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There seem to be tons of choices out there for credit reports. Experien, Equifax, freecreditreport.com...? What are the differences? Why should I pay for one instead of using the free ones?

So, there isn't going to be any having the case dismissed because of the wrong court. The Clerk told me that I could bring my answers with me in the morning along with my Motion for Discovery. I contacted a consumer lawyer at the sight that Bud sent me to. She said that I didn't have to admit to anything in court unless they have the statements on the account and the original credit card contract that I signed with them.

Capitol One finally followed through on their threats to sue me;I received a summons and must appear in court tomorrow. There's no way I can give them any money - we're behind on house payments, vehicle payments, you name it, we're behind on it. So, I guess my question is: What do I need to take with me? Do I have to prove to them that I don't have any money or do I just let them think I'm a liar (they've called me that on the phone before)? I've never been to court before, so I really don't know how this works.

Does anyone have any success (or failure!) stories they'd like to share regarding winning filed lawsuits against collection agencies who have violated the FCRA/FDCPA? I am not just talking about those who have sent Intent To Serve letters in order to scare them into it, I'm talking about those who have actually gone to court because the Collection Agency wouldn't admit any wrong- doing. Thank you!

I have been paying Ameriloan back forever, they are willing to settle with the better business bureau this is their response On January 06, 2009, the business provided the following information: January 6, 2009 Better Business Bureau of Eastern Oklahoma Re: Case # We have reviewed this account, and all terms and conditions were met. As a courtesy we will write off the remaining balance on this account. Ms.xxxxx will be ineligible to do business with us again. Thank you for your time and consideration in this matter.

I have been working with Cash Transfer Center this is the email I recieved from them We are in receipt of your certified letter dated December 22nd, 2008. Please be advised that we have ceased all collection activities and all communication by telephone while this account is under investigation. If you take a moment to review your attached loan agreement, you will see that Northway Financial is licensed by the government of Malta as a financial institution and the law of Malta, not the state of Nebraska, applies to its terms.

Congratulations to mobile0311 and FloridaRon, our newest Debt Samaritans. Both are valued members of the forum and thier advice has been helpful to many. Please join me in congratulating them on thier achievement!

Can GhS debt solutions really cut my credit card debt in half? Is this company legitimate.

Well I messed up. I had an EPP with CheckSmart. I had made two payments but then Christmas came and I just did not have the money. They deposited the original check I wrote for the full amount. I have overdraft protection on my account so the bank paid the check but now I am $377 in the hole. I don’t have the money to pay for the rent check I mailed yesterday. I am going to have to call my landlord and have him hold the check for two weeks until I get paid again. At least that loan is paid now but I am really down. It seemed I was just crawling out.

last month i made a partal payment on aan Auto Loan by the end of the month the bank was calling me demanding full payment yesterday i got a letter in the mail stating that if i didnt pay in full with in 5 dayd they would take action to protect thier intrest, is this legal do i have rights