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Hmmm… not sure where to start…. Short of it all; I defaulted by reason of total disability on a loan and some credit cards and other unsecured debts, plus have three debts that are fraud (not my SSN on documents) so I have a lot of negs on my CR now ( in one case three for the same account) { I also found an address on my CR’s I never lived at and a lot of inquiries when I have not applied for credit in years}.

Long story short i'm dealing with ARS( Associate Recovery Systems) regaurding a Dell account. Basically they responded to my debt validation letter with a total of roughly $1600 which still doesnt add up to me because I had paid a little through my DMP plan before they stopped because Dell wouldn't accept it. I believe my true balance should be somewhere around $1200.00. They recently sent me an offer stating they would accept a 60% settlement or monthly payments of $100 after i paid $160 down to end up paying in full. How should I counter this.

Please advise. Just got to work the other night after being off for a month, to find "wage garnishment" from Legal Recovery Law offices for Capital One credit card. I have never been served or informed of anything about this no documents from the Law firm to me or any phone calls. I live in Idaho and it was done in California. Any advice?

Long story short i'm dealing with ARS( Associate Recovery Systems) regaurding a Dell account. Basically they responded to my debt validation letter with a total of roughly $1600 which still doesnt add up to me because I had paid a little through my DMP plan before they stopped because Dell wouldn't accept it. I believe my true balance should be somewhere around $1200.00. They recently sent me an offer stating they would accept a 60% settlement or monthly payments of $100 after i paid $160 down to end up paying in full. How should I counter this.

Hello, I am getting ready to send AMEX an offer letter before they send my Blue account to the collection company, BUT I am having a annoying time trying to figure out which address is the best address to send it to in order to get it to the right department. Do I send it to the payment address, the general account address, or the customer service address, or some other address I don't know? HELP please SKR

I used this website several years ago to get out of some serious PDL issues and everyone was so helpful I was able to get a PIF on all of them, thank you so much. Now I have a great opportunity to start my own business that has proven to be very financially rewarding but I will need access to credit in order to get this off the ground. I have an EIN but I am having a hard time finding a credit card company that will open the account with the business information only.

I have about 60k of debt over multiple cards. I'm up to date right now, but at the point where I have to stop making at least some payments. Should I try consumer credit counseling first? How much less will my monthly payments be? Or should I just default for a few months and try for a settlement? How much worse is a settlement on your credit report vs. consolidation thru a consumer credit counsel? Thanks, Vince

Hi Guys, I would like to know about, denying a debt in court. Please help me to know about this by your valuable discussion. Thanks.

Anyone know who this is? My (disappeared) mom got a certified letter notice in the mail box. I only go get the mail like once a month and it was already past the date of it being returned when I found the notice, but then it was not for me anyhow. Still I am curious who this is sending her certified mail to my mailing address. M P Intel is all the post office put on the notice

Why did i get charged when I did not authorize any money to be taken from my bank account