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The first time I signed up I was unsure what to do. I have re signed up and I need to be on a debt cond program. Thing are getting worse. Please HELP. The 100.00 dollars per account and 50.00 a month is not that bad. I am broke at the moment because I am in over my head. PLEASE HELP

Hello all. I sent credit validation letters to 2 different collection agencies (certified mail) They accepted. I just received a letter from one of the agencies (The amount they say I owe is outrageous $3367) They say " My dispute has been invistigated;however we have yet to find sufficient evidence to validate your claim. Please provide our company with documentation supporting your position" On the second page all they provided me with was a summary of the debt I owe that i believe they typed. What are my next steps?

I have listed the PA SOL, what section would a judgement fall under? Pennsylvania Statute of Limitations Contracts: 4 years, (used to be six). Contracts under seal: 20 years. Sale of goods under UCC: 4 years. Negotiable instruments: 6 years (13 PA C.S.A. .§3118).

Yesterday I received a letter from the Indiana DFI, Department of Financial Institutions. As I read the letter it states: "A change to the statutes which took effect July 1, 2007, IC 24-4.5-1-201( 8 ) reads "If a creditor has violated the provisions of this article that apply to the authority to make consumer loans (IC 24-4.5-3-502), the loan is void and the debtor is not obligated to pay either the principal or loan finance charge, as set forth in IC 24-4.5-5-202. So everyone who lives in Indiana can also use this in their cease and desist letters.

Here are the payments I have made.MTE-Loan Amount 350, 90,90,140,125,110. The balance is 195 with a payment of 95 to be made if April. One Click cash-Loan amount 350, Payments105,105,105,105,155. Apayment of 140 is due in April they say the balance is 390. What should I do? Thanks Nel

I went into the bank to close my account but they said that the ach's from the pdl's would force it open again so they put it to credits only. The problem is I checked it this morning and bam there is $600 worth of charges and that does not include the $39 fee they will charge for each one. What do I do??? I have been trying to log onto my account here but it will not let me is anyone else having problems.

This is a special community announcement: Many members share their experiences at all the four community websites (debtcc, mf, cm, ampminsure) making it almost impossible to handle four user homepages. On the demand from our members, we have started working on the user domains (yourChoosenDomain.ourcommunitypower.org), a centralized platform.

What happens if you receive a 1099c form,file it on your taxes as income,but then a year or two later you pay off said debt?? Are you able to claim it as a deduction some how on your current year tax return? ie: defaulted on a $5000.00 credit card,issuing bank filed a 1099c form and you claimed it as income but then a year later paid the debt in full.

A little over 2 years ago I made the mistake of taking out a private student loan, my first and worst mistake. I was not able to make payments and now it is with a collection agency...Associated Credit Services. I do not trust this company at all. Every time I speak with one of their employees I get a different story and it really concerns me. One rep was willing to accept a partial payment of $300, he asked for my debit cardt #, and even though I was hesitant I gave it to him. This same rep told me to never give anyone my bank acct.

Mornin' y'all - I'm trying to deal with MRS associates on behalf of my wife, who's in no condition to deal with these scum herself. I'm trying to put together a DV/CD letter to send them, but I still have no idea [from them] of what they may be trying to collect on, or how much. No account number, OC, or anything else at all. Two questions here: One, how best to identify the issue in the letter, in the absence of any account number, etc? And two, to sign the letter, or just close it with her name, printed.