If I owe 11,000 in debt, how much do you think I can settle for?

A little history before I get into today's call. The account charged off with Cap One at the beginning of April. Went to their Recovery Department where they would not settle for less than 88%. Completely unmoveable. No calls or anything though - got a couple of letters asking me to call in. I did and no movement. Claimed they would never settle for less. Today I received a call from United Recovery Systems. Lady was extremely nice. I went through my thing with her.

I have 5 payhday loans and the companies are over charing me like crazy . So now I'm in a cycle of getitng a loan to cover the others can you help

I had a very interesting phone call with a collector at United Recovery Systems this afternoon. We were going back and forth on the settlement and she said to hold on she needed to see where the aggregate was. When she came back I asked her what she meant by that and how were they calculating what they would accept as settlement. She said the aggregate was the TOTAL amount collected from debtors for a particular client and if the aggregate collected was high enough then she could offer me a lower settlement.

Okay, this is going to be a long post, but I want to list all of the details because I really, really need help with this. Here's the situation: I owe US Bank roughly $10,000. This was a credit card that I used to pay for all of my things and would get points for doing so. I would usually pay this off at the end of the month, however, I ran into a bad stretch with money and needed to keep all of the cash I could get. So the balance ran up to $10,000 after about 4 months. I had all intention of paying it off and then one day I received a letter from US Bank.

I have a buddy that sued PRA and got a $3500.00 settlement. Guess what, he did owe money on the debt they were collecting. He worked with a consumer affairs attorney. The attorney got $2500.00 of the settlement. However, PRA stopped calling him. So call a consumer affairs attorney and ask how you can set these bottom feeders up for a lawsuit. It's evidently pretty easy to prove that they have broken state collection laws. I get calls from them on a debt my ex walked away from. So far I just ignore the calls. However, I am going to find out who the attorney was that my buddy used.

I am trying to find out if The Law Offices of Sidney Mickell is really a collection agency? Any help?

Does anyone know of a good "discount" Debt Settlement Company they can recommend?

So I'm speaking w/Fast & Reliable on a $500 loan that I already paid $725 on. I confirmed with my state (IL) this morning that they are not licensed in IL and are required to be in order to have made a payday loan to me. When confronted with that bit of info I was told that the loan orignated in DE, because that's where they are located and of course DE laws apply, not IL laws. I was told that since I sought them out over the internet it would be just like if I had driven to DE to make this transaction with them. How do I respond?

Hello, I received a call today from a company called cash loans stating that I owed $502 dollars for a payday loan. I tried to ask the young man what company did I get the loan from, the date of the loan, the amount of the loan before the interest charges. But he failed to give me that information. Secondly I tried explaining to him that I have three payday loans that I am in good standing with, I also informed him that bank said that there is no indication that anyone has been trying to debit that amount from my account.