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when you go to court and get the bankruptcy done. not the 341 meeting, the other meeting in bankruptcy court.

Hi, As a response to my Validaton letter, Unifund (collection Agency) sent me the last credit card statement from 5/2004 showing the charged off amount of 8k. Unifund's letter states " has been accruing interest since it was charged off on 5/31/2004", "the account has an original balance of 8,165 and its current balance is 20,599.19" I want to negotiate a settlement from the 8k, not the 20k. I understand that when they buy a charged off account they can't continue to charge fees. What should my next communication be? and what should I request in my settlement?

i wish i had checked out arrowhead investment . now ia mpaying fees on top of fees . how can i find ouy if the are allowed to operater in my state ny ?

I would like to know how to stop creditors from calling my place of employment. Ann

From the main page, the link to the income forum is not working.

Whenever I try to reply to a thread it says my username is already taken. Do I have to be loggin in to reply? The only way I'm able to post is on the Ask the Community box???

How do I post a reply to my thread, "I'm in a PDL nightmare"?. I've tried reply & quick reply but it won't work.

:x Does anyone have direct contact information as a mailing address for this company. They refuse to tell me where they are located and to deal with me in writing, now they are claiming that instead of the $652.50 I owe them for this account I now owe them over $900.00.

Came across this in another forum and that I'd pass it along: FICO revealed -------------------------------------------------------------------------------- Here is a copy of the risk factor list used to determine a FICO score using the Beacon, Empirica, and FICO II models along with their weighting.