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I sent CCS a DV letter back in May, in August I got something from them and it was only the signed contract. I had also aksed for them to show me that the are registered to collect in my state and the big one to show me how they got the amount they say I owe, which is $3,000 more than what the OC had on it. So what constitutes proper validation, I know I owe the debt, but I want something that shows how they got to this amount. Also I put in the letter to quit calling, this month I started documenting it, and they have called 3 times or at least 3 times that shows on the caller id.

I live in Michigan and wanted to start filing my complaints with these illegal loan companies but wasn't sure how to do it. It looks like I need all the addresses of these companies-is that correct?How do I find them if I don't have them?Thanks in advance.

I had a dealing with the company and they are out of the US and belief they do not have to abide by US law. The first line in the loan disclosure reads as follows: Loan Disclosures JURISDICTION The transactions related to loans will be deemed to have taken place in the offices of StarAdvance.com and according to the laws of Republic of Panama, regardless of where you may be viewing or accessing this site. Please becareful what you are signing with any company and hopefully you won't have to.

I got an email today from someplace called AFNE Financial Services. The email address is an individual's email address at gmail.com. Sounds fishy. They state they are collecting for a client, it may involve a lawsuit if I do not send money. They say they MIGHT be able to accent Visa or Mastercard but instruct you to send money to a Paypal account. It does not name the debt collector nor is there a phone number for AFNE. It gives an address in Columbia, MO.

They are in with Home Freedom Capital which both companies are a rip off and will lie to you about everything and tell you one thing and then tell they didn't say it .

I am filing for Chapter 7 Bankruptcy pro se (can't afford a lawyer - no, really cannot afford lawyer - consulted with a few already). When filling out Schedule C - Property Claimed as Exempt - am I to list my exemptions as they appear on Schedule B (i.e. "Household Goods" "Office Furnishings" "Wearing Apparel" etc) or an itemized list of my property that I am claiming as exempt?

Interesting read: Quote:

The attorneys general of 40 states have asked the Federal Trade Commission to tighten regulation of companies offering debt relief services to consumers. The FTC is currently reviewing a new rule proposal to amend the current Telemarketing Sales Rule.

Read more: http://www.consumeraffairs.com/news04/2009/10/debt_settlement_crackdown.html

hello, i am paying on an old debt from cap one via daniels law firm and over a course of time the way they debit my account is they present the check to my bank. i asked if the $$ can be taken out on thursday and he told me no. it does not work that way well low and behold i get a court summons in the mail. according to the rep. the paperwork was processed in august when the agreement was made but all dated material was stamped lats sept. early oct. so i spoke to a Lawyer and he called on my behalf so now i am paying by moneyorder.

I cant seem to find a difinitive answer on this. In NY the equity in primary residences is protected up to $50k (or $100k for a married couple) during bankruptcy proceedings. Im trying to find out if this protection extends beyond bankruptcy. For example, if a creditor wins a judgment and then attempts to place a lien on your own for that amount, are you protected under this homestead exemption? I've also read that some states prohibit liens on primary residences so perhaps this concern in moot to begin with.

AGHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH. Okay, I had to get that out there.... Now, onto the problem... My mother-in-law deposited $8,000 into my bank account yesterday. We both use Woodforest National Bank. Her branch is in NC, mine is in PA. She knew I was trying to settle a lot of debt so she talked to the manager and he agreed NOT to place a hold on the $8,000 funds, since she has multiple accounts in good standing at that bank. She calls me and tells me that the funds were deposited. I check online and sure enough they are in my available balance.