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I posted about this earlier but couldn't find it until today... My deceased ex-girlfriend may have opened a couple of joint credit card accounts using my name as a co-signer. GEMoneyBank is now trying to collect from me. I vaguely remember signing something for her a couple of years ago, we split up, and about a year later she passed away. I sent GEMB a letter asking for copies of the statements and the signed contract so I could tell if it was my responsibility. I received a packet of statements yesterday for ONE of the two accounts in question.

Hello Everyone...I was with Sifxpert. I didn't give him any of my money except the $500 retainer. No accounts were settled. I just settle my Citibank for 38% and one of my Chase accounts for 55%. I have at collection agencies Bank of America (united recovery systems), American Express(NCO), another Chase (just went to Mann Bracken...this one was just charged off and Chase won't take it back) and Discover (Zwicker and Associates). I haven't contacted any of these collection agencies yet.

Hi, Thanks again to everyone here who are so helpful. OK, I'm just starting debt settlement and I was just told I needed all of my unsecured debts added to my debt settlement, which I understand and I got good advice on my other post. Now to my question. At this time I'm still financing a vehicle which I'm current right now and I have it in a budget I can afford. Is having a 21,000 secured debt going to affect my settlement in regards to settling an $80,000 unsecured debt settlement?

I am filing individual and on Schedule A, I have no real property, it says to write "none" under description, do you have to write "none" all the way down the column? And on Schedule D, do you just check the box "no creditors holding secure claims" and that's it? Mine is all credit card debt, so I would be able to just check that box?

I posted a few weeks ago and one response had some acronyms that I don't understand. Part of the response is as follows. "Unfortunately, it is very doubtful that the OP will receive an original signed credit app from a JDB if GE no longer owns the account. Do you know if GEMB still owns the account? If so, and if you have disputed with the CRA's and they verified..." I think CRA is Credit Reporting Agency. What is OP and JDB?

James Lombardo closed his forum today. Need to collect as much information from past and current clients as possible for Civil and Criminal actions against this crook. He has scammed hundreds of thousands of dollars from unsuspected clients. Most of you don't even know yet that you have been ripped off. Basically, all of the money that he has taken from your accounts this past 3 or 4 months to retire your debt was never sent to the credit card companies but diverted to his accounts so please check your credit reports or contact your creditors to make sure they were paid.

I know it's hard to suggest the best debt settlement compnay but I'm lost. So many company's sounf "too good to be true" I live in Ohio, and have about $12,000 in debt all credit cards. I tried this about 9 years ago and ended up filing bankrupcy. I need help before I fall behind again.

On my Experian report I have a charge off from Spiegel (CPC). Ex has it listed 2 times. The main difference is that one lists the charge off and the 2nd does not. Also under account history the number of days late are totally different from one another??? The contact address from Spiegel is the same on both.. Is this normal??

Get-out-of payday loan help forum: Just wanted to report this???

I think this stands for American Arbitration Group. I asked for validation and she said that they don't have to supply it because I know about the debt. I tried to find out the original amount and told her that PDL's were illegal in North Carolina and she got real ugly and told me "that I knew that when I took out the loan 2 years ago so it needed to be paid. The also rattled off something about check systems - what is that?