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If you live in Maryland, and you have been contacted by the following debt collectors: Midland Credit Management Midland Funding Midland Portfolio Services Encore Capital Group TELL THEM TO CEASE AND DESIST IMMEDIATELY AND CONTACT YOUR STATE ATTORNEY GENERAL, AS WELL AS A LAWYER AND SUE THESE CROOKS. It seems that the state of Maryland has just issued a complete cease and desist order against these CA's.....due to their massive history of illegal tactics that violate boty Maryland and federal laws, the state has

A letter I just got from Professional Debt Mediation - AKA: Paydaymax.com "To whom it may concern: Per our client, Pay Day Max, your account of $762.76 has been returned to their files. PDM, Inc. has discontinued pursuit of this account. Per the instructions of the above mentioned client, we submitted the necessary information to the bureaus for the extraction of this trade from your record. Please allow ample time (approximately 90 days) for your credit file to be updated.

I just had my Discover account turned over to this group. It was a little confusing from the letter I received which stated the were "engaged by Discover Card tor resolve your delinquent debt". So I figured that Discover still owned the debt, and this group was just collecting it (similar to what happened with Citi/UCB on another card). But when I called Discover they said it was "sold" to a 3rd party and gave me a 800 number, which prompted me to another 800 number, which turned out to be this outfit.

Make a long story short I had an account that I opened in 02 go into collections. I have been pst due on this account since 03. The account is showing on my credit report with a date opened of 7/20/2009. Thats is when the account went to collections. What is the date opened mean? Date it was first late or date that it first went to collections?

On Labor day weekend I sent out my letters to the payday people to say no more. Of course, I have been fighting with them, nothing horrible yet. However, one of my letters was to the CASHSPOT.COM. I had used them as few times. Both times I paid in full. I sent them a letter saying a I wanted a refund on my overpayments. I opened a ticket with the BBB of Delaware. Much to my surprise there was a check in my mailbox from American Consumer Credit LLL today for $350.00. I couldnt believe it.

I made a previous post but I thought I would start a new thread with updated info on my situation. I live in florida and I have 1 store front loan and 4 internet loans. The store front company appear as Fast Payday Loans dba Easy cash on their loan papers. I've been going to them to pay and reborrow each pay period for over seven months. My last loan was $400 due on sept 3. Before this date I went to the store and informed them that I would not be able to pay the whole amount on my due date and that I needed to pay them back in parts.

If your cc debt is charged off, does that mean they don't come after you for the balance owed? Or does someone else? Just wondering, as I've never had anything charged off before.:confused:

I live in NC and just recieved a summons from an attorney representing a Collections Agency for a $6100 debt from a default credit card account that I had. I have not answered the summons but definately will within the 30 day time period I was given since I don't want this to be a default judgement in their favor. Now my questions...... With this summons, there was a "copy" of a past due statement from 2 years ago stating I owe $6100. The amount "seems" somewhat accurate but I can't be for sure.

I just want to say reading this forum really hit close to home for me because I am a single mother and I was in so much debt that I was recently very very close to filing for bankruptcy. I had over $30,000 in credit card debt and I was miserable. I finally decided to get my life in order so I did some research on debt settlement companies…and guys before you do that I HIGHLY recommend doing the research because they are not all legit or at least don’t all do what they promise to do.

About 4 months ago I opened new bank account to manage my bipolar daughter's finances. They gave me a "complimentary" credit card with a $500.00 limit. Then a month later they reduced the limit to $350 after checking my credit report and seeing I'm under a DM program. So I get tires (badly needed) for my car. I close out my former checking account because of PDLs, forgetting I have automatic payment for this small credit card. They charge me a return fee of $35.00 plus late fee, plus over the limit fee. I explain the situation and they back everything out.