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they are located in utah I think. I have 300.00 with them I need to know if they are legal or illegal anyone know

I have found myself getting deeper & deeper in debt. It all started when I got laid off from my job and starting to look for another job. Not being successful, I started my own business and that is when my whole life came crashing in. I am currently $20,000 in debt to my neck and don't know what to do. The small monthly payments are not enough and I am afraid of losing everything I worked so hard for ? I urgently need help, It has taken a toll on me. How can DebtCC help living in St. Maarten Netherlands Antilles ?

Hi all; I'm over 90 days late with AmEx. They have been trying to get me to commit to a hardship program for a few weeks. The balance is right around $3500. Their offer was 6 months at 0% interest, then 6 months at 9%, with a payment due each month of $70. Just yesterday a rep told me that I would have until today to decide, and then the offer would not be available. Today I called back (I decided I would take the offer to allow me some more time to save for a settlement deal) and they said sorry no deal.......AND that my account was now with an outside collection agency.

My daughter just turned 18 and we checked her credit reports because she got a letter from one of her employers saying their payroll dept had an employee take SSN's, etc. and to check their credit. Well, it appears that she had a Capital One card opened (not by her). We found out it's her aunt (on her dad's side, who lived with us for about a year). She had gotten this in my daughter's name and maxed it out, paid a little on it, but then let it go. We don't want her to go to jail for it, so we don't want to press charges, but how do we go about disputing this?

We just got a new phone number through our cable company and this strange number keeps calling on our caller ID (we don't answer numbers we don't know) It says Northampton PA (610) 440-3516. They never left a message, except one time it must have went through and there was a silence followed by a click like a telemarkter or collector and a woman asked to speak to a Lisa, then hung up. I tried reverse lookup and all it tells me is that the number is from Northampton, PA.

02/21/2009 I got a strange half of a computer generated voice mail at home the other day that went something like this "becuase we think it was accessed by a third party, please press one to be connected with our security department". No number was given to call, and the caller ID was "out of area". That was it. The reason I think it has something to do with my Federal Refund is beaucase it has been 15 days today since I had my taxes done at HR Block and had it direct deposited into my checking account, at least that is where I thought it was going.

Hello. I've never posted here before so any help will be greatly appreciated. I received a summons letter from a GA law firm in Oct for a Citibank Visa (?) that I incurred back in ’94. I wasn’t working when the letter was delivered and contacted their office to make them aware of this b/c I was too afraid of what may happen if I didn’t contact them at all. Now that I have gone back to work, can they garnish my wages?? I also noticed that the debt has changed hands many times since and where the original debt was for $896 (card limit $900), it is now at $3552.20.

Is that 5 business days from first call or 5 days from first call ? and if they dont send what do you do ?

I got a $600.00 payday loan in December. I don't dispute I owe it. My life has gone steadily downhill since that time, and I had to close my checking account and start over. I contacted a company called PDL Assistance to help me with my many payday loans. I sent a "financial distress" letter to Nationwide. SOMEHOW they managed to get my new account number, which was at a different bank, and withdraw $1100.00 all at once. I am broke now, and distressed.

I got a $600.00 payday loan in December. I don't dispute I owe it. My life has gone steadily downhill since that time, and I had to close my checking account and start over. I contacted a company called PDL Assistance to help me with my many payday loans. I sent a "financial distress" letter to Nationwide. SOMEHOW they managed to get my new account number, which was at a different bank, and withdraw $1100.00 all at once. I am broke now, and distressed.