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i keep getting calls from(570)207-9440 &(888)864-2647.who is it?

If there is a debt showing on credit report form collection agency posted recently but the debt is couple years old is it past SOL? Can it be removed? What if there is debt showing for the same time period from Collection Agency and also from the Company that they supposedly collect for? If and how can I remove old debt from credit reports?

My husband has a school loan that is in collection agency and it is 8 years old. He is not even sure if it is his. Should this drop from his report or does he have to pay it. He also got a later stating that he his car was uninsured in Maryland for a year or so and he owes state $7000 (totally crazy) what can be done about that. His credit is so bad but all of this is 7-10 years old. Now he cannot even get $500 secure credit card. We need help.

My 3rd payday loan with this company was for $300 with a fee of $90. I live in California and this seems to be in excess of the loan amount and the fees. They also offer to rollover the loan each month, for 4 months....then I have to reduce by $50 each month... if I only pay the $90. Is this legal? Any help would be appreciated.

Hi folks, Here's my situation. I'm self employed and have around $28,000 in unsecured debt. I'm current (as of today) on all my cards and the highest rate I pay is around 13%. My vehicles are paid for, and I have no assets to speak of. Normally I bring in enough $$$ to pay double the minimum payment. Although lately, business has been so bad that I've almost burned through all my savings just to make the MINIMUM payments. I have to assume that I will soon be out of $$$ and have to default on my debts. So what should I do?

LVNV Funding is sueing me for 5 year old defaulted Sears credit card. I know the debt is mine, and am willing/able to pay it, but have two concerns. 1- This card originally had a balance of $800. The lawsuit is requesting about $2,000. Is it feasible for me to request they settle for $1,000? Will they just turn me down and wait for a court date to try to get more? (I'm unemployed/ laid off, so I'm not sure if that would help me in negotiating) 2- I've read lots and lots about LVNV and the lawyers they use. What's the best way for me to take care of this?

i have about $2,000 to pay off with 2 credit cards who can i go to so i pay only one payment im get to the point were i dont want to pay them couse i got so many bills

Hello; I am totally stressed out with Citibank. I have over $27K in credit card debt with them. I am a little over 90 days past due. They are putting the pressure on me to sign up for their hardship program... or as one of their reps told me today - my account is heading for litigation. I have done my homework on debt settlement, and have stayed in contact with them. I just thought I would have more time before worrying about a lawsuit.

I have several loans - I live in CA and I want to know how to find out which companies are legal or not in my state. I'm going to have to close my checking account which sucks but it is my own fault for getting into this mess. Thank you all - what a great site!

I defaulted on my student loans, called the collection agency today and they said that they will set me up with the rehab plan. question is, my wages aren't being garnished and they didn't say anything to me about taking my taxes...do you think I will still receive my refund? Thanks...trying to get on the straight and narrow!