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Three years ago I ran my credit report in an attempt to clear up any old debt. I found a debt owed to Asset Acceptance for around $1300 from an unpaid Ameritech/SBC bill. I called Asset and requested a detailed bill stated that I would be willing to settle the debt once it was proved how they came up with the $1300 figure. I never received the documents and never heard from them again until signed a new contract with Verizon Wireless a couple weeks ago. Asset has called me several times now but I refuse to pay this debt.

I E-Mailed Bud hibbs to ask him about the fdcpa and he told me that I can't sue for FDCPA violations in small claims because it is a Federal Law. He said I can only allege state violations but I can't find anything that says what they are liable for. I am in Massachusetts.

I have a question, if someone is filing for bankruptcy and you are only an authorized user on their credit cards, when the credit cards are discharged are you in anyway responsible for repaying as an added user? Thanks, Johnita

So I got this response from 247 Advances after I sent them a Cease and Desist Letter: "The Loan Agreement, to which we have adhered to by funding the loan, detailed that your loan was subject to the Arbitration Laws of Ireland, a fact by which you confirmed your understanding and acceptance of via the online signature you made. Please note, we are not a US company, have never prescribed to be a US company and have no US presence, as such are not subject to the US laws you detail. Please refer to your copy of the Loan Agreement.

just got a couple questions. 1. how do you find out if a loan is illegal or not. 2. what does it mean if the loan is illegal. im in minnesota and have 3 loans e-payday-loan 200 paid 100 mesa financial 200 paid 130 urgent cash 200 paid 100 if anyone could help id appreciate it thanks.

Received letter from UCB. On it, it said, Client is Resurgent Capital, owner of debt was LVNV. I sent in debt validation letter to UCB with no response. Today I received letter from Resurgent Capital. Why didn't Resurgent Capital collect on this debt in the first place? Should I send in another debt validation letter to Resurgent Capital?

When a debt collection agency responds with the debt validation letter what kind of information should I be looking for?

Loan Point has called twice of course I have not answered, but both times they (Denise) have left a message that the has been a complaint filed against me. I paid them 1260.00 on a 300.00 loan. I closed my account and sent letters to them, the BBB, AG in MA & Utah and Div of Banks. What could the complaint be...I didn't pay them enough money?? The BBB did not get a response from them so they contacted them again and they have until the 23rd. I am looking for a refund should i keep ignoring the calls???

Please, I don't want anyone to get mad at me for saying this - But I feel it needs to be said. Moderators are tasked with keeping the site clean. We are supposed to edit or delete certain posts, right? I've noticed lately that there are posts being edited because of TOS violations, but the edits are making fun of the original poster. Now, sure, they are funny. But shouldn't we as moderators be held to a higher standard? I think if we want this site to become better, and gain more membership, it needs to look like a real professional place to get help.

I jut received my first paid in full letter it was from Impact Cash. On Saturday I emailed them a C7 D, ACH revocation, and Wage Assignment Revocation along with my states pdl laws and notice that I was going to be contacting th AG, and BBB. Here is their reply email I just received an hour ago: We are very sorry to hear that you have not been satisfied with your experience with Impact Cash USA. I have reviewed your account and we are willing to consider your account paid in full. We have marked your account as settled.