I talked today with a lady regarding my 57 day late Advanta bank corp account. First of all she mentioned to me debt management, I then mentioned to her that dmp would not help my monthly payments be lowered and I mentioned debt settlement. She then told me that they do not deal with DS companies as they require them to "sell" my account and they don't do that. I had never heard that before. And she also said that as of the 30th my account would leave her department and so somewhere else, collections I assumed. I explained my situation to her and she wasn't rude but she still was wanting me to make a whole payment when I had just explained that I could not. We then got cut off when I went down into a bad cell phone place. If they don't deal with DS companies, will they deal with DS lawyers?Reason for Editing (Minimum 15 Characters)
Asked on 11:23 am Sep 23rd 2008
Anonymous
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Good for you! Go get 'em. Good luck.
Here's a useful link to someone who claims to have beaten three conampies, Pro Se, attempting to collect:
howtoanswerasummons.com/howtowinjunkdebtbuyerlawsuit.htmReason for Editing (Minimum 15 Characters)
Answered on 2:14 pm Jun 12th 2009
Anonymous
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Hey, does anybody know if I am in a better position to negotiate with a credit card company if they see that I sold my house or will that hurt me because it looks like I should have more funds to pay bills now?Reason for Editing (Minimum 15 Characters)
Answered on 9:07 am Jun 15th 2009
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Hard to say. A creditor factors in a lot of things when they consider settling. Like how much you owe them, how delinquent the account is , what state you live in , the other debts you owe that they see on your credit report , and your hardship and budget. These are just a few examples other things they look at before considering accepting a settlement offer.Scammed ? File complaints at these links
[url=http://www.ic3.gov/crimeschemes.aspx#item-5">FBI
[url=https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en">FTC
[url=http://www.debtconsolidationcare.com/forums/about2865.html">State Attorney Generals
[url=http://www.tascsite.org/educenter.php?id=4">TASC Reason for Editing (Minimum 15 Characters)
Answered on 11:07 am Jun 15th 2009
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a lot of home sellers today have little to no equity in their house when the sell, so no profit or cash is left after selling exprnses are paid. what matters is how much you owe and for how long.Reason for Editing (Minimum 15 Characters)
Answered on 5:09 am Jun 16th 2009
Anonymous
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I sold the last of my annuities for $7,000.00. I owe in cc debt about $30,000.00 to three cc companies. $9,000.00 of this is to advanta which is charging the largest interest. I am in a nonprofit debt payment program and have been paying religously for the last year. I am out of money except for my small pension once this is spent. I have heard that I cannot get a settlement unless I stop paying. Should I stop paying Advanta? What amount should I offer for a complete settlement? Other advise appreciated. ThanksReason for Editing (Minimum 15 Characters)
Answered on 6:04 pm Jun 22nd 2009
Anonymous
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I sold the last of my annuities for $7,000.00. I owe in cc debt about $30,000.00 to three cc companies. $9,000.00 of this is to advanta which is charging the largest interest. I am in a nonprofit debt payment program and have been paying religously for the last year. I am out of money except for my small pension once this is spent. I have heard that I cannot get a settlement unless I stop paying. Should I stop paying Advanta? What amount should I offer for a complete settlement? Other advise appreciated. ThanksReason for Editing (Minimum 15 Characters)
Answered on 6:04 pm Jun 22nd 2009
Anonymous
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I have been on this site since 11/08. I am still getting the calls from ADvanta and have now received a letter with a "model complaint" that they may file against me. Have they sold their accounts or has anyone else received this letter?
Thanks for your replies.Reason for Editing (Minimum 15 Characters)
Answered on 1:34 pm Jun 24th 2009
Anonymous
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I also received a very official looking model complaint from Advanta back in February, and so far they haven't done anything more to me other than call every day. I've had three outsourced collection agencies on their behalf....Allied International, Advanced Call Center Technologies, and Phillips & Cohen. Phillips & Cohen has been the most recent, and they stated that Advanta still owns the account. So apparently they haven't sold it off yet.Reason for Editing (Minimum 15 Characters)
Answered on 10:13 am Jun 25th 2009
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I received a "sample complaint" today - I'm in TX and to make things interesting, I have the Advanta card but I don't have a small business - years ago I accepted the card but never had a business - we had a job loss and the account is over 180 days past due - they wouldn't work with me when I could pay and now I just can't - if I do, we don't eat basically - do they actually pursue judgements?Reason for Editing (Minimum 15 Characters)
Answered on 9:07 pm Jun 25th 2009
Anonymous
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Is it true that Advanta can only settle for 70%? They told me this is the best they can do.. not a penny less.Reason for Editing (Minimum 15 Characters)
Answered on 11:15 am Jun 30th 2009
Anonymous
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