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When I called all of my legal PDL companies to try and work out an extended payment plan.. they told me that my best option would be to wait until they actually go into the collections dept and they will be more flexible with the payments. Does this sound right? They said the couldn't offer an extended payment plan and that I couldn't send money orders to them directly only after it has gone to the collections dept. Thanks!

someone at is company took $120 out of my bank account and someone needs to put it back in my account are i will have to get a lawer. i had to pay bills, but i cannt pay my bills know. that money better be in my account in 48hrs.

Can anyone tell me if GECC Cash Direct is legal or illegal? Thanks!

Could someone please provide me with an updated mailing address for MTE. Thanks!!!

Has anyone heard of MMI as a CA? I have alot of debt, and creditors sometimes call my office. I answer the phones, and just had a "Kelly with MMI" asking for "the owner". When I said, "I'm the office manager, may I be of assistance?", she asked again for the owner. When I said he was not available, so hung up. That call had Collection Agency written all over it! I did try dialing *69 to get the phone number 866-370-8208, but the number was "private".

Currently my car is in repo status, but I haven't turned the car over for repossession. I was told by the credit company how much to pay to have the car taken out of repo status, then another agent stated that the payment previously stated could not be waited upon for me to pay that the total outstanding balance would have to be paid. I have intentions to have the outstanding balance paid in full within 14 days, which will bring my account status in regards to my balance owed as current.

I got a tax id for my wife and we goot divorced, she got 2 credit cards under that tax id i am afraid that she will max them out and don't pay them how will that affect me ??? Please help

Hello all.... Thanks so much to everyone, this website has been a blessing! I like many are swimming in debt. I have at least 6 different accounts that I stopped making payments on, mainly in September and October 2008. Two of the accounts, my biggest two, are Citibank and Bank of America. Both accounts will charge off right around the same time. Citibank at that time will be about $28,000 and BofA $40,000. My problem is that I have used all of my "settlement savings" thus far to settle some of the other accounts.

I am very new to this. I loss my job late last year and had 3 credit cards. As a result I could not pay them. I just settled with BoA at 30% on 30k after 90 past due. However, I still have Citi for 5k and Chase for 7k. Does anyone have any info on when it is best to settle with them? I only have those 2 more and that is it for debt, I am free lol! Citi 114 days right now and offering 65 cents on the dollar but I still think its too much. They write off at 180 days so I figure I can wait until the 150 day and start calling. Is this a good idea? does anyone know what is their limit?

This lien was posted for an amount not owed. I eventually straigtened it out with FTB, but they never removed the lien. This lien has just cost me a job. How do I get this thing off of my credit report?