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Maybe someone in the collections business can help with this one. Why do credit card companies call everyday and some more than once a day if they get the same answer everytime? I am in a debt settlement program and since i am only a few months into the program, none of the creditors are getting paid yet. When the collection dept of the credit cards call, i always tell them the same thing....that i am doing a debt settlement program and that i can give them the name of my atty and their phone number. Luckily, they always seem to be taking the info down and are polite.

I postged a messages and now i see it has moved, to where? I guess I better read the rules here :)

Hi All, I am new here, I have been reading all post here for the past week and decided I might get some help and answers here. I have this internet site that I borrowed money from called "The Cash Spot" when I signed the agreement it was from "American Consumer Credit, LLC" My question is, has anyone heard of this company. I borrowed $400.00 and if i payback in full, it the total payment is $500.00, if I rollover and then I only pay a fee of $100.00 and that is not going to the principle. Now here in california, there is no fee for rollovers or extention i guess it what it is.

My bud procollect is back as a member.He had a rather bad past,but I am gonna give him the rope needed & see if he hangs himself again since this time he is a registered member.

How do I know the date of last activity from my credit report. I have 2 accounts that say they were opened on my credit report in 2007. I have not opened any cc in 4 years.

A 7yr old or more debt that i admit to making has come back to me. the first national collection bureau says that even if it is not on my credit report they will put it back up there because debt just doesn't go away. they say i have to pay it even if it is not on my report can they put it back up there.

I have Stuff on my credit report that I am unfamiliar with. How do I find out what some of these companies are in order to say that they are really mine?

I was wondering, about a year and a half ago I co-signed for a loan for a friend and she had told me that she was going to pay and so forth. She was doing good for a while till she stopped paying and so the bank contacted me and told me she had been late and if I could send anything in. I told then that I hadn't been working so I couldn't but I would try and get in contact with her. I tried to contact her for about 6 months but she would not answer my calls or my text or anything I had no way of getting a hold of her.

Last Sat. my phone rang and I looked at the number,(no name available). The area code was out of state and since my husband passed away recently and we have friends all over, I answered, the caller, who gave me a first name, asked for my husband, but used his nickname,( which he never used for legal or financial matters. My husband's last name was never spoken by this person. I told him he was not present, but I was taking care of his business. He kept insisting that he must speak to ... (nickname). Several times I asked his last name and the nature of his call.

Is there any sort of letter that I can send out asking to end all communication attempts via telephone and to ceast and desist, also asking them to send me all information about my debt so I may them by mail rather than phone. I get over a dozen calls a day also while im at work from a creditor. But yet don't see anything to me via mail. Also when they do call they don't leave a message and when they do it's either a machine or someone saying something that I can't even understand a word they are saying.