I have reciently been in contact with a collection agency that holds the rights to a second mortgage that I had on a house that was foreclosed on in 2007. They told me to send them an offer along with copy's of my bank statements and pay stubs. Do I send them all of that personal information or just a letter with an offer?

BOA has offered a settlement offer for two accounts for $3700. I dispute owing on one account that BOA acquired from MBNA; this account would settle for $1700 in lieu of the $6,000 it claims owing. I had this account per original paperwork being paid in full in November of 2009, which is when I stopped paying. The other account is a credit card debt which legitimately has about a $6600 balance. This settelment is $2,000. I can pay a minimum of $734 tomorrow and pay almost $1000 a month over the next 3 months to get a settlement.

Until August 23, 2009 I had a credit card with Citgo. I cancelled my card on August 23 because I discovered that I had lost all 3 of my credit cards. I was able to successfully reeinstate the other 2. I did not reactivate my Citgo card because I no longer have a vehicle and my Citgo card was used only to purchace gas. I was on vacation at the time. When I returned home I sent Citgo a check for $156.91, the amount I owed. I presumed that would end my account. I continued receiving letters from Citgo.

Has anybody settled a Heloc with PNC bank? I have heard they are one of the worst to settle with. I owe them about $85K - I think it is a purchase money heloc in California but I am not sure because I used the money to buy the house, then about a year into it I paid back about $30K to the Heloc, and then I wrote a check for $30K 6 mos later. So maybe $30K of the money is non purchase? Not sure if they can break a loan apart like that. I never refi'd. I called about a settlement and they said they don't settle and asked for 85%!!!! The house is underwater big time.

Myself and my husband both have taken out some PDL and have some questions on if these lendors are licensed and charging us too much.

im trying to find the statute for florida where it says that they have to publish my foreclosure within a certain period of time. i know they did it already but that was like 5 months ago ...is there a law where they must re-publish this since its been so long???

im 20 years of age my frist name is dennis my last name it doesnt matter but the point is my mom has been taken my checks every month and i was wondering if my name is on the check and her name is on the check as well can i be the one to cash it also when do i get my money i havent gotten yet and im still waiting

For credit cards do you use the sol of the state you live in now or where you lived when you opened the account? If you tell a collection agency on the phone or by letter that a debt they are trying to collect is out of sol and they still contact you about it is that a violation they can be fined about?

Hi I live in Minnesota and just got a phone call from Gateway Recovery 716-550-8150. The guy started off with the typical threats of fraud, warrant, blah blah blah, anyway I was able to find out he was calling regarding a on line pay day loan he claimed I took out in 2008 from Money and More, and now owe 500 some odd dollars.

Got a call from 530-287-4210, A person call Adam Smith at work and on my cell phone he had very broken English, stating urgent I must call him today as I have committed a fraud. If I do not call today, I will suffer badly in courthouse, may god help you. this phone number is California and also is know as Anderson Law Firm. Anyone have any info on them? this is very similar to the calls I et from Crime Central of Amercia who call from California and Texas, New jersey and Virginia