Has anyone ever really been sued by this company? I panicked and gave them my info. Going change my check account.

First - thanks to all of you on here - you are extremely helpful. I have been receiving calls from Portfolio Recovery Assocs. about a cc debt. Thanks to this forum, I have refused to acknowledge any debt over the phone and have twice requested a debt validation letter. They have sent me nothing yet continue to call me. Is a debt validation something I need to request in writing? Any help is appreciated.

has anyone ever heard of the dept of check services. i have been called and told these people have and affidavid of charges with my info. and they will be executing these papers unless i clear this up before 7-15. it was a case investigator who called and said that i have am being charged with theft of services, what in the world is this all about. getting really scared. help

Can one realistically request to negotiate on "Paid in Full" and pay to delete basis even in a debt settlement negotiation?

we have worked out deals with all of our creditors through hardship programs and they were all pretty easy to work with but our last one is cap one and i ran into a wall. they want to settle for 60% which would be great if i had the money. they want $1,400 per month for 3 months. there's no way i can swing that. they said they don't do hardship payout plans. they said i could pay $200 month just to keep from charge off but that woulddn't reduce the debt any. i have to do something soon or it will charge off. anyone have a suggestion?

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i have several payday loans out and i just can't get on top of them and my rent how can you help me ? and by the way I filed for bankruptcy several years ago and it was discharged.

Hello All: Well, we are now six months into our journey, have settled many accounts - but with funds very limited at this point and the remaining three creditors threatening the dreaded charge off - I am wondering what does that really mean? One of the accounts is already with the collection agency FirstSource Advantage - and they call nonstop. I have yet to speak with them, but they are now telling me they need to get in touch with my urgently. What happens when an account charges off?? Does that mean you can't negotiate anymore? Are your hands tied?

As a former employee of Curadebt, I have seen firsthand how lies and abuse have combined to form a "business" that is run as a horrible, unethical autocracy. First and foremost, employees are told from day one to lie to customers about where the business is located.

Hi everyone, I live in Texas and have the following loans out: -PayDay One $750 -Cash Central $350 -CashNet USA $700 (Got on a 3-payment Payment Plan, 1 payment left of $263.94 then its clear...whew!) -Elastic Credit $600 (Balance of about $340) All of these are licensed lenders of course in Texas (minus Elastic which is credit-based), thanks to the advice here. I know I shouldn't have, but today I tried to apply for just $200 through various lenders and was DENIED for each.