If a credit card goes to CA and the card company does a charge off and both the card company and the CA put the accounts on your reports?

A credit card account of mine was allegedly sold to Vion holdings and I got a notice from a law firm that practices in my state several months ago that they were attempting to collect. Back then, I was working with a debt management firm who told me to ignore the letter, so a debt validation was never obtained (I am no longer working with them). Several months have not passed and they are now suing me. I have not been served papers yet, so not sure what documentation they are providing, but assuming it is close to nothing, what is my play here?

Ok so I in KY. I received a call today from this company (Alliance Asset Management) wanting to collect for Sure Advance. They of course are requesting more than the original loan amount. In total I have borrowed $1000 from them and paid back $954. I sent them the letter and stated that I would agree to pay the $44 difference if they would give me a physical address to send my money to. I keep reading to ignore the calls and wait for a letter. I just wanted to see if anyone else had had any dealings with this company and what your results were. Thanks!!

I have about 5 pdl that were all done online, I have paid so much into these accounts with no end in site. Can someone please help me to see if they are legal in Texas?

I pulled my credit report from Freecreditreport.com and found some things that I havent been contacted about that are in collections, yes they are my fault and I didnt pay them from when I was younger. Well the biggest one is an apartment debt, I had to break my lease and move out due to budget constraints at the time. They sent in the amount I owed them to collections and the date its listed as opening is 12/2005. I live in Texas and if im reading this right then after 4 years I dont have to pay? Please let me know what I can do to fix this.

I was just talking w/ someone at a DIY company and he told me they only take on clients that have access to enough cash to settle w/ their credit card companies. In my case that's $65k since I owe $130k. Do all you DIY folks have enough cash for half of your debt set aside for settlement?

Hey folks, First off I wanted to thank everyone here for all of their help and suggestions. Secondly I have written a letter based on templates and info from this site. I was wondering if someone would mind glancing over it just to make sure I haven't overlooked anything (I will fill in the personal details after). Thank you! Date: Name Of PDL Your Name City, State Account # After doing research regarding Internet payday loan laws in the State of NH, I have found that your Internet payday loans are actually illegal.

have talked to several debt reduction companies, hard to pay min. payments, what else can I do?

My new husband has a credit card debt that has gone to collections. He is on Social Security Disability. I know they cannot garnish his income but can they garnish mine? This debt was before we were even married. We also own a home and two vehicles. Can they take our vehicles or other property? We want to pay this debt off but need to do it in payments.

Hi all, As I posted here, I have been successfully settled with 4 accounts so far. Citi: 20% out of $25000 and three Chase at 30% out of $21000. Thanks again to all of your advice here. As usual, I have stuck with Capital one and Discover along with one citi card. All three account is about to charged off end of this week since it's been 6 month now.