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I visit http://www.webmasterworld.com sometimes and tedster (the mod) is very impressive, recently he created a section called Google hot topics under http://www.webmasterworld.com/google/ forum. I was able to recommend it to many as a starting point. Do you see the hot topic thread? Whats you opinion about it? Will it be useful for DebtCC too? Thanks - Vikas

How about clubbing 1) Dealing with collection agencies & Creditors and collection agency database Thanks - Vikas

I am filling an answer to a summons for an old CC debt where the sol expired. I am very confident that I will win with the affirmative denfense that the sol has expired. However, the summons includes the option to file a conterclaim/crossclaim along with the answer. I want to take full advantage of the counterclaim option because I feel the attorney representing the collection agency has violated my rights. My issues with him are: 1. His agents have called me as early as 6AM in the morning and as late as 11PM. I'm pretty sure they can't call before 8AM or after 9PM.

I have various people including credit cards which I wish to pay off hopefully if I can get them to reduce the amounts owed, therefore I need some help on sample letters

I don't know which camcorder will be good for our community members so that we can create good educational videos for different sections (like kids, bankruptcy, settlement procedure and so on). I looked at http://www.amazon.com/review/product/B000ONFQ2K/ref=cm_cr_pr_redirect#customerReviews but I am not sure if that is good. Web offers a lot of stuffs, I wish I had time to visit some of these shops and try it myself. Need you help in deciding one. Thanks - Vikas

Hi, I am writing my counterclaim and request for a transfer to a regular civil docket. Is there any information I should not say in the letter? Should I be very specific of the violations? I typed up 2 pages so far and I have about 3 more to go. I have them on fraudulent documents, not sending a initial communications notice with disclaimer. First contact was manufactured documents 30 days later was a lawsuit. They never verified the original account with my credit report and put their own account number and name. The list goes on and on. I also feel I have them for extortion and slander.

Does wamu allow accounts to be forced open?

I am confused by this topic. I know that open accounts are for credit cards. What about a charge card? Such as a sears card that can only be used at sears, or a best buy card that can only be used at best buy. Would this fall under the UCC codes or under consumer protection? I am confused on the term oral or written contract. Credit and store charge cards don't fall under this category, do they? If it helps, I live in Massachusetts and would like to know the SOL on a Best Buy charge card.

Hi, I am new to the group and need some help. I took out a payday loan in the amount of $250. The total that payday one is charging me is $293. I was under the impression I could make payments, but I found out this weekend I cannot. I called in and also emailed to make arrangements. I was told they would extend my payment until 4/22. I won't have $293 and have told them I will have insufficient funds in my account. I am very scared and would like to know if there is a way I can work something out with them. Thank you. I live in California

Just received my settlement check ($5.35) for the class action suit against Eskanos and Alder. Don't remember what the basis of the suit was but I think it had something to do with overshadowing or continuing to contact after C&D. I guess they did not understand the law that well.