I have $42K on three Chase cards, one is at 150 days the other two at 120, I need to call and start the conversation regarding a settlement. I'm wondering if anyone can tell me what info they are going to want from me and if there is anything I should/should not disclose to them. My husband and I are both working, although I had 2 pay cuts in 09 and have had my hours reduced to half for the last several months. Would it be best to tell them I am still working some, or would it be better to say I have been laid off completley.

How do I present a settlement with the crevat that collection agency remove the derogotory information from my credit bureau reports? Do I need an atty for this action?

I am wondering if someone could give me some advice on my current situation.I took out a payday loan over the internet with Paydaymax.com.I live in North Carolina not sure if it is legal or not.It started in October of 2007 and currently a payback pending, the original amount was $200.00 and again the cycle starts it eventually, it capped at $680.00 every two weeks, being a man of my word I agreed to the terms.I have had no problems other than the crazy amount I have paid, the last ACH was to come out on 15th but didn't came out on the 16th, causing NSF and a $29.00 fee, I got a call from some

Hi Thank you so much for this, it is truly a gift. I do have a question, After I got a call from an indian scammer, which prompted me to run my credit, I found a debt that had been charged off by Credit One bank. I, as everyone else went through a really hard time. This bill has gone through several different collectors, too many to mention, tried to work with all of them through Care one Debt Counseling to no avail, and now the bill is with some New York law firm Weltman, Somebody and Someone. If the original debt is charged off, can these people come after me?

On 3/18 sent defendants first request for interrogatories and document production with 30 days to respond, no response to date. I rsponded to plaintiff's request within the 30 days. If no response in next nest few days should I motuion to dismiss with prejudice for non response?

Hi Everyone, I was wondering if I can get some feedback...I currently have a BOA card 150 Days late and the only offer they would give me is 45%, last month was 40% (same amounth though, $5,490) Rep said on April 1st it can go down or it can go up again...have you guys have this experience w BOA, sticking to 45% not going any lower?

I got a call from a Tom Wilson with an Indian acent saying he works for National Affidavit Legal department and I owe Cash Advance Mutual $400.00. They will not send me any paper work on this by mail or email and will not give me the phone # so I can call this cash advance place. He told me they did not want anything to do with me and demands I pay of else. They have threatened to take me to court and all sorts of things. They have called my house, my cell and work. How can I find out if this is legitimate or a scam.

Sprint sent my bill to a collection agency even though I disputed it because my phone was stolen and I reported it to them. I sent request for validation to the first collection agency. I received the return receipt card but no validation information. Lo and behold, I get a letter and phone calls from a second collection agency for the same account. Again, I send the validation request, receive the return receipt card back, and no validation information. Why don't they respond if they have my account??? What should I do next?

Hello All, It has been awhile since I have posted. Just to let everyone know (expecially wolf) I am still waiting after several months for DV on a couple of debts. I haven't made any payments to them and even had one removed for CR. So, anyway I am hear to not talk about me but ask a question for a friend. She has been getting calls from two CA's (one 6 months ago and one recently) on an old Fingerhut debt that was supposedly 19 (yes 19) years ago. It seems her husbands ex opened an account in his name while they were married and never paid the bill.

Hi, Student Loan means education loans?:confused: If there some difference between this loan, what is difference between then? Please Share more information about student loan with me.:idea: Thanks guys.:p