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After receiving several phone calls, I sent a DV request to Allied Data Corp. I mailed it certified return receipt, and it was signed for April 30th. Before the DV, the person stated they were collecting for a Macy's account. I tried contacting Macys, they state they no longer own the account, and could not tell me who did. So my DV has been sent, and it has passed the 30 days. I have not heard anything from them. There is no entry on my credit report from them. There IS an entry by Macys, with a status of Colldvection/Chargeoff. Now what? Should I send a second DV, or leave it be?

Hi all I posted here before asking for the physical address for 247advnaces.com. I was given the address (thanks!) and was told to ask 247advances to confirm this. Well I asked 247advances to confirm the UT address and this was there response: "That is not our address, we are currently investigating why that address is showing as linked to us. We are a non-US company with no US presence and therefore no US address. Regards, Customer Services " I replied by asking them for their physical "non US" address and have not gotten a response yet.

OK...need you experts guidance on this! First, some background. Had an electric utility account via Con Ed. Unknowingly, my bill was calculated each month via an "estimated reading". At the end of the year, they did an actual reading, and charged me another $500 on top of already being behind a few hundred. Then, I lost my job, however Con Ed had worked out a payment agreement with me. My apartment building was sold, and I was forced to move. So I never paid Con Ed off. Eventually, it was turned over to NCO Financial Systems. I never responded to them I received maybe two letters.

Well, this is a long story but i will try to make this breif i currently work for a pdl comp i have for a yr and a half now. Anyway i took out a loan with ace cash express. I had a really good payment history with them and then on my last loan i got i got it to help out a friend which of course was not able to pay me back, so i wasnt able to pay it. Well when they kept calling they kept wanting the total they didnt want to set up arrangements so i just never paid.

In a Bankruptcy, does anyone know what happens to property that is owned jointly with someone else? My husband and I are currently trying to avoid BK, but it may end up that we have no choice. I own some family property jointly with my brother. I live in California, and the joint property is in Utah.

First of all let me start off by expressing how sorry I am that this post is long. She has alot of medical debt between her and children, right now her wages are being garnished for a $3,500.00 medical bill and they are taking $205.00 out of her check every two weeks. She wants to file bk and we spoke to an attorney on wednesday and she would charge her $1,200 for a chapter 7 and $350.00 for chapter 13. Well the way I look at is this: #1 She isn't planning on buying a house or a new car for awhile.

As some of you know I have been working on my PDL's with the wonderful help I have received here. Well today I received a response to my letter from ACC/American Consumer Credit, here is what they said. I have received your letter regarding your loan with American Consumer Credit and after reviewing your account I am willing to refund you $472.50, but I need you to call me in order to confirm that your account number that the ach will go to.

In 7/3/2007 I took out a loan with Apple Fast Cash. The loan amount was for 300 I made 6 payments. The payment amounts varied 1-61.14 2-67.20 3-92.20 4-81.20 5-79.90 6-71.91 Only a very small percentage went towards principal which the company has yet to provide me with a statement to explain in detail. I tried to make payment arrangements to get my account settled and they declined so I closed my checking in October of 2007. They referred me to a collection agency and stated that my balance was $706.37.

I have a question- please help! I am in Texas and am currently past due 90 days on a credit card- received call from collection agency last week and if I didn't pay $4400 then I would be sued. Of course this completely shocked me and I stupidly gave them our checking account info to debit out 1/2 of the balance. After calling my husband we decided to close out our checking account so that no money could be drafted.

guys do not use them i have paid them over 1500.00 in 2 months and they have yet to pay any of my pld's. they promised me to have me just pay what i borrowed. i was told by the pdl's i had that they have not received anything or got any payments. pld assistance has not called me back. i left them 10 messages already. what can i do to get my money back. do not use them guys they will take your money from you too. they are theifes, beware. now not only do i not have the 1500.00 but i can't pay any off the bills and they keep calling me. pdl has not sent them any paper work either.