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I tried to do payment arrangement with webpayday.com but they refused unless the account goes to collections. The only way it goes to collections is to be returned from the bank as NSF. I revoked ACH and they debited the bank account anyway. I have gotten loans from them before and have always paid them off so I was an excellent customer and the one time i wanted to do a payment arrangement they refused.

Location: NC My wife received a letter from an atty's office which began: "Our firm has been retained by [CA] to replace their former attorneys in this case. Because we are replacing the prior attorneys for the plantiff, we are required to give you the following notices: Please again take notice that judgement was entered against you in the above referenced case on or about May 15, 2006. The current outstanding balance of the debt is [$x]. You should be aware, however, that interest is continuing to accrue on the account." The letter went on to explain, "If you dispute this debt,..." ...

Hi, I'm wondering if there is a difference between something that is reported as a charge-off and something that is reported as settled-less than full balance. Is it looked as the same by underwriters? Thanks, KT

i have quite a few collection accounts that were too old to be on cr and have been disputing them with tu online..everytime i did a dispute, something had been deleted. i have had 8 negs dleeted to this process within the last few months..anyway, when i tried just last week, tu will not allow me to complete the transaction over the net. i get the message that i can dispute by phone or mail...What's this about? Any ideas? Am i frivolous-when so many have been deleted previously?

If I close my account on 5/11/09 and the next ACH is scheduled to come out on 5/21/09 will that be enough time to prevent them from taking money out of my account. What should I tell the bank if they ask me why I want to close my account? I have also singed up with PDL Assistance in Alabama. The person that I spoke with told me that they are registered with the BBB and explained how the program works. The person was very honest about the company and explained that complaints were filed against the parent company but those complaints were addressed and resolved.

I Need some help!! I am not sure what to do or how to do it. Here is my story....I have around 60K in CC debt. Location: Califorina I just received a letter from Chase and they are asking me to contact them in before 15 day or they are going to start the process for a lawsuit.(90 days out) My deby with Chase is 15k. What is the best solution for this? My over all goal is to really understand how this all really works and can be resolved. I been reading hours on this web site and look into a debt settlement company. I was not feeling the trust level was their.

I have about 55k in CC debt with BofA on 3 cards. I missed my 4/5/09 and now 5/5/09 on the big one and the other 2 are like a week after. Today I got a call from BofA asking me what's going on ect.... After talking to them some time they said they could settle for 50% of 55k that would take care of all 3 cards. I said that the most I could come up with would be around 30% that’s 16k. He put me on hold then came back and said they could do that for me.

my husband got a loan and had his brohther co-signed, the loan was paid off by the Ins. co. can the Ins. co. go after my husbands brother still?

10 year old debt!!! this is the 1st time i have heard from anyone about it, it was JUST sent to collections 10 years later!?!?

Hi everyone. Great site ! lots of very good information here. I havea question. I went thru credit reapir 1-2 yrs ago sent all the letters to the credit bureaus and disputed all kinds of stuff some of it was removed some was determined to be valid.. I ahve noticed duplicates again on my report of old debts they said were ligitamate. so now what are my options. I know about the sol in my state is 3yrs.. I know these debts are getting up there. How do I find out the original dates? does not show on my credit reports.