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I know we have experts from banking, payday loan, settlement and various other sectors. I request all of us to try our hands on expert article section. Pick up a topic that you feel is important for a new visitor to know, write it in an educative way (I will help in arranging it). http://www.debtconsolidationcare.com/experts/index.html Sometimes many miles are not covered because we hesitate in taking the first step. Don't worry, just give it a try.

Due to PDLS, I am currently 1 month past due on all credit cards. I understand this hurts my credit, but that's not the issue now. I HAVE to pay these PDLS off, as they are causing MAJOR issues for my life. If I skip my credit card payments for at least another month - 2 months, I can pay them off. Here's my question...What will I be facing with the credit cards after being that far past due? Will really need to payoff these PDLS. Do Credit card company's garnish wages??? Thanks I just have to get this figured out. Reny

Even though it was more of an FYI letter, I now have a file number on my complaint and it has been forwarded to the Bureau of Consumer Fraud and Protection Unit at the AG's Office. At least now I have a number, name and address to which I can send my additional information, as it comes in. One small step in the bigger scheme of things I guess. I'll now wait for further investigation results. In the meantime, I am working on a different avenue which I hope will help in the endeavors to getting these slugs out of the business of illegally lending money. Keepy ya posted.

I have an open loan with them and sent them a letter proposing I pay them in 4 payments rather than 1 lump sum. Their response was they were going to garnish my wages at work to get the money back. I know they are illegal...how can I stop them from doing it?

Basically, he isn't interested in taking any of my cases, without payment, of course. He said that he's sure there are several violations in my pile of debts, but he wasn't interested. Anyway, he told me something interesting yesterday. He said that a collection agency who is representing the original creditor doesn't have to provide very much in the way of validation. He stated that all a collection agency would need to do which would make it a legal validation, is to call the original creditor and ask if the debt is valid, then report back to the debtor, and that would be sufficient.

Hello, we are new to the forum and are hoping to get help. My boyfriend and I are planning to get married, but first we want to catch up on his debts. We have lots of questions about where to start, so we apologize for such a long post. He has about $15000 in debt. Most of which is in collection, but a few are still with the original creditor. Most of the debt is Medical and Auto Loan/Lease related. In addition, there are some credit card, utilities, public transit and parking fines, all in collection. We already have a plan to pay this off by the end of 2009.

I am currently working on cleaning up my credit and have trouble putting together letters. I need a sample of a letter asking my creditors for my current debt amount(s). Could you please assist? Thanks so much!

This is about the illigal company called Capitol revovery associates. The have called me on several accasions demeanding that I send then an amount that i cannot pay, and have money to feed my family. They never ever send anyt6hing in the mail. They just want me to give them my banking info. i lied and told them I had none, then they said well then do you have a family memeber's banking info I said NO, they even asked me to get a friends banking info. i was like yeah right. THEM to top it all off they called agian and my husband answered and they told him everythinjg about what i owe and all.

Got a message from someone claiming to be a private investigator named Brian Williams - he wanted a call-back to 866-367-3057, yet my Caller-Id read Unknown 000-000-0000. Anybody heard of "Brian the P.I."? or 866-367-3057? I figure it's a collector, just wondering which slimy company he's with.

no a lot credit is 6500