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Is it worth my time, and do I even have a chance to win a case against a CA in small claims court for violating the fdcpa? It's a very insignificant amount that I owe, but it's the principal of it, for me. I requested debt validation and was within the 30 day window the laws provides, I have a signed green receipt showing they received the letter. It's been over 2 months now, and the only correspondence I have received from them is a settlement offer. That settlement offer is another violation, is it not? As they were attempting to collect AGAIN after they received the validation letter.

Hi I hav a debt with american express on 2 accounts in the $40,000 range, i want to know who is the best company out there that can help me settle this debt with american express i am in ny and need to take care of this ASAP they are killing me

my auto loan is in default, the interest is to high, the monthly payment is over 400 dollars, did anyone ever used the sample letters provided on this site in order to get a better interest rate? I need keep my car, thank you all..MFS

I'm going to send a debt validation letter to Asset Acceptance. The letter that they send has my madian name and the address is spelled wrong. Do I correct that information or do I put exactly the way it's stated?

I am a little unclear on this. Can a collection agency place an item on your credit report before they contact you and before it is validated? For example...a person is contacted in July regarding a debt, a validation letter is sent, the item appears on a credit report in October, but validation is not received until December?

I am looking at getting an apartment some time in the near future. Of course my credit is toast. I've been in a dmp for 6 months now and i'm working hard at getting it better, my student loans just became current again, etc. Anyway does anyone have any advice on what I can do to better my chances of getting an apartment?

When they state we go by their states law what do we say back to them? Is there something that is a law that can be copied and sent? Also since when is edollarsdirect governed out of NEVIS. I thought they were in Nevada.

Can I negotiate with my creditors the way a debt counselor would? I have read that using a service like this does not show favorably and even after paying the debts it may be almost impossible that others will extend you credit, it that true?

Hi there, A few months ago in December I received a bill for a credit card I paid back in 2003 from midland credit management. So I sent them this letter that I sampled from this site: Quote:

Dear Sir/Madam, This letter is being sent to you in response to a notice sent to me on November 27, 2007 in regards to Acoount #*****.   A bit confused... anonymous 18 years ago Hi, I am a bit confused about my loan. It was originally taken out thru Key Bank. However, I can either pay them or Great Lakes? Whn I pay thru Key Bank it takes forever for the funds to clear..at least a week or more. What does the change signify?? Also, when I talked to Key Bank last week..he mentioned the term "charged off"..what does this mean? I am way behind but am still paying them some each month..does he mean default?