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I was searching for a sample letter to send for a medical collection on my report. I came across several things stating that before sending a letter to the CRA's, I should opt out first. Can anyone tell me what this means?

Im on SSD i got a judgment from a unsecured credit card against me my wife is aslo on SSD What can they take? the judgment is in my name not my wifes. She owns a car and just got her dads truck as he has recently just passed away. We dont have much just the basics tv computher ripped furniture 4 children. I have nothing. Thanks

I am looking for the email address of ameriloan compliance dept....I am in such a mess with these payday loans....this site is great for getting information....THANK YOU

Hello all, looking for some help here. A creditor got Writ Of Execution on a judgement. I am married but the Writ, Judgement nor credit card included my Wife. It was not a joint account. We opened an account under her name only. Will that protect our deposits? Could I open an account in a different state? Would that protect me from a Levy? What if I open it in a different state but they have a local branch? Thank you for your help!!!!

I tried to open a savings account at National City today but because I'm in chexsystems they wouldn't even open a saving account for me? Is that the norm at most banks? I'm receiving checks written on a National City account and they charge me $10 every time I cash one. I'm also going to be receiving some checks from other banks and I don't know how I'm going to get them cashed. Any suggestions? Thanks!

:D Thanks so much for your help. Having the do it yourself section really helped us out. While not everything is resolved we only have to file suit against 4 CA's for Fair Debt law violations. Mortgage lender says we jumped 100+ points on the FICO. (from 3/2009 to 8/2009) tlbg42

So to make a long story short. I was in forbearance with Sallie Mae. My forbearance ended. They told me to apply again, I had to make two monthly consecutive payments. I did this. I paid with June July Then they said I have satisfied the rules, pay 50 dollars, fill out form. Days pass since (they cash my 50 dollar check) forbearance not process. Today comes, Forbearance denied. 4 phone calls , tons of screaming, emails, etc. going back n forth, they say it is because i shorted one of my payments by .46 cents.

I sent a debt validation letter to AFNI for an old item on my credit report, due to come off in 4/2010. I received a "validation" letter from them today stating "This letter confirms the original creditor and balance of your account" and they attached an old Verizon "final bill" from 2003, with just the amount due, no break down at all...

Ok I am really embarrassed to tell this story but who cares. None of you know what I look like or who I am. So I dialed a phone number that had to do wit hadult entertainment. and used my debit card to pay for the call. There was more than enough money in my bank account to pay for the time of the call. The company sent me to a collection agency and the agency said there was no money in my bank account when the company went to take the money out. Now this collections account is on my report. I didnt sign a contract.

My concern is the fact that if I follow the steps on dealing with Illegal PDL's then my reference's phones are going to start blowing up! Is there a way I can keep them from calling them or possibly changing my references before I pull the plug on them. I'm guessing that this won't be possible since they will still have the old info saved somewhere in their system. I also know that they will probably hound my references no matter what.