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I have a question. I am in Massachusetts and was wondering if a debt collector themselves can file a lawsuit against a consumer or if they would have to hire an attorney to do it for them. In my state they have to be a licensed debt collector. So if they are and contact a consumer and if the consumer doesn't respond in the first 30 days, what happens next? We have debt collector attorneys in this state and frankly they are worse than the debt collectors.

Hello i need help i got 6 loans out now all online lenders in united states highest fee is 60 bucks

I had a credit card, it was a very high intrest rate. My Credit report states written off..I have a collection company (allied) attempting to collect so my husband made a payment, But my question is do I have to pay the collection agency if it has been written off? Should I ask to have it validated? It is only $600.00 but right now that is a million.. Thanks.

I've been tacking my pdls head-on for the last two weeks. So far, I've had six marked PIF. Part of my success has been due to the fact that I grossly overpaid on all of them, I had not defaulted, and the District has fairly clear cut laws about payday lending. I have four that are giving me trouble--Sagamore, Payday-Loan-Yes, Eastside Lenders and the dreaded MTE Financial Services. I've sent e-mails, faxes and filed complaints until I'm blue in the face. Does anything work with these guys?

I was gone over the holiday and I checked before I left to read the Nov. answers for the question of the month and they were still taking answers. Today I check and there is a new question. I looked at the past questions and it only showes the winner for Oct. Nothing for Nov. What happened?? What and when did I miss it??? Anybody know???

ABC Debt Relief Scam: I just spoke with a guy at ABC debt solution (fastdebtsoultion.net)and he said he can lower my 60,000 of credit card debt down to 24,000 with their fee being 9,000. So basically I am reducing my debt to about half for $687 a month. This sounds great to me and I want to move forward, but everyone has failure stories and I am hoping no one has failed with them. Please advise...

After receiving free copies of my credit report, I sent several disputes to the three bureaus, referencing the report number, account numbers, etc. TransUnion and Equifax removed a few of the negative items, but Experian wrote back that they were unable to honor my request because I did not provide sufficient identification. They requested proof of my SS number, copy of government issued ID, and a copy of a utility bill, bank or insurance statement. Should I send in the proof of ID, or is there some other response I should take?

I just want to say thanks to all the moderators and others on this forum for their help. I successfully rehabbed my student loans and now they are back in good standing! IT CAN BE DONE FOLKS SO DON'T GET DISCOURAGED! Now onto my question: I now have a payment of $240 a month for 63 payments (5 years +), I can pay more to resolve the loan faster, but should I? and if yes, how? Send a second payment and ask to apply it to the principal?? Paying $300 month?? Thanks again!

Hello, my name is Stephanie, and my husband and I are victims (if you can call it that) of the Hess Kennedy fiasco. (I posted as StephanieS below, and then created an account) About two years ago, my husband (fiance at the time) entered into a debt settlement program with Hess Kennedy. We were only 12 months away from completing the program when they closed their doors. We have to wait until at least april to get our money back, if we even get it all. We have additional debt in my name, which wasn't included at the time because I had good credit.

I am receiving phone calls from this office very rude and I am at work I have not been at my desk and they are leaving messages with everybody else at my job telling me to call back asap or legal action to be taken. It was for a Tribute card that I received a notice charged off. They will get me in trouble at work any suggestions plus everybody else knowing my business.