I'm a debt collector and I deal with many deadbeat debtors daily who think they have beat the system because their account's past SOL and no longer being reported on the CBR. I simply pull their credit report right then and there as an inquiry for all future creditor's to see. If your CBR says the name of a CA anywhere at all, whether it being reported directly or as an inquiry, potential lenders will know what's going on and throw your credit application in the garbage.

Anyone ever heard of this company? What are the good things, bad things? John Black

OK- so I have a debt entered on my chexsystems report that I do not remember. It is for "account abuse" in 2005. I sent a letter for verification and within 30 days they said it was verified. I then sent in a procedural request that said I called the bank, they have no record of the debt and I need to see the procedure they used to verify. I said repeatedly in capital letters THIS IS NOT A REQUEST TO REINVESTIGATE. PLEASE DO NOT REINVESTIGATE - several times. I also said that I expected the procedure back within 14 days.

Does anyone have any information about this company? I'm considering using them. Tried a forum search but nothing came up ... Thanks in advance!

Today I received a voice mail from a Hal Jordan from NRS wanting to inform me of what would be "taking place today". He also called my cousin at his mother in-laws house looking for me. When I called him back he was cordial at first, but in so many words said that there would be legal action taken against me in my state (Hawaii) because of a payday loan with Cash Central that I "ripped off". That I used my bank account to defraud this company because I had bounced checks to them and the last time they tried to take money from my account it was closed.

If I owe money and have failed to pay and a suit has been filed against me but no judgement can I avoid the debt if I file BK?

I'm living with my parents at this time and thinking of filing for bankruptcy. I know I have to include their income with mine to see if I'm eligible for chapter 7. Do I include the social security they receive in the total household income?

I have a defaulted loan with Tremont that I have paid $100 of a $500 loan. I am trying to pay towards this loan as I can but just got a letter saying that they will be contacting my employer regarding this loan to attach my wages for the remaining $400. I work for county government. I am reading here that the wage assigment is revocable and not legal if not signed in person. I believe I signed the contract and then faxed it in. So they have my faxed signature not a digital signature. Am I out of luck? Is it to late to revoke since I already got this letter?

I have a Cap one credit card with a $2800 balance that has just been forwarded to a collection attorney. I just checked my credit report and it says: Charged off account, Account closed by credit grantor Is this good if I want to negotiate a settlement? Is it likely they would actually sue for this still? I want to just settle and have about 50% available that I could do right now. Does this mean the account has been sold or would Cap One still come after me for this?

So I have loans with 3 companies, (2 illegal, 1 overpaid) and I've started the process with closing the account and sending the letters. So I sent the letters via certified mail last Tuesday, same day I put my account on credit-only. I emailed the letters to every email addy I could find for the companies on Wednesday.