| Posts by good.nelly |
| Posting date
| Subject
|
| Posted: Thu May 15 0:10:37 2008 |
Hey Jason its a good article ....wedding in .. |
| Posted: Fri Apr 25 0:01:38 2008 |
Hi hevnly chick
You can go through the .. |
| Posted: Wed Apr 16 0:17:25 2008 |
heeeee heee nowadays for fishing net is required .. |
| Posted: Sun Apr 13 22:48:28 2008 |
I received this mail....it is another phishing .. |
| Posted: Sat Apr 12 0:51:13 2008 |
Oh thanks Denny.......so wen is this .. |
| Posted: Sat Apr 12 0:46:06 2008 |
Laree
We have nothing to do with your .. |
| Posted: Sat Apr 12 0:40:54 2008 |
Hi kathy
Karen is right......we are a .. |
| Posted: Sat Apr 12 0:37:50 2008 |
Hi totallynaive
You can get some help .. |
| Posted: Sat Apr 12 0:31:59 2008 |
Work numbers have been used by credit card .. |
| Posted: Sat Apr 12 0:22:08 2008 |
Oops the guest was me....i again forgot to log in .. |
| Posted: Fri Apr 11 22:30:19 2008 |
I dint get the whole idea Can someone explain to .. |
| Posted: Fri Apr 11 22:25:38 2008 |
hi puddle......i have donated some points to .. |
| Posted: Fri Apr 11 22:20:09 2008 |
It is said that laughter is the best .. |
| Posted: Fri Apr 11 22:14:21 2008 |
Congrats to both of you.....thanks for helping .. |
| Posted: Tue Apr 8 3:15:45 2008 |
hey kristy,
Firstly decide why should you go .. |
| Posted: Tue Apr 8 1:33:34 2008 |
yes i agree with tweety....bankruptcy should .. |
| Posted: Tue Apr 8 1:29:57 2008 |
hi anisha
You can take help from the free .. |
| Posted: Sun Apr 6 23:15:08 2008 |
Yes C Bonnila.......keeping a track of everything .. |
| Posted: Sun Apr 6 23:05:30 2008 |
The post is not meant to hurt anyone.....someone .. |
| Posted: Sun Apr 6 22:59:27 2008 |
MATHS :) .. |
| Posted: Fri Apr 4 6:17:01 2008 |
Hi pitchick-76
Given below are the things that .. |
| Posted: Fri Apr 4 4:07:41 2008 |
Oh yeah, negotiating with credit card companies .. |
| Posted: Fri Apr 4 2:50:02 2008 |
Hi tomhanksfan
In such a scenario u should go .. |
| Posted: Thu Apr 3 23:10:05 2008 |
hey smckaybiz......i know it must be really .. |
| Posted: Thu Apr 3 23:01:30 2008 |
hi grlnew
don't worry......they wont sue you .. |
| Posted: Thu Apr 3 5:48:14 2008 |
Hi
Yes u have heard it right....apart from .. |
| Posted: Thu Apr 3 5:39:42 2008 |
Here is another scam known as - Consider things .. |
| Posted: Wed Apr 2 23:47:42 2008 |
Hi smckaybiz
With id theft on rise, you know .. |
| Posted: Wed Apr 2 23:19:16 2008 |
Follow the disputing way.....it would help you in .. |
| Posted: Mon Mar 31 23:16:50 2008 |
Hi exit72,
I dont get u.....u have already .. |
| Posted: Mon Mar 31 22:59:59 2008 |
I agree with you, we have to be careful while .. |
| Posted: Mon Mar 31 22:33:24 2008 |
It is advisable not to give any kind of .. |
| Posted: Sun Mar 30 23:00:07 2008 |
I recently visited a shelter n I saw a 10 year .. |
| Posted: Sat Mar 29 0:30:12 2008 |
hi mshirley
you can avail a free consultation .. |
| Posted: Sat Mar 29 0:23:31 2008 |
Yes thats true the lender can foreclose....but if .. |
| Posted: Fri Mar 28 23:59:19 2008 |
Hi Denise
Iam really sorry that it happened to .. |
| Posted: Fri Mar 28 23:44:01 2008 |
Hi janiece
Are you weighed down with multiple .. |
| Posted: Fri Mar 28 23:39:43 2008 |
Take enough time to reach an agreement. If the .. |
| Posted: Fri Mar 28 22:33:23 2008 |
I have heard that some collection agencies agree .. |
| Posted: Fri Mar 28 22:18:31 2008 |
Yes it is indeed a wonderful story that inspires .. |
| Posted: Thu Mar 27 22:28:44 2008 |
Hi one crazy debtor (btw how much do u owe...was .. |
| Posted: Thu Mar 27 1:19:52 2008 |
Yup 2ndband........i had heard somewhere that if .. |
| Posted: Tue Mar 25 2:54:52 2008 |
How can a piece of paper determine your working .. |
| Posted: Tue Mar 25 2:45:11 2008 |
A charge off usually takes 7 years to get .. |
| Posted: Tue Mar 25 1:11:09 2008 |
You might find this .. |
| Posted: Tue Mar 25 1:01:01 2008 |
All of us should fight back against this whole .. |
| Posted: Tue Mar 25 0:56:30 2008 |
I do agree with suebeehoney, the disputing .. |
| Posted: Tue Mar 25 0:52:21 2008 |
Hello waterlu3
Tweety is rite, as all your .. |
| Posted: Mon Mar 24 6:22:16 2008 |
Wow tatz really a good news...congrats cannr and .. |
| Posted: Mon Mar 24 6:18:30 2008 |
happy easter .. |
| Posted: Mon Mar 24 5:44:35 2008 |
Thanksssssssssssssssssssssss all of u .. |
| Posted: Fri Mar 21 23:36:39 2008 |
Hi sdchargers
I do agree with you that one .. |
| Posted: Fri Mar 21 23:24:27 2008 |
Hey guest
Do not accept any stupid letter from .. |
| Posted: Fri Mar 21 22:56:36 2008 |
Hi
In my opinion you should continue making .. |
| Posted: Fri Mar 21 22:41:51 2008 |
It will take just 37 seconds to read this and .. |
| Posted: Fri Mar 21 22:28:27 2008 |
Vote for Unclewulf into the Hall of Fame .. |
| Posted: Thu Mar 20 2:39:39 2008 |
