I have a judgement filed by American Accounts & Advisers

Hi SnwMan000

Welcome to the forums

You should contact American Accounts & Advisers immediately and ask them to validate your debt. Further if you find that the information in your credit report is wrong then you can dispute the same with the credit bureau. You should follow the following steps:

i. Lodge a complain with FTC if you have unsuccessfully tried to resolve the dispute with the credit bureau. This power is granted by the new FCRA law,2003.

ii. You should hire an attorney as he will be in a better position to help you in this legal battle.

iii. Before sending the dispute letter please attach with it a statement describing your side of the story.
But please remember to validate your debts from American Accounts & Advisors. If you do not receive any response then lodge a complain against them in FTC for violating fdcpa. To know further about FDCPA and your rights please click on the following link :

http://www.debtconsolidationcare.com/fdcpa.html

Hope you will find this information useful.

Regards
Peter.

Hi SnwMan000

As you are unaware about the said debt, please dispute it with your credit bureau and the creditor to provide the necessary details about it.

They will have to present your accounts in the proper way otherwise you have the legal right to file a case against them as per the FCRA laws.

Regards
Roxette

how do i go about getting the late payments and collects off my report

Negative information will stay on your credit report for as long as 7 years.

You can consider consolidation program to bring the accounts current and wipe off all the financial charges and the late fees from it. The [URL="http://www.debtconsolidationcare.com/program.html"]debt consolidation program[/URL] will help you in reducing the total amount of your debt by 40% to 60%.

Additionally, you will be offered easy monthly payments plans to make your repayment easier. After all the accounts are paid in full, your accounts will be reported as paid in full in your credit report.

You should try to settle this debt as early as possible so that it does not largely hurt your credit ratings in the future. You can also enter into a free counseling offered by this website and know your various available options.

what if you do not owe enough or cannot do the debt consolidation? I tried this with this company and nothing was said. They sent my to a guy named richard and he called once and never heard back from him? i would like to consolidate but they say if you do not owe more than 7,000 they will not touch you

I was told that medical bills werent enough to consolidate but I was also told that I cannot get into a debt consolidation program because I am not really that in debt but I am I need help with this situation I have 5 different payday loans in defualt and I have things like medical bills and stuff like that I don't have any credit cards to pay off cause I don't own any all I own is debit cards can someone help?

Hello.
Iam going to court tom. for a case regarding my Bank of america acct. I am working with a credit firm and they dropped the ball on this one. I wanted it settled before this. If I receive a judgement against me are there any laws that can help me if I am willing to pay entire amount with in 30 days? I live in california. Can this wipe the judgement away ASAP? Thanks

Jenny, I responded to you already in another thread, but heres what I said in case you haven't seen it.

Quote: