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I got a collection letter from cbcs about an old debt, I sent out a DV/C&D letter and got a letter back saying they stopped collection and sent the debt back to the creditor they got it from. (Resurgent Capital Services) Today I get a letter from RCS That says LVNV Funding (not licensed in my state) is the current creditor and that Triad is the previous creditor (I have never done business with either company) The letter states they will no longer contact me and to please see the original validation of debt that verifies this debt.

Hello Everyone - This is my first post here. Today I received a call from Zwicker & Associates that I need to pay my Amex balance in full or be dragged to court. The funny thing here is that I was on a payment plan with Amex, made all the payments on time, but missed one payment on another card, hence the referral to the law firm for the balance on both cards! These guys pretty much yelled at me the whole time and I hung up on them. My question is this - is it too late for me to get into a DMP to stop the harassment, or can they drag me to court?

Hey, I am new posting here, but have been coming here alot. I have a question that I hope someone can help me out with. My BOA account has now gone into a settlement plan, and will be paid off in October. Now, with that being said, we are (my wife and I) being stretched a little with the payments, but will be okay. Now, my other account with Citi has gone to a second collection. This second collection is in Alabama, where I am living as well. Now, Citi is about 6-7 months into it. Should I be weary of a lawsuit? Or is around the 1.5 yrs more like it?

Do I still have to reply to a summons if i pay off the payday loan debt?

As mentioned in the thread regarding Capital One...I received a letter from Allied Interstate saying my account from Capital One was turned over for collection. Today I called Capital One and they have no records of turning my account over for collection. We even talked that while I am a month behind, they don't turn over accounts until after 6 months behind on payments. Capital One had me read the letter from Allied Interstate and they were as confused as I. On the letter from AI it has their address, phone numbers, work hours etc.

Has anyone heard or dealt with an internet PDL named "Cash on Wheels" I am looking for an address where I can contact them and demand a refund. I want to thank everyone on this site for their advice so far I have received three PIF from these scam artist.

hi i am new to this site and looking for some insight,i am dealing with midland crd mgmnt,i had an acct with hsbc the last thing on it is from june 03, now isn't the sol up on this? midland says last updated july 07,a credit counselor told me to settle with them but they want $750 of a original $960 debt, i thought i could get away with paying about 25%,but this is much more than that.any suggestions?

recently got a credit report, and a collection was on it. it showed the collection on one credit agency but not the other 2, that account was closed early 2002, and has never showed up on my credit report until now

I looked in the DIY section at different letters, and want to send validation letters to debts that are already paid. I did not find such letters in the DIY section, all the letters I found there regarding debt validation were for existing debt. Is there a template debt validation letter available for debts that have been settled already (for less than the full amount).

im a legal resident of this country but unfortunately i still dont know alot about the american laws. they called my parents in-laws' business looking for me and told them that they're building up a case against me and that i needed to call them immediately. when i found out about it i called them right away and willing to pay it off since i did recognize HSbank. i had that credit card when i was a teen & gotten into collections. but they wouldnt accept any kinds of payments whether a bank wire since i only have a savings acct, nor money order or money gram.