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proposed payment plans? I am currently in collections for a closed checking account. I do not dispute the amount, however I am unable to pay it in one lump sum as being requested by the collection agency. I tried talking to someone on the phone, but it was infuriating and I lost my cool. Meanwhile the calls keep coming. I would like to send a letter to the agendy (Account Receivable Technologies) with a payment and proposed payment plan. Has anyone successfully done this and if so, is there a letter from which I may borrow?

We have about $35,000 in debt. Almost all our bills are late but we keep managing to pay them about 30 days out. But our cc's we are current on. I have hardship programs on 2 of 5 of them. The problem, I realized I am current on them but behind on my mortgage and that just isn't right! We are 1 1/2 months behind on our first mortgage and 2 1/2 months behind on our 2nd. I kept paying the cc on time so they wouldn't raise the rate even more etc but this doesn't seem to make sense anymore.

Unregistered Guest ? what are you talking about? Mod please delete this jerk

can i be sued in federal district court for unpaid paydayloan.

I got a good one in the mail from them today,lol. About 2 months ago I got a letter from RPM-Receivables Performance Management collecting for Resurgent Capital Services who holds the account owned by LVNV Funding who holds the account for Credit One Bank,,,,,I know try to say it all in one breath. Well I DV'ed RPM and today I get a letter from Resurgent Capital stating enclosed is a original validation of debt that verifies the debt.

Hi everyone, I???m new to the debt settlement process. I had considered going through one of those companies, but after hearing others??? stories, both on and off this site, I figured why not do it myself and use the money I would pay the settlement company towards one of my settlement offers. Long story short, my finances are all over the place and I can no longer afford to make payments on several of my cards. I had perfect credit a year ago. Never missed a payment. Highest fico score was a 780.

I used the letters provided here for my pdls after following the directions for closing my bank account. I live in Indiana & here's the response from National PDL below. I had loan for $300 & have paid $400 in fees/interest.

I moved and lost some mail and it got re-routed... anyways, I missed the 30 day cut off for the DV letter. Can I still send out a C&D letter, even after 30 days, to the collection agency and ask that they only contact me through mail or that I want to work with the original creditor?

i am getting threatening calls from CA claiming to be collecting for cash advance network...at least I think its a CA, they claim to be attorneys and threatening to sue me. My question is, is CAN legitimate? And is there any chance these could actually BE attorneys?

I sent a DV letter to Riexinger & Assoc after getting phone calls (and finally correspondence) from them about collection efforts. They called last week and I know that call came after they had received and signed for my DV letter because I verified that online on the USPS website (this was prior to me receiving my green receipt back, which I have now received). Today I received another call from them as well as a voice mail message. Are they allowed to keep calling after receiving the DV letter but before validating?