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I opened a Wells Fargo secured credit card when I was 19 years old and didnt have any credit nor would anyone give me any. I put $300 into the "savings" account they giving you. I ended up charging up the card to the limit very quickly and was an irresponsible teen thinking that if I dont make my payments thats what the $300 will take care of, WRONG! I got calls, letters etc. All said and done I owed an additional $538. I talked to the nice lady who said she would offer me a settlement of $250 but if I paid the full amount $538 she would remove it from my credit report like it never happened.

Came across this this morning on another forum. Keep your fingers crossed. The file is 120 pages printed so don't kill a tree: http://www.ftc.gov/bcp/workshops/debtcollection/dcwr.pdf

I had a debt from 9 years ago. It is no longer on my credit report. Can these collection agencies continue to sue me for a debt that old?

i just got served a summons to appear in court by Capital One / bray & lunsford, PA (attorney). what am i supposed to do?

I am getting calls from Tri-Financial of North Tonawanda, NY, attempting to collect on a debt on a bank account that I voluntarily closed with a zero balance. I know I owe nothing on this account and I believe this debt is bogus, but this company is calling me at work constantly and harassing me, threatening to turn me over to "the county." It is a man with a deep voice calling from 716-639-0249. The best part is that the debt they are trying to collect from me is less than $70! Anyone have any info or dealt with them before?

I have a 2 1/2 child and never once received a peeny from her father he is in the military and has a ''wife'' and another daughter which he full supports he isnt worried about his other child at all he said when she was 2 months old he wasnt worried about helping support her I could always count on my parents for support is their anyway i can receive back child support?

If I do get sued what will happen? I am getting ready to do debt settlement on my own and fear this. Will they let us work out a settlement with them or does it have to go all the way to court? How long does the whole suing process take? I am really trying to save as much as I can and dont mind paying higher settlements just to be done with this whole thing. Thanks for any advice.

I was wondering about cashnetusa and how to handle them. I had borrowed 1050 which I just defaulted on. I have paid over 600$ in fees. They have my balance as being 1500+. This of course includes 2 rounds of interest and the loan amount. I live in Maryland. Is there a way to handle an amount settlement? Are they legal? They also sent me an email stated I had 15 days to make arrangemnts with them or they were sending me to third party collections. Any help would be much appreciated. Thanks!

Wanted to know of your experiences with Capital One and trying to get a settlement. We have two cards. One with @2700 and the other @4700. Was told by them that they wouldn't even talk settle until 120 days past due.

It appears that Lvnv has received a default judgement against me in the state of TN re: a delinquent Sears acct from WA. state, DOLA of 11/22 according to my credit report. The judgement entered was 10/22/08. Now I've been subpoened to court to give testimony and present proof of income, (taxes, pay stubs, bank statements, etc.) property owned (land, vehicles, etc.) what rights do I have or have I pissed them away. HELP!! David.