I am under debt councelling and would like to negotiate lower rates and pay my own debts but I don't know how and where to start

How are fair market value of a property determined by appraiser?

Hi I received a second phone call from Portfolio Recovery, 10 days after the first one. They tried to validate my identity. They trying to collect a debt from 1990 (in CALIFORNIA). As I understand they have to mail me their demand one week after the first phone call. If I don't do anything can this debt be assumed as valid? Since I didn't gave them any information, I don't have the amount of the debt and the account number. Any advice? Thanks,

If Afni is a scam how do I get them off my credit? Please help!

I had a foreclosure last year and the second mtg is coming after me and the equity line. no bank will loan me the money to pay these guys. does anyone have a suggestions? I am not eligible to file any bankruptcy...already tried and was not able to because I owed to much debt for one and made to much for another.

Is it a violation of the FDCPA to have no contact with debtor only the lawsuit being filed ? Texas,

I got a call tonight when at first i was going to pay online as i was told from a other rep, but now i dont know he was so rude i asked to talk with his sup/manager he talked over me and hung up on me im glade i have a voice rec on my cell so when it happens again,he wanted my bank acct info I have worked for collections n i know it was a rude rep

Hi, I live in Texas and I currently have a $650 loan from cashnetusa.com. So far, I have paid 184.05$ on 10/22/10, 251.33$ On 11/5/10, and 147.62$ on 11/19/10. My next payment is 286.13 due 12/3/10. Once I make the payment on the 3rd, I would have payed in $869.13!!!! And I have another payment due for 219.59 12/17/10! What can I do to avoid paying into this? Can I write I letter? Help! Btw, the loan has been rolled over, 2 times. I understand there is a letter I can write..can someone help me set that up? And what about wage garnishment?

They contacted me both at work and my cell number. I sent them a cease & desist letter stating any further correspondence should be mail only which also asked them to verify the debt I alledgedly owe and the original documentation with my signature for a payday loan. Never heard from them for over a month until tonight where I received a voice mail message to call 1-877-683-5490 which I looked up and its FFG. Is this legal since I sent them the cease and deisist letter to contact me by phone and it has been over 30 days and have received nothing in the mail from them?

I am the student borrower on my student loan and my father is the primary borrower. I had called in October to update ACS/MEFA my new address and telephone number. When I called they never mentioned this loan had not been paid in 60 days. On Monday, it appeared on my credit report as a 60 day late payment. ACS/MEFA never updated my address/telephone number, I never received a copy of these bills or any notifications it was late. Do I have grounds to ask this to be removed from my credit report? Thank you.