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Why does a Debt Management Plan ask if you have over 1000 in medical bills? We are about to begin a debt management plan through CCCS. One of the first questions on the application is do you have over $1000 in medical bills. Why do they ask this? Will they help with these bills?

Does anyone have any an email, fax or actual mailing address for this internet based pay day loan company. I'm trying to get my letters to them but can't find a way to contact them directly.

I have a Capital One card that is current but has been late a few times. So, the interest rate is being raised to the default rate (arond 29%). BUT, I have the option of closing the account and keeping the current interest rate (23%) until it is paid in full. I am leaning toward closing the account but is that negatively shown in my credit report?

I have had some reasons to post ads on Craigs list and my wife has answered several. I have very negative feelings about it. I was flagged several times by people who wanted me out of the way. I was not breaking any rules just someomes competitor. My wife who was looking for a work at home job ran into schemes and scams and all kinds marketing ploys. I think it has really become a predator haven. I just published an article about it. I would like everyones opinion. Here is a link to my article below.

Hi - getting calls from T-Mobile USA (on caller ID) 954-907-0000. Asked for my husband - he has never had a T-Mobile acct so I told them so and asked if this was just a sales call. Then they said they were from First National Bank about his credit card. (He's not behind on his payments.) I never told them who I was and they told me it was about his credit card (FCPA violation?) I looked it up on a "who's calling me" site and others said they have gotten calls from same caller ID with no T-Mobile acct either. Call it back and you go to voice mail with no name.

In brief when I was unable to pay last March I has $360K in outstanding balances. These are combination of business and personal. I have made no payments since then. Everything has been charged off. I really don't want to file BK. I get settlement offers for 30% of the new amounts which are all higher of course. I ran my own business for 15 years and had excellent credit. But also never took personal income. Thus have not filed a tax return in years. (Yes they loan you lots of money with out tax returns...

Finnally had it with NCO, SRA & B of A. B of A turned it over to NCO who released it to SRA and now its back to NCO. I have a letter from B of A that as of 4-7-09 they are honoring my request to Cease & Desist but today I received a call on my cell from NCO at 7:30AM. I told them they were in violation so they hung up and waited till after 8AM and kept calling my home # - which I did not answer. I still have no debt validation on the B of A debt even tho I requested such with your form letter in October, November and February by certified mail. I don't show that accnt # as mine.

I've been receiving phone calls from these guys since last week. They never leave a message but call about 10 times a day. Do I call them back to see what they want or just ignore them until they send me a letter in the mail? I've read that they are absolutely horrible to deal with. Thanks :lol:

I have a debt that the orginal creditor turned over to collection. This collection agency than sent or sold it to another collection agency. Who than in turn sent or sold to a third collection agency. The orginal creditor no longer shows on my credit report. The one debt now show up three different times under three different collection agencies with three different report dates. Can I get two of these removed from my credit report? Has anyone else had this problem and were you able to remove them?