I received an “ATTORNEY PLACEMENT PENDING” letter from discover. I’m at about 205 days on 3,800. Letter states, “if we do not hear from you by June 30th, your account will be forwarded to an Attorney to obtain a judgement against you.” I’m pretty sure June 30th is 220 days, which is after charge off! I speak to Discover occasionally and they state there is no settlement for this account. They’ve stuck to their guns. This is actually my Mom’s account. Health issues, no income, living off Social Security with no means to pay.

OK, reviewing my credit report, I find a company that put a hard pull on my credit file this past January. The name doesnt ring any bells, for sure, but the company is located in a place I lived in 8 years ago. Is there any time limit for companies to continue running your credit? For example, if I had a charge-off account with a company 15 years ago, could they continue to pull my credit forever like this?

Hello I finally joined the forum after a few days of reading all the information that you have. I am dealing with CRS 877-457-4640 regarding an internet payday loan I had with JVC. They've been calling nonstop threatening me with a summons to court if I don't pay the debt.

How do I colsolidate Pay Day loans?

I am currently laid off from work...most likely permanently, and am collecting unemployment. I also have court ordered child support as monthly income. I currently am not it debt, per se, but I have 17 bills in my name and a very high rent payment. My monthly income is $1600. I have been living on savings and received some assistance with my rent payment for a couple of months. I have not defaulted on any of my bills, but am afraid if I do not find work soon this will happen. I want to know if I qualify for such a loan. My credit scores are in the low to mid 600s. Nicole

I live in Florida and owe a debt. A law office called and said they have been contracted by the collection agency to collect the debt. The compnay i owed the money to charged the account off and sold it on 4/13/2001. I want to pay so i asked them to send me a writting what owed and break down of charges. They said that they are not obligated to do so. What are my choices seeing that the SOL in florida is five years fron the date of last payment.

I sent them a CD Letter last week. I had a loan with them in the original amount of $300 and made two payments of $105 for a total of $210 and asked for a mailing address to send the remaining $90 principal balance that is owed. I recieved the below email today. How do I respond? We are in receipt of your letter, and would like to take this opportunity to address you concerns. The LLS America (???LLS???) prides itself in complying with the law and providing excellent products and customer satisfaction.

Does anyone know why my debt keeps getting sold to a new CA as soon as I send a DVL??? This has happened 3 times so far with the same debt. Is this common???

My account AMEX account went to NCO and has balance of 8K 160 days past due. I sent them debt verification and Arbitration letter. Today I received a package with past statements. Will they settle now? What should I do? Any advice? Thanks

Hi I live in Texas and was wondering if anyone can tell me how to tell if the loans I have are illegal or not. I have loans from the following mycashnow.com integrity icashadvance onclickcash ace cash advance firstcash.com and one that i can not remember that comes up in ach as govemploans. On everyone of these I have paid more in interest than what the original principal was. I ran into hard times with my sons medical bills and have fallen into the deadly black hole of payday loans. Any information would be great.