I was wondering if anyone has heard of these people? How are they to deal with.

I am currently 90 days behind with BofA. Some history, in Oct-09 I tried to do a debt management plan through a CCCS and while USBank and Citicards were willing to reduce interest rate to 0% and 1.9% respectively, BofA would not even reduce the percentage at all. So considering my options, loss of income, medical bills, etc, I decided to stop paying with BofA in the hope of settlement. My hope was to be in it for the long haul. Most threads reflect that the best settlement is right before charge-off, somewhere around 180 days. And at about 25%.

GC Services, whose main office is in Texas but called from Florida, working for American Express stating they would help me find A job, so I called them and the web site they gave me jsa.com had nothing to do with job search assistance or jsa. One collector actually stated they where from The Law Office that in California it is a felony to misrepresent being an attorney. Another company called after 9 PM in California. Wells Fargo Bank collections from the State of Oregon and Iowa heard my reasons and still called me a fraud.

I sent 8 emails revoking ACHs from my checking account which I closed over a week ago. Pay day has come and gone and I have heard nothing from any of them. No replies to my emails and no calls because their debits didn't go through. Surely, I'm not lucky enough for them to have paid attention? Should I be holding my breath waiting for them to contact me or do you think they really will go away?

Does anyone know a reputable DMP, preferably non-profit?

anybody know the email addresses for these 2 scumbag companies?

Can someone tell me what I should expect to pay legally on these? I live in the state of TN. I've already been told that all but ThinkCash are illegal. Was considering using a debt settlement company, but wondering how difficult these would be to navigate on my own? Anybody else dealt with any of these? Thanks for your help!

I am being sued by a collection agency for a debt form 6/2006. My lawyer I hired does not specialize in these types of cases but said "we are filing an answer denying all of their allegations. They will probably send interros and requests for admissions which we will object to on the basis of your fifth amendment rights." Can you explain to me what that means and if its a common way of dealing with this sort of situation. Thank You!

I received a letter from Alliance Asset Management, Inc (AAM, Inc) - with a return address in Wood Dale, IL. They are attempting to collect a debt on behalf of LoanPointUSA. I believe I took out an ipdl with them last summer (2010). When I questioned LoanPointUSA's legality in MI (my home state) the collection rep stated that LoanPointUSA is not a store front lender but can rule under the laws of Delaware. When I further questioned how the current balanced owed was calculated the rep rudely stated, "ok, we'll request that from the lender, anything else?

We are filing for chapter 7, we are now month 3 on our modified mortgage but is behind on our 2nd. We are current on our first. We live in WA and our attorney said that it is unlikely that we are able to keep our home. Is that true?