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Hi everyone, I'm new here but so glad I found this forum. I recently fell a little behind with bills and have made payment arrangements with my circuit city credit card yet they still call my work on a daily basis and they are starting to really frown on me getting these calls. Could someone please post a sample of a letter I can send to make them stop harassing me at work when I have payment arrangements made.

From: "Internal Revenue Service" Add Mobile Alert Subject: Tax refound (XXXXXXXXX) $620.50 It says: You have Get a Tax Refund on your VISA or MasterCard Complet the Formular And get your tax Refund (Your refund Amount Is $620.50) Then there is a link labeled Complect Formular This is word for word :o

I am in a pretty good mood today...the weather is nice, my mom is home from the hospital, got my simulas check, lost 2 pounds last week from weight watchers, so feeling pretty good. Hope it continues through the weekend. On that note, [size=7][color=DarkRed]HOPING THAT EVERYONE HAS A WONDERFUL AND BLESSED WEEKEND!!!!!! LUV YOU GUYS!!!!! [/color][/size] :rose: :rose: :hug: :rose: :rose:

Hello all. Please forgive if I am repeating questions from others previous posts, but I have a few and figured I could get them all out at once -- here's my situation... I was in a bad way with the payday loans a few years back and have been paid in full on all of them for the last 3 years, closed that bank account and changed banks altogether. Paid in full, or so I thought... This morning when checking my bank account online, I saw an ACH debit today from Geneva Roth Ventures for $340.

Hi, my account is $2,000 overdrawn because they refused to close it when it was well in the range for being paid off. I got a letter from them stating that we know you are aware of your overdraft, and if you don't pay in 10 days we will close the account and report you to the CRA's. I had asked them to close it a long time ago and this is thanks I get. I am grateful that they will finally close it but report me.

If a debt collector is required to be licensed in a state to collect debt and fails to get licensed but still runs their business anyway. Is that illegal? Also seeing as they where not licensed to collect debt, does that mean that if they sue you in court, could you have it thrown out based on those terms? They where never legally able to collect debts so I feel it is their own fault and are not entitled to collect on a debt they have no right to purchase or collect on.

Where do i get a sample of a pdl letter to send to the pdl companies for being unlicensed in my state and doing illegal practices like rollover fees, and interest fees?

My bank account is negative almost 1500$ because of pay day loans, and other automatic bills coming thru that i wasnt able to stop in time. Also due to the overdraft fees im being charged because of it and they are charging me $8 a day that the account remains negative. They will not let me close it until the balance is $0. what should i do? will they eventually close my account automatically? I live in ohio, the bank is US bank.

Hi, i have 3 store front loans with checksmart for $600 plus the fee of 87.50, express payroll advance for $550 plus the fee of 81.50, and always payday for $500 plus the fee of $75. all three are in default/have been returned by my bank. my bank account is now 0ver $1000 negative and i cannot close my accnt until the balance has been paid.

Thanks to you JCEMT and the links you have in your signature I did some investigating of the signature on the small claims court summons I received. The signature is supposed to be from the attorney of the debt collector. I looked up UCC and corp. filings and the signature is not even close. So I then looked up the signature of the debt collector and they are in the same office. His signature is almost spot on and also he dated one of his corporation filings in 2007. The court summons is dated 2007. Both of these dates have a line threw the 7.