I have perpared and getting ready to send out the debt validation letter to the collection firm "Legal Firm" who is trying to collect for Chase ($4500 owed). I was going to send out a settlement letter but the amount seems some what high to me so I am asking for them to show the validation first. Cover my bases. Well, should I fear the "legal firm" will treat me worse by doing this? Will it go against me with them on trying to settle? These collections "Legal firms" scare me. Any infor and feed back will be great. Thank you for your help and knowledge.

Does QXLonline.com operate the following sites? saveadvance.com, loanreadyinhour.com, and fastcashinhourcom. I could not find any contact information on them.

to consolidate all and every debt and bill you have. i have maybe 12,000 in credit card, 2,500 in payday loans, 280 in cell phone, 170 in phone, 190 in satellite, also 2,000 in loans from relatives. i would like to get someone who knows what to do and can help me

Hi, I have about 4 or 5 accounts with collection agencies at the moment. I recently got a nice chunk of money but not enough to pay off all these bad debts. My question is - do collection agencies settle if you call them and say that you can pay 60% of what you owe and then call the account closed? Or do they keep bugging until its completly paid off?

I filed a complaint with the Delaware BBB and finally heard back from them today. This is the response from Eastside-i took out the usual we are in Delaware and abide by Delaware law. I am in California and I also provided the BBB the link and attachment of the Desist and Refrain Order from the Department of Corp in California dated, October 09. They didn't touch on that at all. I still owe them some principal which I offered to pay but this is what I got....please help me on how to respond to them?

Help, can I save my home if we are filing chapter 7?

I know this has probably been asked before on here, but I need to ask again... does anyone know an email address for PayDayMax.com? I sent them a letter thru email but it is not going thru to this email address. I also tried sending same email to CreditProtectionDepot.com, which I found in the forums as another email for PayDayMax, but it also didnt go thru. This is the only email address that will not let my letters go thru, all the other companiesthat I am dealing with have received their letters, now just waiting for response.

WOW...just by making a few phone calls, I will be completely PDL loan free by mid December. I was able to get EPP with PayDayOne, CashNetUSA and Urgent Cash Express! Solomon/Pay1Day closed my account and marked it PIF although I'm going to ask for a refund as well! Zip 19 is the only other one and I'm closing my account tomorrow and sending them letters to be rid of them as well! I can't believe I didn't do this MONTHS ago! It is such a relief to know they will be paid and before Christmas too! Now I will be able to save some money and start my 401K back up!

I'm paying off 1 collection agency and today another one called me about my second hospital bill I couldnt pay. Is there a way to merge both of the accounts together with 1 collection agency so I don't have to pay both?

can i freeze my account after overdaft fees?