I am a bit behind on a couple credit cards. I have been trying to ignore them, hoping they will go away. But this is a stupid idea, and I figure it won't work. On one I possibly owe about $900, and another about $500. So, I want to pay them and have this in my past, but I want to make sure it's done right. I received a call from Praxis, stating that they are collecting for HSBC (Orchard Bank). I received a collection notice from them about a month and a half ago. In it, it states the usual, that if I don't dispute within 30 days, this debt is considered valid.

I have an account with Staples, owned by Citibank that has a balance of about $2300.00. Back in November 2011, I setup a plan to catch up, with 3 automatic payments. The first was done on the phone and the other 2 should have happened automatically. Well, the December payment processed, but Staples didn't initiate the January (third) payment. I didn't even notice - shame on me. So the last payment was in December 2011. Last week I was contacted by McCarthy, Burgess & Wolff and was offered a settlement of $1200.00 over 3 months, but I had to take it immediately.

I have a payday loan with Holliday Group LLC that I took out last November for $390 (includes a 90.00 finance fee). I currently have a debt settlement company helping me but they still haven't resolved it and I'm wanting to do it myself. I live in Oregon. I think they sold it to debt buyer. What is the first thing I need to do and can you direct me to proper forms? My research shows they are not licensed in Oregon in the business registry. Jamie

I recently received a letter from one of my revolving creditors informing me due to derogatory information on my credit report, they were closing my account. I went online and reviewed my Equifax report and they show a judgement against me from LVNV Funding, LLC. I have never dealt with this group or have any knowledge of what they are talking about. What should I do?

Need advice on whether payday loans in Texas are legal and what to do from here . have 5 payday loans that I have been paying on since January 2012. Jet Lending $350 ogirinal loan amount payoff $475 have paid to date $475.95 Anasazi Group $200 original loan amount payoff $260 have paid to date $300 Loan Shope online $200 original loan amount payoff $260 have paid to date $300 Cash NEt USA $750 original loan amount payoff $940 new loan - have paid $0 Speedy Cash $500 original Loan amount payoff $650 have paid to date $750 I have stopped EFT/ACH transactions on my accoun

I received calls on Friday and Monday on my work phone, Friday on my cell phone and my brother received a call Saturday at his home. The caller doesn't identify themselves only to call 866-756-5428 and refer to a case number. She doesn't say I am being "served" only that she will be visiting my home or work between 12-5 p.m. on Tuesday with a packet. I am certain this has to do with PDL's I bailed on 2 years ago and I don't want to call the number to find out who it is. Has anyone else had calls from this number? I googled and nothing is listed. Thanks for your help.

Hi This is to inform all moderators that we are receiving too many complaints these days of posts/threads being deleted. Like I said before (many times by now I guess) we are against disallowing/deleting members posts/threads either in our Forums or in Social answer be it "parrot post", posts which acknowledges OP's unanswered question (so that the OP does not feel that his/her question is being ignored) and ask him/her to keep checking back for expert advice and so on. It is ONLY spams /abusive posts that violates ToS which can be deleted.

Need some advice - I received a Notice of New Account Ownership/Pre-Legal Notification letter from MCM on February 22, 2012. This is the first letter that I had received from them regarding a WebBank account. On the back it had the typical mini-Miranda "This is an attempt to collect a debt, you have 30 days to dispute, blah, blah". So I sent off my DV letter to them on March 2, 2012 CMRR.