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Letter from Stephen Bruce & Associates

18 years 8 months ago
I received a letter from Stephen Bruce & Assoc. Enclosed was a Hearing on Assets form they want me to fill out and mail back to them. Should I fill it out or ignore it. I'm currently working with an attorney on chapter 7 bk. They are trying to collect for Discover.

 

Cant seem to save enough to pay

18 years 8 months ago
I have about 3000in debt and cant seem to save enough to pay it...Things are constantly coming up like car taxes rent(dont own a home yet) braces for my child etc...I know if I can get a small loan (to consolidate things) I could pay it off slowly please need help!

 

Cash Direct Express outcome

18 years 8 months ago
Well, they sent me PIF contract to sign and wanted me to withdraw any complaints or at least update the bureaus with which I've filed complaints that we've reached an amicable decision. Here is what they sent me today! Quote:
RE: Correspondence received on June 6, 2007 concerning your account held with Cash Direct Express Dear xxxxx, I am writing in reference to your correspondence received on June 6, 2007. Please be advised that Cash Direct Express is as follows: 1.

 

Paid in Full Notation

18 years 8 months ago
If I accept a negotiated settlement for agreement of a paid in full notation. How will that look on credit report? I know I may be pipe dreaming but trying to build my score. My score has been climbing. But I know a debt has been sold to a CA. The have sent me the initial letter and I sent back a settlement offer. I believe I am going to have to send a validation letter request as they do not seem willing to accept my offer. They did offer a PIF designation....I am not sure that is desirable because i do not have any CAs on my report.

 

Verbal Agreements

18 years 8 months ago
Any one else out there have the experience of having a verbal contract with an internet pdl? No signed loan documents? No signed anything? Just a verbal agreement? I have with Cash Today and Cash Relief (aka AIP). Both of these companies can not supply me with any documentation because there is none. What's up with this? I've been tring to get them to refund me (ha!) and have gotten so far as to file complaints. But I'm wondering if anyone else has done a "verbal agreement" and if they have a leg to stand on? Or even if I do, since there's nothing in writing.

 

Account turned over for collection

18 years 8 months ago
I found out that an account had bee sold to Arrow Financial and contacted them by phone before recieving a letter. I was asked to wait until recieving a letter which I did and sent a pay for delete/settlement letter. I sent CAjun's sample letter within the 30 day notice that they asked. They have infomred me that it is not in their power to not list an item or to remive an item once psoted. They are currently not shown on my report and I amy still be able to before they post. I guess I am going to have to dispute letter them and see if they show up.

 

RBS Credit Card

18 years 8 months ago
Anybody familiar with these guys and had any luck with settlements with them. The card is Royal Bank of Scottland and is a mastercard I believe.

 

Some advice please

18 years 8 months ago
On the 27th of April I fell in a parking lot of a restaurant. It was bad - I ended up spraining both ankles and my right knee. The payvment was uneaven and I just caught the wrong spot. I informed the manager (he is Mexican - I don't know if he didn't understand me or not) and he laughed about it. I am now getting a ton of medical bills for the ER, the x-rays, ets that my insurance does not cover all of. I am also still seeing my doctor (I lost three weeks of work for this).

 

Information on your program

18 years 8 months ago
Please call with information regarding your program

 

Credit Repair for a pay for delete

18 years 8 months ago
If I have an item from Direct Energy that has been sent to creditors do i contact the creditor or direct energy for a pay for delete?