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How can I write a letter to a creditor who has transferred my account to another lender but credit report still lists them as account holder?

I have nearly $10,000 dollars in credit card debt and an average interest rate of 29%. I'm working two jobs at the moment and paying all I can each month, but with interest being so high my balances aren't receding. I'm going to grad school soon and need to get my debts under control before I go back to zero income. I have spoken with debt reduction Services and they seem legitimate, have a good reputation with the BBB, etc., but they say it will take 45 months to pay off my debts. I'm concerned about being unable to obtain any credit for the four years it takes me to pay off my current debt.

i have a unpaid bill to my last school of 10K and i want to get a loan to pay them....im in the process of moving to missouri so im probably going to be unemployed for like a month... i want to know what or how much help i can get?

OMG, I can't believe it I finally got my stimulus payment today!!!!!!!!!! :lol: :lol: :lol:

companies you have the loans with and whether it is a store front operation or an internet operation. Hey, please help me. I have loans with Cash Advance 350(store), US Fastcash300(internet), United cash loans300(internet), Cmg group200(internet) 3 can't keep track of how much I've actually paid. Arkansas

is cccsinc a good company to use

Ok since last Friday July 25, I have faxed 3 times, sent 2 faxes, and letters to both these companies revoking ACH and wage assigments...I got automated receipts in my email that my letter was received and would be reviewed within 24 hrs. Now I am getting emails saying I need to contact them because I have not and i have missed payments with their company. Why wont they bother to write me back??? Should I call them..I really dont feel like calling and being harassed

I have a loan with Ace Cash. I dealt with them once before when I could not make a payment and they were horrible. Like a dummy, I ended up giving in to them, went and paid it off and took it right back out again. I have just had surgery this week and there is no way I can get over there to pay this. Plus, I really do not have the money right now. The gal at the store told me she could not hold my check. I know these people are going to be nasty.

Leaning toward debt settlement. A question regarding FICO score and dropping/raising: *Auto loans paid off in November. I am a joint account holder. *Will continue to pay on joint credit cards and not put them into settlement (only my personal ones). Will either of these things help offset the damage my settlement will do? (I know some of you told me to put all our cards into settlement if I go that route but I don't want to damage both our scores. I can continue to pay down the other ones.

In 2005 as an undergrad, i got a payday loan. I paid the extension fees for about 3 months and i was unable to pay any further because of financial problems. They try to take the extension payments several time that it landed me in debt of about $1200. The bank to me to collection and i got the debt down to $510. I called the collection agency and they refuse for me to pay a smaller amount in full, this way my account can be closed. I recieved a letter from the Marion county small claims that i am being sued. Now in this case what is the best thing i can do?