loads of love to Tania.....she is indeed an .. |
| Posted: Thu Mar 20 1:17:38 2008 |
Hi andrea
Earlier piggybacking was quite a .. |
| Posted: Thu Mar 20 0:56:07 2008 |
The party would be a big hit....dont worry about .. |
| Posted: Wed Mar 19 3:33:08 2008 |
if u had disputed it with one of the CRAs then .. |
| Posted: Wed Mar 19 3:03:39 2008 |
Yes remembering dates is something very .. |
| Posted: Wed Mar 19 0:33:00 2008 |
I have heard some really really bad stories about .. |
| Posted: Wed Mar 19 0:25:31 2008 |
Do not panic if they have responded your DV .. |
| Posted: Tue Mar 18 23:43:30 2008 |
Hi fb,
How old is the debt Do you have all the .. |
| Posted: Sat Mar 15 4:32:19 2008 |
Yup eghymay .....i guess CAs are scared of debt .. |
| Posted: Fri Mar 14 3:47:20 2008 |
yup instant credit becomes difficult wen u place .. |
| Posted: Fri Mar 14 2:56:30 2008 |
Hi guest
If you had sent the CA a DV letter .. |
| Posted: Thu Mar 13 4:59:31 2008 |
hi whitelions
As far as I know Checking .. |
| Posted: Thu Mar 13 4:54:37 2008 |
Hi Sue Chappell
This is a debt forum and we .. |
| Posted: Thu Mar 13 4:48:45 2008 |
Hi all
In my opinion prior to signing up with .. |
| Posted: Thu Mar 13 4:08:20 2008 |
Hi
In my opinion not paying your bills .. |
| Posted: Thu Mar 13 1:05:50 2008 |
Hi neatnoe
You can avail the free consultation .. |
| Posted: Thu Mar 13 0:51:31 2008 |
Ooops !!!! Tat was me .......i forgot that i was .. |
| Posted: Thu Mar 13 0:21:46 2008 |
Hi Stifflermm
what kind of info do you require .. |
| Posted: Thu Mar 13 0:16:25 2008 |
Hi CCCP
In my opinion do not take a new loan .. |
| Posted: Wed Mar 12 23:45:44 2008 |
Hi RSnody
Normally most of the lenders are .. |
| Posted: Wed Mar 12 23:35:58 2008 |
hi guest
Did you send them a validation letter .. |
| Posted: Mon Mar 10 4:58:21 2008 |
The site has an article on the steps to do if you .. |
| Posted: Mon Mar 10 4:42:23 2008 |
hi .. |
| Posted: Mon Mar 10 1:19:09 2008 |
thanksies socks!!!!! .. |
| Posted: Tue Mar 4 22:11:09 2008 |
Collection agencies threatening to arrest .. |
| Posted: Tue Mar 4 22:05:29 2008 |
They called me a filthy parasite for not paying .. |
| Posted: Tue Mar 4 21:51:26 2008 |
oh! another stupid trick used by these .. |
| Posted: Mon Mar 3 1:18:20 2008 |
hi guest
No, putting a fraud alert does not .. |
| Posted: Sun Mar 2 23:23:20 2008 |
These people will call you dozen a times in a day .. |
| Posted: Sun Mar 2 23:16:42 2008 |
They are horrible people. Someone Mr Higgins from .. |
| Posted: Sun Mar 2 22:37:51 2008 |
Hi guest
address is
1100 North King Street, .. |
| Posted: Sun Mar 2 22:33:47 2008 |
hi hearts
When you monitored your report, did .. |
| Posted: Sun Mar 2 22:13:00 2008 |
hi guest
In my opinion lying to credit .. |
| Posted: Sun Mar 2 22:09:25 2008 |
hi renay
this might help u .. |
| Posted: Fri Feb 29 3:02:31 2008 |
I found this in my mail box
Technology has .. |
| Posted: Fri Feb 29 2:06:13 2008 |
Ohhh wow road warrior tatz something .. |
| Posted: Fri Feb 29 1:57:11 2008 |
Hey laurel
I went through the article indeed a .. |
| Posted: Sun Feb 24 23:05:48 2008 |
Hi mudzone
Yes you have heard it right.....a .. |
| Posted: Fri Feb 15 2:38:15 2008 |
Hi guest
I know it is quite difficult to get .. |
| Posted: Fri Feb 15 2:35:22 2008 |
schweetheart420
As far as I know credit .. |
| Posted: Fri Feb 15 2:12:04 2008 |
These are some of the credit repair scams that we .. |
| Posted: Tue Feb 12 21:27:02 2008 |
Hi whodidit
Yes it is a possibility that .. |
| Posted: Mon Feb 11 22:33:37 2008 |
Hi
You can dispute the erroneous, false or .. |
| Posted: Mon Feb 11 22:25:06 2008 |
hey guys you can check out the link.......it .. |
| Posted: Mon Feb 11 22:21:39 2008 |
Yup guest....credit bureau and credit reporting .. |
| Posted: Mon Feb 11 21:58:05 2008 |
Hi weary and tired
Morningstar is absolutely .. |
| Posted: Sun Feb 10 22:40:46 2008 |
Deleting negative information will unarguably .. |
| Posted: Sun Feb 10 22:22:57 2008 |
Hi meowing
Paying off your collection accounts .. |
| Posted: Sun Feb 10 22:08:39 2008 |
Hi
I found out this link...it might help .. |
| Posted: Sun Feb 10 22:07:07 2008 |
Hi whiterock
I agree with spatterson.....do .. |
| Posted: Sun Feb 10 21:53:45 2008 |
HeyZinker7
You can go through the link given .. |
| Posted: Mon Feb 4 21:42:35 2008 |
Yup smckaybiz
Mailing the dispute is surely a .. |
| Posted: Mon Feb 4 21:26:34 2008 |
Hi unclewulf
With a low limit card it is .. |
| Posted: Sun Jan 27 21:48:15 2008 |
In my opinion getting a home at this condition .. |
| Posted: Sun Jan 27 21:41:27 2008 |
Hi mike
Try going for any kind of settlement .. |
| Posted: Sun Jan 27 21:25:50 2008 |
Hi
Filing Chapter 13 for pdls is an extremely .. |
| Posted: Sun Jan 27 21:18:28 2008 |
Hi guest
Have you tried using the free .. |
| Posted: Sun Jan 27 21:12:33 2008 |
>>> yes Who Knows I agree with you. They .. |
