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the story in brief --- I had a Bank of America credit card account that i defaulted on. the last payment was december 2005. I'm in NC- SOL is 3 years. Got a summons in November 2008. Answered the summons in December 08. Got a plaintiff's first request for admissions in January 2009. Answered in January 2009. Didn't send any discovery questions myself (mistake there...) I figured I'd wait to see what they do before I try to send production of docs, interrogatories, etc. Then- nothing until October 2009 when I got a motion to withdraw as counsel from the collector's corporate attorney.

I have mulitiple payday loans that have just defaulted and i am so frightened. Should I use Langhorne or some other debt settlement company? Can you do it on your own? I live in the state of NY? A few of them have started calling already and seem willing to make settlements. I have already asked them to make their settlements lower and are waiting to hear back from them. They are Signmyloan.net and National Payday

Hi friends, I am new here, Someone PLEASE tell me exactly how you can easily make money online without spending a lot to start and not starting a traditional business.... Thanks in advance!

any input on company consumers law associates, based out of texas licence to operate in nj

I got a letter from Hilco/Aegis about my MBNA card some time back listing a settlement of close to $3000. This was from around 2002, I had some major issues at that time but I don't even remember if the debt was ever that high. The thing that threw me off is that the credit card number listed in the collections notice is different from the credit card that I had. I actually have an older credit card plus I had some records from my old online banking which showed a different number. The debt isn't in my credit report and it's a bit past the time for the DV. Should I do the DV anyway?

I've posted here before & want to thank you for your responses. I live in Los Angeles: I am being sued by Mann Bracken for Capital One. (3 lawsuites, 3 credit cards). I have filed my answers to each one and was awaiting a court date. I have also sent out certified letters to try and make a payment plan for each. I recieved 1 message from the attorney when she recieved my certified letter but after numerous attempts and messages from me, she did not call me back.

I just placed a stop pay on a loan that I have had out with Check n Go. I have had a total of 7 -$700 loans all paid in full with a fee of $95.00 per loan. I have also had 2 smaller loans which I paid in full as well. I live in Washington State. I am a little worried because I placed a stop pay for the amount of $795.00 being debited from Check n Go and the bank said that it would not stop it, if the company tried it for one penny less or any other amount.

Typically, how low of APR's can debt consolidation companies get for you? Karen

I have two oustanding loans with Ameriloan and Us Fast Cash. Ameriloan Loan Amount=350 Paid Amount=385 Us Fast Cash Loan Amount=350 Paid Amount=0 I sent them the letters as advised by peeps on this site. I tried to send a money order to Us Fast Cash for the principal and they said they are a green company and they only take credit or debit cards so I havent paid them because I dont want them having access to my banking account. Also I in the letters I sent them I told them not to call me only write me for debt communications.

Hi. I have a pathetic case which happened in November of 2003. Pathetic because it was a traffic ticket in Windsor, Canada (I live near Detroit, MI). I can't remember if it was 2 tickets for $130 a piece but apparently they reported me to collections w/o any notifications sent to my mail or a phone call or anything. I actually was sentenced to boot camp during December 2003 and January 2004 but paid the petty tickets off by February 2004 (late a couple months, never received any mail). Anyhow, I checked my credit report for the first time in the summer of 2007.