I am attempting to purchase a home but was told today that my credit score has dropped 40 points because RJM has turned in a collection on my credit report. This collection was for an overdrawn checking account at a former bank I banked with over 4 years ago! According to the SOL, this type of account would be an open account, right? If so, then the SOL is 3 years. Can RJM come after me for this expired account?!

I am 160 days late and I have a balance of about $12,400, they just offered 40% of that, roughly $5,000. Any thoughts on people that did better or worse?

Does the payday loan debt consolidation really work?

I called FIA card services in Jan 2010 and explained my financial situation and the rep put me on a payment plan for a fixed amount every month to be deducted automatically and reduce my interest rate significantly. Payments was going fine every month. Everything was fine, until in Aug 2010 I thought I'll open up one of the statements and noticed that I've been hit with late feee from Jan 2010 until Aug 2010 saying that I was past due on my payment!! I'm like, WTF. Then when I called the rep, they said, it seems like I was approved for the payment plan only in Aug 2010! I was confused!

I have been faithfully paying $500+ on a BOA Gold Option loan since March of 2008 and can't pay anymore. My last payment was July 2010, and I owe 21K. Should I call them? From the other posts, it looks like I shouldn't answer any calls from them until I get a settlement offer. Can anyone confirm this? Thanks

pay days are they illegal in nj

Do you know about National Credit Relief Bureau ??? I'am trying to get some information if this company is really good, because they are going to help me with my debts.

just got a settlement with chase for 30% of my $9,100 in 3 payments. I do have a couple more acct. to settle, but I think this was the easiest one to settle. At first they offered me 50% settlement, i waited until 5 days before being charged off, and got the 30% settlement. thank you everyone, I couldn't done it without you.........;)

My husband has 3 loans out. They are through Americash, The Cash Store, and Check N Go. The loans were for $600, $900, and $900 and the payments each month total nearly $900. These were obviously done without my knowledge and are being deducted from our joint account. I am the one having to pay these back now and I cannot afford the payments, much less to pay them off. The loan stores will not speak to me since I am not listed on the loan. I am at a complete loss and don't know what I am going to do to ever get out of this situation. Any advice?

find out who I owe money to so I can pay off my debts, many of my bills have been sent to collections agencies and I don't know how to find my balances.