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Take a few minutes and go outside to view the eclipse. It is almost complete. Not another one until 2010.

For whom do they collect? I am assuming it is an internet PDL--one of the ones that already got a C&D from me. I got a call from a "paralegal" from "National Attorney".

This company runs ad's which are so untrue, somewhat like what is said when they call debtors. The job is boiler room work, the pay is not what they tell you, though you can get 30% of the person pays you, they do not have benefits as stated and the people who work there are not drug or arrest record checked. They will however hire anyone who can hold a telephone and repeat what they are told to. Steer clear of them. Just trying to save hardworking people from some grief. This job is a farce.

[font=Georgia][/font][size=6][/size]I am writing to complain about Americredit. They stated that all of my initial payments for my car loan, where going straight to the interest, and not to the principal. I am paying 20% interest on my car loan. When I am late making a payment, they stated that it goes to interest. As a result, I have been paying for two years, going on three years now, and see no end to my reduction of the loan. I took the car off the lot for 13,500. Now two years later, Americredit, says I still owe them 13,000.00. Can they do this?

I have 5 months left on my car lease, I cannot afford the payment anymore due to the drastic change in the real estate market. I want to turn in the car back to the finance company early. I am not sure how this works or what are the consequences. I imagine this is a REPO. What is my best option or best advise for me to return the car 5 months early. I will owe the finance company about 3,500 for my payment. Can you guys help with a little advise?

Mycashnow sent me to Delta Group. I told the collection agency that mycashnow.com is not licensed in AZ and I was told they were. But I told them the state financial institution website did not have them listed. The guy then asks if I'm a Con Artist, I said no and he told me if I did not pay the 800 I owe they move this further and start a Fraud investigation against me. This guy just violated the Fair Debt Collection Practices Act with he just did. If I have to I may need to find an attorney to solve this issue.

I sent out 2 validation letters to afni who are reporting me for sprint pcs from 2003 and embark which was sprint home service also form 2003. Well this morning I get an email from true credit with a change on my report so I log in a lo and behold afni updated as verified. The this afternoon I get a letter in the mail from them it states. This is respond to your recent inquiry regarding Afni account #xxxxxx. We have VERIFICATION with the creditor.

I am getting all types of threating emails,phone calls from westbury ventures i took out a 300.00 loan from them and have paid back over 630.00 and now there saying i still owe a balance of 380.00 I live in Michigan!! This is the email they just sent! You have no more time to pay this debt. Your loan contract balance is in a defaulted status and is past due, in which you will need to process a payment the first being due, today to hold the case in my office.

I was going to make the announcement of our moderators and debt Samaritans this week. It seems like there are some issues taking place on the board and that's why it may not be the right time to give new roles. Let this storm and heated discussions calm down and then I will be able to assign the ranks happily.

Does credit card consolidation affect your credit score?