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I have a debt on my credit report from asset acceptance from 2001. It was unfortunately a charge off of a First USA visa. My limit was 5k, and the balance was around 4800. Over the past year, Asset Acceptance has bought this debt, changed the date on my report, and now the amount of the debt is almost 11k!! I live in Texas. This only shows up on my Experian report, I disputed it and the other two bureaus removed it. However, Experian continues to show it. I do not know what to do at this point. My next question concerns a judgment.

i am looking for NLS any information on them I took out a loan last November and they are taking 82.50 every two weeks i want to pay them off but have no information any help on where or how to find them?

Yesterday I paid off one payday loan and half of another, it feels so good to be out from under them!!I still have one with ACE who wants me to pay it and rewrite the next day, they don't see to want to work with me.kathy

I have an attorney trying to file a Writ of Garnishment on an 8 year old judgment. But it may just be bogus paperwork and they're just blowing smoke. According to my research (correct me if I'm wrong) in Florida they have 7 years from the date the judgment was certified to extend/renew it. The original judgment was recorded 7/20/07 and was certified on 9/12/07. They re-recorded it on 10/30/07. Looks like they missed the boat. Right? Yet by re-recording it it could show up on my credit! Are they now guily of "misrepresenting the legal status of the debt"? Who should I report this to?

Hi all, Has anyone actually received a letter in the mail from Westbury Ventures? I did. After a dozen or so emails from "William Smith" claiming that I am responsible for paying them, they finally contacted me via USPS. My response to the emails they sent were the standard debt validation letter, to which they never responded. My questions to the group are this: 1. Do we know if Westbury Ventures is operating legally in Delaware (i.e. are they licensed)? 2.

Since both affects your credit, it seems as though Chapter 13 will void law suits, teach you how to budget for the next 3 to 5 years, and save you money. I think debt settlements are a scam and a big risk because we don't know if the creditors will settle for less. Do anyone agree?

The agents at BCR Collection Agency call my home phone at least daily, sometimes more often. They are looking for a person, last name, Nyugen. That is not me. The home number I have, I have had for 17 years. I tell them when I answer the phone the person they are looking for does not live here, nor have they ever lived here. I tell them I do not know him. I ask them each and every time to stop calling my phone number. They will not stop. One agent hung up on me. I have called them back insisting to speak with a manager.

I am recently separated & my ex ruined by credit. I have at least $20k in debt but I make about $63K but with the cost of living, rent, car payment, insurance, dr co-pays for my minor son. & let's not forget utilities & food I have just enough to get by. My question is after a severe bout of depression I just let all the credit cards go & have no idea who I owe or how much. I recently moved & left no forwarding address. I'm doing much better & seeing a DR & I really want to get on with my life & never have a credit card in my life. My question is how can I find out who I owe to ?

I was wondering if anyone could give me some references (hoping for good ones) before I sign up with Langhorne Law debt solutions. Any help would be great. I want to believe them and yet after being scammed.....I need to be sure. Thank you!

I recently found an entry on my Credit report from Palisades Collection. After reading the other threads about them I printed up a demand for validation and am sending it out. The acct was an old AT&T wireless acct. It was created in 2/03 and ended about 6 or 8/03. (Tried calling att to get the last payment date and/or verify whether it had been paid off or not.. they had zero information on the acct as it had been sold off) Palisades placed the entry on my CR with a date of 8/06, obviously a fraudulent attempt to extend the SOL. My question is this.