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I have faxed c&d letters to original payday companies, do I have to send them to the collection agent they are with now?

My ex husband filed chapter 7. He put the debts that were his from the divorce. Now the companies are saying I am liable for them now that he is untouchable because of the chapter 7. Do I have to pay these? They are on my credit report as bad debts but they are his. I live in WI he lives in TX. Thank you for your help. PS When I called the people one my credit report they said they follow the original application and the divorce papers are not valid.

Do 1099C forms state the dollar amount forgiven, as what it was when the debt was no longer paid, or the debt, now, with fees and interest added in? Is there a time frame with an expiration, as to when a 1099 C can be sent to the IRS and consumer? It seems for credit debts 5-7 years old there wouldnt be a 1099c given.

I read some of the posts about Fred Hanna and wanted to know if there is any updated information on them. I received a notice that my credit report was accessed by them recently so I am wondering what to expect next. I have never been contacted by them previously, but I am disputing a debt with Arrow Financial and they recently told me that they were going to send it to legal if I did not just settle with them. I am guessing this is what Hanna accessed my reports for.

Hi Friends, Chat Room is back again. :D :D :D http://www.debtconsolidationcare.com/chat/ From now on you can chat with anyone you like and sort out your problems instantaneously. Have a gala time chatting and solving yours as well as problems of others. Jason :D :D :D

I am at a point in my finances that debt settlement is my only option now. I do not want to file bankruptcy. I want to try and do the debt settlement myself. Has anyone dealt with Bank of America (cred. cards) or Providian in debt settlement? Advice?

I'm paying this compay capital recovery money every month. The girl that i'm dealing with has never presented herself to me as being a ca she uses the f!!K word like it's nothing. I have emailed them and they will not respond. She tells me that they send nothing by mail. Im afraid that if i stop paying them they will take me to court. Has anyone ever delt with this company.

If I put my account on "deposit only" status, my direct deposit would still deposit into my bank account, correct? Then I can go into the bank, ask for the deposit only status to be temporarily removed and withdraw my direct deposit? Thanks in advance. I've learned so much here in the few days I've been reading the board.

I recently checked my Credit Report and noticed that Ford Motor Credit has listed my account as a charge-off. I received a letter from a Collection Agency stated that employed by FMCC to collect the balance on the account. The balance listed is incorrect. I was informed that a guy came to my house today to reposses the vehicle. Can FMMC and Kramer& Frank P.C. both collect the same debt? I'm sending a debt validation Letter to the CA tomorrow. What else do I need to do I owe them about $ 1000.

I received a call from Encore today for a debt that is not mine. They also called my brother-in-law and left a message on his phone. My credit report was linked with another person of the same name. She lives in Texas, I live in Utah. I have been getting calls periodically for about 3 years now. I contacted the credit agencies to clear this up. They said it was taked care of and that any further collections have to verify Social Security Numbers before contacting me. What do I do? I asked Encore what company they are collecting from and they told me that could not tell me. AARRGGGG.