My husband and I are planning on buying a house this year and when I pulled our credit reports and scores which I had assumed to be over 700 each since neither of us have ever been deliquent on a card or a loan, I was shocked to find that my husband had a negative account on his report. According to the report, this account had been originally from Direct Energy and was now an Asset Acceptance account.

I received two letters today, each from NCA (National Credit Adjusters). Both state that this is a settlement offer for more than what my principle was on both PDL accounts. How should I respond to these people? I sent out the "you are illegal in Florida" letters to both PDLs and had no response from either one of them. I have not filed complaints on either one of these two yet. Any suggestions would be grateful.

Hello, I currently have 5 pdl's out and I recently discovered that some or all are illegal. I just enrolled in a debt consolidation program so that I can be setup on a payment plans the loan companies are Lansbridge/Mymoneychest, Brighton FNL, Vince Enterprises, Cmg Group LLC/Hydrafunds and Global Holdings. These companies have been overcharging my bank account to the fullest. My 1st day been in default would be today I must get out of this situation ASAP before it gets any worser. My concern is will these companies except the payment plan and are these companies legal.

I logged into my account online and they had a program offer for me to settle at 70%. I called Discover and told them I couldn't do that much and could maybe come up with 50%. They told me that my account is too new to settle at 50%, it's less than 2 years old. Do you think I could get closer to 50% if I wait or should I take the 70%? If I come up with 70% it will hurt my ability to settle other cards (Chase, Citi, Target, etc). Thanks in advance for any advice you can share.

Allen Adkins was awarded a judgement against me... I went to court, tried to dispute but judge still slammed the gavel and said "Judgement awarded." Anyway, I have been making small payments but I was wondering if they do a bank levy can they attach it to a MINOR bank account that has me as the guardian? My son is 16 and I had to put my name on his account since he is under 18 and I would HATE that they could do something to that. Please advise. Sorry.... I forgot to add I am in Texas.

I'm in CA has anyone ever delt with these people? I took out a loan for 600.00, found out they are not licensed in CA and sent the appropriate e-mails stating I would pay the principle of the loan only. No interest charges. I did not receive any response to my e-mails, now they are calling me at work daily. When I asked for an address to send a money order they get nasty, make threats and hang up on me. Any advise?

I received a call on my voicemail from this company yesterday from a "process server" saying they were going to serve me papers but I had one last chance to talk to the company to work things out. Anyway I called the number he left. Was told they were going to sue for breach of contract and check fraud. I told him that I had dealt with a bogus company trying to fraudulently collect from me before and to just file a lawsuit and I would go through the court system. Anyway the original internet loan was with Payday One, in Texas back in '08 for $500.

:confused:I have several payday loans. I have loans with the following companies: 1. Extra Funds 2. East Side Lenders 3. Flobridge 4. Cash Jar 5. Ameriloan 6. 500 Fast Cash 7. Loan Shop 8. St. Armands 9. National Group 10. TIOR Capital 11. US Fast Cash 12. Speedy Cash I also have an installment loan with Western Sky which is now Cash Call. Today I faxed a document to my bank revoking ACH draft authorization for the 12 payday loans listed above. My bank is threatening to close my account because it is overdrawn by $1350.