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How do I find the date that starts the statue of limitations from credit card debt ? Is it on my credit report ?

I receive a letter from a CA which had my name but the wrong address, so much for small towns. should I use a PO box when mailing the DV letter. what happens if the CA is not bonded to collect in Texas?

I sent a certified letter to Trauner, Cohen and Thomas (Lawfirm) asking for explanation of the debt they said I owe, as well as, request of no further phone contact. I specifically said "Finally, I am requesting that all future communication be through the mail. Please do not contact me on the phone any further." They have called me 3 times since they received the certified letter, which I have the signed copy. They've left 2 voicemails and sent me one text. Who can I talk to about supporting me with counter suing?

I live in MS and I have 5 internet paydayloans. I need to know if it is legal for them to constantly debit my account. My account is $1,000 plus in the negative . Netcash usa $500 loan paid $750 ameriloan $300 loan paid $270 LoanPoint usa $400 loan paid $120 They say bal is $600 United Cash loan $300 Bal. $600 paid 0 money and more $255 loan bal. $325

:?: After speaking to our attorney, he advised my husband and I to switch our banks (Wells Fargo) as one of our debts in the BK petition was for a credit card issued by the bank. He warned us that there may be some wording in their terms of service (checking acct) that states they may come into our acct and take monies out to pay for outstanding debts owed to them, our attorney has seen it b4 and wanted us to be safe. We decided to switch over to Wamu, before their fiasco. Now I hear that they are being bought out by JP Morgan Chase.

So I am considering closing my current checking account with Bank of America and opening a new one also with B of A in order to help get control of my Payday Loan Situation. My question is if I close it now and my 9 payday loans hit the account on 9/30/08 will it be reopened and will I get killed with NSF fees. Has anyone done anything similar with Bank of America. I am thinking it may be better just to pay the interest as planned and use this next month to properly fight these loans Thanks

I filed for Chapter 13 this week. They told me that I would have to pay about 850$ a month. I'm worried this might get me right back into trouble. Is there a way I can lower this amount after this was filed? They also told me I was lucky that my car payment was part of this now. Is this right? Thanks, Will

I started with these poeple back in august of last year.I paid About $630 up front and they been taking out $112 a month from my checking acount up until august.I thought this would a program to help me settle my debts cheaper and better.I got bad advice frome their reps back in november.I recieve letter from discover card saying to call them to work something out with them or i can end up being sued well these people kept telling me no i will not get sued they just trying o scare me.this past january i get papers fromtheir lawyers.i had no choice put to start paying this ever month.Meanwhile

I posted awhile ago about the fact that I had/have MANY MANY outstanding payday loans. Obviously I was way in over my head. Long story short, closed account and am slowly working at ridding myself of these HORRIBLE things.

I just got a two settlement offers from two different collection agencies (Prime and Alliance) representing Wells Fargo. One was for 38% of 11,766 and the other $1000 on $2250 or about 44%. Neither say they can do anything about my credit score and will only show a settlement letter with the wording" our client will accept a settlement in full for the following amoung $______." I have argued and argued with them and they will not budge.