I have an outstanding debt with capital one. Today I received a notice for what appeared to be an attorney's letterhead, however the body of the letter clearly stated that no attorney had reviewed this and the letter included the mini miranda also stating they were a collection agency? Is this an fdcpa violation? Deceptive collection practices? Also can anyone tell me what the largest settlement amount is they've seen Captial One accept?

Holy Moley. I just came back after being away and the whole board is spam. Whats going on? Also one of my posts on Health Issues by Ohio Gal says "today" when I posted it last week.

Scenario: I used to have a PDL w/ CMG. Paid in full last fall. I called them for another loan and they claimed they could no longer lend to me but they would 'place the loan' with another company Hydra Financial. Hydra Financial is clearly illegal - I have searched Florida records thru Sunbiz, then their docs even state "governed by the laws of the commonwealth of New Zealand". Today, NCA advised me via mail that CMG is pursuing me for this loan from Hydra Financial. Again Hyrda financial is illegal, I told them this and they never contacted me.

Hello all, I live in Florida and closed my account after sending out all my letters. I determined all but 1 of my loans were illegals PDLs. I got my first response today stating they would settle now for half my balance or send me to collections and start penalizing my credits (see below). Is this true? Can these companies do send me to collections and hurt my credit even if they aren't legal?? Please help!!! I am in receipt of your request for revocation of your ACH payments with MB Processing.

I recently paid 3 CA's for settlement in full. I just received a credit alert saying I have a Grid Code L (Charge Off) and a NEW Major Derogatory listing for one of them (the others have not been finalized yet). The OC's already charged them off last year. What and why is this??

I was set up for the rehabilitation program for my student loans this past month after working with an understanding CA and thought the situation was taken care of. However, a few days later, I was getting phone calls from a GC CA suggesting that I needed to make more payments on this loan. The original CA sent me a copy of all the loans I owed. They never mentioned any more. I just spoke to these other people and told them that I'm already paying what I have to pay and to stop calling me.. has anyone experienced this before? They're also saying that my DAD is owing 15k!

Hello everyone! I'm new here and really would kindly appreciate any help, answers, links, and advice, that I of coarse, understand is not legal advice from an attorney! So, I have a debt collection firm reporting to my credit report and my husband's, a list of about 10 different medical bills they say I owe them. On our CRs, they cross list my spouse and i's supposed bills, his on mine, mine on his. Well, the beginning of november, I noticed they pulled our CRs about october 31. The beginning of december they filed a chapter 61. I'm in kansas, by the way.

There's a default judgement against me since 2005. I wasn't aware of it since I was served improperly. Now comes a new junk debt buyer in 2011 who bought the 2005 debt and decided to file for writ of garnishment. The court granted it and now my bank account is frozen. The original debt is 2,000, but now is 11,000 with 18% interest, court costs, lawyer's fees, etc. I came across your website that the maximum they can charge on interest is 10% in Texas when there is a judgment. Does this still remain true? Also, where can I find that stated in Texas Law?

been in a bad situation and don't want to ruin this--- got a 40% settlement offer from FIA/BOA.... wondering how low it can go..i have some income but all going to other bills and want to negotiate it down.. is it reasonable to go down to 15-20%? i also just got citi charge off and worried

HELP! I'm in DESPERATE NEED for ANSWERS to my credit card debt problems ASAP. I had excellent credit only a few years ago with 18 accounts in good standing and a FICO score of 780. Since losing my job and failing at freelancing from home I now have racked up $7,000 outstanding debt on a BOA card and $7,000 on a U.S. Bank card and a few thousand spread out on a few others (total about $17K).