My wife has been receiving calls on her cell phone from a weird number 1-500-000-0000. They leave a message from Mr. Zimmer from a firm in NY. He leaves a number to call him back 1-800-545-2386 ext 3313. I checked the number on whocalled.us and it appears that he is a CA for American Express.

I recently closed my bank account and filed a complaint against AIP with the BBB. If you recall they did not provide me any written agreement, document, contract .....regarding my PDL. They said that a verbal committment was binding....I sent them a letter revoking any and all debit authorizations regarding my bank account and advised them it was closed. I also advised them that it is not legal to enter into a PDL without a written document. Well - today I received a call from a Chris at AIP. My caller id said ECS Inc....anyone heard of them?

I ran into trouble for a couple of years due to personal issues and couldn't pay any of my bills. I wrote to all the creditors (credit cards) to explain and I told them I would pay as soon as I could. Of course they couldnt care less but at least I did promise to pay later. Now, I'm in a position to start paying off the debts and I dont want to "settle". I've read a lot about how it won't be an advantage to pay it all if it's already been charged off, etc. However, I feel it's my moral obligation to pay what I owe even if collection agencies are making a huge profit on it.

What if all my debt is secured debt...I still need help cause im falling behind and my credit score is falling lower every month im behind...There has to be help out there somewhere for people who are in over their head with Secured Debt?? A bank that give loans regardless of credit rating(based on money made)...or some program that will pay everything off for me so that I can pay them just 1 payment a month insted of all the numerous payments I am strugling with now!! Please tell me there is something other than bankruptcy!! HELP ME!!!

I have 3 payday loans. It all started because I needed help with my house payment, my child support stopped...Now I am going crazy paying all these fees and am really getting behind on my bills. I would love to get rid of these loans..but how?

If you are hiding out from collections then registering to vote isn't something you are going to want to do. It reports when you registerd, addrss, phone and which party you even vote for. Some states will also list your DL# on it also.

Does anyone know anything about disputing all the credit card debt you have leaving you with nothing at all to pay? I think the company was Financial Solutions They base this on banking and credit card laws. spillpill

Can you actually negotiate a settlement on your credit cards? We are actually current on all 4 cards but can feel the strain and are afraid it will only get worse. Has anyone done this before? How did you do it? Creditors U.S. Bank, Chase and Discover. Thanks spillpill

Can you actually negotiate a settlement on your credit cards? We are actually current on all 4 cards but can feel the strain and are afraid it will only get worse. Has anyone done this before? How did you do it? Creditors U.S. Bank, Chase and Discover. Thanks spillpill

How can a collection agency still keep adding interest to your account after several years? How can they also keep selling from one company to another and the amount keeps going up? I am disputing a few companies do to the fact I disagree with the amount oweing them. I only get $203.00 a month and I am waiting for my SSD to go to court, I cant even pay or made arrangements with my debt with only that much money a month. Any ideas as to what to do. I got hurt years ago to a back injury so I am unable to work and i used my credit cards to leave on.