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I received a letter and sample lawsuit from the legal department for Portfolio Recovery. It stated that if I did not contact them by a certain date to pay off the balance or to make acceptable payment arrangements that they would file a lawsuit against me. I did in fact contact them because I knew that I did owe for a Sears credit card some years ago. I am now learning that I should have asked for a debt validation letter after the fact, but I agreed to make payment arrangements which were accepted.

Ok, so I got a letter from Advanta today actually it says: March, 3 2009 Dear__________, Your account is seriously delinquent. Since you have not made payment arrangements, your account has been referred to our Legal Department for immediate review and action. If we do not hear from you within 15 days, we may be forced to commence legal action against your business and you personally.

I something on my credit report from LVNV Funding and Allied Interstate took it over and I payed them. When will come off from you?

I just got a letter from Discover that says: Dear __________, Your Discover Card Account is seriously past due. To avoid having your Account charged-off as a bad debt, which will be reflected on your business' credit bureau record, call us today. Here sre some solutions: Send us a payment for just $233 to stop the charge-off action for now. We must recevie this payment by 3/5/2009. Let's discuss the options we have available.

is it safe to use the debit card of my new bank if closed off other one so payday loan cant access my money why i try and get them to mark my account paid in full. or are they able to somehow access this info and try and deduct from new account

Your e-mail address was given to me to apply for a paper check pay day loan however when i tried it came up unable to find that topic. How do I go about applying for this type of loan. Thank you

Hello, I'm an office manager for a small roofing company in Washington. Here is a list of all of our debt 1 Credit Card 1 Line of Credit Department of Revenue Debt Labor and Industries Debt IRS Debt Car Loan Debts Is there a way to bundle all of these and just make one payment on them? THanks

Hi, I have been receiving lots of phone calls harrassing me about a pay day loan from Cash Net Usa. Well, I called CAsh Net Usa and asked them about this collection company and they said they have never heard from them. I had given them my debit card to debit this Friday, but Cash Net Usa told me to cancel my card because they wouldn't do the things they are doing. The scam company sent a letter today stating the payment arrangements but I won't be making any since I cancelled my debit card. They have also threatened me with taking me to court over $400.

I had an old debt with Palisades and I paid them. I recieved a PIF letter and they said they would file with the court to dismiss the case. They did not file anything with the court and as a result, a judgement was entered for the full amount of the debt, even though I paid them. I've called them and they said they would take care of it and fix it with the court. It's been months now and they still have done nothing. Can someone tell me the reason for why they refuse to do as they say they will? How on earth do I fix this.

I feel really lost with what to do with life here...My credit report has 4 accounts in collections, all of which are being paid down and are at least a few years old. I also have student loans that had delinquent past but have been current for a whle now. My equifax score was listed at 637 (though that had 1 less collection than TU or EX had). I'm trying to plan future but I don't know what to do.