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I have a few letters I would like to send to the 3 credit bureaus. Should I send them all in one envelope? Or separate ones? Thanks...

some 25,000 payment is due on me so i want to do settlement please help me about the procedure

I had posted last week about Faber and Brand, a debt collection attorney located in Missouri. I had a hospital bill that I was paying and sending them money each month. Last week I received a notice of garnishment. I called these people and they state they never received my January payment and went ahead and filed for garnishment! No warning, no phone calls, letters, nothing!

this is my second, and LAST time i am dealing with a CA. I had a over due gym bill that i am hearing about for the very first time this week...from July 08. i called the gym to confirm and they dide, and apologized that they couldn't take my payment themselves, as it was sold to Independence Receivables/RIDDLER&ASSOCIATES (a "law firm"). now when i am wrong i am wrong, and i will man up...BUT, in the letter they sent me, its my due balance ($229.00) and an "attorneys fee" of $129.00...but a few lines later, they clearly put my account has not been reviewed by any attorney at this time, and

what to do if you are being ripped off by a collection agent ?

Encore Receivable calling non stop.Can someone tell where they are located?

How soon from receiving an account from a doctors office can a collection agency seek sending it to legal process (i.e. judgment)?

Yesterday I recieved and email stating I was moving a large sum of money from my ING account to my BoA checking account which I did not authorize. Regardless of how they obtained access to my account, hacking, trojan, virus. What would be the reason for moving the money between my accounts? I obviously since then cancled the transfer and changed all my bank information. But I am still left with wondering what was trying to be accomplished?

FYI -- I tried to use this calculator and it says the the link is broken?! Thanks!

Sorry everyone, just thought of another question. When calling a PDL (mine are all storefront) is it better to call the location where the PDL originated or better to call it's corporate office? Thanks!