So, I got a summons today. Amex is suing me for the 11K debt. There's no court date or anything. Its just a summons to respond at this point. I called my buddy who is a lawyer who sort of specializes in these things and he is going to give them a call to see what he can do. I'm oddly not freaked out by this. As long as I dont let it go into judgement, then Amex is one of the lower of the 4 cards I'm in default on and I guess worst case, I can just pay the full amount using the funds I've saved up.

Hi All: I have been reading the posts and thought I would ask for help with my problem. I stupidly took out payday loans and they are killing me, I just got paid and my entire checking account was drained. I am in severe trouble. I live in Texas and didnt realize some of the companies I have dealt with are illegal. Please let me know which are valid and which are not.

I just found out while checking my credit score that I have a bill in collections that I've never been contacted about. I have never received one letter or phone call, even though they had the correct address and phone number. When I contacted the collection agency and told the lady I was talking to that I had never been contacted, she went into freak out mode and started yelling at me!! Yikes. I just hung up. Here are the more pertinent details. The debt is a medical bill over 3 years old, thus passed the statute of limitations in my state. So technically they agency can't contact me.

my account was sent to them for collection. They are not willing to work with me, i offered 40% of the balance payable in 3-6 months. They can only do 55% lumpsum at this time, 150 days late. Any experience with this debt collector? Thanks!

Hi everyone, I have been following the advice of other users here in regards to dealing with illegal lenders. I had a loan with Integrity Advance in the amount of $500 and have paid $750 to date. I have placed a ACH hard block on my bank account for Integrity and they have not been able to withdraw further funds from my account.

Just curious if anyone's ever come across these guys before. I think I've got their name right. The lady that calls (Misty) speaks so fast in some parts I can't understand what she says. I couldn't find anything online about them or the 877 number they tell me to call. Apparently I'm being investigated by them and Monroe County (the county I live in) for theft of services and some kind of fraud. I thought they said tax fraud at first so I went to our local Tax Collector office and they told me to file a police report since they threatened me in the call.

I am in the process of cleaning up 5 old credit card accounts that had been lingering around for 2-3 years on my credit reports. These 5 cards had low credit limits and the total for all 5 is $2500, small potatoes I know but at the time when I defaulted I was in the middle of a medical life and death situation (massive brain tumor). Only other thing I owe is my house note and I have never been late on that and I am 10 years into a 20 year note. Vehicles are all paid off and no other debt other than monthly expenses.

I have been reading many posts on these forums over the past few weeks and have read that some people are having success with getting an excellent settlement % rate (28% - 35%) with the OC. However, I have also read where others were not offered any settlements and the debt ends up being charged off and/or individual being sued. Do you think with the state of the economy and nbr of defaults, cc companies are more willing to settle? I have about $35K debt on two chase cards and hope to work out a settlement before reaching the 180 day mark (currently at 60 days).

I spoke to the credit union I have a charged off debt with and they advised me they are being represented by CBR Collections and that I would need to contact them. On my credit report it onl shows the OC. i am planning on sending the CA a Pay to Delete letter. Should I be putting all of them info in he spaces provided or the OC's information? i want to make sure i am doing this correctly so the funds go towards helping me. Thanks for any help.

I just got a subpoena for a Financial Disclosure Hearing,for an account i dint know i had. Any help would be great. Do i send a DV letter? I am in VT,and the subpoena was started by the Law office of Paul lee Schiff.Help how do i deal with this their are no account #'s or anything just says Capital one bank.Thanks Larry