I made arrangements on a revolving account in Dec 04 that was confirmed in writing by the creditor. Before I could make the second payment their system charged off the account in Feb 05. I contacted the creditor for months trying to make arrangements to settle the debt and was told there was nothing to do because the account was charged off. They have never called me to settle the account in 6 years. During the process of applying for a new mortgage this year, the application was put on hold because the creditor shows the old account was involved in bankruptcy proceedings in 2005.

We keep getting phone calls from some goof that is impersonating an officer of the law. He is giving me the name "Terry Parker" (when I can understand him on the machine) from "Long Island Investigations" in Washington State. He is calling from a 425 area code #. Who would I send a complaint to regarding this? I have no idea what this is about and don't really want to. I would just like to get rid of the calls. This guy has an accent so thick, it smells of scam to the hilt, I'd like to see people get prosecuted for impersonating law officers.;)

I recently reached a settlement agreement with a credit card company, and paid the agreed amount. Now, the account is showing as CO (charged off) on my credit report. Is this right? I thought one of the advantages of doing a settlement was to avoid this "black mark". Do I need to have them correct it?

Besides a Cease and Desist letter asking them to stop calling me and my employer so that I can deal with my creditor directly, what other options do I have to get them to stop calling me and my employer? My employer is the bigger deal.

I've recieved a phone call at work asking if there was a procedure for giving me a summons, then they gave me a number to call with in two hour, that maybe they can give me the summon at a different location. I asked the guy John if he could send me a copy of the creditor name and amount that I owe he said he will see what he can do. I've looked them up in the internet and nothing, I went into his website that he gave me and nothing. Am I being scam?

I recently made a settlement with a CA for an old credit card account. I paid about $3000 less than was owed. I have in writing from them that they would report this account as settled in full. I paid them as agreed. This was about 3 months ago. The other day I got a letter from a different CA and it looks like they are trying to collect the remaining balance from the same account. I was wondering what my next course of action should be.

hi I have something in collections and I need to know which collection agency so I can try and resolve this. Please tell me how to get a phone number!

I just got a call from someone (Chris Jenkins) claiming to be in the legal department of United Cash Loans saying that I owed United Cash Loan $495 and that my file was at the court house ready to file with a case against me and that I should be expected to be arrested. I told them that I had no knowledge of this debt and that they needed to provide me with the documentation showing me otherwise. Of course, they refused to do that. I told them that unless I got that information, I would not be handing over 495.00 to them.

I have an issue. I am writing on behalf of my grandma who has a debt with you guys, i believe she co-signed a loan for my mother and step-father. She is now being held responsible for this debt, being the co-signer I can understand that, but Why is my mother and step-father not being held responsible they both have jobs? They are enjoying there rides on my grandmothers expense!

I live in Texas and received a payday loan from Loanpoint USA two years ago. They got a handful of bi-weekly interest payments from me, but I do not know how much specifically or how much the original loan was for. My best recollection is that it was a loan of $700. But that bank account closed subsequently with this pdl snowball and the loan defaulted from there. So I have no record to be sure. Nothing happened for about a year and a half. Three months ago I received a letter from the Farrell Law Group in regards to this debt. I responded with a debt validation letter.