Well, I think LVNV has moved in a direction I have not anticipated. We disputed with the CRAs when LVNV got our validation request. Well, we just got info back from the CRA. LVNV has updated the account to show it is now charged off and sold. Can a CA charge off an account that has already been charged off? It was a Walmart card that Walmart has already charged off.

I had problems with payday loans and closed my checking account. I let the other creditors (credit cards) know what was going on in the beginning. I have sent letters to all of them letting them know my checking account has been closed due to fraud. I also requested that they would take the late fees off at. I realize it is not their fault, but I let them know at the time it was happening. The letter entailed, late fees to be taken off and to change my due date, since now I have to send money orders. They only reply that they need to report to credit bureau.

After months of paying on this pdl it is officially PAID IN FULL:) Only one (1) more to go and it should be paid in full November 2 Yeah!!!!!!!!:) Thanks for everyone's help here I couldn't have done it with out all of your knowledge and support:) Again thank you from the bottom of my heart. ladybug

HI, I am currently in a really tough financial situation, and due to an error with my online bank account one of my credit card payments was late. Now the company is charging me a ridiculous rate that I can not afford. If you can help me consolidate all my credit card debt into one monthly payment I am all ears!!!! Thanks, Jeff

Between my wife and I, we have 10 accounts in default ranging from 30 days to 150 days, balances ranging from $2000 - $11000 for a total of over $100000 in unsecured debt. We have been getting calls for over 120 days, the most persistent being from AMEX, who I owe $3400 to. I had about 4 month payment history with them in full, but just couldn't make a $3300 in the last month to them. They have referred me to a CA, who have been rude, threatening, and incooperative. They claim that they will persue me on the basis of fraud.

Please, when you see duplicate threads, don't respond to them. A MOD will come around and delete the duplicates, but once they are responded to it can't really be deleted.