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I check my credit this afternoon and noticed 2 delinquencies appeared. One is from feb 2006 for a walk in medial clinic which I recall paying in $50.00 cash because I was uninsured. It appears as a $200 past due collection on all three of the report bureaus. Without any saved receipts how do I get rid of this problem? Next, there was a cable bill from Mar 2006 which i legitimately owe approximately $200.00. There were some additional charges for $250.00 that I disputed paying because the service was inactive. However, the amount in collections is $700.00.

The amazing thing about this is the one most important piece every one has seem to forgotten. Each and every one of you walked in the door happy someone one was there to loan you money, all up until it became time to pay it back. then we became the bad guys. I have been there and done the PDL and worked my way out of it. We did not come to your door and go here, here's some money and oh by the way you owe us this much. You came in looking to borrow it. then we have the dead beats---go from store to store co to co in one day, and BAM never able to reach them after that.

I just put another post on here about a call I got again today from Justin White of the Legal Dept. of National Processing. I posted about it in another post so do not mean to duplicate .. but what I want to know is does anyone else get calls from them once a month or so??? No matter what I do, they will not go away and it has been going on since last July.

The calls just will not stop!!! Today I got a call from a Justin Whiten who said he was from the Legal Division of United Processing. It was the same old story ... a case will be filed against me today if I do not call them back, etc. I continue to ignore them but they will not stop! They call approximately once per month. What do I do? Do I still report them to the FTC??

I am currently in Chapter 13 and I am having a difficult time paying on the monthly plan, a payment plan that I could not afford in the beginning but trusted my Attorney who informed me that I can modify it. Unfortunately the Judge rejected it and now I am expected to pay that amount. How did it end up being so high, mean test, I was informed. Well, I am at the risk of it being dismiss because I am only sending in the money I can afford. I received a letter in the mail from National Debt Relief (Settlement Company) claiming they can reduced my payment down to what I can afford.

Hi All, I've been diligent in getting rid of these loans on my own thanks to this forum. I received a letter from a Collection agency after I send the PDL the email requesting full payment. Do I mail a C&D letter to the collection agency? What do you guys recomend.? The name of the collection agency is AllianceAsset Management Inc. Thanks again

I have a question regarding renting a car for vacation. It says they need a credit card to reserve and i do not have a credit card. do you think they will let me use a debit card? i cannot even get a credit card (not that i want one but still..) it just seems so unfair! if my location even accepts debit cards i believe they put a hold on for an extra $200? of course i would be good for any damages but it just seems off. i know a lot of people here do not have credit cards, how do you normally deal with renting a car?

We have a few things under "Collection Accounts" and a few things under "Negative Accounts". The collection accounts do not show charged off (even though they're several years old), they show us "Unpaid". The negative accounts are varied with some charged offs, etc. We have a limited amount of money but are trying to get my husband's score up for job searching. Should I send "Pay for Delete" letters to the collection accounts first or the negative accounts? What will influence his credit score the quickest? Thank you in advance!

I would like to give a heart felt thank you to all of you for coming to my rescue on Friday and Saturday with your donations of points, and in one case cash, to save my auto insurance policy from being cancelled at midnight tonight. Special thanks to nohiogal, dawnlango, FloridaRon, Shazzers, Littlepuddin, dayoung6, Bossy (Karen) smo65d11and Paul Mergel. A very special thanks to Paul who blew away my wildest expectations. This is not a first for him either. He once gave someone his HOF points for her car insurance when the dog ate her money.

I just got back from the bank. I was a bit distressed at somethings. 1. They couldn't tell me who the ACH processor was. They said I don't need that as long as I am closing my account. 2. They stated that as long as I closed my account and locked everything out that the companies couldn't get at any of my money. They further stated that if I closed my account there would be no fees incurred when the companies tried to take the money. My question is do I need to do anything else as far as locking out money. Do I send the revocation of ACH anyway.