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UCB Collections is reporting a debt on my CR that they have not validated. I disputed it with the credit bureau and it came back verified. I just got off the phone with a law office who stated to me that they can still report it on my CR even though it has not been validated. They haven't even provided me with the name and address of the original creditor. According to the law office, they are not legally obligated to provide proof that they are legally authorized to collect the debt. So I guess that's stuck on my report until 2014 because I'm not paying them.

What happens to credit card debt when someone dies in the state of Pennsylvania? No property or savings to speak of.

I applied for a loan with CityViewCash on 12/2/2008. I sent them a letter stating that since they are not licensed in MN, they are an illegal PDL and I will not be paying anymore than the principal, which I borrowed and have paid off with all the insane intereset charges. They are stating that the loan was legal at the time I signed the contract so I have to pay. According to my research, MN laws changed in August 2008, months before I accepted the loan.

when i decided to fix my credit i set up a phone number to use ONLY to give to Credit Reporting Agencies. Now I get calls and messages from 800-964-7365. This number, after researching it on Google, appears to be a collection agency masking as AMEX. I had a debt with AMEX ten years ago which fell of my history over time. Should I assume that CRA gave my number away to them and is that legal on their part? Thank you, all help appreciated.

Has anyone used this company for debt settlement? I checked the BBB and they have an A+ rating. After reading some of the horror stories here I want to make sure I make the right choice.

On my credit report it states COR and then a date. What does COR mean or stand for? Thank you! Liz

I am currently 60 days past and they of course call 50 times a day. I owe Chase $21,000 and Citi around $10,000. I've talked to them a few times and told them my story. My fear is that it will go to a CA and I will lose my chance to settle with the CCC which is best from what I understand. At what point will these creditors (predators) sell the debt to a CA? Am I just being anxious? 60 Days does not seem that long. Thanks, Mcstiggs

I was just told that credit card contracts are not a type that the law requires to be in writing to be enforceable. Credit card companies might be requred to make certain disclosures in writing under the truth and lending act (TILA) but that must be made an issue if you are being sued? I requested through discovery that the collection agency provide a signed contract and credit card statement showing the account was mine. The collection agency told the judge that he did not think that he would be able to come up with these documents.

I'm considering Chapter 13 but just want to make sure I would be ok with the CC companies. when applying for my credit cards I did put the max amount of income I could make with my job. 100k. I have never made that but that is the potential in the sales job i have. I have only made about 60k as my high. Would the CC companies have anything to fight with that because they never checked my paystubs just asked for income which could be 100k if I maxed out on bonuses. Thanks