My ex-hubby recently received a letter to my address from northland group Inc. stating that they are willing to settle with him in less than full amount. Yet, creditor is listed as lvnv funding llc. Obviously, I cannot access his credit report.

HELP!!! I had an account with Orchard Bank with a limit of $728.00. (I live in Illinos). After a financial bind I could not keep up with my payments. Orchard sold the account to Household Bank sometime in 2001. Between 2001-2002 the amount kept going up despite my making very small payments and taking part in their "re-aging" plan. I would pay approx. $40-$50 amount...they kept adding two fees every month ($29 over-the-limit fee and $29 in past due fee). Finally, I stopped paying them as it seemed like throwing good money after bad.

I just found out EZ Payday Cash turned my account over to collections. The weird part is I owed them the principal of the loan of $400. I have all my loans with T & C and T & C has made 3 payments of $20 each. When I got the call from ADCC(collections) they said my balance is $120. I had T & C call them to confirm this and they said yes. There was never any communication or response from EZ Payday Cash. Do you think they just wrote off the rest of the loan? T & C has made arrangements now with ADCC.

Hi. I am newbie here =) It is nice resource. But i'd like to know where i can read more? Any help?

i have seen this forum "sol" so many times. Whats sol? can someone explain it to me? i bet some regulation, etc. thank you.

I have never heard of this collection agency, but I've got a letter via some legal service that they filed the case against me. Can they do file the case against me without any communication with me previously at all? Can they go straight to the court hearing? Is it just threatening me? I really do not know what it refers to...maybe the old debt as someone mention?

Hello to all.... I have sent a copy of my loan papers from CASHNETUSA to the Sandra Smith at the Florida Regulations department. I am also asking her to explain why CSO's can get way with breaking the lending law. I don't get it. If the law clearly states that there are no rollovers or extentions allowed and that they can only charge their fee's once, then why does a CSO get away with going against these laws? If they can only charge 10% + $5.00 per $100, then why am I paying $38.79 for a $150.00 loan? I'm not great at math, but, I figure it should be $15.00 +$5.00, right?

does debt consolidate leave any mark on my credit report

I'm 50 thousand in credit card debt... what is the most sensible and safe way out. Are these debt consolidations groups that promise you only have to pay back part of what you owe legitimate. Thanks

Hello everyone, I'm new to this forum and I hope someone can help me. I am being sued by Capital One Bank. I looked at my credit report and it is shown as a charge off and that the last payment was 03/2004 (which is NOT true). I was unable to make payments starting April 2003, however, I think I may have made one payment in October 2004 and it might have been to a collection agency. Does this reset my SOL? I am already past the 30 days response time for the summons which I know is bad, but I need to be armed with the correct information so I can protect myself.