| Posted: Sun Jan 27 21:03:03 2008 |
Hi guest
I completely agree with .. |
| Posted: Sat Jan 26 3:21:20 2008 |
I googled and found this
Albuquerque, NM .. |
| Posted: Fri Jan 25 21:54:14 2008 |
Hi Dosswar
VISDSNB is a VISA card by a .. |
| Posted: Thu Jan 24 3:04:51 2008 |
Hi patricia
As a consumer you have your rights .. |
| Posted: Thu Jan 24 2:59:58 2008 |
Hi all
You can go through the given below .. |
| Posted: Thu Jan 24 2:49:03 2008 |
Hello ashley
As far as I know in Kentucky, .. |
| Posted: Thu Jan 24 1:40:19 2008 |
Hi mrthumper
I could find out some of the .. |
| Posted: Thu Jan 24 1:22:19 2008 |
hi mrthumper
You can avail the free .. |
| Posted: Thu Jan 24 0:00:10 2008 |
The first step towards is to realize that you .. |
| Posted: Wed Jan 23 23:42:49 2008 |
Hi pamela
I agree with frogpatch. Read the .. |
| Posted: Wed Jan 23 23:24:06 2008 |
Hi
The first thing you should do is to ask the .. |
| Posted: Mon Jan 21 23:18:21 2008 |
They are really notorious people collecting debts .. |
| Posted: Mon Jan 21 0:04:11 2008 |
Hey Jamie
I googled and found out the .. |
| Posted: Sun Jan 20 23:30:43 2008 |
PDls one has to be really careful with them, they .. |
| Posted: Sun Jan 20 23:03:02 2008 |
Debt validation letter should be sent to the .. |
| Posted: Sun Jan 20 22:53:46 2008 |
Yes be prepared with a strongly worded second .. |
| Posted: Sun Jan 20 22:34:38 2008 |
A charge off simply means that the creditor has .. |
| Posted: Sun Jan 20 22:22:31 2008 |
From what I have seen nine out of ten CAs do not .. |
| Posted: Sun Jan 20 22:12:14 2008 |
HI FYI
If Iam not wrong is verification letter .. |
| Posted: Sun Jan 20 21:59:45 2008 |
Yes the added $1250 is pretty upsetting. You must .. |
| Posted: Sun Jan 20 21:52:31 2008 |
Hey leah get in touch with the insurance company .. |
| Posted: Fri Jan 18 5:19:00 2008 |
Hi mdc
In my opinion you should first ask the .. |
| Posted: Fri Jan 18 5:16:40 2008 |
Hey laurel do not worry. I know it feels bad when .. |
| Posted: Thu Jan 17 22:30:17 2008 |
My sister could not qualify for an auto loan .. |
| Posted: Thu Jan 17 21:46:47 2008 |
Hi monro411
Yes late payments do hurt your .. |
| Posted: Fri Jan 11 2:38:45 2008 |
I was wondering whether people actually feel .. |
| Posted: Thu Jan 10 4:23:15 2008 |
You can also find the sample letters .. |
| Posted: Thu Jan 10 1:35:27 2008 |
yup asking a debt collector to validate the debt .. |
| Posted: Tue Jan 8 0:24:58 2008 |
Oh my gosh!!!! You have enrolled yourself in a .. |
| Posted: Tue Jan 8 0:00:11 2008 |
Hi Dolly
Can you please throw more light on .. |
| Posted: Mon Jan 7 23:57:35 2008 |
I think negative items that are accurate can only .. |
| Posted: Mon Jan 7 23:41:51 2008 |
Hi FYI
Are the inquiries soft or hard ones If .. |
| Posted: Mon Jan 7 5:33:51 2008 |
Hi amg
You can avail the free consultation .. |
| Posted: Mon Jan 7 5:21:39 2008 |
I hope everything works out properly....best of .. |
| Posted: Mon Jan 7 4:11:27 2008 |
Hi husky
You can avail the free consultation .. |
| Posted: Mon Jan 7 4:03:11 2008 |
Accounts that have a positive payment history .. |
| Posted: Mon Jan 7 3:54:01 2008 |
Yeah Glynis, they need to dispute it .. |
| Posted: Mon Jan 7 3:51:21 2008 |
Yup I agree with Morningstar. FICO credit-scoring .. |
| Posted: Mon Jan 7 3:38:00 2008 |
With a bad credit you can still manage to get an .. |
| Posted: Mon Jan 7 2:57:54 2008 |
"Date Updated" is the last time when a .. |
| Posted: Mon Jan 7 2:32:14 2008 |
Yup a paid charge off is certainly better than a .. |
| Posted: Mon Jan 7 1:40:39 2008 |
With so many fraudulent companies running around .. |
| Posted: Fri Jan 4 1:40:28 2008 |
Send them a cease and desist letter via .. |
| Posted: Fri Jan 4 1:38:15 2008 |
Tania my best wishes are there with .. |
| Posted: Fri Jan 4 0:06:26 2008 |
I have heard many financial experts advising to .. |
| Posted: Thu Jan 3 23:44:41 2008 |
Usually a charge off stays on your report for 7 .. |
| Posted: Thu Jan 3 23:40:57 2008 |
Hi
You can go through the ranking .. |
| Posted: Thu Jan 3 23:25:20 2008 |
In order to qualify for Chapter 7 one has to go .. |
| Posted: Thu Jan 3 22:52:26 2008 |
Best of luck guest......I hope everything works .. |
| Posted: Thu Jan 3 22:47:12 2008 |
Hi greekluv
In my opinion you should .. |
| Posted: Thu Jan 3 22:37:39 2008 |
With so many scams going around one must do a .. |
| Posted: Thu Jan 3 22:26:33 2008 |
Whatever agreement you are doing be sure that is .. |
| Posted: Thu Jan 3 22:00:45 2008 |
Do as mommontoya says, do not pay them a dime .. |
| Posted: Wed Jan 2 23:17:11 2008 |
That was quite an info .. |
| Posted: Wed Jan 2 23:14:36 2008 |
Yes the whole stuff is all about debt to credit .. |
| Posted: Wed Jan 2 22:52:43 2008 |
Hi chels
You have two secured cards as well as .. |
| Posted: Wed Jan 2 22:49:32 2008 |
