Search forum

I have combined debt of about 18,000 i have no job and haven't had one in almost a year. I am being supported by family and my boyfriend but they are done battling MY debt. I get about 7-8 phone calls a day from creditors asking me if i have any money yet. The fields i have experience in require degrees which i cant afford school and all the other jobs in my area are either taken or not something i could physically do. So i am asking if its wise for me to just file or continue to ignore it?

I just received a letter from the local court and bank saying that I was sued by Midland Credit Management for a past due balance owed to Capitol One credit card that was issued in September 98. Last time I made a payment was late 98 early 99. I thought this was past the SOL. I never received a summons to appear. I just found this site and I see that you will be able to tell me what I need to do to resolve this.

Does anyone know if you have to sign something to do the Hard Debit Block, or is it just a botton that the branch manager pushes??? I just tried to use my other debit card for a second account, and it posted on the bank account, then went away. ??? IDK what that is supposed to mean though. I never signed anything with that bank account, so I don't know why it would have the Hard Debit Block on it.

A few months ago I, atleast thought, I got my loan deferred. Customer Service told me what to fax over and I faxed it over. I didn't hear from them since except I started getting calls yesterday and today. When I checked my mail today, I had 7, not 1, but 7 of the exact same letters with the exact same date on all of them stating I am 60 days past due. I don't know how that's possible considering I thought I was in deferrment. Is it even legal to send out that many letters??

Hi everyone just a quick question - how do you deal with collection agencies that collect for illegal PDLs? I got two calls from separate agencies, they both seem rather shady, they both immediately threatened a lawsuit, calling themselves 'law associates' companies etc. However, they do collect for 2 PDL loans I had, however both those loans were from illegal (unlicensed) PDL companies. I asked for debt validation, first I was told that just by asking for it I admit they have a right to collect, and then they said they will send it. 6 weeks later - still nothing.

Hello all- I am trying to figure out which route to go. I owe about $25,000 in credit card debt (4 cards). I contacted BofA and they offered me 5% with $150 payments on my $8,000 with them. My largest debt creditor ($12,000) referred me to MMI. I called MMI today and they have an estimate of about $500/month for 4.5 yrs. I have been reading through what they sent me and it says some companies don't offer concessions for 4 months... I have also read so many mixed reviews of this service that my head is spinning!

:confused: Ok, I just wanted to see if there were balances on the Internet Payday Loans that I sent ACH letters to. After trying to log into the account there was a msg that said: We are sorry that we are unable to access your account at this time. If you need assistance, please contact us at compliancedepartment[at]ameriloan.com and the same for OCC: We are sorry that we are unable to access your account at this time. If you need assistance,please contact us at compliancedepartment [at]oneclickcash.com What does this mean??

I live in CA and just received a bill from Riddle and Assoc for an old Direct TV bill, I believe its about 2-3 yrs old. The address is incorrect on the bill, so it was forwarded to my new address and is past the 35 days to dispute deadline. I'm not even sure if I still have this debt, but I've been reading online how shady this agency is and I just want to know my options. The bill is $187.00 + $98 in Attorney/collection costs. I'd like to just pay the bill in monthly installments but from what I've been reading calling to set this up may validate a debt that is not mine.

Does anyone know what happens if an IPDL, that is illegal in the state of Kentucky, tries to garnish your wages? We have sent the ACH letter to revoke ACH and wage assignments, but I am worried that they will still try. Has anyone dealt with this? Also, what if they do send a wage assignment and my employer lets it go through. Is there anyway to stop that wage assignment?

I need help and info on this CA. They made contact with me today and since I did not agree to make any payments on an old credit card debt they threatened me with court. I asked for Debt Validation and they said they already sent a letter but I do not remember receiving anything from them. Should I send a DV letter and a Cease collection and call letter all in one?