I posted here a while ago, I had been served with a some legal looking papers that were threatening to file a lawsuit with my county for a Capital One Debt, (Suttell & Hammer) I replied by sending a request for Validation within the reply period, sent it certified and whatnot, requesting all futher contact via certified mail, phone calls to stop etc, and of course the validation of the debt. The 30 days response time is up here next week, and I've heard nothing at all from the firm threatening the legal action.

Hello everyone. I live in NY, and I already know that PDLs are not legal here. After I closed my bank accounts and sent out my letters, I got this response from one of my PDLs (Accu-Check Cash Now): Actually our company never credited you with a payday loan which is illegal in the state of New York. We credited you a Cash Advance, with is of course two different things...that is according to the law. I will not make any further communication with you, because your file has been turn over to our collections dept.

i have received a summons from a debt collections lawyer. and they say in the summons i owe $652. i tried to call and settle with them and they refused any offer i made. they said they would call back and never did. i received another letter with a specific person to call and when i call and ask to speak to her they refuse to let me or tell me she will call back and never does. ive tried multiple times to settle with these people, they sent me another letter sayin they entered paperwork into the court for a judgement, i dont know what to do about this. is there any thing that i can do?

I have about 30K in CC debt, int. rates range from 15%-30%. I've tried the personal loan route, no go. Debt to income to high. I have a law firm telling me settlement is the way to go, they say debt mgt plans are a scam and kill credit scores. I can afford around 1,000 month to get out, any idea's from anyone? All advice is appreciated...

nice catch with myloves.kw.it does irk me when an idiot comes on trying to gleen info with the purpose of commiting fraud in any form.we are here to help people with legitimte debt issues not help them defraud anyone.

Hi All, I have received 2 PIFS thanks to the help I found here. Now, I believe that OneClick and Ameriloan are the same company. I received two emails from their recovery departments where they want me to log in and make payments arrangements. I sent the letter that I have sent 15 times since August 31st. Last night I received two calls... One from Ameriloan and one from OneClick. I have way overpaid on both of these loans. Do I talk to these people or no? Does anyone have any experience with these companies? Thanks!

Hello, Hoping to get some help form the experts. My Citibank business card has been delinquent for close to 160 days now. I have spoken with them several times trying to work out a settlement. Best I could get was 70% or a 0% payment plan. The balance was $26,000 when delinquency began in March, and the balance is now close to $31,000. I couldn't afford the $500/mth payment so I refused that offer. Talked to Citi last Friday and they said that someone else would be handling the account and contacting me in a week. Well that happened yesterday, Phillips and Cohen.

I just registered with this site, and am seeking a bit of help in ohio. I currently have a couple loans unfortunately and it's to the point, of paying one off just to get it again. i cant seem to break the cycle and realize the irresponsibility of my actions. let me tell you a little info: I took out a loan with western sky, who then transferred it to cash call. The loan amount was for 850 dollars and i have currently made payments totaling 735.36, and according to reading around the forums, i am only responsible for the 850 dollars.

I received a 1099 c last year for a credit union which I claimed on my taxes. I just received a letter from an attorney trying to collect the same debt. What do I do?

Could you please give me any information on this phone number? Is this a legit company? Have been calling family members that I have never used as a reference and I have no clue what they want. Any information would be helpful..