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I plan on DIY debt settlement. I had made a big purchase (approx 3K) and had to put it on the citibank card that I plan on settling. I made the purchase before I got injured at work. I am on workman's comp and will be on it for awhile, therefore, unable to make my CC payments. How long should I wait before I stop the payments to Citibank in an attempt to get a settlement after a huge purchase?

I had a collection agency call me. I called them back and they informed me who they were collecting for and what I owed them. However, I never received anything in the mail from this company. They wanted to set up payment plans over the phone and wanted my account information. I told them I did not feel comfortable doing so and I would only set up payment arrangements if I received a debt validation or initial dun letter in the mail showing what I owe and to who I owe it to and why? This was on October 8th and I still have not received anything from this company, NCC Business Services.

Before I begin, I just want to say thank you to this web site and all the members, posters, and especially the people that respond to peoples posts. I no longer feel like I'm in this alone, and have been empowered by all the stories and advice that I have read so far. Ok, here goes: I have had multiple credit cards with balances for many years now. Up till about 6 years ago, everything was fine, always made my payment on time, and enjoyed great rates. Work slowed down, and I began to struggle, but still made all payments.

I am trying to reach Tital Group LLC to ask a question about my loan.

My house is foreclosed by the first mortgage, and the bank have forgave the loan balance on the first. My Heloc got charged-off by the bank (the money for this HELOC was to pay for the 2nd mortgaged which was used to purchased the house). My credit report shows that my first was foreclosed with balance of $0, but my HELOC was charged off with balance of 50k. No one has contacted me regarding the HELOC for 15 months after the foreclosured. Anyone knows the best way for me to get the HELOC off my credit report without having to worry about the bank coming for the balance later. Thank you

I have read on this site that not all creditors reply to a confirmation of debt for bankruptcy. How common is this? If some don't ask for payment, that would lessen our timeline, wouldn't it? Our creditors are Amex, Chase, BOA, Capital One, and Citi.

Hi All, I am going to send out a debt validation letter to a collection agencies that contacted me over a debt (as an authorized user) the other day. All the debt validation sample letters I have found include having an account number. I do not have the account number and on my report this account is on the good side. They did tell me the debt was for chase na. As I said it shows on the good side so is this the account number I use? It says it was sold and transferred in 2003 so would it still be that account number?

I have reached the end of my rope on credit cards. Our interest rates are all sky high which is making it impossible to pay anymore. With a small loss of income, raised taxes and health insurance, as well as stupid decisions, I'm ready to cut my losses and try to settle. I've read this forum for hours trying to gain information. Here are the stats: Amex: owe 70K over two cards Chase: owe 15K Citi: owe 20K over two cards (one is a Sears card) Also have a BOA for 22K but don't want to settle that one. We bank with them.

If paydayone is legal then doesn't it have to be licensed also in Mn.? I don't see it on the Mn. link you provided. I thought all paydays have to be licensed in Minnesota to be legal. And just to clarify, are these loans illegal? Thank you oneclickcash, unitedcash, cashadvancenetwork, magnumcash, loanshoponline

How is Langhorne Debt Solutions? Anyone ever used them?