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How do debt collectors get bank info, especially if you have not paid them a dime?

Are there any law firms that will help to negotiate debts for you if you do not want to deal with unreasonable debt collectors yourself...and if so, are they reasonable?

I need help STAT! I am a MN resident I took out a payday loan from Cash Advance USA located in Florida on 11/2007 of 200.00. I made 10 ($50 payments) Then I closed my account because they were telling me that these were only renewal fee's. They were taking random non approved amounts out of my account. They have now turned my acoount over to Capital Collections in Florida. Capital Collections is rude, calls me at work, they hang up yell at me and tell me that they will file a law suit. They ignored the BBB complain and the AG complaint that I filed.

Allright so i have searching this site for information after i recieved court papers against me from this law firm. I answered through my city court house that the amount was unjust and also included a debt validation letter. Neither of which has been responded too they sent me a settlement, only problem was i recieved it two days before the date they wanted me to start paying. So since i didnt take the settlement what do you think there next step or my next step for that matter should be. Should i DV them again? Or should i just sit back and wait? Thanks:

Has anyone ever heard of Hunt & Henriques? They bought the loan I owe, and have been harrassing & threatening to take me to court....Anyone?

I had someone call me stating they were from Advanced Credit Recovery, stating I owe a debt to a PDL. I was told this is up for civil review in my county if I don't make a payment by March 13. I told her that I never got any letter from her company and I would not pay until I first got a letter and then I wanted validation of the debt. She told oh no the orignial creditor has to send me that, which she said they should have and I said no they have not. I just want to know that I believe this place is acting illegally by refusing to mail me anything.

Has anyone here had success using a debt management program? I'm at the beginning and am on a four year plan. I am current on all my accounts, but couldn't handle the interest rate increases and increased minimums. This is why I chose a dmp. Any guidance or just hearing someone who has been through it would be great. Thanks!

I have a private student loan with Sallie Mae and I am current on it. I was wondering... if I contacted them, is there a way I could get my interest reduced? Currently I am paying 14.25% interest on this and this loan is almost as much as my rent.

what can they take in texas as far as personal Items? if I use like a computer for work can they take that?

Hello all. they just called me about my loan with them. i have the principle paid off and just owe the interest which im not paying. i am going to be mailing out the papers to them friday. they called tho saying if they dont receive at least 200 by monday then my account is leaving cpd and going to a outside collections compnay. is this good or bad and would i have to find out the company and mail them the letter to?