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The post at http://www.debtconsolidationcare.com/forums/showthread.php?t=55663 has been copied from http://debtrescuecenter.com/articles/article63.htm Me thinks we have another..... http://www.debtconsolidationcare.com/forums/showthread.php?p=499780#post499780 as been copied from

So to make a long story short I have two credit report inquiries on my account from a collection agency that I did not authorize. They were done in the spand of one month. The guy at the agency said they according to the FCRA and the FDCPA that they could for the purposes of locating me pull my credit as much as they want. They also said they could do it because I signed a contract with Sprint and when I did I gave them permission to pull my report. He also said they have a right to pull my report because I was delinquent. Is this true? THanks for the help.

I live in NJ so does anyone know where I go to look up to see if a collection agency is licensed in my state?

What is a CND letter? My case is clearly beyond the SOL.

I previously lived in CT and acquired some CC debt. Before leaving CT I pulled a credit report and the debt was shown as charged off. I have since moved to AZ. Apparently the debts were purchased by CAs and letters are being sent to an old CT address where my ex husband still lives. I'm not in a financial situation at this time to pay these debts, or make payment arrangements on them. I am however worried about a lawsuit. Luckily CT allows you to search and online database which I do every few months, and nothing has shown up.

I read on one of the posts here that the Statute of Limitations on credit card debt was three years from the last activity in the state of Washington. Can someone out there tell me if this is true. I can't even get the CA to verify the debt or respond to my requests. thedog

All, not sure if this has been posted before, but it is important. The Medical Debt Relief Act of 2009 in currently in Washington.

Sorry but this is rather lengthy but I really need help and guidance and I'll try to be as brief as possible. Here's the situation at hand: Our checking account is overdrawn by $181.15 but after depositing my husbands paycheck on Friday we'll be back in black but not for long. There are 3 payday loan companies that will be doing ACH withdrawals on our account within the next few days. Two for $90 and one for $60. The $60 withdrawal loan was for $200 and so far we've paid $240 so I really think I should do a stop payment on anymore withdrawals right?

Anyone have opinions on this? I have a loan with Sallie Mae, and I want to qualify for the 10 year loan forgiveness program, but I have to be with Direct Loan Services in order to do this. Anyone know of any reason NOT to consolidate with Direct Loan Services? I really need help with this!

If A PDL is not licensed in your state, what exactly does that mean? I took out a PDL with CashNet, and Check Recoveries, Inc., is coming after me, but when I checked the MN Dept of Commerce site, they are not licensed as a PDL Vendor in my state. How do I get Check recoveries off my back because of this information?