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I'm trying to repair my credit and have sent the original creditor a settlement letter but they sent a letter back saying that they've already sold my debt to a collections agency -- now both the OD and CA are on my credit report!!! Is that legal??? If I settle with the CA -- how will that reflect on my credit report?

I have a loan with Star Processing. They keep calling me at work and my cell after I have sent them a cease & desist letter. I filed a complaint with the BBB. They keep harrassing me on my cell phone. Please what else can I do. My loan was for $ 300 and I have already paid them over in fees. I asked them for their license number and the guy on the phone told me he did not have to give me that information so I click the phone off. I live in New Jersey. Please I am getting nervous now, what should I do next?

Does anyone know which PDL company uses the name PDL Ventures? Phone number is 800-707-0102. Doesn't match anyone on my lsit of PDL companies that I do have loans with - but I know they usee all these different names.

Mann and Bracken is suing my wife. Just looking for some advice on how to proceed. Discover Bank discharged debt 4/2008 Mann Bracken started calling my wifes parents house looking for her contact information, multiple times. Got first letter from Mann and Bracken in June 2009 and asked for debt validation.

Received this email back from the Loan Shop Online in response to my letter regarding illegal payday loans. I'm sure it's a standard response from this company so I'm not stressing out about it at this point. So what should I do at this point? Is there a counter letter that I can send? Dear _________________: Thanks for the email, however please be advised that you actually borrowed the funds from a company located in the State of Delaware. It does not matter that your computer that you used to borrow the money was located in the State of Iowa.

I recently filed Chapter 7. Prior to filing I had a lawsuit for a credit card. After I filed I received a Request for Dismissal without prejudice from the attorney for the credit card company that is suing me. Can someone tell me what this means. Does this mean that they are going to try and fight the BK? Please help

Hello Everybody.My friend received a sommon from the court for debt collector and he has 29 days to face them. If he would like to settle with them, should he send them a letter asking them so and if they agree shall he send the payment trusting they will withdraw and cancel the lawsuit. How should he proceed for that ? I am not sure if he should answer the summon.This way i will be given a court date, but i really don't want to go to court. He need help faster because our time goin down. Please reply me to get solutions. Thank You.:D

I need to send a debt validation letter to a collection agency. Is there one that does not mention credit report since this is not on my credit report. Also, I think I need to ask them to supply the original PDL company license number for the state of LA. The collection agency states that National Money Store abides by their state laws, not LA. Should I also ask if they are licensed to collect in LA? They are located in TX.

My friend had a payday loan that he defaulted on in august of this year. He closed my bank account and after few days they have stopped calling Him.He need to take out a small payday loan. If he do this with other company, can the other company have access to his bank account & can effects on his credit history. Please help me,so i will help him. Waiting for reply. Thank You.

[LEFT]Hey, this is a new one for me.. I owe my library about $300. I know, I know.. i took out a box set DVD that got destroyed by my dog, that's the bulk of it. The rest is carelessness. I was not contacted by them but I went in person and got the amount in writing.. I am embarrassed I owe so much but they said to contact them when I know I can pay it, etc. etc. Of course I do not have a spare $300 laying around.. I was kind of ashamed to tell the librarian that I could not pay the whole sum. I was thinking of coming in with $25 on payday, which is about all that I can do. Is that bad?