I have recently sent debt validation letters to 2 companies. The one I know has the right to collect the debt the other one is collecting for a junk buyer. If they come back with validation what should It include and what should I look for? Do they need my signature on something? Thanks

I divorced in 2005 in which I paid off all debts with my proceeds from the sale of our home per the divorce decree. However, there are still 2 credit cards my ex has increased the amounts enormously. I tried to get a car loan and ended up having to pay 12% interest. I plan on writing the credit bureau with the decree and was was paid. Do I need to contact the old credit cards to tell them I am not on the account? If so, how do I obtain those addresses and account #'s? My ex has assured me that he has handled it.

I just had to share this. I get a phone call yesterday morning at work. The man could hardly speak english. He asked for me (pronouncing my name wrong) He told me that his name was "Mr. Robinson" phone number 1-888-909-6789. He told me that I had a very serious situation here. I had 15 counts of check fraud against me. He asked for my attorney's name and number. I just listened and he said well you do know whats going to happend dont you? I said tell me. Are the cops going to show up at my work and take me away? He said well yes, but I'm here to help you.

I am currently drowning in Payday loans and would like to find some place I could consolidate them so I can support my family of 7 without wandering every payday if my account was going to be positive. Is there anyone out there that can give me some advise? God Bless Rick

Hello friends, i am new on the board. Actually i dont have any problem but one of my fried do. He want to go abroad for work and study. So he want to take loan without paying heavy interest on the loan. Any help for him. 8)

I am working with a debt settlement agency. I have 2 debts that are still not settled. Both of the debts have been charged off and the debt info has passed from one junk debt buyer to another for the past 2 years. I recently found this forum and the last 3 junk debt buyers the accounts have gone through have received validation letters from me. So far, no one has been able to validate the debt. If and when I receive full validation info, I will forward it to my settlement company. My settlement contracts end in 3 months, which corresponds with the SOL expiration in my state.

Where are you? You are missed here. I hope that you return. You have my email or please PM me!!

I posted this information last year and it is in a forum that isn't listed in the selection anymore. Maybe it will be late this year. ............................... January to April is a debt collectors Christmas because it is income tax season. It's also a clients expectations of an excellent liquidation rate period. Should you choose to settle some of your old debts for less than the full balance here are a few tips. NEVER let a debt collector know you have money, don't let that words I get a tax refund pass your lips.

I took vacation the day before and the day after Christmas because well I feel that it is the worst time of the year to call people. Even if they don't answer their phone. Vacation has it's perks but I am ready to get back to work. I am well rested and ready to go. My kids and husband have driven me nuts now and I am ready for some peace lol. What do you do with your vacation time? I usually sleep late and read.

Hello to all, I was wondering what everyones points of debt cc as a debt settlement company? I talked to them on the phone and they seem nice and have a more reasonable payment plan than another debt place I was thinking about. Looked them up at bbb.org but couldn't find anything. Any advice or people that have used them let me know. Thanks to all. Xray