AT&T sent a bogus phone bill [$227], that I know nothing about. I completed police affidavit for identity theft and other requirements directed by AT&T and sent back to them as well as their collection agency as directed. I was later contacted by the collection agency by phone that they have closed the matter as identity theft. Months later, AT&T still sent the same bill to another collection agency who reported this as a delinquent debt on my credit and damaged my credit score and/ report. Under FDCPA and/ FACT: 1.

what does DV them first mean?

I had given First Source Advantage my info on my Wachovia Bank for taking money out of my account for the $25.00 but they refrain from submitting the checks to Wachovia and they debited my Bank of America account in which every check that they debited it had bounced and has caused me $372.00 of overdraft and NSF Fees. This account was only to be used for a private affair not for bills. I had a serious problem with this account and know it is real serious because your organization did not follow the new rules.

I am trying to help my son-in-law right a letter regarding a bad debt. He was 18, stupid and ahd a 300 credit card that he stopped paying on. He received a letter from an attorney stating with past due, over the limit fees and everything else they want more that 1200 plus interest rate of 24%. How do I write this letter to get them to negotiate this down?

I need addresses for the following Companies: Fast Cash Advance Payday Loan Yes Fox Enterprises Also any Ideas on how to draft a letter to my payroll dept. to revoke a wage assignment.

Hello please provide a much insight as you can. So about a year in 3 months ago I filed a Chapter 7 BK. To later learn that the cash advance company was not included in my BK. Last year July I put a stop payment/ACH withdrawal on the check. That is only good for six months!! In January of this year the company found me and starting making collection effort. I starting paying the $25.00 every pay check through verbal agreement over the phone. An issue came up about 2 months ago, I had to put the payments off for a little bit. I guess they didn't want to wait any longer.

I have 9 outstanding pay day loans, 1 credit card and a medical bill can I consolidate these into one payment and get out of debt!

How do I check for an answer?

I also received a threatening phone call from a "collection agency" a couple weeks ago. The woman I spoke to had a very thick accent and I had a difficult time understanding her. I had her repeat herself several times. She said I owed a payday loan from a years ago from I believe EZPayday or something like that. I had taken out alot of loans before and I thought I probably did owe this but she was unable to send me any documentation. But since I thought I owed it, I went ahead and setup payment arrangements that I really can't afford.

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