I would like to pay one rather than 5 different companies every month which I have a risk of forgetting. I want to simplify my payment and consolidate my credit card bills and car loans into one, can you help me?

Any place I can get a 3 part credit report that doesn't cost a fortune. I was trying to get a transunion credit report and score and I couldn't get just 1. They kept trying to sell me the 3 part for $29.95. Thanks

If a credit card debts are bought by a another company is the SOL the same for both in Arizona

Alright. Finally today I got a settlement offer from BOA for 6k on my 18k in debt. This is a business debt and there is no way I can pay the 18k... My parents said they might be able to help me if BOA ever offered a settlement. I am guessing I am currently 110 days late or so.. Now my questions are: 1) BOA recently put this debt on my credit report... Previously this card was never listed... Either GOOD or BAD. Can I get them to remove this as part of a settlement? 2) I have a personal card that I am struggling to pay also. ~10k.

Does anyone know if your account is in an attorney's office that runs consumer collections and they call and do not state the mini-miranda, are they in violation? Do they need to at least state that they are a debt collector or do they need to state the entire mini-miranda on every call?

i want to settle this debt with TRS but i dont know where to set up payment arrangements with the company, can you tell me where to go to do this?

I have been receiveing threatening phone calls from someone that says they are collecting for Quick Cash.net. I have never had any loans with them. They are saying that I have 3 felonies against me and that I need a layer to go to a court house and bail me out of jail. When I asked for the information to call Quick Cash.net they could not give it to me. When I asked how much my supposed loan was they could not give me that. When they asked for my social so they could verify that I told them to tell me what you have and I will verify if that is correct.

A friend of mine, recently received a bill from RJM Acquisitions saying they had purchased their account from Target. They say the account was opened in 2002 and that they, (RJM) purchased it in 2005. My friend says they never had an account with Target, but they did at the time have a roomate that I'm just wondering if they could have done something in my friend's name. I know she also had some personal items stolen from her during this time. This would be in Georgia with a SOL of 4 years for open accounts and 6 years for written.

I just received a phone call from a guy claiming to be from an attorneys office (Williams and Scott?)that is filing criminal charges against me and I would be arrested tomorrow morning unless I pay them $1200.00 by 3pm today. As far I as I know I have never been contacted about this debt and he read some big long legal thing to me about interstate bank fraud, criminal fraud and check forgery. I had been in trouble in the past but I thought I had paid back all of the loans. What should I do, I do not have the money to pay this.

Has this site been going down today or is it the computer I am on? It seems to freeze and I have to ctrl/alt/del out of it! Then a little while later it is working again! It is frustrating as it happened when I typed a long reply to someone and hit post and nothing! Weird!