Hi chels
Paying an old charge-off will not .. |
| Posted: Wed Jan 2 21:39:08 2008 |
Repairing credit on your own is the best way out, .. |
| Posted: Wed Jan 2 5:17:22 2008 |
One Night 4 College Students played till the wee .. |
| Posted: Wed Jan 2 4:55:41 2008 |
Happy New Year all of you
Loads of .. |
| Posted: Wed Jan 2 3:06:58 2008 |
yup validation of debt is very important....most .. |
| Posted: Wed Jan 2 2:53:38 2008 |
Hi elektra
In my opinion you can think of as .. |
| Posted: Wed Jan 2 2:49:45 2008 |
Hey Ashley
I found this...I hope it helps .. |
| Posted: Tue Jan 1 23:24:49 2008 |
Hi moonlight
Apart from FICO there is
1. .. |
| Posted: Tue Jan 1 22:46:51 2008 |
These are some of the tips that will help you in .. |
| Posted: Tue Jan 1 22:33:29 2008 |
Hey I just googled and found their .. |
| Posted: Tue Jan 1 22:08:36 2008 |
Hard inquiries are the ones that you initiate by .. |
| Posted: Mon Dec 31 3:29:00 2007 |
I guess CAs are scared of the term .. |
| Posted: Mon Dec 31 3:24:55 2007 |
Best of luck Ang....hope everything works out .. |
| Posted: Mon Dec 31 3:13:24 2007 |
Hi annes
Iam not sure whether you want to know .. |
| Posted: Mon Dec 31 3:07:14 2007 |
Hi Foxy60
Iam sorry I have had no experience .. |
| Posted: Mon Dec 31 3:03:38 2007 |
Hi help27
Dispute it with the CRA as well as .. |
| Posted: Mon Dec 31 0:18:09 2007 |
Hi seeme
The first thing in my opinion you .. |
| Posted: Sun Dec 30 22:28:38 2007 |
Hi mellkay
Divorce and credit are two big .. |
| Posted: Fri Dec 28 0:16:30 2007 |
Payday loans can turn out to be a real trouble if .. |
| Posted: Thu Dec 27 23:37:34 2007 |
It is thought that bankruptcy is the last resort .. |
| Posted: Thu Dec 27 23:08:10 2007 |
Yes that's a good thing about getting enrolled in .. |
| Posted: Thu Dec 27 22:41:48 2007 |
Yup we have loads of information here.....so do .. |
| Posted: Thu Dec 27 21:57:06 2007 |
Hi cynjayb
Can you please be more specific .. |
| Posted: Thu Dec 13 22:14:13 2007 |
Hi Steph
With debt consolidation you are .. |
| Posted: Thu Dec 13 21:48:31 2007 |
Hi pogo
You can go through some of the sample .. |
| Posted: Thu Dec 13 21:44:40 2007 |
Hi guest
Yup u can take legal actions against .. |
| Posted: Wed Dec 12 23:33:05 2007 |
hey even Im not aware of these ads
You are .. |
| Posted: Wed Dec 12 23:22:19 2007 |
Taking the first step that is addressing the .. |
| Posted: Wed Dec 12 22:47:44 2007 |
Hi Evany
The Divorce decree has got nothing to .. |
| Posted: Wed Dec 12 22:26:53 2007 |
Any account you open, your dealings with it will .. |
| Posted: Wed Dec 12 22:22:44 2007 |
Yup it is possible...if a CA reports negative .. |
| Posted: Wed Dec 12 21:58:16 2007 |
I found this link...its pretty .. |
| Posted: Wed Dec 12 21:53:41 2007 |
is like a mold it grows rapidly. I have stopped .. |
| Posted: Wed Dec 12 21:45:57 2007 |
is not an easy task but its surely not .. |
| Posted: Tue Dec 11 23:42:03 2007 |
Send a DV letter to Palisades requesting them to .. |
| Posted: Tue Dec 11 22:48:04 2007 |
Hi Krystal
You have to send a validation .. |
| Posted: Tue Dec 11 22:39:27 2007 |
Its gud tat they dont have ur SSN. But you have .. |
| Posted: Tue Dec 11 22:29:48 2007 |
hi resy
You can repair your credit yourself. .. |
| Posted: Mon Dec 10 23:57:43 2007 |
The CA should send you copies of
Documents that .. |
| Posted: Mon Dec 10 23:14:23 2007 |
Yup...do it yourself is the best option that can .. |
| Posted: Mon Dec 10 23:07:00 2007 |
In my opinion responsible use of credit cards is .. |
| Posted: Mon Dec 10 22:48:02 2007 |
Hmmm I guess because brand names work. Most of .. |
| Posted: Mon Dec 10 22:25:30 2007 |
wow tats really good jay
Keep us posted n .. |
| Posted: Mon Dec 10 5:49:17 2007 |
Hi lilspeed
you can go in for a free .. |
| Posted: Mon Dec 10 5:42:48 2007 |
Hi
If the credit bureaus investigation result .. |
| Posted: Mon Dec 10 5:35:55 2007 |
You need to dispute it with them ohhh... dont .. |
| Posted: Mon Dec 10 5:07:56 2007 |
Removing negative entries that are obsolete, .. |
| Posted: Wed Nov 28 23:39:31 2007 |
Yup...even I have heard a lot about true credit n .. |
| Posted: Wed Nov 28 23:10:55 2007 |
Hi jay
A secured card is definitely a good .. |
| Posted: Wed Nov 28 22:44:54 2007 |
Our love with the plastic money can actually make .. |
| Posted: Wed Nov 28 22:33:39 2007 |
Beware of these so called credit repair .. |
| Posted: Wed Nov 28 21:58:14 2007 |
I have a very bad experience with credit repair .. |
| Posted: Wed Nov 28 21:31:53 2007 |
Hi candiceann
Bankruptcies stay in your report .. |
| Posted: Sat Nov 24 4:40:25 2007 |
Under the FCRA every consumer has a right to .. |
| Posted: Sat Nov 24 3:59:06 2007 |
Ohhh wow dez...hmmm tats sounds good .. |
| Posted: Sat Nov 24 3:46:07 2007 |
Hi all
I also heard that FICO is stopping the .. |
| Posted: Sat Nov 24 2:57:55 2007 |
