O just received a memorandum of costs after judgment acknowledgment of credit and deceleration of accrued interest. From CACH LLC and I do not know what it is or what it means can some one help me

My husband and I considered bankruptcy a couple of years ago and saw a lawyer paid the fees, but told them we felt the need to wait. They said we would have to file a 13 and with retirement pending we didn't see how this was possible. So now the time comes that my husband is on SS and while he is pretty much exempt from being dogged I am not. The question is we live in a community property state can I file without him seeing he is on SS or will his creditors dog me? Thanks for any advice you can give me! Ninegkids13

I have a question concerning Asset Acceptance. Apparently the company purchased my account from Dell years ago, they contacted me a few years ago and I set up bank drafts to pay the debt. I got a letter not long ago saying I owed over $2000. I have been paying on this account for several years and the debt seems to be increasing instead of decreasing. I have received no contract from the company and I am not sure where the money is going. The only thing I am sure of is that I am not making any progress.

I live in Indiana and have several on line payday loans that have devastated my financial situation instead of helping. I closed my checking account and of course last Friday they all attempted to debit my account with no success. Now one of them called today and threatened to file papers in my county for fraud. I only made one finance charge payment before closing the account. Can they do that? I have loans with Arrowhead, Paycheck Today, VIP Loanship, Nationwide Cash, Upfront Cash and Integrity Advance. I don't know what to do!!!

after i made arrangment to these people to pay on the debt and ask them to take out of my bank at the times that i got pay and they took out the day befor and it over draw my account and they kept on doing that so i was paying the bank a lot of money cause they were doing that now they are takeing it from my pay check and now what they are taking out i can not live on that

(Oops...I posted this somewhere else but meant it to be a question in this thread.) I have had the same phone number for over 3 years. About 3 months ago I started receiving calls from a woman asking for someone named "Heather". At first I was polite and told her she had the wrong number. She would question me about whether or not I knew the women. Again, at first I politely told her her she had the wrong number. With each call I got more frustrated and finally asked her if she was stupid as I have told her numerous times that she has the wrong number.

I have had the same phone number for over 3 years. About 3 months ago I started receiving calls from a woman asking for someone named "Heather". At first I was polite and told her she had the wrong number. She would question me about whether or not I knew the women. Again, at first I politely told her her she had the wrong number. With each call I got more frustrated and finally asked her if she was stupid as I have told her numerous times that she has the wrong number.

Hello. I recently received a collections letter from an atterneys office (Messrli and Kramer), apparently representing another collections agency (Riverwalk Holdings LTD "as successor in inrest to US Bank"). The original letter was obviously auto-generated: --------------- This law firm represents Riverwalk Holdings, LTD as successor in interest to US Bank. iverwalk Holdings, LTD has acquired your account and now owns your account as successor in interest to US Bank.

I have a loan with Ace Cash Express (yes, dumb I know.). I have learned a lot about them from this site. Unfortunately, it was too late. I called last week to do my renewal. They walked me through it online. I set it up for my payday last week. I am not sure what happened but they ended up debiting it a day early. Therefore, it was returned insufficient and I was charged an NSF fee by my bank. I called them immediately. I talked to a guy there who conferenced me with collections and set up arrangements for me. He also said they would refund my NSF fee.

Midland Funding LLC has issued a Writ of Execution for us on the same account that my husband is being garnished from a law firm. Another company (JC Christianson) appears to be trying to collect on the same debt as well. How can this be? Can the sheriff come and cease property when this credit debt is being collected already from someone else? Can we stop this writ from happening?