So we are 178 days late and they have offered 30%. I know this is a great offer but we really need 25% and so far they are declining it. They said in two days it will go to their recovery dept and at that time they will decide if it will stay with internal collections or external. 1. If it stays in internal collections will they typically keep the offers they have previously offered or will they go up? 2.If it goes to external we would figure out a way to pay the 30%. Is there anyway to know if they will decide to stay interal or go external?? 3.

My account is getting ready to charge off. Was not able to come to a settlement agreement I could afford with Bank of America. In reading posts on this site, part of validation is the CA needs a signature on original contract. This CC was opened through MBNA 20+ years ago. What are the chances Bank of America has this? Any strategic suggestions in dealing with CA? Don't know who it'll be yet.

if this company is from out of town, how can they have a local landline?

I have not recieved a bill from the National Credit Systems but they have notified all 3 credit bureaus of a debt. I called to see if they can send me a statement of my account and I was told no. I hung up and they called me back and said that they can fax me a copy of the original amount due. This was a judgement for an eviction, I was under the assumption that the judgement took care of the debt. Please help what should I do????

If the debt is sold to the collection agency and the original debt SOL is expired, how do I get the original creditor and collection agency to remove it from my credit report?

I have a loan with think cash (FBD Loans) and missed one payment but picked back up the next month making regular monthly payments. This loan was supposed to be paid off in Feb however, it has been extended to June because of the missed payment. This is an additional fee of $600.00 because of one missed payment. Any suggestions ? That doesn't seem very fair.

I'm getting sued for 10k by Cach LLC. Should I try to set up payments or should I go to court? I need a maximum of 200 per month would they let me do that?

At this site http://www.paydayloaninfo.org/stateinfo/AR.asp I read the phrase: "Legal Status: Legal (Applies to check cashers only)" What does that mean, for a check casher it is legal to offer payday loans, but for other businesses it is illegal?

I am trying to fully understand the subject of payday lending, so I spent many hours studying every message on every sticky thread.

I got a phone call yesterday from a man with a thick mid eastern accent saying he wanted my lawyers info because I was being sued for a payday loan. He would forward the info to my lawyer and than I was due in court two days following. Don't have a lawyer now he wants to set up payment plans for $645.00 and won't fax or email any info to me.