Hi Shodankid
Dispute the errors and inaccurate .. |
| Posted: Fri Nov 23 23:41:34 2007 |
Hi Phacia
In my opinion you should not open .. |
| Posted: Wed Nov 14 4:05:09 2007 |
Bossy is absolutely right...prior to signing up .. |
| Posted: Wed Nov 14 2:54:23 2007 |
Yep...i agree with debtstinker..debt .. |
| Posted: Wed Nov 14 2:06:47 2007 |
Hi ansy
Checking your credit report is very .. |
| Posted: Wed Nov 14 1:43:42 2007 |
In my opinion talking to your creditor regarding .. |
| Posted: Tue Nov 13 23:05:31 2007 |
Hi flyman
What is this USF Please let us know .. |
| Posted: Tue Nov 13 22:37:14 2007 |
Hi guest
I have not had any experience with .. |
| Posted: Tue Nov 13 22:14:15 2007 |
There is no such thing known as quick fix in .. |
| Posted: Tue Nov 13 21:50:30 2007 |
Hi
Car loans are regarded as unsecured loans. .. |
| Posted: Tue Nov 13 5:20:00 2007 |
Just hang around......sumone will be here to help .. |
| Posted: Tue Nov 13 5:10:37 2007 |
Hmmmmm a bunch of liars and cheaters again .. |
| Posted: Tue Nov 13 5:03:45 2007 |
Hi Tillamook
In my opinion you should ignore .. |
| Posted: Sat Nov 10 2:45:22 2007 |
Hi Tony
Only a few companies out of the .. |
| Posted: Sat Nov 10 2:18:09 2007 |
hmmmm happy bday......i hope im not late .. |
| Posted: Sat Nov 10 2:16:57 2007 |
All of us are here to get rid of the term called .. |
| Posted: Sat Nov 10 2:02:51 2007 |
just received a call from .. |
| Posted: Fri Nov 9 23:43:43 2007 |
hi
I hope everything turns back to normal....i .. |
| Posted: Fri Nov 9 23:25:04 2007 |
Hi lucrecia
Debt consolidation is surely a .. |
| Posted: Fri Nov 9 22:56:47 2007 |
One of my friends had a horrid experience with .. |
| Posted: Fri Nov 9 22:38:56 2007 |
Hi flyman
Though i do not have any personal .. |
| Posted: Fri Nov 9 22:26:52 2007 |
Yes this site has helped so many people to get .. |
| Posted: Fri Nov 9 9:42:45 2007 |
Hi mslisa
you have already got some great .. |
| Posted: Fri Nov 9 9:37:21 2007 |
Hi flyman
It is indeed very important to do .. |
| Posted: Fri Nov 9 9:20:31 2007 |
Hi wadley 1 ..you can go through the link given .. |
| Posted: Mon Nov 5 5:49:33 2007 |
Hi 100% debt
There is nothing to be .. |
| Posted: Mon Nov 5 5:05:13 2007 |
Hi
can you please help us understand your .. |
| Posted: Mon Nov 5 5:03:38 2007 |
Hi
Im sorry wont be able to help you out, as I .. |
| Posted: Mon Nov 5 5:00:03 2007 |
Running credit checks before employing people is .. |
| Posted: Mon Nov 5 4:37:22 2007 |
Thanks for such an informative post .. |
| Posted: Fri Nov 2 0:23:16 2007 |
hi Jennifer
Do as dollars said....however .. |
| Posted: Thu Nov 1 23:39:05 2007 |
Nowadays its very important to check the .. |
| Posted: Thu Nov 1 23:00:25 2007 |
hi granny
I too have a fetish for shoes. I .. |
| Posted: Thu Nov 1 22:47:18 2007 |
Hi ark06peaches
You have to tell us a little .. |
| Posted: Thu Nov 1 18:50:53 2007 |
What is the latest book that you reading Howz .. |
| Posted: Thu Nov 1 18:49:32 2007 |
Whats the latest movie you have seen Any .. |
| Posted: Thu Nov 1 6:12:39 2007 |
hi shugwhite
In my opinion you should ask Nina .. |
| Posted: Thu Nov 1 5:57:05 2007 |
hi rich 44
You are the authorized user for the .. |
| Posted: Tue Oct 30 0:05:23 2007 |
Credit repair scams are quite common these days. .. |
| Posted: Mon Oct 29 23:40:19 2007 |
Though payment history is one of the important .. |
| Posted: Mon Oct 29 23:21:27 2007 |
woowwwww great suggestions .. |
| Posted: Mon Oct 29 23:01:16 2007 |
hi jaydanielle 1
Get a free consultation by .. |
| Posted: Mon Oct 29 22:53:07 2007 |
Yes most of the mortgage lenders advise you to .. |
| Posted: Mon Oct 29 21:55:01 2007 |
Hi Denny
I do agree with you....some moments .. |
| Posted: Sat Oct 27 11:24:58 2007 |
Thats such a great thought. Life is not about .. |
| Posted: Sat Oct 27 11:18:24 2007 |
Thanks finsfan13,
Can someone help me get .. |
| Posted: Sat Oct 27 4:37:29 2007 |
hi terriecocoa
U have to provide us adequate .. |
| Posted: Sat Oct 27 4:27:32 2007 |
Its good that you have disputed it lets see wat .. |
| Posted: Sat Oct 27 4:17:51 2007 |
Hi aprilfirst
In my opinion you should ask .. |
| Posted: Sat Oct 27 4:09:16 2007 |
Hi Bethany
You can go through the link given .. |
| Posted: Sat Oct 27 4:05:42 2007 |
Yes sometimes closing old accounts make .. |
| Posted: Sat Oct 27 3:54:17 2007 |
Hi all
I think a person should be always given .. |
| Posted: Sat Oct 27 3:23:16 2007 |
I have started editing it. I added a link .. |
| Posted: Sat Oct 27 3:22:42 2007 |
After reading . I started exploring the section .. |
| Posted: Sat Oct 27 0:07:42 2007 |
heeyyyyyyy its a gud idea........contact them as .. |
| Posted: Fri Oct 26 23:59:39 2007 |
hi dreamer72
yes u have heard it .. |
| Posted: Fri Oct 26 23:01:29 2007 |
Ohhh I had heard that closing accounts can .. |
| Posted: Wed Oct 24 0:40:07 2007 |
