I got DV letter today, and I have questions. I requested "proof that the collection company owns the debt", "your license numbers and regitered agent", "idntify the original creditor", and so on. But, the collection agency ONLY sent me "copy of the original signed loan aggreement". in this case, my questions are,,, (1) Is it OKAY I pay to them? and can I trust them to pay? (2) When I make a payment deal with them, which one is better? phone or letter. plz, help me. Thanks in advance.

What has everyone been up too?? I have had a horrid week...55 hours at work...sore throat,headache, runny nose...and my computer went down. Didn't have time to fix it till this afternoon...I think it's running ok now...but I have been up since 4:30 am...and I need to sleep!! Hope every one is fine...please catch me up and after my son's birthday dinner tomorrow...I will be back... Hope everyone is having a good weekend! Sharon

Does anyone know what rights we have on our car loan if we are late and havnt been able to pay in a few months we did not expect to loose half our income only 2yrs after starting the loan is there a way to renegociate payments and the lenght of the loan?

I am really, really crabby. I totally need to vent, these last weeks just suck..Nothing goes my way lately. I need things to get better! Ok...Where do I start? It all began 3 weeks ago, with Andrew's first rocket football game. I am one of the coaches of the team, there are four of us..3 men, and me. To be a coach you must be interviewed and take a test to prove your knowledge of rules and penalties. Obviously I passed. Well, we have not scored a single point in any of our 3 games so far. That's fine, these are 8 and 9 yr olds, this is a learning thing at this point.

I've found a new online love to keep me occupied during lonely times! World of Warcraft is a fun role-playing fantasy game and it's a cool way to meet new people all over the world!

I got my first response back! Aargon agency did what they usually do, they sent me a computer spit out of my account...no indication it is from the original creditor (I think). Anyhow before I blast them on that, my question is about interest. Now, I know that they can try to collect the interest stated in the original contract (I still think this should be fightable as the contract was with so and so, not the CA so they shouldn't be able to charge the interest) anyhow, what about something that never had a contract, like a medical bill?

Is there a company in Illinois who will help me consolidate all my payday online loans into one monthly payment? I owe about $2800. The interest is killing me. It's over $1,000 every 2 weeks. I make enough money to make a payment but not with these loans! I'm really in desperate need for some help. Thank you.

What are some of the lowest loan rates you can get on debt consolidation? I don't own a home, but I make about 45k/year and pay 1000$/month in rent. I have a little over 15k in debt. 8k of it is a student loan at 7.2% the rest is credit card debt between 18-26% apr. I saw bank of america offers 8.99% on loans. Can I get anything better without home equity?

Can someone please point me in the right direction to start tackling the Mount Everest of debt that I am in? I've been researching non-profits because I figured they would be the most legit....Not sure if Town and Country is non profit but they seem okay and Clear point is non-profit, but now sure what to do......SOMEONE HELP ME!!! PLEASE!@!!

I read a new story about how some schools are allowing children to purchase their lunches by fingerprinting at the check out line. I find this to be an interesting idea. I think this is a valuable too but then I'm thinking of the positive things that can come out of it and none of the negative really. Having fingerprints on file at an early age will help identify a lot of criminals as well as get you through the lunch lines quicker!