This company contacted my mother in law regarding a DB account that my husband had. They told her how much the original debt was (which was not correct), they automatically agreed to settle for half of wha they said the original debt was, and they charged her CC for more than they agreed to settle for. They had absolutely no permission to speak with her regarding this account. We didnt even know who they were or that they were calling her until after the fact. What can we do about them violating my husbands privacy and getting her money back?

I do not believe I signed something agreeing to it, if I did they tricked me into signing it. They also call my house 15-20 times a day threatning to come get me fired from my job, they've come to my house... They will not accept payments, yet they threaten wage garnishment. What can I do??

Last October (2010) Apothekar & Assoc. garnished my bank account for a $1000 debt. I did receive the court summons but did not reply in time (my fault). The original debt was incurred in PA but they served me in NJ (where I had moved). The money they took ($126) was all from unemployment wages so after I sent them copies of my UC checks -- on the advice of the courts -- they put all the money back in my account. Since them I have contacted them via fax -- not phone -- and have heard nothing.

i have until march 25th to get my reaff to 5/3 bank. i filed a single 7. i pulled both mine and my wifes credit and it is showing as a "closed" account on mine but still open on my wifes. i called 5/3 and they said of course it will stay open on her's cause she didn't file. they said the only reason mine was being reported as "closed" was cause i didn't reaff yet. they said if i do it will start reporting as a positive again. tell me why i shouldn't do it? if i don't and can't pay, my wife goes down with the ship.

does enrolling in debt consilidation ruin your credit score?

As you all know, I have been dealing with overdrawn accounts with BofA. Well, I filed claims and I got a good portion of my money back. Today, there were 3 debits to come out of my accnts. There are holds on those as we speak. My income tax has come so I will be closing the Accnt as of today when weather permits bc we have had bad icy weather all this week. I even made BofA return funds to two of the lenders so they will leave me alone. I just want them out of my hair!! I only have Eastside lenders to deal with which is the only company that has tried to debit out of my Accnt this morning.

I have already set up an automatic draft each month to pay back the loan. I have paid 2500 dollars showing on a tax return form they sent me. They now say that arrangement was only temporary and want me to send a form that says if the loan is resold the lender can capitalize on 18.5 percent of the outstanding unpaid principal as well as any unpaid interest. RAB collects 175 plus 9 fee each month for my loan. They are still calling my work and telling me if I dont send the paper they will just garnish my wages.

Hi - I reached my first settlement:eek:. I didn't negotiatte as good as I should've but I was desperate to get the first one out of the way. My question is that the letter Chase sent me doesn't mention settlement just authorization of payments. What's the deal with this?? I hope they're not screwing me? Thanks DWD

Hi I live in California and stupidly got a loan from United Cash loan and Ameriloan. United Cash Loan loaned me 300 dollars and Ameriloan 225 and have been charging me extensions and from what I have read extensinions are illegal in California Correct? with United Cash Loan I have paid 360 dollars already on the 300 dollar loan and they are trying to get another 140 from me this coming Tuesday what should I do bout this since obviously I have overpaid them already? Ameriloan I have paid 225 and they are trying to get another 75 on Friday also wondering what I should do bout this?

I sure hope someone can help. I filed Chapter 13 about a year ago. Without going into a big long story, I know that you can't pay off the amount of the BK plan early. I was wondering though, can you negotiate with the company to pay them directly? I was thinking about negotiating a settlement with the companies, getting it in writing and then requesting a discharge of my BK. My main question is, some of our accounts have been "sold" to other companies. BofA has now been sold to ECAST. If ECAST agrees to a settlement....and I request dismissal of my BK.....can BOFA come after me later?