I've noticed that some collection agencies have sub corporations or LLCs setup that are not under the parent company name. Just recently I discovered (due to the help of CajunBulldog) that Bass and assoc. may have another head to that hydra as well as a a company called RSM that is owned by Sherman Acquisitions (also parent company of LVNV funding, Resurgent, etc.) I ask myself why have so many DBA's and some that are not even listed as DBAs, like they don't have any affiliation/ownership? Part of it is a shell game as others have stated, in order to confuse the consumer.

United Portfolio Solution Geneva IL 630-232-2545 As a student in Cambridge MA, when I left my apartment and paid off utilities, one additonal month of a gas bill remained in my name after I left as a result of the landlord. The bill was less then $80. Years later, and after never recieving a single notice of this debt/bill, a collection agency called me, and informed me of this debt, and I PAID IT off immediatly right on the phone. After this, this same agency sent a negative collection notification to all three credit reporting agencies!!!!

http://www.ftc.gov/opa/2004/05/ncogroup.shtm I discovered 36 FCRA violations on my credit report, lets see, 36 violation at $2,500 per violation is $90,000 I think I'll take them up on that offer and thank them for their business afterwards. And if they can provide me with the validation on the debt that they say I owe (which they have outright refused validation so far) I will pay it if I owe it. (Only thing is I honestly can't recall the amounts or creditors they are stating)

I spoke to a lawyer earlier this week to discuss filing. We have about $25k in credit card debt and $15k in medical debt. I have 3 questions. 1. He informed us to wait to file until after we get our tax return in 2008. Has anyone heard of this and why? 2. My son has a health condition that is going to require ongoing care and he is not covered by my current health insurance because of a pre-existing condition. If we file on his current medical bills, can his health care providers refuse to treat him anymore? 3.

I have a question regarding a letter I just received from Associated Recovery Systems and I hope someone can help me out with my questions about it. The letter received from ARS advises me they are collecting on a Dell account with a balance of $2557.43, it is dated 10/26/2007 and this is the first letter I have received from them. The first paragraph advises they are able to offer a "settlement" IAO 1,790.20 if I pay it by 11/30/2007. The second paragraph advises of all the "convenient" ways I can get my money to them.

Recently my wife answered the phone and it was a company called Asset Acceptance, they asked if I lived there and my wife replied yes. They told her they were looking for me for an old debt that I had from 1988. They told her that I had purchased a camera for $1500.00 and that I needed to pay this amount. My wife asked if they could send more information so could see if I actually owed this or not.

took out a pdl from Cash Net USA. Loan was due on 10/10/2007 which I could not cover and got overdrafted with a fee of 20.00. They debited my account again in 2 payments on 10/25/2007 so therefore I had overdraft fees of 40.00. Called to set up payment arrangements and they said they could do 2 payments of 596.74 which I can not do at this time due to my son's medical condition.

Hello Fellow Sufferers! I have one credit card that I use ONLY for my small internet business. I pay the balance off every month. Recently it was refused at the Post Office and a few days later refused on Amazon. With the Post Office a call to the card company revealed no problems. With Amazon I re entered the info and the card was accepted. Now, the thing is that my wife and I have hideous debts on several other cards with a total of 50k. How we got there is a long story I'll share another time. Meanwhile, what about this one, good card I've been so careful with?

took out a pdl from Cash Net USA. Loan was due on 10/10/2007 which I could not cover and got overdrafted with a fee of 20.00. They debited my account again in 2 payments on 10/25/2007 so therefore I had overdraft fees of 40.00. Called to set up payment arrangements and they said they could do 2 payments of 596.74 which I can not do at this time due to my son's medical condition.

I'm about to default on a Check N Go installment loan next week and i'm worried about a credit card I have. My loan is actually issued by the First Bank of Delaware of course. And I also have a credit card issued by the same bank. The credit card is in good standing and has really helped my credit. I'm wondering if delaware will cancel or worse yet, charge my card if/when I default on this loan.