During vacation, I wrote 4 checks that totaled 10K. I was under the impression that $$$$ from a sale was going to be deposited. Since I am trying to proactive, should I call the collection agency before the case is given to them and work out a payment plan?

I was pressured by an questionable collection agency claiming to represent Midland Financial to give my debit card info. Not a good idea I know, but I feel its a scam. Should I call my bank and cancel my card before they hit my account? Thanks!

i have one account with CITI that they were unable to offer me any other payment options since a good chunk of the funds were under a special rate of 2.9% and they said they couldn't look at any sort of payment programs or anything until that expires (which is not until about october. could not afford the monthly payments, and stopped making them as of january, but did call in monthly just to see if any options. when i called yesterday i was advised that it is now with a collection agency (and i did get one message the other day from UCB but haven't called them back yet).

if we agree to repayment under a hardship plan (paid at about 1/2 of what the current monthly payment is "supposed" to be over 60 months), what happens if circumstances change and we can no longer pay that. does the clock start again as far as the account becoming delinquent (30 days, etc) or does it go straight to something more "significant" like a charge-off or whatever? thanks for your thoughts!

Hi, In March '09 - First Source made a hard inquiry on me with TransUnion. I don't owe money to any one. I never received a call from them but the thing that is bothering me is the fact they were snooping around on my file. Do I need to dispute with TransUnion to have them remove this HARD inquiry? I am just getting around to checking my credit file after a long time. Roger

i am having trouble logging on periodically.....any thoughts...have sent an email but no reply as yet...thanks

I went to CareONE and I am still getting phone calls from my debtor and Careone is has only settle one account what do I do

I've had excellent credit for yrs, but recently opened a Target credit card, never having more than $200 at any time. Having less than $100, I was over 31 days late on the final payment, (I've since closed out the card, and vowed never to buy from Target.) Target Bank submitted this to the credit bureau, which obviously hurts my credit score. I did not receive a billing statement for that final bill and it just slipped my mind. Do I have any recourse...It's a shame Target has that kind of power.

My name is David Clemons and I have problems .I have two payloans that I can not pay , 3 unpaid medical bills , upside car loan , and I just back to work. I make $10.50 per hour. Can you help me?

Good morning! Anyone here heard of ERG & Associates? They are "supposedly" a collection agency for Midland Financial, phone # 877-899-0629. I received a call at work the other day from some unknown number claiming that they were calling regarding a legal matter and I had a case pending against me and I needed to contact someone before they came over to serve me papers.