I'm looking to clean up my credit. Rec'd a ltr from RJM Acquistions offering settlements on three accts. They are small amts ranging from 78.00-168.00 all from book clubs. It's close to 6 yrs old. They are even offering payment arrangements/settlements. Should I just pay them off either in full or settle? Will this help my credit scores? I also have another collection agency, Jefferson Captital Card Services, LLC. offering me a credit card in order to transfer a debt w Chase Bank (1,500.00) that was bought off by Midland Credit Management, Inc.

angelann GuestPosts: n/a Credits: 8 [Check] Sub: Help!! payday loans NJ Good Morning! I saw this site last week, and yes I am in the same payday loan boat. I just found out they are prohibited in NJ. I would not have know if I had not been looking for a solution out. And since I have found out so much information . I Thank you all. I have 5 Ace- 250- pay off- 325 -paid already 425 plus 50.

My question is that i defaulted on credit card debt about 3.5 yrs ago in MD. 3 creditors filed suit against me but were dismissed since they were not able to serve me. now the statute of limitation has expired can they still file new suit against me for the same debt? I appreciate all the responses.

So...a phone call here to work turned out to be a hang-up. I *69 it and got a Delaware number, 302-791-9666, which I called. The "gentleman" on the other end simply answered "may I help you"? I stated someone just called my place of business and hung up on me, to which he asked "whats this about", and I stated, thats what I am trying to find out! He was like, well maam, we are a legal collecting agency for Payday loan Yes, do you have a loan out with them, i said yes, an illegal one, as they are not licensed in Florida. I owe 35.00 and nothing more.

If a credit card company sends you a 1099-C does that mean the debt is cancelled and nobody else can collect on it? When I claim this on my taxes I'm trying to figure out if that will be the end of it?

I am new to this community and need basic 101 help. I have recently decided to leave my debt settlement company I hired and they have yet done any settlements for me. I have decided to try to do this myself. I am sure they know the people to talk to yet then on top of that debt I have to pay them 15% so there's another few thousand dollars. I have looked at some of the threads and trying to patch this information along with that together. Where do I begin. I have not made a payment since last Oct. to all of them.

I spoke with 3 different BofA CS reps today trying to get my 27.24% rate reduced; can't afford the new monthly payments. Unfortunately, all 3 reps said the same thing, can't lower my rate until I make timely mo payments thru June 2010, then at that time they could review it. They suggested I sign up with one of five non-profit debt mgmt/credit counseling companies that they work with (Take Charge, Consumer credit, Green Pass, etc). Has anyone worked with any of these companies in the past?

What do I do about the bad collectors that have your personal information? I have had the threatening calls, like I'm being investagated and they are from the Goverment. Financial Crimes Division. out of Florida. I told them I was going to call the police and "Officer Woody" said ohh go ahead, we have a case number! omg! Can't believe this happened to me! Anyway, I'm not affraid of them, but concerned they do have my personal info, such as SS# DOB, DL#. Any concern???? What should I do??

Does anyone know from the state of Ohio, if you own rental properties, and you start a debt settlement plan, can they sue you and put your rental houses in foreclosure?

I am about sign with this company on Wednesday to settle my credit cards. They have a BBB rating of a B-. Has anyone worked with them or know someone who did? If not, can someone please direct me to a good company, because it seems that every company I plan to sign with, there's always someone that have had a negative experience. Thanks.