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Hi, I received a summon, Plaintiff: Midland funding llc but original debt from Citibank. I did some research for Florida SOL and found it was 4 years, is that correct?. On my credit report it stated account charged off as bad debt on 06/2005. I have to appair in court on 03/10/2009. Does the SOL works when was the last payment made or when account was closed? If the answer is by when last payment made, how do I find out when was my last payment made to citibank?

Hello everyone! I am so glad I found this site. I live in Tennessee. I have six different PDL's--all storefronts. I signed on with PDL Assistance back in September, but have had not one shred of luck with them, so I changed bank accounts again and cancelled my contract with them. NO ONE can access my money now. Can someone help me figure out how to get out of this mess? The way they work...you write your check for $$ amount, 2 weeks later you pay back the loan, plus fee, then rewrite to get your money back...I assume each one counts as a new loan??

I'm hoping someone can help me out here ..... I have a collection debt that dates back to 2002 - it was a computer loan that was originally issued by MBNA in 2000. The account eventually wound up in the grubby little hands of Hilco Receivables (and many CAs along the way). HR started by making attempts on their own to collect the debt, but soon decided to hand it over to other 3rd party collection agencies. HR lets the beast lie dormant for 1 to 1.5 years and then, out of the blue, submits an update to the CRAs in conjunction with launching a collection effort.

Hello People, I Just joined up and am trying edit my profile but i can't see the button!! probably staring me in the face lol thanks guys

I recently received an "Income Execution" letter from the Office of the marshall from the city of New York. It states that "RAB Performance recoveries, LLC" had entered a judgemente against me.

Four days ago, I received a letter through mail from a CA and that I have 30 days to respond back through a debt validation letter. I planned on sending it soon as possible (at least early next week). Today, I gotten another letter from the same CA stating that they demand payment in full and I must respond within five days before my situation worsens. Can a CA actually do this? Thirty days is not over at all and I don't understand why they sent that letter!

I co-signed on a student loan for my brother approximately 3 years ago. He has defaulted on the loan with no intention of paying so now the Sallie Mae is coming after me. The loan started at about 37K and is now over 60K they refuse to work with me and I have been struggling to make the payment to try and salvage my already damaged credit. To make matters worse my husband has been laid off.

This isn't a funny video but I thought it was well worth posting so the members here could view it. If we as human beings would show just a tenth of the compassion this dog seemed to show, this world might just be a better place to live!

I have a $30,000 credit card debt that is fairly recent but have fallen into financial strife that does not allow me to make the minimum payments any longer. How does the age of the debt play a role in the chances for debt settlement? This is only one debt of a much larger debt all of which have been around longer. So how does age of debt affect chances of being sued and/or being settled?

Based upon a credit line decrease from Citi from information provided by Experian, I am sending Experian a letter to request that they provide me with a copy of the information given to Citi. I understand this is allowed under the FCRA, if requested within 60 days. My question is this, what information do I have to include in the letter? Name, Address & Social Security Number? Anything else? Also, should I put a copy of the letter from Citi in with my request to Experian, so they can verify the date or why I'm requesting the copy of my credit report? Or do I assume that they have this?