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I recieved a phone call from a company named Sim associates something about a pre-litigation. Has anyone every hear of this company?

afni, Inc. contacted me about an alleged debt supposedly owed to a now-bankrupt cellphone company over a month ago. I responded promptly and requested validation. They sent a copy of an invoice from a single month of service. I responded by asserting that they had failed to validate the debt, and that contacting me again without enclosing a copy of a contract with the original creditor with my signature, along with bills for every single month of service, would be in direct violation of the fdcpa.

Hello all... So the election is over and my wife and I have started getting used to not ignoring the telephone between the hours of 6:00 PM and 8:30 PM again.

hi, i live in arizona. currently have 4 internet loans cashnetusa, 500, fee 62 paydayone 500, fee 72 cashadvancenetwork, 400, fee 120 paychecktoday, 900, fee 270 i have already set up a new bank account and changed my direct deposit, so far i am current on all the loans but come payday 11/21/08 things will go crazy. i want to be prepared and have everything in place when everything goes down. please any advice is appriciated. thanks

Jas anyone had any luck with ABC debt relief out of Dallas

My husband and I are at a crossroads and don't know which path to take! I'm sooo glad we found this forum! First, a little history. We actually have really good credit (too much credit) and have tried to make reasonable decisions about using it. Our problems started about 5 years ago when we used the profit from selling our home to move to another state and start a business. End result? We lived off of our savings and dug ourselves a big hole of debt before we gave up on the business.

Is anyone else trying to get a refund from this company? They owe me over $1000.00 in fees over the principle. They said that my account is under review but they will not discuss the refund with me further. I told them I was filing a complaint with The Ohio Attorney General, FTC and The US Attorney General. (I also filed one today with the BBB.) They still will not respond. They took out the remainder of my balance as they said they would.

I recently made a settlement offer w/an older collection account still well w/in the sol. The balance was $1237, I settled the account for $638 (and they forgave $599, to keep me just under the $ amount which triggers mandatory reporting to the IRS). I checked my credit report and it still shows a $599 balance w/$599 past due. Isn't my report supposed to report $0 balance/$0 past due, and indicate "settled collection account" or something along those lines?

Do you have to be late on your bills to be eligible to file Chapter 7?

My husband and I have been in the PDL Trap for over 4 years.