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So I'm another RJM aquisition story.... Here's the basic facts: I'm in Texas. In december of 2007 I got a letter from RJM for a 147.xx debt from a bank (a previous bank of mine tha I had closed an account on) from 2005. I called them (ooops) and I asked what it was for and they couldn't tell me. I didn't know what they were talking about. I told them to send me a letter detailing the charge since I don't make it a habit of just sending money to strangers that I don't know on the phone.

I sent a dv letter to the attorney of Unifund and they responded with a letter and statement of a credit bill. After a month, they issued me a summons to appear in court. Does the statement constitute a valid debt validation? The debt on the credit card statment says $3000 and now Unifiund is trying to recoup nearly $8000. I don't know what to do. I am scared and confused. Can someone offer some advice on what my recourse is. Thanks.

Hello all, I had an outstanding bill with Allstate Insurance which I paid on 10/01/2009 and I have a record of it. However, I received a collection letter several days ago, date 09/29/2009 for that amount. Should I send a Debt Validation letter or should I send a Cease and Desist letter saying that I paid and no record should be posted and include copy of payment proof? Thanks!

In my continuing effort to get rid of these things, I have another question. I took out a loan, in Wisconsin, from Payday Loan Store. The original amount was $350.00 I increased my loan to the max of $675.00 cuz I needed extra cash. So far, in total, I have paid them $775, with another payment due of $168.75 a week from now. I have paid more than my original loan. Does a paid in full letter, only apply to internet lenders or do I have any of options? Excuse me if this has been asked or if I am sounding stupid. Just exploring all options!

This is what's in his signature, I noticed on his site he asks for donations, is this solicitations or not? http://www.debtconsolidationcare.com/forums/showthread.php?t=24794&page=3 Steve Rhode 'I help people to get out of debt for free' Twitter: @GetOutOfDebtGuy Web: GetOutOfDebt.org - http://getoutofdebt.org/ About Me: Read what people say about my work. ----------

I had two payday loans with Cashnetusa and Thinkcash when I lived in Texas. I moved to Colorado and paid them off. But when my wife got ill I was still getting emails to redo my loan so I just clicked okay without thinking about changing my address to Colorado. I figured all my bank info is still the same. Now my wife is a lot sicker and I don't know if I can continue to pay the loans. Will I get in trouble if I default for not changing my address?

I am looking to buy a harley in the next 9 months or so. I am saving up to put at least 10-20% down. The lady told me that the lowest FICO score they finance is 580. My score is 553. I know I suck. I do I in the next 9-10 months raise my score by at least 27 points? Good things on my credit: Credit card with a 325 limit that I have a good two year no late payment history with Student loans that I have been paying off for two years and I have never been late on Bad things on my credit: Four accounts in collections. I am working to pay them all off.

Hello All: I am new to this site, so hopefully I posted correctly. I could really use some sound advise. I have tried to research these two companies to do a modification. PMC I could not find on the BBB, although on their own site it indicates that they have a C rating. I can't find any info on US mortgage, however, I know that they are attny's. There is a difference in $1000 in fees. If anyone has additional info on either company please advise. JF:confused:

When figuring a debt to income ratio, how do you figure monthly mortgage or rent when husband and wife spent the payment. Do you divide the payment by 2?

This is the letter is SOME of their resposne letter: The information that you have collected online does not apply to your situation, you are referring to check deferment. It is our opinion that it does not apply to our internet business model. This is based on sound advice from our legal department. The money was lent to you in good faith with the understanding that you would abide by the terms detailed in your loan contract. We upheld our end of the agreement by crediting the funds to your account in a timely manner.