Hi Bethany
I agree with you....inaccurate and .. |
| Posted: Wed Oct 24 0:28:31 2007 |
Hi hankyspanky
I agree with you .. |
| Posted: Tue Oct 23 23:36:35 2007 |
Hi
Joint debts are a trouble when you divorce. .. |
| Posted: Tue Oct 23 23:03:41 2007 |
Hi guest
you are absolutely right...we should .. |
| Posted: Sun Oct 21 23:26:47 2007 |
Thanks FYI that was quite an info
Take .. |
| Posted: Sun Oct 21 23:10:14 2007 |
Hi sdcharger
Do not worry...everything will be .. |
| Posted: Sun Oct 21 23:00:57 2007 |
Hi Kelly
Though I haven't dealt with them but .. |
| Posted: Sun Oct 21 19:40:40 2007 |
I was watching Forest Gump (ofcourse again) and .. |
| Posted: Sat Oct 20 11:59:35 2007 |
What is the point in starting it in dec We should .. |
| Posted: Sat Oct 20 6:57:00 2007 |
I had some free time today and was searching .. |
| Posted: Wed Oct 17 23:53:36 2007 |
Collection agencies harassing innocent consumers .. |
| Posted: Wed Sep 26 0:47:20 2007 |
Hi Thanks2all
There are some states that have .. |
| Posted: Wed Sep 26 0:26:44 2007 |
Hi mrhender
The Three bureaus with three .. |
| Posted: Wed Sep 26 0:19:20 2007 |
Hi Isnbrss
You can go through the link .. |
| Posted: Wed Sep 26 0:12:10 2007 |
Hi Isnbrss
I hope everything settles down .. |
| Posted: Mon Sep 24 4:49:57 2007 |
Hi
I have heard some really bad stories about .. |
| Posted: Mon Sep 24 4:20:12 2007 |
Hi srowan
I hope everything turns out well for .. |
| Posted: Mon Sep 24 4:14:41 2007 |
They simply want to harass you.....so do not give .. |
| Posted: Mon Sep 24 4:07:07 2007 |
Hi jcemt
Its really nice to get so much info .. |
| Posted: Mon Sep 24 4:00:29 2007 |
Hi guest
Certified mail gives the sender the .. |
| Posted: Mon Sep 24 3:49:52 2007 |
yes I know....it really bothers when you are .. |
| Posted: Mon Sep 24 3:28:14 2007 |
Fear is the number one tactics used by these .. |
| Posted: Fri Sep 21 0:39:46 2007 |
Hi
Though I do not know anything about this .. |
| Posted: Thu Sep 20 23:47:55 2007 |
Hi Bethany
Avoiding one's debts is not an .. |
| Posted: Thu Sep 20 23:38:10 2007 |
Yes it is correct....under the FDCPA, until and .. |
| Posted: Thu Sep 20 23:15:40 2007 |
Hi Manda
Send them a debt validation letter, .. |
| Posted: Thu Sep 20 19:24:09 2007 |
Rather call them execution proof. .. |
| Posted: Thu Sep 20 11:48:56 2007 |
Don't get me wrong. I had similar reaction when I .. |
| Posted: Thu Sep 20 6:13:58 2007 |
Hi all
For the past few days I was busy .. |
| Posted: Mon Sep 10 3:49:13 2007 |
Someone who has experience in dealing these .. |
| Posted: Mon Sep 10 3:44:20 2007 |
These people can not threat you with actions that .. |
| Posted: Mon Sep 10 3:03:19 2007 |
happy .. |
| Posted: Mon Sep 10 2:55:38 2007 |
Yes i agree with you, until and unless we take .. |
| Posted: Mon Sep 10 1:01:22 2007 |
Hi
Yes you are doing something good. But what .. |
| Posted: Mon Sep 10 0:18:19 2007 |
Oh my god!!!! Its again Universal Fidelity. My .. |
| Posted: Sun Sep 9 23:46:21 2007 |
Hi
SubiGirl is right. You know that you owe .. |
| Posted: Sun Sep 9 22:49:15 2007 |
I know a friend of mine who filed bankruptcy on .. |
| Posted: Sun Sep 9 22:30:54 2007 |
Bankruptcy should be your last resort. Try opting .. |
| Posted: Fri Sep 7 5:48:14 2007 |
I have heard that charged off debts are really a .. |
| Posted: Fri Sep 7 5:40:42 2007 |
Yes it is true that bankruptcy affects your .. |
| Posted: Fri Sep 7 5:34:53 2007 |
Hi
Yes it would be better if you highlight the .. |
| Posted: Fri Sep 7 3:36:19 2007 |
Morningstar is right. Make your agreement in .. |
| Posted: Thu Sep 6 3:58:20 2007 |
I too have heard a lot about them and their scary .. |
| Posted: Thu Sep 6 0:55:35 2007 |
Hi
you are right!!! do not pay them a single .. |
| Posted: Thu Sep 6 0:31:52 2007 |
Do you really owe this debt...that should be your .. |
| Posted: Thu Sep 6 0:20:30 2007 |
Do not pay them a single penny without validating .. |
| Posted: Thu Sep 6 0:15:49 2007 |
Ohhh!!! they can even do that...I can bet on it. .. |
| Posted: Thu Sep 6 0:00:42 2007 |
Under the FDCPA a third party collection agency .. |
| Posted: Wed Sep 5 23:33:39 2007 |
Hi devom
Lawstudent is right. If you dispute .. |
| Posted: Wed Sep 5 23:31:44 2007 |
The letter is pretty well written. Send the .. |
| Posted: Wed Sep 5 22:53:24 2007 |
They are nothing but a bunch of crooks. I know .. |
| Posted: Wed Sep 5 0:14:09 2007 |
Follow Lawstudent's advice. Do not worry .. |
| Posted: Tue Sep 4 23:59:00 2007 |
Hi
You did the right thing. We should exercise .. |
| Posted: Tue Sep 4 23:31:43 2007 |
In my opinion if someone has decided to file for .. |
| Posted: Tue Sep 4 5:52:12 2007 |
You can go for . As you are under unmanageable .. |
| Posted: Tue Sep 4 4:24:17 2007 |
Hi kelly
Luke is rite. Why dont u consider .. |
| Posted: Tue Sep 4 4:15:13 2007 |
Ladybug tat was a good advice.
