. Charges cards cannot be used to consolidate debts.
Option Three: Your account can be consolidated into one account that will no longer include fees for early payments and other charges. If you choose this option, you will need to send a Wells Fargo statement and a copy of your federal income tax return to the bank. The bank will then create a new statement for your account showing the new balance and the updated tax information. This option will update your card with the new total and cancel any old charges on your account.
Charge Offs on Accounts When you have paid a debt and it is reported to the IRS, it remains on your statement until the full amount of the debt is satisfied. The IRS will pursue collectors attempting to recover the remaining balance. However, if you pay off your account in full, including interest and fees, the IRS may not pursue you. The bank, on the other hand, is not legally prohibited from reporting the charge off to the credit bureaus. If the account is closed, but you still owe the creditor an outstanding balance, you can file a claim for refund with the IRS.
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