:oI would like to know how I, and if yet, can go about starting debt settlement negotiations from those that have been successful. I currently have some credit card bills, yet I will use this one as an example from Citicards. At this time, the account is in debt for $6,486.16 It is also 65 days past due right now. I am not going to be able to pay this amount back, even with the minimum payments. I do have a full time job, yet it is because of all the other financial difficulties that I have gotten myself into.

I am trying to clean up my fiance's credit, just pulled her credit report and found the following: Ok backstory First: My fiance filled ch7 in 1/09 shows completed 10/09. She got her divorce from previous husband finalized in 07/2010. She has 3 collections showing on her report that were not included in the BK: 1. VIRTUOSO SOURCING GRP LLC (for dayton power and light) reported 3/2012 assigned 12/2011 for $54 (never recieved anything in writing or by phone) 2.

What is in my best interest? I have approx 30K in credit card debt. Recently our vehicle broke down and needs 4K in repairs and we still have 4yrs of payments on it and still owe approx 12K on it and it has 100K miles on it. I am current on all credit cards, car payments, mortgage and last I checked I was still above a 700 credit score. Credit cards are with the following: Chase 5400 Chase 4200 Am Express 4500 Citi 7100 Bank of America 4500 Visa 5500 I was thinking BK was the best for me since my income does not cover our monthly debts.

Hi there! I would like to ask your opinion regarding some VOD letters I am working on. I have several debts on my credit file that I don't recognize, but they all have only partial account numbers. Should I include my SSN on the VOD letters? Any help would be appreciated. Thanks :)

While I was living in M.D. a few years ago I took out some pdl's. I paid off most of then, which was a whole lot more than I borrowed of course. However there was one I didn't pay off, for one reason that's about the time I found out they were illegal in MD, also I didn't have the money to pay the outrageous interest they wanted.

I want to find a way to reduce or eliminate my finance chargers - which will reduce my monthly CC payments. I don't want a DMP or DSP - but that's all thats offered. Target told me if I enroll with Credit Counseling - they would remove my fiance charges. Does anyone know how to contact someone for this free cousuling?

In 2007 I took out a loan with CashCall. Due to finances I stopped paying in 2009. In The spring of 2010, I recieved a communication from Delbert Services that they now had the account. I sent the Debt Validation and Cease and desist letter using a template from this site. The response did not come from Delbert but from CashCall. In addition to all account info, the letter indicated that the account was now with Delbert Services.. But there was a problem: in my letter I had asked for documentation that Delbert was licensed in my home state of Florida.

the expert answer is using the old michigan address so i looked up under the florida address and under florida it is a a+ rating if you file complaints on a michigan address it does not change the ratings for all other addresses and as far as bbb is concerned if you have 300 different addresses then you are 300 different and separate businesses so a michigan can have a f and all others any combination of ratings here is the florida one and i am not a employee - just a person that looked up the rating using the florida address

enhanced recovery is insisting i pay for a at&t bill and i never had at&t service i will not pay a bill that i never even had and in their first contact they write the pay us as a i know it is yours so pay up kind of letter i filed complaints with ftc and attorney generals in both my state and florida - this is a bogus bill and i know it looking in my files after i got this letter and finding they tried this same scam on me before with nextel and disputing that got the creditor name changed to sprint then dropped until now so looks like they took the old one and brought it back to life as

I have rec'd about 16 calls to date from EAG since Jan about an illegal payday loan that I overpaid but they say was not paid in full. I let each call to vm and each one says I will be served in my county, and to date nothing. Their basing this on "fraudulent check" since I closed that account to stop the overpayments to various illegal payday loan companys months ago. Got another call today from another employee that I will have a process server deliver papers for my signature on Monday morning.