Take .. |
| Posted: Tue Sep 4 3:21:58 2007 |
Hi Ladybug
I agree with u. After bankruptcy .. |
| Posted: Tue Sep 4 2:53:28 2007 |
Hi Bethany
Do not worry, we all r there with .. |
| Posted: Tue Sep 4 2:16:48 2007 |
I agree with Cajun. A debt validation letter .. |
| Posted: Tue Sep 4 1:56:02 2007 |
Its ridiculous...how can these people flatly say .. |
| Posted: Tue Sep 4 0:23:58 2007 |
SOL stands for statute of limitations. It is the .. |
| Posted: Mon Sep 3 23:13:44 2007 |
A debt validation (DV) letter is sent to a third .. |
| Posted: Mon Sep 3 23:06:13 2007 |
As far as I know, in-house collection agencies .. |
| Posted: Mon Sep 3 22:39:01 2007 |
Under the FCRA, the credit bureaus have to .. |
| Posted: Mon Sep 3 1:10:23 2007 |
Bankruptcy do eases your strains a bit. You do .. |
| Posted: Mon Sep 3 0:32:32 2007 |
Hi Bethany
I agree with Linda, it is what you .. |
| Posted: Wed Aug 29 3:11:24 2007 |
why do u want to declare yourself bankrupt Why do .. |
| Posted: Wed Aug 29 2:48:47 2007 |
Hi
Many people consider bankruptcy as an .. |
| Posted: Tue Aug 28 21:57:40 2007 |
Hi Bethany
Though bankruptcy will make you , .. |
| Posted: Mon Aug 27 4:19:22 2007 |
Hi
I agree with Anthony. You can stop all the .. |
| Posted: Mon Aug 27 4:08:49 2007 |
I have found the following adress
Palisades .. |
| Posted: Mon Aug 27 3:55:33 2007 |
Yes you are right. We must exercise our rights. .. |
| Posted: Mon Aug 27 3:37:26 2007 |
Hi
Send them a Cease and desist letter via .. |
| Posted: Mon Aug 27 3:02:00 2007 |
Wow .. |
| Posted: Mon Aug 27 2:59:25 2007 |
Dispute it with the bureau as well as the CA. .. |
| Posted: Mon Aug 27 1:57:06 2007 |
Hi
LawStudent is correct. Your creditors have .. |
| Posted: Mon Aug 27 1:45:19 2007 |
Hi
Debt validation is the best way out. But .. |
| Posted: Sun Aug 26 23:56:18 2007 |
A debt collector is supposed to provide you in .. |
| Posted: Sun Aug 26 23:21:43 2007 |
Immediately dispute it with your bank. Do not .. |
| Posted: Sun Aug 26 23:16:38 2007 |
My collection credit cards .. |
| Posted: Sun Aug 26 22:50:20 2007 |
In my opinion you should send them a debt .. |
| Posted: Sun Aug 26 22:23:44 2007 |
Its an utter violation of FDCPA. Once the .. |
| Posted: Fri Aug 24 0:52:33 2007 |
Midland Credit Management
8875 Aero Drive Suite .. |
| Posted: Fri Aug 24 0:31:19 2007 |
I agree with you Trinity. Education is the best .. |
| Posted: Fri Aug 24 0:11:46 2007 |
In my opinion the agreements that are written are .. |
| Posted: Thu Aug 23 23:16:07 2007 |
Oh...REALLY !!!!! LOOK WHO IS TALKIN We know that .. |
| Posted: Thu Aug 23 23:03:42 2007 |
Cajun I have even heard that arbitration can be .. |
| Posted: Thu Aug 23 5:45:42 2007 |
Charge off accounts is a derogatory mark in your .. |
| Posted: Thu Aug 23 5:36:22 2007 |
Another violation of FDCPA. Oh my gawwwwd. Thanks .. |
| Posted: Thu Aug 23 5:24:33 2007 |
Dealing with collectors over the phone is a nerve .. |
| Posted: Thu Aug 23 5:02:40 2007 |
Most of these companies charge fees prior to .. |
| Posted: Thu Aug 23 4:38:49 2007 |
Debt validation indeed is an efficient tool to .. |
| Posted: Thu Aug 23 3:11:42 2007 |
But Cajun do debt collectors adhere to these laws .. |
| Posted: Thu Aug 23 3:05:59 2007 |
It is helpful to keep a record of all the calls .. |
| Posted: Thu Aug 23 2:04:35 2007 |
Hi slayeeg
For the sample letters you can .. |
| Posted: Thu Aug 23 0:49:55 2007 |
Yes Cajun is again correct. Debt validation is .. |
| Posted: Wed Aug 22 23:11:12 2007 |
Definitely its FDCPA violation. They can not .. |
| Posted: Mon Aug 20 23:16:26 2007 |
Hi Charles
Credit score is that number that .. |
| Posted: Mon Aug 20 23:07:09 2007 |
Improving bad credit is a stressful job but it is .. |
| Posted: Mon Aug 20 22:08:43 2007 |
Hi
Steg is right. You should make every .. |
| Posted: Mon Aug 20 3:30:11 2007 |
Hi stunner
In my opinion you should get the .. |
| Posted: Mon Aug 20 3:24:38 2007 |
Hi Randy
Bossy is right. Debt consolidation is .. |
| Posted: Mon Aug 20 1:30:20 2007 |
A charged off account if paid will be listed as .. |
| Posted: Fri Aug 17 6:49:32 2007 |
Yes I agree with weeswie. Never make any .. |
| Posted: Fri Aug 17 6:33:45 2007 |
If a debt becomes out of statute it doesnt mean .. |
| Posted: Fri Aug 17 6:25:56 2007 |
In my opinion debt validation letter is your best .. |
| Posted: Fri Aug 17 5:57:46 2007 |
In my opinion, paying off the loans with higher .. |
| Posted: Fri Aug 17 5:24:05 2007 |
Ohhhhhh!!!!! I have heard some terrible stories .. |
| Posted: Fri Aug 17 4:32:09 2007 |
Any inaccurate or false information has to be .. |
| Posted: Fri Aug 17 3:44:49 2007 |
They can sue you, but it does not mean that they .. |
| Posted: Wed Aug 15 4:50:35 2007 |
If you make the payment, it may reset the statute .. |
| Posted: Wed Aug 15 4:19:49 2007 |
Hi Christie
As per the Federal law you have .. |
| Posted: Wed Aug 15 4:12:08 2007 |
You can definitely get hold of unsecured cards .. |
| Posted: Wed Aug 15 2:46:07 2007 |
Yes they will do everything possible under the .. |
