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Ok, this may or not be the correct place to do this….I have been cleaning up my credit and wanted to ask some questions that I don’t seem to find the answer to or similar to mine to help me determine. 1. Is the SOL from the date the collection started or when it was reported to the credit bureau? A.) If it’s from the date the collection started how do I know that date? B.) If from the date it was reported to the credit bureau how do I get THAT date. Reason why I ask is looking at my credit report some items have a start date some don’t.

I am having a hard time getting anyone to respond to my cease and desist letter - I can not locate them either under secretary of state office etc. I did call them and was given the Rizzo Holdings as their corporate headquarters. If anyone has had any success reaching them please share whatever information you have. Thank you.

i have about $40k in student loans with sallie mae(which reading other blogs seems like chump change). i am not in a position to make my $400+ monthly payments. since these loans are already in default, is it too late to consolidate and try to get a lower monthly payment?? or do i have to bring them current first?? is sallie mae the best lender to consolidate student loans??

I'm being sued by Hanna for Asset Acceptance on a Goodys account. I've been through the answer to the summons, the request for documents, interrogitories and the admit or deny facts part. I sent them a request for documents back with my response to their requests. Today I received their response. You talk about a lot of legal mumbo jumbo words just to say they basically objected to what I asked.

So long story fairly short... Lost job so moved for another job paying less $$ Now have mortgage (house is on the market) $572 /month Husbands 1 year old car payment $334 /month My brand new Truck only had it 2 months $569 /month Credit cards w/ total balances of about $13,500 Rent on new place $315 /mnth Then of course utilities, food and the needs of 3 kids His new job pay alot less then old job so now we cant afford everything. He got laid off with out any warning and moving 2 times in 1 year has not helped.

Ok, so I sent out a letter to Northway Financial stating that Zip 19 was an illegal company and was not authorized to do business in my state (Utah) and that they needed to stop calling me and my place of employment. I specified in the letter that I needed a physical address to mail payments to. Does the information they gave me regarding MoneyGram or Western Union cover that piece? My only problem is that WesternUnion charges up to $19.00 to send money. In that case, I'm still having to pay the balance of this loan in some regards.

ok so i am attempting to settle some rather small debts that i incurred while i was in college. they are credit cards to retail stores. my question is--as i am in contact with the collection agencies who now have these debts, is there any way to get them to report them to the credit bureaus as "paid in full" or "in good standing" or "paid as agreed"?? idk...im probably going about this all the wrong way, but i actually do want to pay my debts and rebuild my credit simultaneously. any advice?!?!?

What is the legal status of wage assignment in Maryland? Can they do that for consumer debt?

I am sorry if this does not belong here but how do I find this forum? I keep having to go to My Threads and go back a few pages because it is not listed with the other forums..

Could someone please review a letter I plan on sending to LRA and tell me if this is the direction I should go with them. This letter is in regards to my account that your company is collecting for MTE Financial. The State of Michigan requires that any payday loan company be licensed in order to provide a loan to a Michigan resident. MTE Financial is not licensed by the State of Michigan. Michigan law also requires collection agencies to be licensed as well. My research shows that your company’s license expired in 2007.