Search forum

Hi, I have a conversation with Capital Management a few weeks ago and the person I was talking to said that they were unable to tell me what the debt was for just the company (JC Penney) and the Balance. At that time I also requested on the phone a debt verification. I am pretty sure I reset the SOL on the account because I had agreed to set up a payment with them I didn't realize what I was doing and was surprised since I hadn't had a collection call in around 2 years. The account is now listed on my credit report as open but prior to that date it was listed as closed. Doh!

The address I have for them is PO Box 636 Charleston, Nevis West Indies But is there a zip code? Or do I just write that in the envelope and send my document to them?

The SOL just expired on two old credit cards. If the debt owner sends a form 1099c to me, will the balance be only the original debt amount at time of default? Does a 1099c report the interest and fees? Does the IRS use the interest and fees in calculating taxable amount?

I was contacted by Mitchel N. Kay regarding a debt that was discharged in a bankruptcy over 25 years ago. Believe it or not this is the third time in 10 years this debt has come up. What to do to finally get rid of it.

I got a letter from a collection company, one of many listed on the letter, the account was on a Capital One card, then sold to one account compant then another now another. I believe it to be SOL but not for sure. Anyway can I send them a letter to where they have to show me some history, proff and so forth. If so which letter. Only one collection company shows on my cc report and none of the others and it shows to be a capital one account . Need to know which letter to send . Is it a DV letter? I have to reply back before the 21 st of this month. Thanks

I live In NC and have a judgement on a cc card. I figure they will go after my checking account. My question is if I have a seperate account alone and my husband has a single account of his own, neither being joint can they touch his account too if the judgement is just against me. The cc was in my name alone, the judgement is only againist me. So just wondering if they can take from his account too.

I got CJ account a few months ago, bought an item, paid it in full and yesterday I realized they stopped reporting to EX and are still on TU. any ideas whats up? they do not answer my email? usually they are very good with email answering. thanx

What is the best way to ask a collection company to prove the collection to you,as far as the date the collection started and what it was for?

I'm trying to settle my citi card account with 11,000 owed. I called today to see what they would do and the person I spoke to said they didn't offer settlements unless there was a medical condition that resulted in job loss or terminal illness. Sounds bogus to me and I plan on calling again. Any advice for settlement or who I should try to talk to? Also I have three other credit cards with 0% interest introductory rates - will the interest rate change if I let my payments slide w/ citi during the negotiation process?

Ok this is something that I have already been thru but I want to know if I was tricked or did the correct thing? I had defaulted with them on a $900 loan but because I had got PDL consolidation assistance. Well because Cashnet usa never heard from me while I was paying my payments to this consolidation company they sent me to some attrny office for collections. They called me threaten me to file a suit for fraud against me and that I would be taken to jail for not paying them back so I had to pay them $1900 which he said where late fees and attrny fees.