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This is the situation with me. Back in 1996 when I was 18 years old and irresponsible, I opened a Sears credit card and only stayed current on payments til 1997 (1 year). After that, I did not make any more payments on it at all. Now that I am 31 years old, I noticed on my credit report that Sears sold it to a collection agency and now I have two bad records for this. One for Sears and one for the collection agency.

does anyone else notice that wolpoff and abramson ,mann bracken ,mbna, boa, are related to cap one services which is aka capital one bank

Can I settle some accounts myself and others using a company? I am thinking of trying to settle my BoA account myself and then using a company to settle my Citi, Home Depot and Discover cards. I have heard that BoA is somewhat easy to work with,they are my largest creditor at 17K, but the others aren't. I am afraid to work with the others and I really fear being sued and messing up a possible settlement. Any experience would be greatly appreciated. Thanks.

i am recently paying for a medical bill i received services for in 2003 at the age of 17. after looking at my credit report it states its from 2004 is this correct?wouldnt it state its from 2003

Hi, This is my first post. I have a debt about 60K with BOA and Citi. the 0% apr end on them. I am unable to pay huge interest and request them to reduce it.but they never did. i am unable to pay interest for the cards. can you tell me how to go about with BOA and Citi.. I heard there is an option called freezing the cards where you only pay towards amount and not interest. can i request them to freeze the cards.. will they do it? i have never been late on my payments. would be really helpful if anyone can reply on this.

Do you think this is true? Debt buyer buys 1000 accounts. Over time the collection process begins but----- In 90 days just 26% of debts are uncollectible. In 120 days are 35% of debts are uncollectible. In 6 months it's 70% of debts that are uncollectible. After 1 year the old debts not worth the paper they’re printed on!!

I have Faxed Cease and Desist Letters to the following and they all have accepted the faxes in Lieu of mailing them(so far). I suggest you print out a transmission report after the fax goes through.

I have currently 4 payday loans and was wondering about indiana regarding these 500fastcash, oneclickcas, pdloutbacks and pdl high country ventures. 500 fast cash-borrowed 300-paid over 500 says I owe 130 one click cash-borrowed 400-[aid 120 so far pdl out back-borrowed 325 paid back 450 says i owe 110 pdl high country ventures have no idea cant find a way to check

All these phone numbers call my cell phone, daily, and I have told them not to! Are these phone numbers related or are they all different companies? How did they get my cell phone number?

:D I live in Iowa and have 15 PDLs. Thanks to your help on this forum, I am getting all of these resolved. I am doing this on my own. I started out with calling each PDL on 03/12 and then on Fri. (03/13 - oh my!) I decided to send them each a C&D letter. I have overpaid on almost all of them! We will see how it goes, but with the Iowa state law, it looks like none of the PDLs have a leg to stand on. Thanks again!