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I'm one of the lucky ones. We sold our home ( short sale) and the 1st was paid in full ( countrywide now B of A). The second ( B of A) only got about a third. They would have got 97% of the second had they taken one of the other 4 contracts we had in a reasonable amount of time. Anyway, B of A is showing my second as a Foreclosure on my credit report. I filed a dispute with Experian but B of A refuses to change the reporting. Where do I go from here. It's just not right to have a foreclosure on my CR when the home was sold. Thanks

These loans will be due on Monday and I am at a loss -- I owe way more than my actual paycheck. Looking for a rock to hide under. What can I say to these companies to get them to let me make small payments (like $50 a month initially till the smaller ones are paid off). 1. List the companies you have the loans with and whether it is a store front operation or an internet operation.

i CANNOT PAY MY CAR NOTE DUE TO AN ECONOMIC HARDSHIP. 9 MONTHS AGO MY CHILD HAD A STROKE, i GOT 2 PAYMENTS DEFERRED. NOW BECAUSE OF THE RECESSION, I AM HAVE BEEN LAID OFF. LAST MONTH I ASKED FOR ANOTHER DEFERMENT, THEY WOULD NOT GIVE IT TO ME. I STRUGGLED AND BPRROWED TO PAY THE NOTE. THIS MOTH A JUST CANNOT. WHAT CAN I SAY TO THE FINANCIAL INSTITUTION TO MAKE THEM UNDERSTAND AND DEFER THIS PAYMENT?

I keep searching and searching and really can't get any info on this company I need to send them some validation of debt forms but can't get a valid fax number or address for them.

Hello, love this site thank you to the admins for keeping it going. I have fought hard to get my credit score up but the last 2 years have been a little rough and i have been 30 days late on my car payment and credit card payments (2 HSBC Cards) on different occasions. I have disputed to the end but they are still hampering me. I am finally back on track but my score is not keeping up with me because of the previous late payments. Experian has some off that transunion or equifax has on and vice versa, is there any help for me or am i just on a waiting game for the next few years?

I had a call (a recorded message)from Arrow financial at my place of employment after hours (7:30pm).The call went to the switchboard and the night answering machine pick up. They left a message stating that they were from Arrow Financial and this call was for (me) and they are trying to collect a debt. Of course the operator is the one who got the message first thing in the morning and transferred it to my extension. Is this legal for them to do? I saved the message and also sent it to my cell phone to keep.

I am wanting to send a request for Validation of Debt but can't get this company to give me my account number or anything unless I make a payment. So should I just send it to them anyway with my phone number and SS# since that is always what they ask for to look up my account?

I am currently considered 126 days past due on Capital One. Global Credit & Collections is offering a settlement of $4992.00 on a current balance of $5873. Is this the best they are likely to offer me? The original balance in Jan. was 5534.

I got served at work from a collection agency because Credit Solutions did not do what they said they would. They took me for around $3000.00 in bank drafts and were supposed to send me paperwork detailing what they are taking the money for but never did. I never signed anything either. So what kind of lawyer do I need? The debt that they were supposed to do something about has grown instead of been cut like they claim and now they want to try and get me to settle on an amount that is just plain wrong.

I had a payday loan from Paychecktoday.com. I sent them a letter revoking ACH withdrawl which they got because they cut off my online account access immediately. I also sent them a copy of a Desist and Refrain order that the CA Dept of Corporations issued 6/27/08. ( I was unaware of this when I got the loan.) I live in California, my original loan amount was $300. I have paid then $270 to date. When I tried calling them to speak to them about settling on this account (I am willing to pay the original $300 since I did borrow it) the manager, Antoinette, yelled at me and hung up on me twice.