I want to try to remove 3 collections from my account over the course of the year....all are at least 4 years old, and all realted to bank overdrafts and one gym membership. Are there any pointers? I really want to clean up credit in time for a mortgage. Does simply paying them off help me at all in that regard?

Hi all! First post! :p All of my husbands and my credit cards are charged off, about a year or so from falling off from the statue of limitations. No pay day loans or store-cards. One school loan that is currently in deferment. I listened to my husband's voicemail messages while we were out, during the first week in January. There was a msg from "Legal Support Services," saying that my husband was named as a Defendant in a civil case and that he needs to contact him to arrange to be served. They said that they would try 3 times between certain hours.

I check my credit report at least once in every 5 months. I order the free copy of the credit report from all the 3 credit bureaus in my name. My question is, can I order a free copy of the credit report using my wife's name?

Can anybody tell me about lien priming in bankruptcy?

I got a letter from Cambece stating that I have an outstanding debt owed to CACH, LLC. It is a debt that HSBC sold to CACH. I started to get phone calls from Cambece within a few days of getting the letter. They demanded payment in a lump sum, and gave me just 2 days to come up with a "satisfactory" settlement. A payment plan was refused, and I would rather settle anyway. I sent a Debt Validation letter, CM,RRR on Monday. I'm guessing they got the letter today (Wednesday) because it is the 1st day they did not call.

Can Hilco sue me for $1700 credit card debt they bought? I'm in Texas....I was served with papers! I don't know what to expect..

can you DIY debt settlement on store credit card?? Like, Gap, Kohls, sears ect...?

I just sent the sample letter to Cash Direct Express and this is what they sent back: Thank you for your recent inquiry. Please be advised that Cash direct express is governed under Delaware law. For your convenience, we???ve attached a copy of your loan agreement and pasted the section regarding our governing laws below.

okay why do these debt collection agencies say that they are investigations and that if you dont pay your payday loan off they going to send summons for legal actions like fraud my loan was 6 yrs ago and now they want to collect. i can remember to be honest. like i dont want to pay over the phone, i asked why they didnt send me anything in writing they said they did...but i didnt received any thing. and cant tell me who its with and how they got my informaiton.

soo this place send me a letter in june saying i owe al this money and they are taking me to COurt but i end up paying them over the phone ad i asked for a Paid in full payment recpit and i yet til this day havent got it i call back the number listed in the letter sent me and nwo its disconnected theres no way i find out i call us bank and they said they never got anything saying i paid for it soo how am i supposed to find out now?? if i paid the right person or if its a freakin scam???