Hello, I've got a quick question. There are a couple debt collectors that constantly call me at work. I've sent multiple faxes/emails/letters stating that they are not to call me at work or at home, but they are welcome to email me or send me any information they need through the mail. They never call me at home but I'm sure that is because my phone number has changed, but I get calls at work almost every day. This is not disrupting my work and is not causing an issue with my employer, but it seems they are not getting the picture from my correspondence.

Should I include expenses like food and telephone when calculating debt to income ratio?

Just wondering when I get calls from Suntrust am I really speaking to B of A rep.or will I soon be speaking to B of A reps. as accts. age? Does anyone have experience with this? Just wanting to know who I'm really talking to.

Hi, I received a VM at work today from a Mr. Franklin. He did not state where he was calling from but the number he left and what showed up on my caller id was (816) 581-2431. I've been searching the web for this number but cannot locate anything. Is anyone familiar with this number?

I had a very disturbing call with First Source Advantage today. I had worked out a payment arrangement with them giving them post dated checks. I know now that was a mistake. This is for a charge account from 2002. I had to be off work ill and did not get paid for it. I have tried to call them numerous times to make other arrangements on a check I have coming. The woman I was supposed to talk to never called me back even though I left several messages. Actually, when I first set up the arrangement, she was supposedly handling my account and I tried to call 3-4 times before I reached her.

Can anyone help me find out what this company is all about. They called and asked to verify if this was so and so and I asked who wanted to know. She then tried to verify my current address and I hung up. I have searched company name/phone number and can't come up with any info. I'm 2 months behind on all my credit cards right now. Just wondering if there is a connection between that and these people calling.

I am hitting a wall with the ACH processors. I have 3 payday companies that are refusing to settle: Cash Supply, Instant Cash USA and The VIP Loan shop. I contacted ACH Commerce and determined that they service Cash Supply, but they said that they could not help me! I have sent letters to revoke ACH Authorization and Instant Cash USA still debited my account (it's closed, but it still went through for some reason). Does anyone know who is the ACH processor for Instant Cash USA and The VIP Loan Shop? HELP!!

The most reliable information I can find indicates that under the Fair Credit Reporting Act, most kinds of debts can only be reported for 7 years after the original delinquency. How does one determine exactly when the original delinquency was, when there's no date (or an inaccurate/illegal/misleading date) on the credit report? My husband's credit report includes the student loans he went into delinquency on, which he did more than 7 years ago -- closer to 9!

I received a letter stating that the records of Paypal, Inc. show that I over $1,000.00 Then it stated that their client was willing to settle for 50% of the balance. This is a dispute from 2001, over 9 years ago and well past the SOL. To make a long story short, buyer didn't like an item, he was supposed to return it for a refund but never did. PayPal got involved and I submitted the tracking number. Then they closed the dispute. That was the last I heard of it. Apparently the scamming buyer then did a chargeback and kept the item.

Hi,I'm in the early stages of my chapter 7 its not been filed yet.I have surrender both cars and was told it was all right to finance an older car is there any restrictions on doing this or could this cause problems