Can I really do a debt settlement with Capital One and Bank of America on my own?

Hello, I just got a notice in the bank saying I am 10 days late for a car loan I paid off with a HELOC almost 4 years ago. It turns out that the payoff amount that I was given over the phone was minus the interest 4 some years ago and when I paid the loan off online it had not figured in the interest.

I paid bell atlantic bill , why received collection from nco financial system , also shows account wjq976

Received letter from Eaton Group Attorneys saying that they have received a GE Capital account through LVNV Funding LLC in their office for collection. I states that I have 30 days after receiving this notice to respond. What does this mean. I am already paying back a charged off loan and 2 credit cards every month to get rid of the debt. I have no extra money to pay anymore off until I'm done with the others. Can they garnish my wages.

I received a dunning letter from MCM and I have five addresses for them and counting. Where do I send my debt validation letter? [Their website gives this address:] Midland Credit Management, Inc. 8875 Aero Drive Suite 200 San Diego CA 92123 [This website gives this address:] Midland Credit Management, Inc. P.O. Box 939019 San Diego, CA 92123-9019 [They say Midland Funding LLC purchased the debt:] Midland Funding, LLC 227, W Trade St Ste 1610, Charlotte, NC 28202-1676 [Asking me to send payment to:] Midland Credit Managemnt, Inc. P.O.

My son had a checking account that he overdrew and never settled with the bank for about $237. Eventually the bank closed his account and I assume wrote off the debt. We've been getting demand letters from RJM LLC for about 2 years now. I've read the reports on RJM and am wondering if this is a case of being passed SOL. Should we contact the original bank directly to settle now, or consider it over and done with?

I was told that the money would come out of my account on the 3rd of the month. However, it is being taken out on the first and sometimes it tries to come out at the end of the month. I am on SSI and I only get $449 a month. I have tried to get the amount lowered that they take out, but they refuse. They are taking $50 a month and this puts an undue hardship on me. How can I resolve this?

I live in Texas. I closed my bank account last week. Yesterday the ACHs were supposed to hit. They couldn't take their money out again. Today my office calls me and tells me a Detective John Powers called from Riverside Country Sherrifs Dept and I would know what this is about. He called on 951-955-0000 and left 951-955-2195. What do I do now? Do I call him back and record the call? I have an excel sheet started of the calls. But I can NOT have these calls going to my work!!! I have not sent letters to anyone about anything.

If you have any info let me know!!!

can i consolidate even if im falling into the bad credit score area.....