I sent debt validation letter. Got print out of statements, orginigal agreement and a page that (collection screen) which is a screen print that indicates the CA was assigned to collect the debt on behalf of my original creditor. My question is how do you validate that the CA has the power to negotiate the debt settlement, what is the process to determine this after you have recieved debt validation letter?

i JUST borrowed $200.00 from DJR 3 Days Ago and Now i am HORRIFIED. How can i stop them from doing this to me ?????????????????

I called trying to be nice and explained my situation. I cannot afford to agree to the 6 payment arrangment AND pay my car note, food, utilities, etc. I asked who I could talk to about a settlement. Her response? "We don't do settlements" and then "You don't qualify for a settlement". WTF? I paid them $20K for $10K worth of loans?? OMG I am seething. I said well what am I supposed to do to qualify? She said "We don't do settlements". OMG. Then I said well I can't agree to the arrangement, and she said "You will continue to get collection calls".

I am in good standing and have been making on-time payments for several years on my Sallie Mae private student loans, but I'm tired of feeding this lousy company money. I have 11% interest on some of the loans and they're unwilling to significantly reduce interest even after several years of on-time payments. Is there a 3rd party lender out there who will pay off these loans and give me an fair rate around 6-7%?

I am 25k in credit card debt. I have four different credit cards and had to stop paying them last summer due to the fact no one was budging on helping me out (except for one) with a new payment plan. I am living paycheck to paycheck as it is right now and have no idea how I am going to stop this cycle. I have debt collectors calling me and today someone called, said she is a debt collector but was calling from a law office. I can't have them garnish my wages or I won't have anything to live on.

My, Mother died recently, I am getting phone calls from FAMS. I explained to them that she had past away. They want me to send a copy of her Death certificate. I am not responsible for any debt she had. Should I send them this information

I have been receiving phone calls from NAFS for a few months now, and I have been checking my credit report. There is nothing on there from this collection agency, but I am afraid to even call them. Should I call them, or just ignore it?

are you an accredited company?

A Mr. Low Max is calling and threating to take me to court over a payday loan that he says I did not pay have tryed to contact this loan company and can't find a number etc. Tryed to work with this guy but no such luck, have you got the number for this group huskhawk payday loans

Nelly, I have a link from you, from 2007, on RJM acquisitions. This is the second letter my mom has received since moving in with me a year ago. I think they are scanning public information, ie) vehicle registration and have matched her name with a very similar name. Of course they are trying to get mom to pay some one's old debt to Fingerhut. She has no credit score or history since I checked last year. She has never had a credit card or owned a house since her divorce in the mid seventies. Is the best course to just ignore RJM? What do you suggest? Thank you, Evette