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What is the definition of "charging off" Thanks

Hi it has been 90 days since I sent a debt validation letter, today I received a large package containing copies of my credit card statements. Is this proper debt validation?

Boy - I can't seem to get Citi down at all -- they are stuck at 55% - I'm 120 out - shouldn't they be a little closer to the 35% most others are accepting?

How long till the "s" word comes into play? Should I bring it up or should I let them? So far, 3 months behind on CC's, I have been in contact with them and they want me to come up with the minimum payments asap (as well as contact their credit counseling service which is NOT what I need). So if I'm "too broke" to pay them the minimum payments (as far as they know) how will I convince them to settle for 40% or what ever if I'm trying to convince them I'm broke?

Does anyone know a website I can go to and see if the PDL company is lic. in CA?

HI, I live in Minnesota, that's the first bad news. I beleive that in MN, the pdl 's get to go by their OWN state laws. I have 3 outstanding PDLS, got in ove rmy head and had to close my chekcing account. No one would cut me any deals that did not include alomst DOUBLE the amount taken out and I was so sick of the calls I sent a C & D. No word from anyone in ahwile, but i believe all 3 went to AIS Services. This was all back in sept /Oct. Are they going to get a judgement against me? If so, when? I want to be aware of what's going on befroe my employer.

So, anybody out there have any thoughts on what state agency might get Check Advance's parent company, CompuCredit, to stop this behavior in Wisconsin: Inactive customers - don't owe Check Advance a thing - getting multiple calls daily at home offering them 50% off if they come in for a new loan. Several of these inactive customers have told the caller to stop calling them, have called the corporate office to tell them to stop calling them, and have called their local store to tell them to stop calling them. Doesn't do a bit of good, the calls keep coming.

I have 5 pdl's that I took out last year... CASHNETUSA, ONECLICKCASH, B&L MARKETING, 500FASTCASH, AND AAAPAYDAYCASH... I have been paying the bi-weekly payments that they were asking, however it got to the point where they just would not stop taking it. I closed my checking account and opend another one without giving them the new info. They have since started calling my job, cell, home, and my references. They went so far as to threaten my reference that they will sue them if I do not make the payments. I am not sure about anyone else but I have paid far over the amount that I borrowed.

has anyone had 500fastcash sell there account to a 3rd party collections.

I have spoken with my husband and my bank, Bank of America, and hubby and I are closing our bank accounts on 4/10 (his payday; and his individual checking account which has four different ACH withdrawals scheduled to come out on this date from PDL companies) and our joint on 4/15 (my payday -- has 6 ACH withdrawals coming out). Steps we've taken: 1. Given names of PDL companies and exact amounts of ACH's to be debited from each of our account and blocked them 2.