| Posted: Tue Aug 14 6:14:49 2007 |
Hi queenmama
Its better that you send a .. |
| Posted: Tue Aug 14 6:06:02 2007 |
They cant call your employer and discuss about .. |
| Posted: Tue Aug 14 5:50:38 2007 |
Dont worry these are just sleazy tactics to .. |
| Posted: Tue Aug 14 5:30:17 2007 |
Pioneer Credit Recovery is a wholly owned .. |
| Posted: Mon Aug 13 6:04:49 2007 |
Dealing with collectors over the phone is not an .. |
| Posted: Mon Aug 13 5:51:34 2007 |
Hi Susie
We all want to pay off the money we .. |
| Posted: Mon Aug 13 5:23:36 2007 |
Phone calls to collectors...NO WAY. Its always .. |
| Posted: Mon Aug 13 5:13:05 2007 |
Debt collectors use sleazy tactics like .. |
| Posted: Mon Aug 13 3:42:20 2007 |
Thanks Karen for the post. Consumers are .. |
| Posted: Mon Aug 13 3:12:08 2007 |
Beware of them. They talk rudely…and .. |
| Posted: Mon Aug 13 0:26:04 2007 |
Hi
You can go through some of the sample .. |
| Posted: Sun Aug 12 23:31:54 2007 |
Hi rainallura
Did you validate the debt with .. |
| Posted: Sun Aug 12 23:07:49 2007 |
I really have no clue......If you dont have any .. |
| Posted: Sun Aug 12 22:41:37 2007 |
Hi jbmims
Debt validation letter is indeed the .. |
| Posted: Fri Aug 10 1:24:34 2007 |
Hi Bigdog
LawStudent is correct. You can stop .. |
| Posted: Fri Aug 10 1:00:18 2007 |
Hi
As per the FDCPA, you have the right to ask .. |
| Posted: Thu Aug 9 22:49:46 2007 |
Hi guest
Yes we have to stop them!!! But we .. |
| Posted: Thu Aug 9 22:27:49 2007 |
Allied Interstate is famous for its notorious .. |
| Posted: Wed Aug 8 6:16:46 2007 |
hi waterbug
The self restrain you have shown .. |
| Posted: Wed Aug 8 6:00:38 2007 |
Yes it is very important to maintain a clean .. |
| Posted: Wed Aug 8 5:40:16 2007 |
Hi
Cajun is right if this account is in good .. |
| Posted: Wed Aug 8 5:24:43 2007 |
Hi
Its really nice that you have paid somewhat .. |
| Posted: Wed Aug 8 3:02:06 2007 |
Hi
Under FDCPA a consumer has the right to .. |
| Posted: Tue Aug 7 5:38:33 2007 |
Most of these agencies do business by .. |
| Posted: Tue Aug 7 5:00:47 2007 |
Hi
According to FCRA every consumer has the .. |
| Posted: Mon Aug 6 5:13:55 2007 |
Under the FDCPA, they HAVE to validate the debt. .. |
| Posted: Mon Aug 6 5:06:10 2007 |
Yes...they are bunch of crooks ....nothing more .. |
| Posted: Mon Aug 6 4:27:59 2007 |
I agree with Suebeehoney. Credit report .. |
| Posted: Mon Aug 6 3:50:31 2007 |
As far as I know the debts that are out of .. |
| Posted: Mon Aug 6 1:03:05 2007 |
You can file the dispute with your bank as well .. |
| Posted: Mon Aug 6 0:36:13 2007 |
it's REALLY REALLY REALLY REALLY weird. I'm at a .. |
| Posted: Mon Aug 6 0:28:57 2007 |
In my opinion you should go to your bank and .. |
| Posted: Mon Aug 6 0:07:59 2007 |
Hi Brandi
It definitely is not fair....every .. |
| Posted: Sun Aug 5 23:58:37 2007 |
Hi Dan
It was indeed a great advice. Many of .. |
| Posted: Sun Aug 5 23:16:46 2007 |
Identity thieves get hold of your personal .. |
| Posted: Sat Aug 4 5:31:48 2007 |
Hi
You can also send a Cease and Desist letter .. |
| Posted: Sat Aug 4 3:32:07 2007 |
Its really disgusting!!!! How can you cheat on .. |
| Posted: Sat Aug 4 3:14:38 2007 |
Under FDCPA, the collector must be able to give .. |
| Posted: Sat Aug 4 0:35:52 2007 |
You did the right thing by sending them a cease .. |
| Posted: Fri Aug 3 23:58:49 2007 |
Yes....I know such debt collectors are really .. |
| Posted: Fri Aug 3 23:03:49 2007 |
Hi Steve
In my opinion getting another credit .. |
| Posted: Fri Aug 3 6:17:14 2007 |
Hi Lori
Onelamb is right. Debt validation is .. |
| Posted: Fri Aug 3 5:46:59 2007 |
This period starts when the debtor becomes .. |
| Posted: Fri Aug 3 5:32:33 2007 |
No. It has no negative impact on your credit .. |
| Posted: Fri Aug 3 4:39:06 2007 |
I agree with Eddie, a charge off is in itself a .. |
| Posted: Fri Aug 3 3:32:47 2007 |
Hi LawStudent
Debt validation indeed is the .. |
| Posted: Thu Aug 2 5:47:10 2007 |
Hi Majorie
Send a DV letter to Portfolio and .. |
| Posted: Thu Aug 2 5:37:22 2007 |
Hi
If you are planning to sue them then make .. |
| Posted: Thu Aug 2 5:27:27 2007 |
Hi Bertha
Cajun is right. We must get the debt .. |
| Posted: Thu Aug 2 5:22:56 2007 |
Hi
If their first contact with you was over .. |
| Posted: Thu Aug 2 4:41:46 2007 |
hi puddlejmpr
You are correct....its our moral .. |
| Posted: Thu Aug 2 4:22:52 2007 |
Hi waterbug
You did the right thing by asking .. |
| Posted: Thu Aug 2 4:11:12 2007 |
I know its sumtimes very upsetting..u know the .. |
| Posted: Thu Aug 2 3:58:38 2007 |
Hi guest
We r here to discuss the ways that .. |
| Posted: Thu Aug 2 3:44:05 2007 |
Hi Granny
Collection agencies try their best .. |
| Posted: Thu Aug 2 0:35:14 2007 |
Majority of the collection agencies do not abide .. |
| Posted: Thu Aug 2 0:09:05 2007 |
The first letter the CA sends must notify you .. |
| Posted: Wed Aug 1 6:23:32 2007 |
DV is definitely the most efficient way to deal .. |
| Posted: Wed Aug 1 6:13:09 2007 |
Hi cellular
What surprises me is how can they |