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Hi, Going through my credit report I noticed that my cash now has hired two collection agencies to collect the same debt. The collection agencies are National Credit Adjusters and Seattle Service Bureau. I am going to dispute this through the credit bureau but I am not sure how I explain that this item is not a valid debt since it is illegal in Texas. No one can collect this debt. Any suggestions? Thanks!!

Here is why it is a good idea to hire an attorney if you are being harassed. This is an actual letter. To Whom It May Concern: Please note that the undersigned has been retained by xxxxxx in regards to actions taken by the Law Office of xxxx, LLC., in the attempt to collect a debt on behalf of an unknown creditor. Upon receipt of this letter your entity must cease and desist all forms of communication with said debtor.

Most compulsive debtors will answer "yes" to at least eight of the following 15 questions. 1. Are your debts making your home life unhappy? 2. Does the pressure of your debts distract you from your daily work? 3. Are your debts affecting your reputation? 4. Do your debts cause you to think less of yourself? 5. Have you ever given false information in order to obtain credit? 6. Have you ever made unrealistic promises to your creditors? 7. Does the pressure of your debts make you careless of the welfare of your family? 8.

Over the past year I have been pulling my credit reports. On them, is one from Arrow Financial. On each of them the Date Opened is completely different. I just recently pulled on 3/2008 and low and behold the date opened on it was 3/2008. This is for a very old credit card I had back in the late 90's. This should be way out of SOL and not even on the CR's. Any one have some advice and should I pursue legal remedies for violating fdcpa and FCRA? Thank you

Are they legal?

Can someone explain to me the process of how a collection agency acquires a debt from say for example Wells Fargo? Do they purchase the debt off of them, do they work on behalf of them, does interest stop once it goes to a collection agency? Any answers would be appreciated.

I have a loan in forbearance and have been contacted this week by Pioneer to rehab another loan that has defaulted. Can I consolidate these loans to get the one out of default? Thanks!

I perform collections for local agencies such as personal loan stores. One low life had taken a pay day loan and defaulted on it. So I dressed up in an old security guard uniform that I have, and then called him on my cell phone and told him if he didn't pay the $1100 he owed in thirty minutes, he would be taken to jail for fraud by a special fraud agent. The scumbag basically said "eff you" to me. So I showed up in my uniform, and told him he was under arrest for fraud. You should have seen the look on this deadbeat's face! He whined about not having the money.

I have four PDLs with 500 Cash Now, Impact Cash and United Cash Now and one other one. Could I tell my bank to stop them from automatic deductions? Are these PDLs understanding that I can send them a check with Full mail via snail mail? Help!!!!