Search forum

The number above called my house and there was a machine with a voice of a female. Message such as: "I keep in touch with you for sometimes, blah blah blah, call me back the # with ext. 111". No mention name of the person who they want to speak to when called to my house many times. It is just a " message" ask you to call back. This is some kind of scam or con- artist; therefore, people need to be smarted. Don't call back why waste your time. I ignored this annoying phone call. This is scam or con-artist.

trying to settle on our own,only 2months behind and was sent to NCO which I now know is a collection agency.When I called them they said that they work for capital one and my accout was still with capital one. I'm confused..I thought once it went to a ca that it was sold off from capital one and it was now out of their hands,but yet at the bottom of the letter it says to make payment to capital one. I am sending them a validation letter. Can someone explain this to me? Why is capital one still involved? or are they making it up????

I tried to post this the other day, but it hasn't appeared on the board for whatever reason. Anyway, my husband and I need some advice re: our payday loans. We have a total of 5 out and all are storefront businesses. Part of our problem with not being able to pay these is that the employees of these stores are people we genuinely like and feel bad disappointing. I am in Iowa. My husband owes Check into Cash $300 plus $38.89 interest. This was due last Friday and we haven't paid it, are getting calls. I owe Hometown Cash Advance $445.00 plus $55.00 interest ($500 total).

Ok. First, I'd like to say that I'm thankful that this type of forum exists. I recently received a call from a CA. My mother just passed and I'm trying to support 3 kids off of a single income. Nascar Devil advised that the SOL for California is 4 years. I haven't called the CA back because I'm afraid to. I've contacted CAs before and they're non negotiable. I do not know what account they're calling about because it's been years (maybe 6-7 years) since I've had a credit card. Does anyone have any suggestions to how I should approach this issue? Please help!!!

I have posted here before (about a month ago) about a citation to discover assets against our bank account for a judgement from an old CC debt. Well today was our court date and because I couldn't find the pay stub proving the money in there was unemployment, we claimed our $4,000 wildcard exemption, thereby refusing to allow the creditor to take the money. So they handed us a piece of paper, told us to take it downstairs and have it notarized, then we could take it to our bank to release the freeze on our account. We did that and were told it would take approx.

I have a 17 years daughter that will go to college this fall. Both me and my husband have good income but bad credit, a lot of debt but we always paid our student loans, we don't have bad history with the student loans, car payments and mortgage. We entered a debt settlement program and now we are out of it. I am considering bankruptcy for me and my husband but maybe after she gets to college. I just don't know how can this affect the eligibility to get a student loan for my daughter.

Hi, I have $55k in cc debt from BofA but here is my question. Even though the cc's are in my businesses name, I beleive I signed as a guarantor for the cards personally.

Hello, I am here hoping to get some help. I am 19 and I have a full-time job. I took out 2 payday loans when my boyfriend got laid off because we couldn't afford bills, and now I'm in over my head. I have not been late on any payments yet, but I know I won't have enough money to pay. My loans are: Goodtime Cash: 200 Apply Advance America: 800 I know Goodtime Cash is illegal, and I have sent out the ACH revocation letters. But I spoke to someone on the phone from Goodtime and he told me that they ARENT illegal because I voluntarily got the loan. What steps do I take now?

Hello Everyone, I am hoping someone can help me! I got a letter in the mail from Malcom S. Gerlads and Associates. It was a debt collection letter for $1200. I totally freaked out and I called them. It turns out its from a Discover card I had in college from 1995. And it has not been reported in my credit report in the past 7 years. The guy on the phone said he would settle for $500 and I said I did not agree to anything.