Search forum

Is There A List of FDCPA Attorneys by States

I recently paid off Private student loan that was in default. Original balance was $4,000 which ballooned to $10,500. The CA (Collection Agency) the loan was assigned to accepted a lump sum of $8000 to settle the debt. I was wondering if I am now entitled to take a tax credit for the interest and fees ($4,000) for my federal tax return. If so, how much can I claim per year (does it roll over) and are the tax documents automatically sent to me by the CA, or do I need to request from CA and/or the original lender? Thanks in advance!

I am a Canadian living in the United States, married to an American and still have canadian debts. Credit card and unsecured credit line. I'm struggling and don't think I'll ever be able to pay it off. I'm trying to pay off bills here in the US. What will happen if I just stop paying the Canadian credit cards.

I recently received a letter from Citibank/Citicorp regarding my Home Depot account, late a little over 90 days. They have noted an option to settle and I am planning on mailing them an unsolicited settlement letter, I hate phone conversations with rude people. I am having a problem though try to figure out which address to mail it to, so that it gets to the right person/s or department. Can anyone give me a good address?

I reside in Texas and have several payday loans from store-fronts. No justification on how I got into this mess....we all know how life deals us crap from time to time. I just need help getting out of it all and need advice soon as I can't keep this up any longer, and the stress is overwhelming. CashStore $1400 total including fees...have been paying $250 every 2 weeks for over a year.

I'm wondering if Discount Advances is an illegal lender and am I required to pay them? I live in Indiana, where, payday loans are legal. However, the state limits 2 payday loans Max at one time, and Discount Advances lent me this disregarding that law. They lent about $200. I have been contacted by PDM (Professional Debt Mediation) who clearly violates every Consumer Credit Law ever written. I intend on sueing PDM for the their collection practices. However, the true question is if Discount Advances, is in fact, an illegal lender? Thanks, Ben

First, I have tried and tried to sign up via the community link, but it keeps taking me to a broken link page???? I need help, and have stressed to the point of being sick over the idiotic choices I have made. I have 10 internet p.d. loans. Of the 10, 9 are apparently illegal lenders who claim to have the power to avoid state law and make me answer to their country of operation. Is this true??

Does anyone have the mailing address for Chase to respond to a Debt Settlement offer? Also, has anyone successfully negotiated for a "Pay for Delete" agreement with a credit card company? If so, how did you go about it? Thanks. (I am now registered!):D

Hi, we'retrying to settle with Chase. They want monthly income, 1st mortgage, 2nd mortage, other credit cards etc. We do not want to provide that info, but we don't want to stall/stop negotiation. Can we just say we do not want to provide that information. Thanks!

5 years ago I settled with a CC company, but I was not aware that I could have included the Settlement Letter. Is there a process I can request to have the CC company remove that debt from my report.