is poseblo consedate lon of 180.000 in onebank 12.000 on ather bank 13.ooo difrend one

I had a loan a while back with vince enterprises, the account was sent to lra and I asked them to validate the account and never recieved anything now I am getting calls from First irs legal about this and they are telling me that they are not a collection agency and that they don't have to validate the debt. They are saying that I owe close to 1000 dollars. the original loan was 300 which I paid 175 towards. They are telling me that papers will put in in my name for check fraud, which i know I can't be charged with. I live in NY. My question is what can I do?

i want to know how to clean up my credit and build it too. i have been paying off things on my report i only have a feew things left to pay. i tried to apply for a secured credit card and was denied. i dont know where to start and what to do.

Can I pay the original debtor even though my account has been sent to collections? I keep sending Debt Validation letters to the collections agencies that keep calling, but I believe they don't answer and sell my account to someone else. I don't want to deal with this for the rest of my life. I called the original debtor they say I only owe about $225 but all the CAs are saying it's $600. I'll pay what I owe, but I'm not going to pay more! These people won't even send a validation! What do I do to stop this?

Hi! Can someone tell me what exactly debt settlement is?

This is bea2ls, right now it says I am logged in but I am unable to read my PMs or I cannot post. Is there anything that can please be done? I miss this board :(

I have a student loan collector that wants me to pay a large monthly payment. Right now I have madatory child support taken out of my pay. Can they take 25% more or would it be 25% combind between the two. Example say you make $1,000 gross then child support is taken out of $250 and after taxes you net $500. Now will student loans take 25% or is it that the total garnishments is not over 25%. RW....(<:

I recieved a civil summons for a HSBC credit card in Sept 2009. I answered the summons with a request to validate debt etc with the help of CMS in Sept 2009. Now in May 2010, I recieved a Plaintiff's response for Production of Documents. I got an email today stating that CMS is no longer able to help me. The owner of CMS was told by the courts in his state that he is no longer to help his clients with court documents. I do not know what I need to do now. I cannot afford to hire a lawyer to help me.

Hello US, Be aware of the spammer company "credit restore 123", "EZ debt sollution LLC." These guys charge thousands of dollars to get the credit repair but do nothing and get the situation even worse.. Here is the one of the proof... http://www.ccdnscam.com/2010/04/philip-m-manger-group/ There are lot many other articles and proofs available online for this company... Charles Manger, who is the owner of the company is a guy with no ethics.. He promises a lot and does nothing...

how can you find out if you are in teletrac system