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Ok, so I did my homework on the site and see all the bad things about NCA. I receved letters stating that they "purchased" my accounts and have an investment in them. They are not collecting for the people they bought them from. Is this valid or a play on words. They are from illegal internet payday loans out of county. I sent them the DV letter and they sent a copy of the internet app of course no signature. I advised them in the DV letter the loans were illegal and the companies not lisenced in CA.

I have a judgment against me in PA for Discover Card. The law firm is Weltman, Weinburg, and Reis. my question is how does a law firm find out about you bank information to file a writ of execution? And how can you protect yourself.

I am new to the forum and I am really encouraged by what I have read so far. I have gotten myself into some serious PDL debt and any and all help would be greatly appreciated.

OK, I'm trying to buy my first new car in the summer. I've never been approved for a loan because of collections that have been on file. But my bank let me have a small loan to pay off the collections ($1000). Now I also have most of my credit cards at around 90% and the loan the bank gave has a huge time limit (23 months....I can pay $1000 in 3 mo.). So my question is Would it help me more to focus on paying off my credit cards and just do min. payment on the loan or pay off the loan first and build credit history??b

Chase, 15K, 90+ days late offered me 70%. BofA, 15K, 90+ late offered me 50%. What do you guys think? How much can I get them down? Chase is really tough to work with. BofA seems realistic. Hopeing for 35% on both, I could do that. How about Citibank? Owe them about $15 also.

Hi, I am just curious about our Debt CC points. Some time ago Vikas or Jason had mentioned that the amount of points we received depended upon our ranking with Google. Well, I noticed when you google us we are now in the number one ranking. Does this mean our point system will go up also, because I haven't noticed any changes. Thanks! :)

Has anyone out there recently settled with Citibank? I have not heard of any recent settlements and am trying to get a feel for what they are doing now. Thanks!

Has anyone successfully filed bankruptcy, either Ch. 7 or Ch. 13, pro se, with no attorney, recently? I have read that most pro se filings fail or are rejected. Is that because they are really faulty, or because the system is so biased toward the lawyers who get their take that the BK court or trustee rejects them for some trumped-up reason?

I was hoping for some advice, i just got a letter from them(V&K) stating "they have been asked to conact me to arrange a resolution of my account with E CARE CONTACT CENTERS". I believe this is CTC(Cash Transfer Centers). I did use them when i was in a bind, did not realize the full payment due on payday, that forced me to reloan time and time again. I ended up doing that for 6 months(12 reloans) paid 3900.00 in fees total.

I am being sued for a credit card balance. The arbitration is in PA. I have a question about what the Lawyer can do. Can the lawyer look up other records of me in the arbitration and use it against me? Say I had a credit card balance in the past? Or does the plantiff have to stick with just the issue at hand? Thank you in advance.