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I have been reading alot of post to send a C&D letter to have he Creditor only contact you by mail. Then someone else says don't because you could get sued faster. When is a good time to send a C&D letter, I get calls from one creditor at work almost every day. they really don't like you getting personal calls at work. I have told them this but they keep calling. Wanting the calls to stop. I know I owe and working on settlements with the CA's. Thanks for the input.

Hi there. I recently paid off an older phone bill to TMobile directly after they decided to get Superior Assert Management involved. So i paid the balance thinking the CA would have to go away. It appears I was mistaken as they simply updated the status. What is my next step?

when asking for debt settlement what amount should ask for. Will they accept .30 on the dollar. is holding out work.

these people have tried to tell me that i signed a payday loan waiving my state rights deposited 200 into my account without knowledge they say the have an ip adress from when i took it out but this is the only time i have seen them and used my work computer to find out about them they raised my payment from 48 dollars to 56 dollars and its supposed to be paid this coming friday 8-7 -09 the account now says suspended so what will have to expect from these people can you help me out

I have an account that was sold to LVNV by JC Penny more than three years ago. LVNV reports my balance as past due every month so my credit score is taking a beating. I am willing and prepared to settle the account in one payment (immediately) dependent only on LVNV's written verification that they will remove the tradeline from all three bureaus within 30 days of receipt of payment. However, I'm getting the run around. The CA collecting on behalf of LVNV insists LVNV handles all credit bureau reporting so I must talk to them.

Got the info I needed and don't wish to keep getting phone calls.

i have a secure loan which is my truck can this be added to debt consolidation

Ok so I am beyond thrilled right now!! After 2 1/2 years of dealing with Cash Call, and paying them 216 a month on a 2600 dollar loan I am finally (almost) free!!!! I defaulted in January when I had to ckose my account due to a PDL mess I was in. Well I decided to hold out on giving CC my newbanking info. They did call me (about a million times) but today they sent me a settlement for $1000 lump sum of 6 payment of 202.00. I know I have paid them over 5k on a loan for half that amount but I am trying get better about my financial obligations, and cleaning up my credit report.

Whoever you are I started at the bottom and you at the top and they are all gone!

i have 6 store front loans out ace cash express, national check cashers, always loans, check land, cashland, first national, all are 800, each, i defaulted on all loans set up payment arrangements , took a 1200 dollar a month pay cut can only pay so much yesterday a man from ace called told me to get a lawyer if i did not take 500 to the store by fri, or a sheirrf will come get me for writing a bad check, i was a college football for 21 years the only way i can come up with that is to sell my championship rings which i love.