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I just attended my pre-trial this morning where I'm being sued by Portfolio Recovery. I have sent validation letters to them previously but they have never validated the debt other than to send an office generated form showing my name/address an acct. number and stating that the debt had been purchased from Capt. One. When I disputed a second time, I never heard from them again until 4months later when I recieved the summons. I did repsond and that is when today happened.

Salutations, I recently reached settlement agreement with two collection agencies by phone and received agreements in writing, signed by authorized agents before mailing in my first payments CMRR. I have a strong feeling they'll be calling on or shortly after the first of the month asking, "Have you mailed in your payment for this month yet?" I don't want to put up with it, especially when the payments won't be due for at least 20 more days per the agreement.

In my search for a debt settlement organization just a couple of days ago...I almost immediately got contacted by Creditsolutions.com. I listened to the representative and after stating I would get back, did a little investigating. Though some reviews will say that this company has been is business for over 6 years and have flowery remarks, there are some items to ponder over. BBB has a "F" rating on them...and there are many emotional and agitated clients that have reported. I see that this search takes true diligence to find a reputable company!

I defaulted on a loan with Loan Shop On-Line. The original loan amount was $500. I have subsequently paid back $490. They are hounding me for $160 more. I am willing to pay $10, which would satisfy the original balance. I have two questions: is the company licensed in PA (where I live); and how do I go about getting them to accept the balance of $10 to satisfy the original loan amount and to get them to drop their efforts of getting more money (in fees, I'm assuming) from me. Any help would be appreciated.

Can anyone tell me what the difference is between setting asside a default judgement vs vacating a default judgement? I filed a motion to set aside a default judgement. Thanks.

Hi Paulmergel. It is me again. I got another call today from US National Legal Division. This time the calls are only a week apart. They had gone down to about once per month but this time not that long. I have been ignoring them for months now as you suggested but they simply will not go away. I know you said I made the mistake of talking to them in the beginning so this is why they still call.. but should I call them back to see if there is a payday loan I have forgotten about? I know they cannot send me to jail but can they legitimately collect on something?

FBCS has contacted me, and after a long time i finally paid them about 1/2 of what they say i owe them. We did some research, and read all of the warnings, saying not to pay these guys. Did I just screw myself in paying that amount? Is there anyway to sue and get that money back? I am more pissed at myself that anything.

Should I send C&D / DV and other letters via email with recieved and read receipt option or registered US mail and get a receipt.

a private daycare person is trying to sue me and is contacting my boss and giving out all the information dealing with the debt i owe, what laws cover me from her giving this information and what can i do to stop this from happening?

Hello All: Well, it is going on 10 days and still no dunning letter from those @ssclowns at JD Enterprises and Financial. I still have not heard back from AT&T about the hard copy proof of my account being sold in October of 2001 (I have sent 2 emails politely requesting the information, and offering to pay whatever necessary for the information printout), so I think they do not want to get involved. My questions are: should i call AT&T and speak to the supervisor I spoke with previously and ask yet again for the verification? Or should i just make the CA obtain it?